Debt Defense
Sued by a Debt Collector? Why the Banks Are Hoping You Don't Show Up (And How We Turn the Tables)
Getting handed a lawsuit by a process server will make anyone's stomach drop.
If you just found out you are being sued by a massive company you’ve never even heard of like: LVNV Funding, Portfolio Recovery Associates, or Encore Group. Then you are probably feeling a mix of fear, frustration, and maybe a little embarrassment. You might be wondering how they found you, or worse, how you are going to afford to fight back on a fixed income.
Take a deep breath. You are not alone, falling on hard times does not make you a bad person, and most importantly: they do not hold all the cards.
Here is the truth about how the debt collection industry actually works, why their lawyers are wildly unprepared, and why fighting back is the smartest move you can make.
The Dirty Little Secret of the Courtroom
When a big bank writes off a credit card debt or a personal loan, they usually sell it for pennies on the dollar to a "debt buyer." These companies buy thousands of accounts at a time in massive digital spreadsheets.
Then, they hire collection law firms to file thousands of lawsuits against everyday folks.
But here is their dirty little secret: the lawyer suing you is likely juggling hundreds of cases across multiple courts on the exact same day. They barely know your name, and they almost certainly do not have a deep understanding of the facts of your specific case.
They are banking on one thing: that you will be too intimidated to show up. When you don't file a formal answer with the court, they win an automatic "default judgment." That is when they come after your hard-earned wages and bank accounts.
A Modern-Day, Legal Robin Hood
We pride ourselves on giving the banks a taste of their own medicine. We operate a bit like a modern-day Robin Hood, but completely legal. We are able to do this because we are better prepared, harder working, and frankly, because we actually care about our fellow man.
When you hire us, your matter is likely the only one we have before the judge that day. We use their lack of preparation to our distinct advantage.
We force them to prove they actually own the debt. We force them to prove the math is correct. And if they violated your rights under the Fair Debt Collection Practices Act (FDCPA), we don't just defend you—we go on the offensive.
The Proof is in the Results
We don't just talk a big game; we let our record speak for itself. We believe in taking from the rich to give to the poor by holding massive corporations strictly accountable to the law.
Protecting Our Veterans: We recently stepped in to protect a disabled veteran when a bank and their minions tried to wrongfully and unlawfully collect over $50,000. We didn't just stop the calls; we fought back and saved him from that massive, unjust burden.
Stopping the Bleeding: In a recent dispute against Bank of America over a $30,000 debt, the client came to us at the last possible second—right as a motion for summary judgment was scheduled to be granted against them. We immediately stepped into the ring and ultimately saved the client 80% of the claimed balance, including our attorney's fees.
Total Victories: While every case is unique, in 9 out of our 10 most recent plaintiff's matters, we eliminated the debt entirely, forced the deletion of the negative tradeline from the credit report, and recovered our attorney's fees directly from the bad actors.
What You Need to Do Right Now
If you have been served with a summons and complaint, the clock is ticking. You usually only have a few weeks to file a formal, written answer with the court.
Do not toss the paperwork in the trash, and do not call the collection lawyer on your own. They are not on your side.
You don’t have to let a massive corporation bully you into paying a debt they can't even prove you owe. You just need a specialized set of skills on your side. Reach out today for a consultation. Let’s look at the facts, figure out your options, and get your peace of mind back.