If so, chances are you do not know how to answer your summons and list your affirmative defenses.
Relax! The help you need is right in front of you!
The Defendant Package can help you easily win your case.
When you answer the Plaintiff's Complaint you must either admit or deny each paragraph.
We have listed responses used in Credit Card Lawsuits to help you choose which ones are best for each of the Plaintiff's Counts Against You.
If you are being sued by a Junk Debt Buyer these are the Answers you Need!
** We have also added an Attorney Approved Answer to a Summons and my Pro se Answer to LVNV Funding LLC's Summons on top of this so that you can actually view a Real Junk Debt Buyers Complaint and a Real Answer to this Junk Debt Buyer's Complaint used in a Court of Law and won in a Court of Law.
All of these responses to the Plaintiff's complaint have to do with Credit Card Lawsuits so you will find something for each one.
After Answering the Plaintiff's Complaint/Summons you must now list your Affirmative Defenses.
Of course we have Included in the Defendant's Package all the Affirmative Defenses that have been used in Credit Card Lawsuits that have been WON including my own.
We have also took the liberty of defining all the Affirmative Defenses so that you will know exactly which ones you need per your own Credit Card Lawsuit.
Get all the Affirmative Defenses that are used to Win Credit Card Lawsuits right here. You need these.
Some of these Affirmative Defenses will make the Opposing attorney think you actually are an attorney!!! That's because most of them came from an actual attorney sample documents! These are awesome defenses and I'm sure you'll be impressed as well!
Affirmative Defenses are necessary when you file your answer with the court. If you do not list any Affirmative Defenses you waive them and can lose. These Affirmative Defenses are a MUST HAVE in any Credit Card Lawsuit! These defenses protect you. Pick the defenses that pertain to your own Credit Card Lawsuit.
This lets the court know that you are appearing and actively participating in this lawsuit. It also gives you the right to receive each and every document, motion, and order that the court and the plaintiff file so that you are not left in the dark and know exactly what is going on with your case.
Are you aware that the Plaintiff probably already screwed up just by filing wrong? Every Court in the United States have Rules and the Plaintiff must comply with those rules. The Plaintiff most likely already messed up your lawsuit and you don't even know it!
Depending on what State you live in you could ALREADY have grounds for a dismissal. Get step by step help with filing a motion to dismiss and find out how you will know if you can file one before your Answer.
Get a Motion to Dismiss that was Prepared by an attorney (attorney approved) that cost a Defendant $700.00 to have filed. Once filed, the Plaintiff dismissed the case then and there.
Everyone must use a Certificate of Service. This is basically a statement at the bottom of all your pleadings and motions that states that copies of what you are filing with the court have been mailed to the Plaintiff. Most do not know but this needs to be included. The Plaintiff must receive every single piece of paper you have filed with the court. The Plaintiff must also do the same for you.
If you received an Affidavit of Debt attached to your complaint this affidavit, if uncontested, will be enough for them to get a Default Judgment Against you. If you have not received an Affidavit of Debt with your Complaint EXPECT ONE TO SHOW UP!
This Sample Motion to Strike is the ultimate weapon to destroy any Junk Debt Buyer's Case!
Receive a Sample Motion to Strike Affidavit of Debt with 8 Legal Reasons why the Junk Debt Buyer's Affidavit should be stricken from the Record. (Without this affidavit allowed by the court basically screws their entire case. Most do not have the original contract or credit card statements and use Affidavits of Debt to get by your Trial Rule). (Will not work if credit card statements from the original creditor have been submitted)
A Sworn Denial is a POWERFUL TOOL to get the Affidavit eliminated! Once the Affidavit is eliminated, the lawyer will be forced to bring in a Live Witness to testify, which costs money and they don't want to spend any money. Most just drop the case then and there.
Responses used for my own Interrogatories. Watch out for TRICK QUESTIONS - you need these! They will ask almost the same question in a few Interrogatories hoping you screw it up! I have listed my Responses which you can use to answer the Plaintiff's Interrogatories. Again, all of these responses are based on a Credit Card Lawsuit so they can help tremendously. Pick and choose which ones best fit your Rogs.
*Responses to Junk Debt Buyer/Collection Agencies Interrogatories include: bank account information, social security number, identify any payments made to original creditor, identify any payments made to Plaintiff, last check number written out to plaintiff or original creditor, payments made to account number xxxxxx, asking you if the amount sue upon is correct, settlements made to account, witnesses to be called to trial, factual basis of each defense, exhibits used at trial.
(Response to Admit Facts) Responses used for my own Admissions. Keep in mind that most courts do not allow you to just put "lack of information" it needs to be worded correctly! So many people screw this up and just put "lack of information" and the Plaintiff gets these deemed admitted to the court because you worded it wrong!!!! I have included a response to use when the Plaintiff sends you Requests to Admit Facts. Yes, one response with 26 words will allow you to answer Admissions such as:
* Responses to Junk Debt Buyers/Collection Agencies Admissions include: please admit you applied to the original creditor for so and so credit card, admit you made charges on the credit card, admit you agreed to the terms and conditions when you used the card, admit you are indebted to the Plaintiff for $xxxxx.xx, admit you made payments, admit you owe the balance, admit this is the correct balance.
Responses used for my own Answer for Production of Documents. All Requests have to do with a Credit Card Lawsuit. Pick the ones you need. Answers for Requests for Documents include:
* Answer to Requests for Documents include: providing copies of all payments, copies of settlement letters, exhibits or evidence you plan on using, credit card statements...You will receive all of my Discovery, in tact. Meaning you will see an exact copy of the Discovery I sent to LVNV Funding.
From Instructions and Definitions, all the way to Admissions, Request for Documents and Interrogatories complete with Certificate of Service! This is perfect for people who have no idea about Discovery!
I will give you all the Documents that I requested to LVNV Funding per my lawsuit that I won. There are 21 of them. I say the more documents requested the more work they have to do, and the more you tick them off! LVNV could not produce any of them!! Using these specific requests can have the Junk Debt Buyer/Collection Agency dismiss the case then and there!
I will provide you with the Admissions I requested LVNV Funding to Admit per my lawsuit that I won. There are 21 in all for you to use.
I will provide you with all the Interrogatories I requested to LVNV Funding per my lawsuit that I won. There are 23 listed for you to use.
On top of all the documents listed above included is LVNV's complaint against myself and my Answer. This is perfect for people who would like to see a real lawsuit answered, to get an even better idea of how it is done.
The Defendant's Package will have you Answering Your Summons complete with Affirmative Defenses, Certificate of Service, Notice to Appear and will ARM you with Discovery to send off to the Plaintiff and help you Answer The Junk Debt Buyer's Discovery that they may send you! Motion to Dismiss, Motion to Strike Affidavit & more!
Testimonals
Who would have thought that by spending so little by purchasing your Defendant’s Package would end up saving me $12,000 in the lawsuit that was filed against me for an old Citibank credit card I defaulted on? Best money I have ever spent! Lawsuit was dropped after I answered!!!! Thank you… Kris
“I almost didn’t answer my summons because I couldn’t afford a lawyer and I didn’t know what I was doing. I am so glad that I bought this package, I just copied most of your stuff and LVNV dismissed the case. My credit is saved!!!!” – Ross B. Indiana ($14,300.00 Lawsuit)
“Thank you so very much for your information and help. I just purchased your package. I have never been involved with the courts and had no idea where to start. It seems some people still like to take advantage of others in a distressed state. I am so thankful I found your site. I asked for guided assistance and have now found what I need. This has lifted my spirit for you have empowered me with your guided help. I thank you deeply from the heart.” – Aj from Indiana (Power to the People!)
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