February 4, 2016

I had written previously that up to 85% of credit card lawsuits end in a default judgment. A default judgment is entered when a consumer is never properly served with a copy of a Summons and Complaint initiating a lawsuit, or, if served, fails to respond.  It seems tha...

February 4, 2016

In our constant effort to keep pace with the latest developments in debt collector psychosis, we find the following incidents. If you're looking for debt collector harassment, you don't have to search much further.


First a brief review: The Fair Debt Collection Practic...

February 4, 2016

It doesn't hurt to know whether the credit card collection lawsuit against you is barred by the Statute of Limitations. You could save a pile of money.  


One of the first questions I ask is: "When was your last payment." Here's how that question figures in:


Credit card...

February 4, 2016

 Welcomer to "Sewer service"!


"Sewer service" occurs when a process server, who is paid per defendant served,  tosses the Summons & Complaint "into the sewer" and then swears under oath that you were properly served.  It's easy money for the process server - just thin...

February 3, 2016

Here's a checklist of debt collection behavior that violates the Fair Debt Collection Practices Act.


Keep in mind that the FDCPA applies only to attempts to collect "consumer debt" - that is, debt incurred primarily for personal or household purposes. The FDCPA does no...

February 1, 2016

If you were never served with notice of the lawsuit in time to defend it,

the judgment against you is void and may be set aside. But you should act Now! You may lose your rights if you delay.


Sometimes the first time you learn of a judgment is when your wages are garni...

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