Learn How to Fight Debt Lawsuits
Content
3/27/12
Sued b a Debt Collector - Learn How to Fight Debt Lawsuits
Sued by a Creditor * Debt Lawsuit * Debt Collector * Collection Agency * Summons and Complaint
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Figh a Deb La
i
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Upda ed: Oc ob e 26, 2011
Pennsylvania law q about CAs Go To Po Go To Post
PrePaid & Debit Cards Secured Credit Cards Credit Card for Students Identity Theft Protection Credit Monitoring Rebuild Your Credit ChexSystems Debt Validation Dispute w/ Original Creditor Legal References Bookmark the Site Versión Española (Spanish)
With many collection agencies and JDBs turning to the legal system to collect, more and more people are talking to me about lawsuits over debts. This article will cover the best way to handle the situation if you find yourself with a summons. This article covers lawsuits dealing with DEBT ONLY. You might also watch to watch our video on being sued.
Question about Mo SJ hearing
Please Note: I AM NOT A LAWYER. If you are facing court, it's ALWAYS a good idea to hire an attorney or get some legal assistance. Depending on your area and circumstances, in some cases, you can get free help. If you cannot afford it, though, take heart. Lot of people have handled their cases pro per (in other words, without a lawyer.)
Good News, Bad N To Post
MOST RECENT AR
Wha T D If Y
A e Se
ed a La
i
If you have been served with a lawsuit, the time to send a debt validation letter is OVER. People always think that sending a debt validation letter to the law firm/collection agency/junk debt buyer will somehow stop the court case or serve as a proper answer to the summons. IT DOES NOT. At this point, your priority should be writing your answer to the court addressing each point in the complaint. If you don't do this, you automatically lose the case. Your time to answer the complaint is limited, usually 20-30 days from the day you are served. Don't waste this precious time on debt validation.
College Degrees W Student Loan Debt Article
Save For Retireme Off Loans?
Credit Score - Lear Basics of Credit Scoring Read Article
Wha i a S
a dC
ai
?
In the packet of papers you received from the process server, you will find: A paper telling you when your court date is, Some kind of certification that you were served (meaning it goes over how you were notified of the lawsuit: in person, by mail, etc.), Instructions for answering the complaint or a form to fill out, Any evidence the Plaintiff (i.e. collection agency) is submitting. There could be documents such as affidavits from the collection agency. There might also be documents from the original creditor, although this is extremely rare, A list of allegations, which constitutes the complain . The paper may or may not be titled "Complaint". Next we will go over the steps to identify the complaint in the paperwork. There will ALWAYS be a complaint in your paperwork. Please look for it.
Customer Protectio Bureau Proposes Ov Credit Reports and D Collectors Read Arti
How Collections Af Credit Score
NEWSLETTER S
* Email
* First Name
C
ai
* Last Name
If you are still having trouble finding the complaint, this next information may help. Most complaints will look like the following.
www.creditinfocenter.com/legal/ive-been-sued.shtml
1/5
3/27/12
Sued b a Debt Collector - Learn How to Fight Debt Lawsuits
* = Required Field Complaint Number #XXXXXXX Collection Attorney Plaintiff vs. YOU Defendant Allegation 1: <Gives plaintiff's name, address> Allegation 2: <Gives your name and address> Allegation 3: Typically, this next allegation will say something like "Defendant obtained a credit card from Credit card Company X" Allegation 4: Typically, this next allegation will say something like "Defendant used the credit card to obtain goods and services using the card" Allegation 5: Typically, this next allegation will say something like "Defendant racked up charges totally $XX and then refused to pay"
Submit
A
e
The most important thing you can do is to answer the complaint by the due date. This is the most important thing ou can do when ou receive a summons. Once you've identified the paperwork which constitutes the complaint, you must answer it. You merely reply by stating whether or not you agree with the statements in the complaint and why. Don't hide your head in the sand, you have NOTHING to lose by answering the complaint, even if you don't do it exactly right. You must do it quickly, you only have 20-30 days (depending on your court) to answer the complaint. If you do NOTHING, you automatically lose and the collection agency has a judgment against you.
You MUST answer the complaint. It will cost you next to nothing to answer, and it's pretty easy to do. If you do nothing, you AUTOMATICALLY LOSE. By answering, you have a good chance of winning.
A
e i g he C
ai
C
ec
You can write your answer on a plain piece of paper, or type them up on your computer. No fancy or legal format is necessary. As long as your answer is clear, it will be fine. In some court systems, they provide written forms for you to fill out. You can use them and attach a more detailed answer. A sample answer is posted at the bottom of this page. IMPORTANT: You must ADMIT or DENY each allegation. Failure to deny an allegation means that you are admitting to it. I he ab ec ai e a e
Y a e A ega i be 1 ca be: In your answer, you would ADMIT allegation 1, that the plaintiff is who they say they are. Y a e A ega i be 2 ca be: You would also ADMIT allegation 2: that you (the defendant) are who Plaintiff says you are. Y a e A ega i be 3 ca be: We are assuming in allegation 3, that you opened a credit card account with them, has been backed up by zero evidence. For instance, some lawsuits are filed by Junk Debt Buyers acting as collection agencies who don't even list the account number of the original credit card. They don't have any statements from the credit card companies, nothing. They've provided no proof so you, as a result, have no idea what they are talking about. The same holds true for allegations 4 and 5. ADMIT in part. I did have an account with Bank X. DENY in part, I have been presented no evidence that the account I had with Bank X is the same account as the debt alleged in this complaint. -orDENY. Responding Party objects to this request on the ground that it is vague, ambiguous and unintelligible in that Responding Party has to speculate as to the meaning of "the credit card" and "the account." Y a e A ega i be 4 ca be: DENY. This request calls for admission of matter defendant has denied and thus it is improper. -orDENY. Responding Party objects to this request on the ground that it is vague, ambiguous and unintelligible in that Responding Party has to speculate as to the meaning of "the credit card" and "the account." Y a e A ega i be 5 ca be: DENY. This request calls for admission of matter defendant has denied and thus it is improper.
www.creditinfocenter.com/legal/ive-been-sued.shtml
2/5
3/27/12
Sued b a Debt Collector - Learn How to Fight Debt Lawsuits
Affi
a i e Defe
e
Affirmative defenses are legal reasons why the complaint should be thrown out. Some of the best affirmative defenses are: Failed to state the basis of the lawsuit: They did not cite an actual state law which was violated. Debt is Time-barred: The statute of limitations has passed. Statute of Frauds: No contract exists as proof. Failure of Consideration: No exchange of money or goods occurred between the plaintiff and the defendant. Lack of Privity: No relationship exists between the collection agency and you. You never signed a contract or agreement with the collection agency, remember? You can list these affirmative defenses at the bottom of your answer, after the specific responses to the allegations.
Fi e Y
A
e
You will need to send a copy of your answer to the courts and the lawyer listed in the complaint. Make sure you send them within the time allowed and send them registered mail! As another option for selected states, here is a service where you can submit your court filing online. A sample answer is posted at the bottom of this page.
Re
e
f
Di c
e
In some courts, you need to file any counter-suit along with your answer. In addition, if you intend to ask for discovery (request disclosure of information and documents from the Plaintiff), you may need to send it along with your answer. Every court's rules are different, you need to look this up. Which brings us to the next item.
L
C
R e
fP
ced
e
Most courts have online instructions and information. Take the time to read it. You will at least need to know the timetable of your case.
E ide ce I c ded i
he S
a dC
ai
Most often you will be presented with exhibits (documentation which serves as evidence) in the case file, such as credit card agreements and affidavits of debt. Usually you can object to this evidence and get it thrown out of the case based on hearsay. If you are successful getting this evidence thrown out (struck from the records), the Plaintiff will have no evidence against you. If they have no evidence, they cannot win.
Ti
f
Fi i g Y
A
e
Many courts will let you handle everything via the U.S. Mail. There is no need to take time off of work to personally file your answer. Send everything certified mail, return receipt requested; one copy to the court, one copy to the lawyer representing the Plaintiff. Another good idea is to include a self-addressed stamped envelope and one extra copy with your answer to the court. In some cases, if you made a mistake in your answer, they will let you know immediately. If nothing else, they will send you a an endorsed-filed copy of the filing so you know it was entered. One of our readers received a hand written note from the clerk asking my reader to call so the clerk could help correct the filing.
Te
i
ia Tha Thi Ad ice W
!
I want to say THANK YOU!!!!! I was recently (11/06/08) sued by a Debt Collection agency and taken to my local District Judge for an old credit card account of just under $2500. This account was originally opened in the early 90s and I last made a payment to a collections dept. in 2002. Well, a junk debt buyer bought it and have been harassing me since 2004. I received a summons in the mail to appear in court, which I promptly replied that I would defend since referencing your creditinfocenter website. I not only built a case using the SOL argument and re-aging, but embarrassed the counselor that showed up against me by asking for signatures, original documents, account histories, etc. He showed up with GENERIC documents w/ no signatures and I won the case!!!! Thank you SOOOOO much. The best part was when the counselor stopped me after the judge left and said how impressed he was with my preparedness and that no one usually knows about those items!! Thanks so much.
www.creditinfocenter.com/legal/ive-been-sued.shtml
3/5
3/27/12
Sued b a Debt Collector - Learn How to Fight Debt Lawsuits
Thanks again! M. (Pittsburgh, PA)
You can also read this detailed description of what it's like to go to court against the big boys and WIN. The story is enlightening, educational and ENTERTAINING.
Sa eA e PLEASE DO NOT JUST CUT AND PASTE THIS - Every complaint is different. One size DOES NOT fit all. If you merely cut and paste, you WILL LOSE.
Complaint number #XXXXXXX Collection Attorney Plaintiff vs. YOU Defendant Defendant's Answer to Complaint Allegation 1: Admit Allegation 2: Admit Allegation 3: Denied: Responding Party objects to this request on the ground that it is vague, ambiguous and unintelligible in that Responding Party has to speculate as to the meaning of "the credit card" and "the account." Allegation 4: Denied: This request calls for admission of matter defendant has denied and thus it is improper. Allegation 5: Denied: This request calls for admission of matter defendant has denied and thus it is improper. FUTHERMORE, Defendant DENIES every other allegation not previously admitted, denied or controverted. AS AND FOR AFFIRMATIVE DEFENSES 1. Plaintiff fails to state a cause of action against the defendant. 2. Plaintiff, as the defendant is informed and believes, lacks the legal standing to bring and maintain this action. 3. The action is barred by the Statute of Frauds. 4. The action is barred by the Statute of Limitations. 5. The court would unjustly enrich the plaintiff by granting the relief sought herein. 6. The plaintiff has not proven the debt is valid or the amount of the debt is accurate. The plaintiff must prove that the principal, interest, collection costs, and attorneys fees are all correct, agreed to in your contract, and lawfully charged. Defendant also insists that the plaintiff come up with the contract, account statements and purchase receipts to prove the amount of the debt. WHEREFORE, the defendant asks the Court for judgment: a. dismissing the complaint herein with prejudice.
Not really sure who the real plaintiff is? Read this!
+3 Recommend hi on
Like
57 e
le
Repair Yo r Credi
Understand & Fi Your Credit Errors Free Credit Summar & Consultation.
CleanCredit.Le ingtonLa .com
D ha e a e i fee e ha e ' a e ed? Get a FREE initial credit or debt consultation or buy our book "Good Credit is Sexy".
Order Paperback Now and Receive a FREE Sample Letter CD - Only $19.95
www.creditinfocenter.com/legal/ive-been-sued.shtml
4/5
3/27/12
Sued b a Debt Collector - Learn How to Fight Debt Lawsuits
Credit Repair | Bankruptcy | Credit Reports | Credit Rebuilding | Credit Scoring | Debt | Featured Articles | Identity Theft | Privacy | Mortgages Site Map | Scam Alerts | Self Help Forms | Savings & Budgeting | Questions Last modified - about an hour ago. :) ©1995-2012 Web Nation®, Inc. all rights reserved. Credit Info Center® is a Web Nation® website.
Mozilla/5.0 (Windows NT 6.1; WOW64) AppleWebKit/535.11 (KHTML, like Gecko) Chrome/17.0.963.83 Safari/535.11
www.creditinfocenter.com/legal/ive-been-sued.shtml
5/5
Sued b a Debt Collector - Learn How to Fight Debt Lawsuits
Sued by a Creditor * Debt Lawsuit * Debt Collector * Collection Agency * Summons and Complaint
Home
Credit Repair
Credit Report
Credit Cards
Debt
Bankruptcy
Forums
ID Theft
Loan/Mtg
Budgeting
Legal Advice
Blog
Search
Online Bookstore FREE Credit Counseling Sample Letters Find a Credit Card Settle Your Debts FREE Credit Reports Statute of Limitations on Debt
The Poor Man's Guide to Suing Credit Bureaus and Collection Agencies - An Incredible Value at $21.95
Credi Repair (Free)
The Credit Repair E perts! America's Choice for Credit Repair
.CreditRepair.com
S ed b a C edi
La
? Lea
H
Figh a Deb La
i
CURRENT FORUM
Upda ed: Oc ob e 26, 2011
Pennsylvania law q about CAs Go To Po Go To Post
PrePaid & Debit Cards Secured Credit Cards Credit Card for Students Identity Theft Protection Credit Monitoring Rebuild Your Credit ChexSystems Debt Validation Dispute w/ Original Creditor Legal References Bookmark the Site Versión Española (Spanish)
With many collection agencies and JDBs turning to the legal system to collect, more and more people are talking to me about lawsuits over debts. This article will cover the best way to handle the situation if you find yourself with a summons. This article covers lawsuits dealing with DEBT ONLY. You might also watch to watch our video on being sued.
Question about Mo SJ hearing
Please Note: I AM NOT A LAWYER. If you are facing court, it's ALWAYS a good idea to hire an attorney or get some legal assistance. Depending on your area and circumstances, in some cases, you can get free help. If you cannot afford it, though, take heart. Lot of people have handled their cases pro per (in other words, without a lawyer.)
Good News, Bad N To Post
MOST RECENT AR
Wha T D If Y
A e Se
ed a La
i
If you have been served with a lawsuit, the time to send a debt validation letter is OVER. People always think that sending a debt validation letter to the law firm/collection agency/junk debt buyer will somehow stop the court case or serve as a proper answer to the summons. IT DOES NOT. At this point, your priority should be writing your answer to the court addressing each point in the complaint. If you don't do this, you automatically lose the case. Your time to answer the complaint is limited, usually 20-30 days from the day you are served. Don't waste this precious time on debt validation.
College Degrees W Student Loan Debt Article
Save For Retireme Off Loans?
Credit Score - Lear Basics of Credit Scoring Read Article
Wha i a S
a dC
ai
?
In the packet of papers you received from the process server, you will find: A paper telling you when your court date is, Some kind of certification that you were served (meaning it goes over how you were notified of the lawsuit: in person, by mail, etc.), Instructions for answering the complaint or a form to fill out, Any evidence the Plaintiff (i.e. collection agency) is submitting. There could be documents such as affidavits from the collection agency. There might also be documents from the original creditor, although this is extremely rare, A list of allegations, which constitutes the complain . The paper may or may not be titled "Complaint". Next we will go over the steps to identify the complaint in the paperwork. There will ALWAYS be a complaint in your paperwork. Please look for it.
Customer Protectio Bureau Proposes Ov Credit Reports and D Collectors Read Arti
How Collections Af Credit Score
NEWSLETTER S
* First Name
C
ai
* Last Name
If you are still having trouble finding the complaint, this next information may help. Most complaints will look like the following.
www.creditinfocenter.com/legal/ive-been-sued.shtml
1/5
3/27/12
Sued b a Debt Collector - Learn How to Fight Debt Lawsuits
* = Required Field Complaint Number #XXXXXXX Collection Attorney Plaintiff vs. YOU Defendant Allegation 1: <Gives plaintiff's name, address> Allegation 2: <Gives your name and address> Allegation 3: Typically, this next allegation will say something like "Defendant obtained a credit card from Credit card Company X" Allegation 4: Typically, this next allegation will say something like "Defendant used the credit card to obtain goods and services using the card" Allegation 5: Typically, this next allegation will say something like "Defendant racked up charges totally $XX and then refused to pay"
Submit
A
e
The most important thing you can do is to answer the complaint by the due date. This is the most important thing ou can do when ou receive a summons. Once you've identified the paperwork which constitutes the complaint, you must answer it. You merely reply by stating whether or not you agree with the statements in the complaint and why. Don't hide your head in the sand, you have NOTHING to lose by answering the complaint, even if you don't do it exactly right. You must do it quickly, you only have 20-30 days (depending on your court) to answer the complaint. If you do NOTHING, you automatically lose and the collection agency has a judgment against you.
You MUST answer the complaint. It will cost you next to nothing to answer, and it's pretty easy to do. If you do nothing, you AUTOMATICALLY LOSE. By answering, you have a good chance of winning.
A
e i g he C
ai
C
ec
You can write your answer on a plain piece of paper, or type them up on your computer. No fancy or legal format is necessary. As long as your answer is clear, it will be fine. In some court systems, they provide written forms for you to fill out. You can use them and attach a more detailed answer. A sample answer is posted at the bottom of this page. IMPORTANT: You must ADMIT or DENY each allegation. Failure to deny an allegation means that you are admitting to it. I he ab ec ai e a e
Y a e A ega i be 1 ca be: In your answer, you would ADMIT allegation 1, that the plaintiff is who they say they are. Y a e A ega i be 2 ca be: You would also ADMIT allegation 2: that you (the defendant) are who Plaintiff says you are. Y a e A ega i be 3 ca be: We are assuming in allegation 3, that you opened a credit card account with them, has been backed up by zero evidence. For instance, some lawsuits are filed by Junk Debt Buyers acting as collection agencies who don't even list the account number of the original credit card. They don't have any statements from the credit card companies, nothing. They've provided no proof so you, as a result, have no idea what they are talking about. The same holds true for allegations 4 and 5. ADMIT in part. I did have an account with Bank X. DENY in part, I have been presented no evidence that the account I had with Bank X is the same account as the debt alleged in this complaint. -orDENY. Responding Party objects to this request on the ground that it is vague, ambiguous and unintelligible in that Responding Party has to speculate as to the meaning of "the credit card" and "the account." Y a e A ega i be 4 ca be: DENY. This request calls for admission of matter defendant has denied and thus it is improper. -orDENY. Responding Party objects to this request on the ground that it is vague, ambiguous and unintelligible in that Responding Party has to speculate as to the meaning of "the credit card" and "the account." Y a e A ega i be 5 ca be: DENY. This request calls for admission of matter defendant has denied and thus it is improper.
www.creditinfocenter.com/legal/ive-been-sued.shtml
2/5
3/27/12
Sued b a Debt Collector - Learn How to Fight Debt Lawsuits
Affi
a i e Defe
e
Affirmative defenses are legal reasons why the complaint should be thrown out. Some of the best affirmative defenses are: Failed to state the basis of the lawsuit: They did not cite an actual state law which was violated. Debt is Time-barred: The statute of limitations has passed. Statute of Frauds: No contract exists as proof. Failure of Consideration: No exchange of money or goods occurred between the plaintiff and the defendant. Lack of Privity: No relationship exists between the collection agency and you. You never signed a contract or agreement with the collection agency, remember? You can list these affirmative defenses at the bottom of your answer, after the specific responses to the allegations.
Fi e Y
A
e
You will need to send a copy of your answer to the courts and the lawyer listed in the complaint. Make sure you send them within the time allowed and send them registered mail! As another option for selected states, here is a service where you can submit your court filing online. A sample answer is posted at the bottom of this page.
Re
e
f
Di c
e
In some courts, you need to file any counter-suit along with your answer. In addition, if you intend to ask for discovery (request disclosure of information and documents from the Plaintiff), you may need to send it along with your answer. Every court's rules are different, you need to look this up. Which brings us to the next item.
L
C
R e
fP
ced
e
Most courts have online instructions and information. Take the time to read it. You will at least need to know the timetable of your case.
E ide ce I c ded i
he S
a dC
ai
Most often you will be presented with exhibits (documentation which serves as evidence) in the case file, such as credit card agreements and affidavits of debt. Usually you can object to this evidence and get it thrown out of the case based on hearsay. If you are successful getting this evidence thrown out (struck from the records), the Plaintiff will have no evidence against you. If they have no evidence, they cannot win.
Ti
f
Fi i g Y
A
e
Many courts will let you handle everything via the U.S. Mail. There is no need to take time off of work to personally file your answer. Send everything certified mail, return receipt requested; one copy to the court, one copy to the lawyer representing the Plaintiff. Another good idea is to include a self-addressed stamped envelope and one extra copy with your answer to the court. In some cases, if you made a mistake in your answer, they will let you know immediately. If nothing else, they will send you a an endorsed-filed copy of the filing so you know it was entered. One of our readers received a hand written note from the clerk asking my reader to call so the clerk could help correct the filing.
Te
i
ia Tha Thi Ad ice W
!
I want to say THANK YOU!!!!! I was recently (11/06/08) sued by a Debt Collection agency and taken to my local District Judge for an old credit card account of just under $2500. This account was originally opened in the early 90s and I last made a payment to a collections dept. in 2002. Well, a junk debt buyer bought it and have been harassing me since 2004. I received a summons in the mail to appear in court, which I promptly replied that I would defend since referencing your creditinfocenter website. I not only built a case using the SOL argument and re-aging, but embarrassed the counselor that showed up against me by asking for signatures, original documents, account histories, etc. He showed up with GENERIC documents w/ no signatures and I won the case!!!! Thank you SOOOOO much. The best part was when the counselor stopped me after the judge left and said how impressed he was with my preparedness and that no one usually knows about those items!! Thanks so much.
www.creditinfocenter.com/legal/ive-been-sued.shtml
3/5
3/27/12
Sued b a Debt Collector - Learn How to Fight Debt Lawsuits
Thanks again! M. (Pittsburgh, PA)
You can also read this detailed description of what it's like to go to court against the big boys and WIN. The story is enlightening, educational and ENTERTAINING.
Sa eA e PLEASE DO NOT JUST CUT AND PASTE THIS - Every complaint is different. One size DOES NOT fit all. If you merely cut and paste, you WILL LOSE.
Complaint number #XXXXXXX Collection Attorney Plaintiff vs. YOU Defendant Defendant's Answer to Complaint Allegation 1: Admit Allegation 2: Admit Allegation 3: Denied: Responding Party objects to this request on the ground that it is vague, ambiguous and unintelligible in that Responding Party has to speculate as to the meaning of "the credit card" and "the account." Allegation 4: Denied: This request calls for admission of matter defendant has denied and thus it is improper. Allegation 5: Denied: This request calls for admission of matter defendant has denied and thus it is improper. FUTHERMORE, Defendant DENIES every other allegation not previously admitted, denied or controverted. AS AND FOR AFFIRMATIVE DEFENSES 1. Plaintiff fails to state a cause of action against the defendant. 2. Plaintiff, as the defendant is informed and believes, lacks the legal standing to bring and maintain this action. 3. The action is barred by the Statute of Frauds. 4. The action is barred by the Statute of Limitations. 5. The court would unjustly enrich the plaintiff by granting the relief sought herein. 6. The plaintiff has not proven the debt is valid or the amount of the debt is accurate. The plaintiff must prove that the principal, interest, collection costs, and attorneys fees are all correct, agreed to in your contract, and lawfully charged. Defendant also insists that the plaintiff come up with the contract, account statements and purchase receipts to prove the amount of the debt. WHEREFORE, the defendant asks the Court for judgment: a. dismissing the complaint herein with prejudice.
Not really sure who the real plaintiff is? Read this!
+3 Recommend hi on
Like
57 e
le
Repair Yo r Credi
Understand & Fi Your Credit Errors Free Credit Summar & Consultation.
CleanCredit.Le ingtonLa .com
D ha e a e i fee e ha e ' a e ed? Get a FREE initial credit or debt consultation or buy our book "Good Credit is Sexy".
Order Paperback Now and Receive a FREE Sample Letter CD - Only $19.95
www.creditinfocenter.com/legal/ive-been-sued.shtml
4/5
3/27/12
Sued b a Debt Collector - Learn How to Fight Debt Lawsuits
Credit Repair | Bankruptcy | Credit Reports | Credit Rebuilding | Credit Scoring | Debt | Featured Articles | Identity Theft | Privacy | Mortgages Site Map | Scam Alerts | Self Help Forms | Savings & Budgeting | Questions Last modified - about an hour ago. :) ©1995-2012 Web Nation®, Inc. all rights reserved. Credit Info Center® is a Web Nation® website.
Mozilla/5.0 (Windows NT 6.1; WOW64) AppleWebKit/535.11 (KHTML, like Gecko) Chrome/17.0.963.83 Safari/535.11
www.creditinfocenter.com/legal/ive-been-sued.shtml
5/5
