Thank you for all you do. Between your videos, the two Johns (Arizona and Alabama), and Brian Parker in Michigan, you all gave me the courage to fight a lawsuit from Cavalry and they eventually agreed to drop it.
What is so EFFED up about this lawsuit is that the company is LYING. They never acquired any rights to the debt, only the account , because the debt was sold off beforehand to a securitization! So they bought your account with no debt inside of it because the debt was already sold to investors. That is nuts. Notice there is no mention of debt anywhere in the summons - they have no standing!
Hey guess what aren't they violating the law that says they cannot give any information of your account to a third party or affiliate? That is what they are doing once they hand it over to a debt collector!
I don't understand how the bank could legally sell a debt with my name on it. The original contract between myself and the bank has somehow disappeared, I tried calling the bank twice and asked midland multiple times and no one has it. Isn't that pretty crucial??
Usually the original loan agreement allows them to sell the debt. As a practical matter, no one is going to win on that issue unless there’s a failure to prove the sale or assignment. Regarding the original contract, did you actually sign something or was it an online contract?
I wanted to ask if its even legal for debt collectors to call me and put fear in me that I could be arrested for a serious crime like fraud or something just for having debt that I can't pay and I thought that I could handle the payments but then I just was getting too much debt. Also I don't know if its legal for them to be calling my brother and my boss about my particular debt issue if they have nothing to do with it and they say that to them there's a legal case being filed against me. They are driving me crazy.
If a debt collector threatens you with arrest, they've broken the law in a serious way. You should absolutely give us a call as soon as possible: 352-567-3173
They are expecting you to not answer the lawsuit. In my rural county in Texas, there are tons of these lawsuits filed in the JP courts (small claims) and 95% result in default judgments. When someone does answer, they’ll end up voluntarily non-suiting it most of the time (even against pro se’s if they seem to halfway know what they are doing).
Me too! San Jacinto and I don't have date on my papers when I was served it just says I have 114 days to respond. Hell I was so upset I didn't write it on the calender. I can't find any dockets to see if I missed mine.
Recently I suddenly started receiving letters from lawyers and law firms stating that i'm being sued by Midland, however I have not received any legal documents to my house. How can I fight this case to have it thrown out?
At least one good thing if you wanted to go the debt defense rought is that if a creditor sues you and they been constantly harassing you and making threats against you, you could countersue them for violations or pretty much anything that you can claim in court are "damages" and possibly have them owe you money.
Midland credit management sent a chain of title list with the addresses and date of transfer and an email from credit one bank saying they sold my account DIRECTLY TO midland credit management inc…. Is that enough for them to sue or can i still fight that they didn’t attach proof of sale nor does the bill of sale shows my name and account number? Theres like 5 bill of sales copied and pasted… so how could credit one bank SEND me this letter stating they sold my account directly to Midland Credit management if Midland is LAST on the chain of title list?
Thank you for your video. Its awesome to know someone is willing to give people information. I recieved a court complaint from Midland credit and I am lost for what I am suppose to do I am a single mom in Ca and cant afford them to garnish my wages. What is my next step? If I contact midland and ask for payments will that close the window to later settle for less amount?
I can’t say for sure because I’m in Florida but it looks like a single mom is exempt from wage garnishment in California: selfhelp.courts.ca.gov/small-claims/after-trial/if-you-cant-pay/respond-wage-garnishment You’ll probably want to check with a California lawyer to be sure. Call Mike Cardoza www.cardozalawcorp.com/ or Jay Rahimi: www.jrahimilaw.com/
I was sue by a debt collector. I asked for a letter of validation, l didn't get an answer for the debt collector. After more than 90 days a date is set for hearing in January 2025. Now l received a letter from the debt collector with the with cuption MOTION TO DISMISS. Please what advice will you give me
I know that an account that is "charged off" doesn't mean that the debt is forgiven, but rather it means quite the opposite, that the original creditor simply closed the account and sent it to a debt collector who will continue to harrass you even more. They don't care if you're broke, they just want large amounts of money to just magically appear in your possesion so that you could pay them. Thats what they believe. Also I know that debtor's prisons do actually kindof exist like after a judgment is entered against you and say if they order you to come into court to provide information about your income and assets and you don't come, then you could be put into "debtor's prison" or charged with contempt of court.
I am being sued by NCB management. I am in TN they are trying to take me to court because of a car repo and they want the rest of the money . Is the purchase agreement the same as the bill of sale ? I go to court tomorrow and I’m sick to my stomach. I have been in and out of the hospital as well needing blood transfusions
The bill of sale will usually mention the purchase agreement, sometimes called a forward flow agreement. For TN, call Alabama Lawyer John Watts. He can steer you in the right direction.
Zero. Unless you deliberately and flagrantly committed contempt of court (I once watched a person get arrested for dropping an F-bomb AT the judge in open court) we don't have debtor's prison here in the US.
I don't know, even if a creditor sued me and got a judgment against me, if I have no possible way to pay the debt, that judgment isn't going to just magically turn into all the money whatever they claim I owe them.
Depending on your state law, they may be able to: 1. Garnish up to 25% of your paycheck 2. Seize your bank accounts 3. Seize and sell any vehicle you own 4. Seize personal property. "I don't have money" isn't a defense, it's a guilty plea.
Im in Ohio, but im being sued and I havent received any mail regarding this. Only way I know was a debt relief agency from another city sent me some text messages. No idea what I should do
I was able to prove to the court that collection amount was not what i had record of and it was dismissed. Was that enough for me to counterclaim the action upon me to the judge and or the court in a follow up suit? Thx
If the suit was already dismissed, it's too late to file a counterclaim (unless your state has very unusual rules) You might be able to file a separate lawsuit against the debt collector, but there's a very short time limit (one year)
I have a few accounts taken over by these psychos now and likely not going to be able to pay. If they sue me and I have no money to pay what happens? I know I’ll be hit with court fees too, so what if I can’t pay that? Can I go to jail for being poor and unable to pay? This country is the worst.
They can’t send you to jail. They can’t take money from you if you don’t have any. If you’re in Florida, call us ASAP. If not, you’ll need to speak with a lawyer in your state.
Thank you so much for your valuable information on this video. I didn’t had any idea that if you win your lawsuit case the debt collector has to remove the collection from your credit report. Yes!!! They are the ones who always are lying and keep on braking the laws. I have a question. If a consumer gets a collection letter in their mailbox saying “your state number license pending” what that really means? I thought that in every state debt collectors must have a valid license number before pursuing and trying to collect a debt. I thought this is illegal.
IM in GA!. I just got served. They just gave me a complaint summary and exhibits. How should I reply? I don’t remember them sending me a verification letter.
You were talking about paragraph #5 here with the notice of transfer... Can i hypothetical with my summons & complaint reply draft up a motion for discovery requestioning that? And then draft up a supoena request for the proof that they mailed anything if it ever even did? Essentially calling them out on their bullshit by now making them prove it in court and not just hearsay.
Discovery requests are very procedure-sensitive so you need to make sure you deeply understand that procedure before you base your entire case on it. But those are the types of things I’d consider asking for.
@RWlawFL fortunately and unfortunately. Here in Washington State no Lawyers or paralegals are allowed in small claims district courts. So I'm representing myself Pro Se.
I've heard some states are like that. I suppose if you were to find a lawyer in WA they could advise you on how to handle that. But ti also means you're not likely to get the documents you're requesting unless you can move it to a different court.
I recently learned that WA doesn't even allow lawyers in small claims court so I wouldn't even know the first step in how those courts would handle these cases.
If you don’t respond you’ll be paying it one way or another, and not in a good way. If you want to pay, negotiate with the lawyer on the other side to ensure you get all you want. (Watch our Good to Get Sued video)
I was notified yesterday (10/1/24) by a friend that I got a letter from Midland suing me. My friend has been using the PO Box address I have in PA, but I no longer in PA and now live in OH. It says they the plaintiff is the owner of the account by virtue of the assignment of the account. As a result, they now own all the rights, title, and interest in and to the account. Upon information and belief that the defendant entered in a credit account with Capital One for the purpose of purchasing obtaining goods and/or services and/or cash advances. Based on records of behalf of the plaintiff, the last payment posted to the account on April 22, 2022. The account shows that the defendant owes a balance of $3xxx.xx. Notice date 9/11/24 and court date is 10/25/24. They said if I intend to enter a defense, I need to notify them at least 5 days before hearing. Do I have a case?
I’m in FL and a lawyer says they found my case online that LVNV Funding LLC is suing me it’s possible the company sent me info about it but I didn’t get it because my address is different from when the debt originated what should I do if I don’t have any paperwork for the lawsuit? The debt is only about $900
They send letter from courts for Midland credit management, to my old address in Michigan,but I have moved to another state, what should I do in this situation?
One thing I would NOT do is tell them where to find you. But if you’re getting a letter “from the courts” you need to have a lawyer review that right away to tell you how much trouble you’re looking at. What you do next depends on what this “letter” says.
Hi there, thank you for this helpful video. I have responded to a lawsuit from a debt collector regarding my Discover card. The amount asked on the lawsuit is different from the amount I last owed. The summon did not include a statement and the itemized charges including additional fees incurred on exhibit A. It only attached the credit card information disclosure. How do I approach this during trial. When I responded to the summon. The court clerk gave me a court date in July. What do I do next?
if they are suing you for more than you owe, the debt collector is violating the FDCPA and you can counter-sue them. But you probably need a lawyer for that. You need to lawyer up immediately. Do not do this on your own.
I have an LVNV account in collections. I don't want it on my collections, but they haven't sued yet either. What is the best step to take here? Do nothing until they sue?
My husband was sued by Portfolio and a judgment was against him 0n 2016 at the time the complaint was issued he was not living at the property they stay papers were left we find out now about this debt because his checking account t was levy he answered the garnished that he never knew about this debt we have ahearing on 11-14 can you help us
I just received a smalls claims suit. But I didn’t get any statement or anything else with it. Just a form saying midland vs the plaintiff. Is this good that they haven’t attached anything
I have a question about a debt what if they spell your name wrong even by one letter. Since they spelled my name wrong do I have to pay the debt. Since technically it’s not address in my correct name.
You make it sound like it's ok for debt collectors to break the law or take people's money when they have no right to do so. By the way, Midland doesn't provide anyone goods or services, so I sleep pretty well at night.
@@RWlawFL No, they must follow the rules too and I believe it's not advantageous for them to spend the time and money for their employees to pursue something while they violate the laws and can be sued. I think most if not all collection companies are aware and follow the rules. I just sent something to collections and their report to me detailed that they followed the law when contacting the debtor, but the debtor contacted me, threatened me and is following this advice saying they don't owe the money, when they were given documentation of proof! I was researching more information when I ran across your video and I find it lacks complete information on the debt collection process and rights. Most of this seems geared towards utilizing the law to skirt honoring their obligations. If they're that bad off, then file bankruptcy and do it right.
> I think most if not all collection companies are aware and follow the rules. Our review of debt collection practices we've seen, and our track record suing debt collectors, suggests otherwise. > If they're that bad off, then file bankruptcy For most people, that would be a ridiculous choice. When debt collectors break the law, which happens a lot more than you seem to think it does, our method gets better results for the vast majority of people.
Sampling his stuff, he's peddling a lot of the same misinformation as a lot of other people out there, misreading the law, and arguing a lot of stuff that simply doesn't work in the real world. Trust him at your own risk.
![Texas vs. Florida: What to Do When Debt Collectors Attack [Midland, Portfolio, LVNV, Cache LLC]](http://i.ytimg.com/vi/wpo7ruwu9u8/mqdefault.jpg)
![Texas vs. Florida: What to Do When Debt Collectors Attack [Midland, Portfolio, LVNV, Cache LLC]](/img/tr.png)
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Thank you for all you do. Between your videos, the two Johns (Arizona and Alabama), and Brian Parker in Michigan, you all gave me the courage to fight a lawsuit from Cavalry and they eventually agreed to drop it.
What a great result! Congrats.
What is so EFFED up about this lawsuit is that the company is LYING. They never acquired any rights to the debt, only the account , because the debt was sold off beforehand to a securitization! So they bought your account with no debt inside of it because the debt was already sold to investors. That is nuts. Notice there is no mention of debt anywhere in the summons - they have no standing!
When debt collector lie, they are breaking the law. You can sue them, and possibly even wipe out your debt.
Show me the purchase agreement thsts the best defense, SHOW ME THE PURCHASE AGREEMENT 🎉
Sometimes they might even walk away from money if the court orders them to give up the agreement.
Hey guess what aren't they violating the law that says they cannot give any information of your account to a third party or affiliate? That is what they are doing once they hand it over to a debt collector!
Which law do you think they're violating?
Thank you for all your time!!!
You are so welcome!
Great content thanks!!
Glad you liked it!
I don't understand how the bank could legally sell a debt with my name on it. The original contract between myself and the bank has somehow disappeared, I tried calling the bank twice and asked midland multiple times and no one has it. Isn't that pretty crucial??
Usually the original loan agreement allows them to sell the debt. As a practical matter, no one is going to win on that issue unless there’s a failure to prove the sale or assignment.
Regarding the original contract, did you actually sign something or was it an online contract?
I need you guys in Houston right now 😢 god bless you guys
We have lawyer friends in Texas who might be able to help. Call Bill Clanton or Daniel Ciment.
I wanted to ask if its even legal for debt collectors to call me and put fear in me that I could be arrested for a serious crime like fraud or something just for having debt that I can't pay and I thought that I could handle the payments but then I just was getting too much debt. Also I don't know if its legal for them to be calling my brother and my boss about my particular debt issue if they have nothing to do with it and they say that to them there's a legal case being filed against me. They are driving me crazy.
They can’t legally threaten you with arrest. If you’re in Florida, call us today.
If a debt collector threatens you with arrest, they've broken the law in a serious way. You should absolutely give us a call as soon as possible: 352-567-3173
They are expecting you to not answer the lawsuit. In my rural county in Texas, there are tons of these lawsuits filed in the JP courts (small claims) and 95% result in default judgments. When someone does answer, they’ll end up voluntarily non-suiting it most of the time (even against pro se’s if they seem to halfway know what they are doing).
It's true they're looking for low-hanging fruit.
Me too! San Jacinto and I don't have date on my papers when I was served it just says I have 114 days to respond. Hell I was so upset I didn't write it on the calender. I can't find any dockets to see if I missed mine.
Grateful❣️🤗from Cali!
We’re grateful for you too!
Recently I suddenly started receiving letters from lawyers and law firms stating that i'm being sued by Midland, however I have not received any legal documents to my house. How can I fight this case to have it thrown out?
If you're in Florida, call us right away.
At least one good thing if you wanted to go the debt defense rought is that if a creditor sues you and they been constantly harassing you and making threats against you, you could countersue them for violations or pretty much anything that you can claim in court are "damages" and possibly have them owe you money.
Exactly! That's one of the things we frequently talk about on this channel.
Midland credit management sent a chain of title list with the addresses and date of transfer and an email from credit one bank saying they sold my account DIRECTLY TO midland credit management inc…. Is that enough for them to sue or can i still fight that they didn’t attach proof of sale nor does the bill of sale shows my name and account number? Theres like 5 bill of sales copied and pasted… so how could credit one bank SEND me this letter stating they sold my account directly to Midland Credit management if Midland is LAST on the chain of title list?
I'd want to see all the documents - forward flow agreement and/or credit card account purchase agreement especially.
I guess when this happens and a debt collector has a lawsuit against you, you go into a fight or flight mode.
Fight, flight, or freeze-two of those options will destroy you.
Thank you for your video. Its awesome to know someone is willing to give people information. I recieved a court complaint from Midland credit and I am lost for what I am suppose to do I am a single mom in Ca and cant afford them to garnish my wages. What is my next step? If I contact midland and ask for payments will that close the window to later settle for less amount?
I can’t say for sure because I’m in Florida but it looks like a single mom is exempt from wage garnishment in California:
selfhelp.courts.ca.gov/small-claims/after-trial/if-you-cant-pay/respond-wage-garnishment
You’ll probably want to check with a California lawyer to be sure. Call Mike Cardoza www.cardozalawcorp.com/ or Jay Rahimi: www.jrahimilaw.com/
Thank you Sir. You have given me some hope in this situation.
I was sue by a debt collector. I asked for a letter of validation, l didn't get an answer for the debt collector. After more than 90 days a date is set for hearing in January 2025. Now l received a letter from the debt collector with the with cuption MOTION TO DISMISS. Please what advice will you give me
Are they dismissing their case against you? That sounds like it might be good news.
These guys are the BEST !
Thanks!
I know that an account that is "charged off" doesn't mean that the debt is forgiven, but rather it means quite the opposite, that the original creditor simply closed the account and sent it to a debt collector who will continue to harrass you even more. They don't care if you're broke, they just want large amounts of money to just magically appear in your possesion so that you could pay them. Thats what they believe. Also I know that debtor's prisons do actually kindof exist like after a judgment is entered against you and say if they order you to come into court to provide information about your income and assets and you don't come, then you could be put into "debtor's prison" or charged with contempt of court.
Contempt of court, yes, but that's not debtor's prison. And you have to work VERY hard to get thrown in jail for contempt of court.
I am curious if you get a letter from Credit Control yet they are trying to use Chase bank as the one who is sending the information.
If a debt collector is involved, they are the ones you'd send the dispute to.
What should I do,I believe I accidentally threw away a summons so how can I respond to it? Could I request another one?
If you're in Florida, call us right away. In most other states, you should be able to look up your case on the clerk of court website.
I am being sued by NCB management. I am in TN they are trying to take me to court because of a car repo and they want the rest of the money . Is the purchase agreement the same as the bill of sale ? I go to court tomorrow and I’m sick to my stomach. I have been in and out of the hospital as well needing blood transfusions
The bill of sale will usually mention the purchase agreement, sometimes called a forward flow agreement.
For TN, call Alabama Lawyer John Watts. He can steer you in the right direction.
I wonder what the chance is that you would go to jail if you lose in a debt collector lawsuit.
Zero. Unless you deliberately and flagrantly committed contempt of court (I once watched a person get arrested for dropping an F-bomb AT the judge in open court) we don't have debtor's prison here in the US.
I don't know, even if a creditor sued me and got a judgment against me, if I have no possible way to pay the debt, that judgment isn't going to just magically turn into all the money whatever they claim I owe them.
Depending on your state law, they may be able to:
1. Garnish up to 25% of your paycheck
2. Seize your bank accounts
3. Seize and sell any vehicle you own
4. Seize personal property.
"I don't have money" isn't a defense, it's a guilty plea.
Im in Ohio, but im being sued and I havent received any mail regarding this. Only way I know was a debt relief agency from another city sent me some text messages. No idea what I should do
In Ohio, call attorney Marc Dann
I was able to prove to the court that collection amount was not what i had record of and it was dismissed. Was that enough for me to counterclaim the action upon me to the judge and or the court in a follow up suit? Thx
If the suit was already dismissed, it's too late to file a counterclaim (unless your state has very unusual rules)
You might be able to file a separate lawsuit against the debt collector, but there's a very short time limit (one year)
I recently disputed a collection and it was removed only on Experian. What do i do next
Check out this video: th-cam.com/video/kiVvLizNIjs/w-d-xo.html
I have a few accounts taken over by these psychos now and likely not going to be able to pay. If they sue me and I have no money to pay what happens? I know I’ll be hit with court fees too, so what if I can’t pay that? Can I go to jail for being poor and unable to pay? This country is the worst.
They can’t send you to jail. They can’t take money from you if you don’t have any.
If you’re in Florida, call us ASAP. If not, you’ll need to speak with a lawyer in your state.
Thank you so much for your valuable information on this video. I didn’t had any idea that if you win your lawsuit case the debt collector has to remove the collection from your credit report. Yes!!! They are the ones who always are lying and keep on braking the laws. I have a question. If a consumer gets a collection letter in their mailbox saying “your state number license pending” what that really means? I thought that in every state debt collectors must have a valid license number before pursuing and trying to collect a debt. I thought this is illegal.
I've never seen that before. If you're in Florida, give us a call.
IM in GA!. I just got served. They just gave me a complaint summary and exhibits. How should I reply? I don’t remember them sending me a verification letter.
Every state has different rules about what response is required. I’m not a GA lawyer so I couldn’t begin to tell you.
Can you give me some advice for a case in NC ?
Unfortunately, we're only licensed in Florida.
My wife received a lawsuit from an actual credit card Co. Not from a debt collection agency.
Most of what we say on this channel doesn’t apply to lawsuits by original creditors.
@RWlawFL OK, thanks
You were talking about paragraph #5 here with the notice of transfer...
Can i hypothetical with my summons & complaint reply draft up a motion for discovery requestioning that? And then draft up a supoena request for the proof that they mailed anything if it ever even did? Essentially calling them out on their bullshit by now making them prove it in court and not just hearsay.
Discovery requests are very procedure-sensitive so you need to make sure you deeply understand that procedure before you base your entire case on it.
But those are the types of things I’d consider asking for.
@RWlawFL fortunately and unfortunately. Here in Washington State no Lawyers or paralegals are allowed in small claims district courts. So I'm representing myself Pro Se.
I've heard some states are like that. I suppose if you were to find a lawyer in WA they could advise you on how to handle that.
But ti also means you're not likely to get the documents you're requesting unless you can move it to a different court.
I need help with this in WA state
I recently learned that WA doesn't even allow lawyers in small claims court so I wouldn't even know the first step in how those courts would handle these cases.
Can you do the same with Capital one? In NY?
Unfortunately, probably not. I'm not licensed in NY and don't know how NY treats these things differently.
My husband was sued recently. Do we need to file a response if we plan on paying it?
If you don’t respond you’ll be paying it one way or another, and not in a good way.
If you want to pay, negotiate with the lawyer on the other side to ensure you get all you want. (Watch our Good to Get Sued video)
I was notified yesterday (10/1/24) by a friend that I got a letter from Midland suing me. My friend has been using the PO Box address I have in PA, but I no longer in PA and now live in OH. It says they the plaintiff is the owner of the account by virtue of the assignment of the account. As a result, they now own all the rights, title, and interest in and to the account. Upon information and belief that the defendant entered in a credit account with Capital One for the purpose of purchasing obtaining goods and/or services and/or cash advances. Based on records of behalf of the plaintiff, the last payment posted to the account on April 22, 2022. The account shows that the defendant owes a balance of $3xxx.xx.
Notice date 9/11/24 and court date is 10/25/24.
They said if I intend to enter a defense, I need to notify them at least 5 days before hearing.
Do I have a case?
If they sued you in a state you no longer live in, that’s a violation of federal law. In Ohio, call Marc Dan’s law firm to help.
@@RWlawFL thank you so much
I’m in FL and a lawyer says they found my case online that LVNV Funding LLC is suing me it’s possible the company sent me info about it but I didn’t get it because my address is different from when the debt originated what should I do if I don’t have any paperwork for the lawsuit? The debt is only about $900
Please call us today. 352-567-3173
They send letter from courts for Midland credit management, to my old address in Michigan,but I have moved to another state, what should I do in this situation?
One thing I would NOT do is tell them where to find you.
But if you’re getting a letter “from the courts” you need to have a lawyer review that right away to tell you how much trouble you’re looking at.
What you do next depends on what this “letter” says.
@
Ok. Thank you so much
Do you have videos to help with MCA loan defaults?
No. We only handle consumer law, not business law.
Just spoke to Daniel Ciment & is taking my case please tell me I made the right decision
I think Daniel is a good lawyer and I send people to him on a regular basis for that reason.
Hi there, thank you for this helpful video. I have responded to a lawsuit from a debt collector regarding my Discover card. The amount asked on the lawsuit is different from the amount I last owed. The summon did not include a statement and the itemized charges including additional fees incurred on exhibit A. It only attached the credit card information disclosure. How do I approach this during trial. When I responded to the summon. The court clerk gave me a court date in July. What do I do next?
if they are suing you for more than you owe, the debt collector is violating the FDCPA and you can counter-sue them. But you probably need a lawyer for that.
You need to lawyer up immediately. Do not do this on your own.
What if they misspelled your name wrong in all the papers
Is it if it's just a misspelling, not a big deal. If they are trying to sue somebody who's not you, big deal.
I just receive 2 court cases 😱 what should I do?
If you're in Florida, call us right away. If you're in another state, look for a lawyer who handles "debt defense" or "FDCPA" cases in your state.
I have an LVNV account in collections. I don't want it on my collections, but they haven't sued yet either. What is the best step to take here? Do nothing until they sue?
Check out this video:
Remove COLLECTIONS from your credit report: FREE and 100% LEGAL
th-cam.com/video/kiVvLizNIjs/w-d-xo.html
My husband was sued by Portfolio and a judgment was against him 0n 2016 at the time the complaint was issued he was not living at the property they stay papers were left we find out now about this debt because his checking account t was levy he answered the garnished that he never knew about this debt we have ahearing on 11-14 can you help us
Just seeing this now. If you’re in Florida, give us a call at 352-567-3173
Do you guys help people in Indiana?
In Indiana, call Chicago law firm Hyslip Legal.
I just received a smalls claims suit. But I didn’t get any statement or anything else with it. Just a form saying midland vs the plaintiff. Is this good that they haven’t attached anything
Every state is different. In Florida, we'd probably get this dismissed quickly.
How can I get help .I just got served today for a law suit with midland credit thank you
If you’re in Florida, call us right away.
Hypothetically, How much would you expect to get from a debt collector if you sued them?
For small violations, up to $1,000. For more serious violations, it could be higher, depending on your damages.
I have a question about a debt what if they spell your name wrong even by one letter. Since they spelled my name wrong do I have to pay the debt. Since technically it’s not address in my correct name.
A mere misspelling like that probably isn't a defense to payment unless they genuinely have the wrong person.
You make it sound like it's OK to default on their obligations for which they received goods and or services!
You make it sound like it's ok for debt collectors to break the law or take people's money when they have no right to do so.
By the way, Midland doesn't provide anyone goods or services, so I sleep pretty well at night.
@@RWlawFL No, they must follow the rules too and I believe it's not advantageous for them to spend the time and money for their employees to pursue something while they violate the laws and can be sued. I think most if not all collection companies are aware and follow the rules. I just sent something to collections and their report to me detailed that they followed the law when contacting the debtor, but the debtor contacted me, threatened me and is following this advice saying they don't owe the money, when they were given documentation of proof! I was researching more information when I ran across your video and I find it lacks complete information on the debt collection process and rights. Most of this seems geared towards utilizing the law to skirt honoring their obligations. If they're that bad off, then file bankruptcy and do it right.
> I think most if not all collection companies are aware and follow the rules.
Our review of debt collection practices we've seen, and our track record suing debt collectors, suggests otherwise.
> If they're that bad off, then file bankruptcy
For most people, that would be a ridiculous choice. When debt collectors break the law, which happens a lot more than you seem to think it does, our method gets better results for the vast majority of people.
Brandon Joe Williams can explain and tell you exactly what to do using Universal contract law ( UCC )... learn the truth... he's on youtube.
Sampling his stuff, he's peddling a lot of the same misinformation as a lot of other people out there, misreading the law, and arguing a lot of stuff that simply doesn't work in the real world. Trust him at your own risk.
Please do mine
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