IF YOU ARE BEING SUED BY A COLLECTION AGENCY (JUNK DEBT BUYER) AND YOU HAVE NO CLUE ON HOW TO ANSWER YOUR SUMMONS AND LIST YOUR AFFIRMATIVE DEFENSES AND WOULD LIKE SOMEONE TO HOLD YOUR HAND AND SHOW YOU STEP BY STEP ON HOW TO DO THIS PLUS SO MUCH MORE SO THAT YOU CAN WIN YOUR CASE AND GET THIS OUT OF YOUR LIFE..........RELAX THE HELP YOU NEED IS RIGHT IN FRONT OF YOU!
MORE JUNK DEBT BUYERS BITE THE DUST Testimonials Updated September 2011 We received the below testimonials via email or they were left as a post on our blog. I was so scared when the process server came to my house, I really wanted to hide my head in the sand like 90% of the folks who get served in credit cases. I am so thankful I found this website! The info on this site and The Defendant's Package helped me to navigate through this scary process. I also did research on my State's Civil Code Procedures to determine when I need to file the different documents that I tailored to my own situation. The documents I got with the package were essential to my success. Although the junk debt buyer's (Midland) lawyer answered my first discovery, he did not answer my Request for Production of Documents and as I was about to file a Motion to Dismiss! He got tired of my fighting him. Please, don't be afraid of these folks, and get The Defendant's Package! Thank you for this information, it is the main reason I won my case! -Caitlin *This testimonial was left on our blog: http://howtoanswerasummons.com/?p=845
The Defendant's Package was designed for people who cannot afford an attorney and want to fight Junk Debt Buyers & Collection Agencies back but don't know how to do it.
Most of you being sued right now are confused and have no idea what you are doing or what is going on. Nor do you have any idea what lies ahead of the Plaintiff NOT YOU the Plaintiff. Just because they filed a Lawsuit does not automatically mean they'll win and don't you assume it! PROOF is needed to PREVAIL IN COURT and 99% of them DO NOT HAVE IT! THE PROOF IS ON THE PLAINTIFF NOT YOU! 99% OF YOU WILL WIN YOUR COURT CASE WITHOUT STEPPING ONE FOOT INTO A COURT ROOM! So if you are scared right now DON'T BE!!! Here's where you stand right now: *You have received a Court Summons from a Collection Agency. In turn they hired an Attorney. These Attorneys are MESSY, do things fast, and don't have the proper documents to prevail in a court of law. But they don't care. They just want a nice big commission check. So what they are aiming for is what is called a Default Judgment against you. Once they get a Default Judgment they are in total control, including freezing your bank account, garnishing your wages, making you appear in court for a Garnishment Hearing among other messy things. THE ONLY WAY THEY CAN GET A DEFAULT JUDGMENT AGAINST YOU AND COME AFTER YOU IS IF YOU DO NOT ANSWER YOUR SUMMONS AND THAT IS EXACTLY WHAT THEY WANT IS FOR YOU NOT TO ANSWER IT. *There is a Complaint attached to your Summons. The Complaint tells you who is suing you (The Plaintiff), why they are suing you, and for how much they are suing you for. 99% of this is pure garbage and they won't be able to come up with any documents to prove their case. *Do you see any papers attached to the summons proving you did what they state you did? Do you see papers attached proving the amount they are suing you for is the right amount? Is there an Affidavit attached signed by an employee of the Collection Agency? If you did receive an affidavit signed by a Collection Agency's employee don't FRET it isn't worth the piece of paper it is written on! If you don't answer your summons that slimy attorney will get that big commission check by winning a default judgment, garnishing your paycheck, and freezing your bank account. *As far as settling? Don't pick up that phone! If you pick up the phone and call them to settle CONGRATS! you just ADMITTED THE DEBT IS YOURS and they will use it against you in court, that you called to settle, if you called to settle, the debt must be yours to begin with. They'll want one BIG CHECK from you. You are being sued now they don't want PAYMENTS they want the debt PAID IN FULL. ***When you opened your credit card you opened it with the Original Creditor. You signed an agreement with them to pay them back. You most certainly DID NOT sign any agreement with this Junk Debt Buyer (Collection Agency). So, they have a lot of proving to do don't they? They are going to have to prove that you opened and account with the original creditor, they are going to have to prove that they legally own the debt by providing proof of Assignment with your name and account number listed on it, they are going to have to prove that you defaulted on your credit card account, they are going to have to prove that you agreed to attorney fees, they are going to have to prove that the amount they are suing you for is the correct amount to the penny by providing credit card statements or an affidavit signed by the Original Creditor not some employee who works for them. And people the list goes on and on for what they will have to prove to the court. So just because you received a Summons DOES NOT make everything they state to be TRUE! It must be proven in court and 99% of these Collection Agencies and Junk Debt Buyers DO NOT HAVE THE PROOF!
It is now up to you to Answer your Summons or ignore it and LET THEM WIN. Now this is where The Defendant's Package comes in. The Defendant's Package has the Legal Pleading Paper, 52 Pages full of Information, Motions, and of Course Answering Your Summons the Right Way complete with Affirmative Defenses!! All for you to WIN YOUR LAWSUIT with step by step help. The Defendant's Package is in PDF Format compatible with ALL Windows & Mac Computers. Legal Pleading Paper is included with The Defendant's Package which is in Microsoft Word Documents. We even show you how to print it so that the lines and numbers do not show up during the print process. Once the Defendant's Package is downloaded to your computer you will never lose it, all motions and documents can be printed, or copy and pasted for easy editing for your convenience.
Here's my story.......... I was sued by 2 Junk Debt Buyers LVNV Funding & Red Rock Financial and WON. I was also sued by Capital One the original creditor & Won ....... http://www.howtoanswerasummons.com/CapitalOneBankCreditCardLawsuit.htm
HERE IS MY PROOF BELOW THAT WHAT I SAY ABOVE IS TRUE Click the Pictures to Enlarge them so you can read the entire Court Order:
I think it is fair enough to say that I DO KNOW HOW TO BEAT THESE GUYS AT THEIR OWN GAME!
Notice how my Court Orders state pro se or in person which totally proves to all of you I did this myself. If anyone else is claiming they can help you in regards to beating Collection Agencies in a Court of Law and cannot provide you with copies of the Documented Proof or Court Orders proving that they themselves WON on their websites, I ask, how can you assume you can possibly win your case if they can't prove they have? Don't waste any more of your time looking for help to Fight A Junk Debt Buyer/Collection Agency Credit Card Lawsuits. Everything you need is right in front of you and offered here! 60 hours a week for 3 weeks have been spent trying to figure out how to BEAT Junk Debt Buyers and now my cases and information will be shared with you, so you too, can beat these guys!
Get the documents that were ACTUALLY used in Collection Lawsuits and won (not to mention all the other lawsuits won by customers who have used the Defendant's Package) & quit wasting your time searching the internet and taking advice from people who were not even sued. Would you want to Copy & Use Actual Court Documents from someone who has beaten these guys? Or take the risk of bad advice floating around the internet not knowing that you are doing it the right way?
You can continue looking around the internet until your eyes bleed or get everything you need right now. The Documents within the Defendant's Package were used to beat 2 Junk Debt Buyers and 1 Original Creditor without a Lawyer. One for $8,000 PLUS another for $16,000 PLUS and another for a little over $2,000.00 PLUS. See proof at bottom of page. Documents within the Defendant's Package have all been used in a Court of Law to Win Debt Collection Lawsuits otherwise they would not be offered here.
Not everyone can afford a lawyer, and without a Lawyer you may be lost or intimidated as to what to do next after you receive your Summons. Don't Be! If you can't afford a lawyer, or simply cannot get one you can do this yourself!! It is amazingly easy if you know what you are doing and that is why this package was made especially for YOU! When I kept winning lawsuit after lawsuit it basically became a joke at how easy it was. All of you need to know is how simple it is to beat a Junk Debt Buyer!
They supposedly bought your
old debt from your original creditor for pennies on the dollar (make
them prove that they have the rights to legally sue you). They
then tack on interest, attorney fees, late fees and so much more thousands
of dollars worth more and sue you for that inflated amount. (make
them prove the amount to the penny) They assume that you are
without knowledge of your rights and will just call them and settle, or
simply ignore the summons and that will give them the WIN. A
default judgment. (but you are not stupid or you
wouldn't be here right now! Fight them back and make them prove their
case!) If they get a Default Judgment Against you.....They will freeze your bank account and WILL get an order to have you come to court for a Garnishment Hearing. They may even bring you to court to ask you which bank you have your account through. And can legally haul you into court every 90-180 days over and over again until they find out how you are getting paid so that they get paid by you. So my question to you is this: If you don't answer your summons you are most likely going to end up in court anyways for a Garnishment Hearing or for them to find out where you bank, so why wouldn't you just answer it and make them prove everything??????? Don't assume they have what it takes to prevail in a Court of Law because most do not!!
You do not have to have a Paypal Account in order to purchase. All Major Credit Cards Accepted and Checks. INSTANT DOWNLOAD
Most of these lawsuits are dropped once they see you are fighting them back. A Quote directly from an Attorney: "A creditor may not have any documentation at all to verify the debt. In either of these circumstances, the creditor should lose if the matter goes to trial." If you answer your summons it's a whole new Ball Game...which makes them work harder, costs them more money and most importantly forces them to reconsider if they have the evidence to back up their claim or if they should just drop the case now! When you Answer your Summons they know then and there you are fighting them back and most will just give up because they know they are going to lose because they don't have the documents to back up their case. However, some are even more slime than others and will force the case into Discovery hoping you screw that up! Remember, you are just a number to them, you are only one of many of thousands of lawsuits they have filed against. 90% of the people don't answer their Summons and they love those people because they don't have to do anything but file their Default Judgment. BUT if you answer your summons their case got HARDER and they really don't want to deal with people like you. When a Junk Debt Buyer sues you they have to have a TON of Proof in order to Prevail, and MOST DO NOT! You need to take a deep breath and think about this:
Now with this Package in Front of You, Nobody out there has any Excuse NOT TO Answer Your Summons and Fight them Back! We think you would agree that with this package being offered there is no reason for them to get a Default Judgment Against you! Once you file your answer and if you have denied all of the counts against you because of their proof or lack of I should say they cannot file for a default judgment nor a summary judgment because you denied everything right? So, depending on your court system they will either send you discovery (hoping you screw that up but you won't because you'll be armed with this package to fight them back and do it right) or the court will set a court date and they won't show up, they most likely will dismiss it before the court date or simply dismiss the case after you File your Answer because they don't want to waste the money nor the time to fight back because they don't have any documentation.
Here is What You Will Receive & Make sure you Scroll down to the bottom to see all the cases that were WON using these documents!
Let us Point out that most of you WILL NOT NEED HALF of the Documents Offered Here because Most Junk Debt Buyers Will DROP Your Case before Discovery if you are using the Defendant's Package. But... Discovery has been included in The Defendant's Package for those who have attorneys that decide to move forward with Discovery as their last attempt to get you to screw up so we've included all the AMMO you need to fire right back at them and avoid screwing up. Your Goal is to win your case & get it Dismissed ASAP the right way & the documents offered in the Defendant's Package can help you reach that goal! Documents 1 thru 7 below provide you with enough AMMO to get your Lawsuit Dismissed & stop these guys in their tracks and Documents 8 thru 13 will rip them to shreds if this case does move onto Discovery. The Defendant's Package has 52 Pages full of Information for you to WIN YOUR LAWSUIT all in PDF Format. You will need Adobe Reader which is free.
From the Start Here to filing a Motion to Dismiss your case, Answering Your Summons, Filing a Notice to Appear, Striking the Affidavit all the way down to Discovery which includes Interrogatories, Request for Documents, Request to Admit Facts to the Plaintiff & Answers to Interrogatories, Answers for Request for Documents & Answers to Admit Facts that the Plaintiff might request of you. This package can help you beat your lawsuit.
1. DEFENDANT'S Answer TO A Summons Step by Step Help - When you answer the Plaintiff's Complaint you must either admit or deny each paragraph. We have listed responses used in Credit Card Lawsuits to help you choose which ones are best for each of the Plaintiff's Counts Against You. If you are being sued by a Junk Debt Buyer these are the Answers you Need! **We have also added an Attorney Approved Answer to a Summons and my Pro se Answer to LVNV Funding LLC's Summons on top of this so that you can actually view a Real Junk Debt Buyers Complaint and a Real Answer to this Junk Debt Buyer's Complaint used in a Court of Law and won in a Court of Law. All of these responses to the Plaintiff's complaint have to do with Credit Card Lawsuits so you will find something for each one. 2. Affirmative Defenses Step by Step Help- After Answering the Plaintiff's Complaint/Summons you must now list your Affirmative Defenses. Of course we have Included in the Defendant's Package all the Affirmative Defenses that have been used in Credit Card Lawsuits that have been WON including my own. We have also took the liberty of defining all the Affirmative Defenses so that you will know exactly which ones you need per your own Credit Card Lawsuit. Get all the Affirmative Defenses that are used to Win Credit Card Lawsuits right here. You need these. Some of these Affirmative Defenses will make the Opposing attorney think you actually are an attorney!!! That's because most of them came from an actual attorney sample documents! These are awesome defenses and I'm sure you'll be impressed as well! Affirmative Defenses are necessary when you file your answer with the court. If you do not list any Affirmative Defenses you waive them and can lose. These Affirmative Defenses are a MUST HAVE in any Credit Card Lawsuit! These defenses protect you. Pick the defenses that pertain to your own Credit Card Lawsuit. 3. Notice of Appearance that is used by Defendants: This let's the court know that you are appearing and actively participating in this lawsuit. It also gives you the right to receive each and every document, motion, and order that the court and the plaintiff file so that you are not left in the dark and know exactly what is going on with your case.
4. 2 Motion To Dismiss Samples used BY DEFENDANTS & A LAWYER in Credit Card Lawsuits that were WON: -Are you aware that the Plaintiff probably already screwed up just by filing wrong? Every Court in the United States have Rules and the Plaintiff must comply with those rules. The Plaintiff most likely already messed up your lawsuit and you don't even know it! Depending on what State you live in you could ALREADY have grounds for a Dismissal. Get step by step help with filing a motion to dismiss and find out how you will know if you can file one before your Answer. Get a Motion to Dismiss that was Prepared by an attorney (attorney approved) that cost a Defendant $700.00 to have filed. Once filed, the Plaintiff dismissed the case then and there. 5. Certificate of Service-Everyone must use a Certificate of Service. This is basically a statement at the bottom of all your pleadings and motions that states that copies of what you are filing with the court have been mailed to the Plaintiff. Most do not know but this needs to be included. The Plaintiff must receive every single piece of paper you have filed with the court. The Plaintiff must also do the same for you.
6. DEFENDANT'S Motion to Strike Affidavit of Debt used in Numerous Credit Card Lawsuits that were WON POWERFUL DOCUMENT! If you received an Affidavit of Debt attached to your complaint this affidavit, if uncontested, will be enough for them to get a Default Judgment Against you. If you have not received an Affidavit of Debt with your Complaint EXPECT ONE TO SHOW UP !This Sample Motion to Strike is the ultimate weapon to destroy any Junk Debt Buyer's Case! Receive a Sample Motion to Strike Affidavit of Debt with 8 Legal Reasons why the Junk Debt Buyer's Affidavit should be stricken from the Record. (Without this affidavit allowed by the court basically screws their entire case. Most do not have the original contract or credit card statements and use Affidavits of Debt to get by your Trial Rule). (Will not work if credit card statements from the original creditor have been submitted) 7. DEFENDANT'S Sworn Denial used in numerous Credit Card Lawsuits that were WON A Sworn Denial that is a POWERFUL TOOL to get the Affidavit eliminated! Once the Affidavit is eliminated, the lawyer will be forced to bring in a Live Witness to testify, which costs money and they don't want to spend any money. Most just drop the case then and there.
DISCOVERY INSTRUCTIONS & DEFINITIONS ARE INCLUDED WITH DISCOVERY WHICH IS REQUIRED BEFORE SENDING TO THE PLAINTIFF
8. DEFENDANT'S Responses to Interrogatories used in a Credit Card Lawsuit that was WONResponses used for my own Interrogatories. Watch out for TRICK QUESTIONS you need these! They will ask almost the same question in a few Interrogatories hoping you screw it up! I have listed my Responses which you can use to answer the Plaintiff's Interrogatories. Again, all of these responses are based on a Credit Card Lawsuit so they can help tremendously. Pick and choose which ones best fit your Rogs. *Responses to Junk Debt Buyer/Collection Agencies Interrogatories include: bank account information, social security number, identify any payments made to original creditor, identify any payments made to Plaintiff, last check number written out to plaintiff or original creditor, payments made to account number xxxxxx, asking you if the amount sue upon is correct, settlements made to account, witnesses to be called to trial, factual basis of each defense, exhibits used at trial. 9 . DEFENDANT'S Responses to Admissions used in a Credit Card Lawsuit that was WON(Response to Admit Facts) Responses used for my own Admissions. Keep in mind that most courts do not allow you to just put "lack of information" it needs to be worded correctly! So many people screw this up and just put "lack of information" and the Plaintiff gets these deemed admitted to the court because you worded it wrong!!!! I have included a response to use when the Plaintiff sends you Requests to Admit Facts. Yes, one response with 26 words will allow you to answer Admissions such as: *Responses to Junk Debt Buyers/Collection Agencies Admissions include: please admit you applied to the original creditor for so and so credit card, admit you made charges on the credit card, admit you agreed to the terms and conditions when you used the card, admit you are indebted to the Plaintiff for $xxxxx.xx, admit you made payments, admit you owe the balance, admit this is the correct balance. 10. DEFENDANT'S Responses For Production of Documents used in a Credit Card Lawsuit that was WON-Responses used for my own Answer for Production of Documents. All Requests have to do with a Credit Card Lawsuit. Pick the ones you need. Answers for Requests for Documents include: *Answer to Requests for Documents include: providing copies of all payments, copies of settlement letters, exhibits or evidence you plan on using, credit card statements...You will receive all of my Discovery, in tact. Meaning you will see an exact copy of the Discovery I sent to LVNV Funding. From Instructions and Definitions, all the way to Admissions, Request for Documents and Interrogatories complete with Certificate of Service! This is perfect for people who have no idea about Discovery! 11. DEFENDANT'S REQUEST FOR DOCUMENTS TO THE PLAINTIFF used in a Credit Card Lawsuit that was WON-I will give you all the Documents that I requested to LVNV Funding per my lawsuit that I won. There are 21 of them. I say the More Documents requested the more work they have to do, and the more you tick them off! LVNV Could not produce any of them!! Using these specific requests can have the Junk Debt Buyer/Collection Agency dismiss the case then and there!12. DEFENDANT'S REQUEST TO ADMIT FACTS TO THE PLAINTIFF used in a Credit Card Lawsuit that was WON-I will provide you with the Admissions I requested LVNV Funding to Admit per my lawsuit that I won. There are 21 in all for you to use. 13. DEFENDANT'S INTERROGATORIES SUBMITTED TO THE PLAINTIFF used in a Credit Card Lawsuit that was WON-I will provide you with all the Interrogatories I requested to LVNV Funding per my lawsuit that I won. There are 23 listed for you to use.14. GET EVEN MORE HELP BY GETTING LVNV Funding's Complaint & My Answer to their Complaint.On top of all the documents listed above included is LVNV's complaint against myself and my Answer. This is perfect for people who would like to see a real lawsuit answered, to get an even better idea of how it is done.
The Defendant's Package will have you Answering Your Summons complete with Affirmative Defenses, Certificate of Service, Notice to Appear and will ARM you with Discovery to send off to the Plaintiff and help you Answer The Junk Debt Buyer's Discovery that they may send you! Motion to Dismiss, Motion to Strike Affidavit & more! Everything you need to win a Junk Debt Buyer's Lawsuit can be found in this package!
DON'T WASTE ANY MORE OF YOUR TIME SEARCHING EVERYTHING YOU NEED IS RIGHT HERE! DON'T LET THEM GET A DEFAULT JUDGMENT! ANSWER YOUR SUMMONS NOW! Attorney's can charge up to $350 for a consultation, and $1000's more to defend. The cost of this package is a fraction of what an attorney charges, and if you cannot afford an attorney this will help you. I know all of these Documents helped me win my cases! DOWNLOAD THE DEFENDANT'S PACKAGE INSTANTLY! AND START FIGHTING THEM BACK NOW! 52 pages Full of AMMO to win your Lawsuit! Only $39.00 Can save you the Thousands you are being sued for! Our email address is blog@howtoanswerasummons.com if you have any questions before or after purchasing. After purchasing you will receive our customer service phone number.
You do not have to have a Paypal Account in order to purchase. All Major Credit Cards Accepted INSTANT DOWNLOAD Once you place your order, you will receive an instant email with your download link.
THE DEFENDANT'S PACKAGE: Instant Download
We are Verified by Paypal so know that your transaction is protected. A MESSAGE FROM THE AUTHOR: There is nothing more satisfying than receiving email and phone calls from people who have purchased this package for only $34.00 and having them tell me that The Defendant's Package that I have created has won their case and have saved them any where from $2,000 up to $53,000. I could not get over the $53,000.00 case that is unbelievable. To all of you being sued right now I hope this package will help you win your case as well. Good Luck to all of you and remember, it's easier than you think it is!!! Go Get Em! If you have already Answered Your Summons and just need the Discovery Documents we have made a new Discovery Package which can be purchased for only: $29.00 The Discovery Package Includes:
Instant Download The Discovery Package
Many of you would just like to know how I Beat Capital One's Lawsuit I tell in detail about what happened plus give you all the Motions used in that Lawsuit including the Motion to Dismiss which was granted without prejudice, the Motion to Strike and Motion to Dismiss which were granted with Prejudice. For more information please visit: http://www.howtoanswerasummons.com/CapitalOneBankCreditCardLawsuit.htm
Testimonials: October 6, 2009 Do you all have a Donation button on your website? I cannot believe that I had to pay so little for these Documents! I just won my lawsuit which was over $30,000.00!! Can you believe this? I would love to donate more money to your cause to help others beat their lawsuits what your asking is nothing compared to what you guys saved me. I finally am stress free and I just cannot get over this thank you for helping me and my family save all this money. We need more people like you in this world!. Please email me your donation link!!! -Brian T.
Dear howtoanswerasummons.com,
I purchased your package several weeks ago. I am
currently disabled and I haven't worked for 2 years. I defaulted on a
credit card and it was sold to a junk debt buyer. I answered the summons
using your examples and on 8/21/2009 my court case was called and the
attorney for the junk debt buyer asked me if I wanted to set up a payment
plan or a settlement. I answered no. He replied that if I my case went to
trial there would be no deals or settlement available. I was waiting for
my case to be called in court when the attorney said that he wanted to
talk to me outside the courtroom. I was expecting another settlement offer
but to my surprise he handed me a dismissal order signed by the court. I
didn't even have to see the judge. Thanks for a wonderful product. I know
that it was the answer and the motion to strike affidavit that was the
reason the attorney decided to give up. Thanks, Michael
Howtoanswerasummons: Who would have thought that by spending so little by purchasing your Defendant's Package would end up saving me $12,000 in the lawsuit that was filed against me for an old Citibank credit card I defaulted on? Best money I have ever spent! Lawsuit was dropped after I answered!!!! Thank you... Kris "Thank you for making this Package for people like me who have no idea what they are doing! You guys made this easy on myself and my wife during our lawsuit". Many Thanks, Tim & Lisa. "Wow!" "I Answered the Summons and Midland Dismissed the Case 2 weeks later!" "Thanks for saving me $3300.00!!!" YAHOO!!! Ron Atlanta, Georgia "I almost settled once they served me. I decided to Answer their Complaint to see if they had any evidence and sure enough they folded before Discovery! Case Dismissed!" Phil, California. ($17,000.00 Lawsuit)
"I'm glad I found this website it is very informative and this package
helped me so much. My case was dismissed before it even went to trial. Your
Request for Production of Documents saved my a**. About 23 days after
sending my Discovery they dismissed the case." Thanks for saving me
thousands of dollars. ($5500.00 Lawsuit) "I almost didn't answer my summons because I couldn't afford a lawyer and I didn't know what I was doing. I am so glad that I bought this package, I just copied most of your stuff and LVNV dismissed the case. My credit is saved!!!!" Ross B. Indiana ($14,300.00 Lawsuit) "Lost my job, got sued on top of it. I just wanted to thank you for taking the time to do this to help others I didn't think I could do it!" Case Dismissed without prejudice, they didn't have the proper chain of assignment I requested in Discovery thank to you guys! I am awaiting to file a Motion to Dismiss with Prejudice next!" Ellen, Minnesota.
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