SUED BY A DEBT COLLECTOR?  READ THIS TO LEARN SECRETS DEBT COLLECTORS DON’T WANT YOU TO KNOW WHEN THEY SUE YOU!

HOW DID I GET SUED?

You have been sued by a debt collector – also known as a debt buyer – because the debt collector alleges that you owe the debt collector money for some old debt.

It is critical to know that alleging something is different than proving it!

My name is John Watts and my law firm (Watts Law Group, PC) has defended dozens of Alabama consumers who have been sued by debt collectors.  There are several important, yet simple, things that you need to understand and do or you will almost certainly end up paying money to a debt collector that you may not owe.  I have prepared this website to help you understand your options and to make available our famous “Five Secrets Debt Buyers Who Sue Don’t Want You To Know About” which many consumers and lawyers have used to help better understand these debt collection lawsuits.

You can receive this free report by filling out this form:

I’m tired of seeing consumers in Alabama pay money they do not owe to companies who do not have the evidence to win in court.  I hope this website and the free report on debt collection lawsuit secrets helps you.

Keep reading to learn more about the debt collection lawsuit process and how to best help yourself….

WHAT DOES THE DEBT COLLECTOR HAVE TO PROVE?

The debt collector has sued you so the debt collector bears the burden of proving its case against you.  Simply put, the debt collector has to prove that you owe a debt and that the debt collector owns the debt that you owe.

Putting aside any defense you might have even if you owe a debt that the debt collector owns, here is a way to look at these two requirements:

• Debt collector proves you owe a debt but does not prove the debt collector owns the debt = you win;
• Debt collector proves it owns the debt but does not prove you owe the debt = you win; and
• Debt collector proves it owns the debt that you owe = you lose.

OF COURSE THE DEBT COLLECTOR OWNS THE DEBT, RIGHT?

This is one of the dirty little secrets in the debt collection industry.  You would assume that the debt collector owns the debt but this is often not true.  So many transactions take place between credit card companies and debt collectors and debt buyers that often they don’t know who owns the debt.

The reason we know that they often don’t know is they come into court and have no proof of ownership of the debt.  If they knew they owned it, then they would prove it.  Pretty simple.

So these collectors will try and get you to speculate that the debt collector owns the debt.  Don’t speculate!  We describe this in more detail in our free report on the “Seven Mistakes In Testifying That Can Cause You To Lose Your Debt Collection Lawsuit” which we send to people who request our Five Secrets report.

BUT IF I OWE A DEBT ON AN OLD CREDIT CARD, DOES IT REALLY MATTER WHO OWNS IT?

Yes!  It doesn’t matter that you owe someone, what matters is if you owe the plaintiff that sued you.

Think of it this way – if you owe a mortgage payment to the bank, why don’t you send that money to me?  I’ll take it.  The reason is that you don’t owe me.  But what if I say “But you owe someone so you should pay me!” – you would respond “But I don’t owe you.”

OK – I UNDERSTAND ABOUT MAKING THE COLLECTOR PROVE IT OWNS THE DEBT – WHAT IS THE FIRST STEP?

Really there are several things that count as the “first step” in your situation.  You must make sure you do not allow a default judgment to be entered against you.  I discuss this in the video below:

The other critical thing to do (and if you have time do this before filing an answer) is to gain knowledge to know what the debt collector secrets are so you can give yourself the best chance possible to win your case.  You can fill out the form below to receive our free report and other valuable information that can help you in your fight against the debt buyer who has sued you.

WHAT DO I DO IN ORDER TO LEARN MORE ABOUT HOW TO PROTECT MYSELF FROM THIS COLLECTOR LAWSUIT?

You can call us at 205-879-2447 to talk to us or to receive the free report or fill out the form above to receive the free report.  Read over this report and the other resources that we will send to you and then set up an appointment with us to go over your rights and options.

We wish you all the best and remember you have options and you have rights in your court case.  Educate yourself and best of success to you.

John G. Watts