From the Author
If a lawsuit is filed, you can defeat the case by raising proper defenses that apply to the collection case. Statistically, 35% of all debt lawsuits are completely meritless, yet result in default judgments against the consumer 93.4% of the time, as the result of the consumer's neglect to file a proper answer and raise basic defenses. Collectors and debt buyers prey on lower to middle class Americans, knowing that they cannot afford to hire a lawyer, and that they will not likely file any answer to oppose the lawsuit.
Finally, there is a step-by-step guide which provides the tools to level the playing field. If preemptive action is taken (i.e. sending properly-worded retaliatory letters that you have documented violations of federal and state laws such as the federal Fair Debt Collection Practices Act (FDCPA), Truth in Lending Act (TILA), Fair Credit Reporting Act (FCRA) and other state and federal laws, most debt collectors will close their files and their attorneys will recommend that the creditor not pursue the matter further.
This book enables you to understand and assert your legal rights and protections in times of battle, as opposed to surrendering in defeat. Creditors and collectors who routinely commit violations of law in their efforts to collect actually owe you money for their violations, as a matter of State and Federal law. When your family is under attack, it is time to fight. And when you fight, you must fight to win.
This book is one of a series of books published by Legal Playbooks™, a division of The Wesbrooks Institute, directed at obtaining financial freedom, asset protection, and the good life guaranteed as part of the American Dream. Such dream still exists in America, but you must understand how to take control when confronted with aggressive creditors and collectors, whose sole mission is to financially gain by holding you to one-sided, oppressive (and often illegal) contracts.
Laws designed to protect consumers are only effective if you use them. Grasping the basic knowledge of these protections will assure that your dream will last for generations.
From the Inside Flap
(HOW TO DEFEAT CREDITORS AND WINTHE COLLECTION WAR)
MARK WESBROOKS, J.D.
Board Certified, Creditors' RightsLaw, American Board of Certification
A Legal Playbooks™ Publication
THEWESBROOKS INSTITUTE, L.L.C.