Debt Defense

Why does that creditor want you to sign an “Agreed Judgment”?

January 26, 2012 Debt Collection

Probably because you do not know what that means. Whenever a civil lawsuit is filed, the plaintiff wins the case by obtaining a “judgment” against the Defendant. A “judgment” is the final determination by a court of proper jurisdiction of who wins the case. Sometimes, after a creditor files a civil suit to collect money [...]

Read the full article →

The Emotional Ties to Debt

January 17, 2012 Debt Collection

My perception of debt and human nature has been forever changed by representing the plight of those who society has forgotten: the debtor.  There is such a stigma against someone who owes money and typically it is the debtor, himself (or herself) who applies the stigma.  It is this very stigma that keeps debtors from [...]

Read the full article →

Robo-signing in the debt buying industry…

January 8, 2012 Debt Defense

According to study out of New York, “researchers found that over the course of a year, one debt buyer’s affiant identified himself as the custodian of records in 47,503 affidavits, thereby claiming to have personal knowledge of the facts of each and every case” (The One Hundred Billion Dollar Problem in Small Claims Court: Robo-Signing [...]

Read the full article →

Your Tsunami of Credit Card Debt

October 7, 2011 Debt Defense

Tsunamis are dangerous because people don’t see the wave building until just before it crashes on the shore and wipes everything out. You may not realize it, but your credit card debt is just like that. Over and over again, our clients tell us that they had everything under control until they lost a job [...]

Read the full article →