- File Size: 9018 KB
- Print Length: 214 pages
- Publisher: Sheila Munoz; 1 edition (April 17, 2012)
- Publication Date: April 17, 2012
- Sold by: Amazon Digital Services LLC
- Language: English
- ASIN: B006YXEMKQ
- Text-to-Speech: Enabled
- Word Wise: Enabled
- Lending: Enabled
- Amazon Best Sellers Rank: #1,041,836 Paid in Kindle Store (See Top 100 Paid in Kindle Store)
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Defending a Lawsuit by a Junk Debt Buyer (Collection Agency): How a Florida Mom Beat Asset Acceptance, LLC!! Kindle Edition
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|Length: 214 pages||Word Wise: Enabled||Enhanced Typesetting: Enabled|
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Top customer reviews
Not nearly all inclusive, but if you wanted that, I suppose you'd go to law school.
I found it very helpful as a framework from which I could search for more information- much of it online.
It also made it easier to have intelligent conversations with lawyers about my predicament. When I was initially served, I quickly discovered there were not a lot of lawyers who were willing to deal with debtors, especially on debts of a relatively small amount.
This book, paired with a good online search engine, gave me the basics on moving thru the wonderful world of defending myself in civil court (on several occasions).
A few things I learned:
1. Junk debt buying/selling is a huge industry, and there are numerous opinions/commentaries out there on the fundamental fraudulent nature of this business. But, there seems to be no real action against it, because all the 'money' is on the creditor side.
2. JDB (junk debt buyer) claims at this level seem to be completely dependent on the judge. Hope you get a 'debtor-friendly' judge, otherwise all the arguments Ms. Munoz covers in the book are right out the window.
3. Being sued by an 'assignee' (i.e. JBD), is completely different than getting sued by the primary creditor (i.e. issuing bank). If it's the primary suing you, 'beating it' is not at all likely.
4. This legal arena is madness. Nothing makes sense. It's not "People's Court" or even small claims court between two people pro se, where a simple question has a simple answer.
It's like the movie "The Paper Chase" (the original), where the Harvard students are talking about Kingsfield's 'contract law' class, and how impossible it is. That's the sort of thing I found with this legal arena. Nothing is simple, nothing makes sense. A simple questions like; how can you sue someone for 'breach of contract', and not attach or have possession of 'the contract'? Pretty simple question, right? Wrong- and the book (thru no fault of its own, again it would take a law textbook to cover everything) is pretty short on giving the reader a 'heads up' on little legal foibles like that.
It's too bad our congressmen don't stand up for the people against JDB's and pass some common-sense protections but, like I said, it appears to be a cottage industry for a lot of players, and money talks.
When one is sued, or is under the threat of a lawsuit the most normal reaction is panic.
If one has the funds they may hire a consumer attorney to handle things for themselves, but more often or not
they head for the computer to research and put in hours
of study to see how they should handle things for themselves.
What the author has provided here is the basic understanding of what the terms are and their definitions that one needs to know to handle things for themselves, and examples of what was
done by herself that can be a guide line of what was expected for her case, that will be a great tool/template of sorts for the novice pro se to study.
I give this book a 5 star rating.
put her life on hold in order to learn all about the court process but she did and she won. She supplied actual documents
and detailed descriptions of all the legal terminology and how she responded, also in detail. Very well written, easy to understand
and is a whole course in legal defense in simple language, very helpful if someone wants to defend themselves pro se.
If you think you may be sued by any one of many JDB companies in the future get this book. Read it and start get ready.
This book will give a great boost to your confidence that you can actually fight these companies and win.
if you need to deal with these debt collectors you will need to get other credit repair books on the in's and out's
of the subject of credit repair. at the same time you can still draw on this book while dealing with the J.D.B's.
it will add to the knowledge that you will need if your going the do it yourself credit repair route.