Sued by a Collection Agency

Have you been served by a Collection Agency?

Most people who are served a Collection Lawsuit jump to find out information on how to answer their credit card summons right away.

I totally agree with the fact that you need to answer your credit card summons there is no doubt about that. But what about the actual complaint?

Did you read the complaint and throw it aside? Does it have errors? Did they do everything by the book? Most likely not. But if you don’t know what to look for you can screw yourself over by missing those mistakes and answering without the proper knowledge.

The first thing you need to do when you get served by a collection agency is go over your complaint and find the errors that they make and they are KNOWN for errors.

If the complaint checks out 100% then you go with answering your summons. After answering your summons are you educated on the rest of the garbage they get away with using?

Not knowing what to look for even answering your summons can cost you your case! Learn them!

If they have errors you could quite possibly answer your summons with a Motion to Dismiss instead are you aware of that? Some states allow that.

Most states require certain documents to be attached along with the Pleadings. If they are not, and you don’t motion the court, they aren’t going to tell you. They are going to let the lawsuit continue. Because you are uneducated about the facts.

I am telling you 9 out of 10 people who visit this site have a Complaint in front of them that has grounds for dismissal.

Collection Agencies have a tendency to copy the same documents over and over and over again. Leaving you not a person, just a number. Although, you are scared right now you just got sued the chances of you winning that lawsuit are great. Seeing they just make copies over and over to different people that leaves a lot of errors open to Lawsuit Dismissals.

Most of these agencies do not have the documentation to back up their court case. They need to prove many things in court to win. Do you want to know what those things are?

Collection agencies make a lot of errors when filing lawsuits. Do you want to know what those errors are?

I know how they screw up, I know what to look for. I know how to get my cases dismissed because of there so called “proof” do you? Just because they say so doesn’t make it true.

So here’s the deal I am sick of these guys making people lose their cases with their so called “proof” so I have created an instant download booklet for all of you who are being sued by Collection Agencies.

This booklet is good for people who are about to be served, have been served, or are in the middle of a credit card lawsuit.

This booklet will not show you how to answer your summons it will educate you on their screw ups and what to look for in your own complaint. It will educate you on what to look for in your complaint to see if it can be dismissed then and there. It will educate you on their affidavits to get them thrown out, it will educate you on how they like to list the Original Creditor as the plaintiff, it will educate you and so much more garbage they screw up because they don’t care. What about the amount? Don’t you think the amount they are suing you for is 5x higher than your original credit limit?

Do you know anything about the actual lawsuit? Or did you just get served and want to answer. Don’t you want to know the reasons on how you can win?

Know what proof they need to prove their case!

No proof, they have no lawsuit. They don’t expect you to answer your summons. But they DO NOT want you to see this booklet listing their most known screw ups! Educate yourself before you answer the complaint.

Educate yourself on how to scan over the Complaint to make sure everything is perfect by the Plaintiff before you Answer your Summons. Let’s say there are errors on the complaint and you do not know about them. Missing those errors, and answering the complaint, instead of motioning the court about those errors can make you lose your case.

Don’t you want to make sure that the Plaintiff did everything right so that you can answer that summons? Wouldn’t it stink if you missed an error and could have had that case dismissed instead? People do that, if you lack knowledge on Agencies’ errors. I did that with my first case. It could have been dismissed, but I hurried up and answered my summons. I didn’t look at it for errors.

Learn about what these unethical companies do wrong! Don’t just answer the summons make sure they have the complaint perfected, and the proof lined up or get it thrown out of court!

Why answer something you might not have to answer? You may be able to file a motion to dismiss instead of wasting your time answering if your local court rules allow it. Granted by the judge that’ll give them 30 days to amend the complaint. 31 days pass? File a motion to dismiss with prejudice, bye bye lawsuit.

People lack knowledge when it comes to scanning over their summons for errors. They rush to answer it. You need to take your time and learn what these scumbags do wrong. You may have grounds for dismissal already and don’t even know it.

So before you Answer your Credit Card Summons and you MUST Answer that Credit Card Summons to avoid a default judgment make sure you are educated on what proof is needed by the Plaintiff to win their case against you. A simple lawsuit is not proof enough.

So basically this 14 page pamphlet is going to show you how to read that complaint and look for their errors to see if you can get the case dismissed. And if that complaint is good it will teach you what not to accept as their “proof” and what proof you need to ask from them and it is required proof in order for them to LOSE.

There are tactics these companies use and think they can get away with it. And I am sharing them with you so that you win this case and know what to look for.


thank you,


Homestead Exemptions and Collection Lawsuits

Make sure that if you are sued by a Creditor that you notify your court of your Exemptions!!

Some states will automatically apply certain exemptions when a judgment is made against you and others have forms you can fill out. Some states make you send copies of your Exemptions and must notify the court or lose those exemptions!

Check your County Homestead exemptions, make sure you have them and USE THEM! Why have a lien against your home if you can exempt the money owed??

It is mandatory for you to check what your exemptions are and if you are married and are being sued solely not jointly check and see if your state recognizes Tenancy of the Entirety.

Tenancy by the Entirety

Do you live in Arkansas, Delaware, District of Columbia, Florida, Hawaii, Illinois, Indiana, Kentucky, Maryland, Massachusetts, Michigan, Mississippi, Missouri, New Jersey, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, Tennessee, Vermont, Virginia, or Wyoming??

Did you know if you lived in any of the above States and own a home and have your name and spouses name on the deed that your home might be exempt from liens and further collection activities? UNLESS the collection agency is after both spouses for joint accounts?

Check your States Tenancy of the Entirety Laws in regards to what rights debtors have while owning a home as Tenants of the Entirety!

This is great for married couples who want to become judgment free.

A friend of mine lives in Indiana which recognizes Tenancy by the Entirety.

She was having a hard time paying her bills and wanted to protect her home so she got a copy of her Warranty Deed which stated her and her husband’s names on it purchased while married which established Tenancy of the Entirety in Indiana. In Indiana, Creditors cannot force the sale of Real Estate nor put a lien on a home which is owned by Tenants of the Entirety.

She closed her joint bank account, had her husband open one by himself. She has no job therefore, just became judgment proof.

Tenants by the Entirety: States which allow married couples to hold the title to a property. In order for one spouse to modify his or her interest in the property in any way, the consent of both spouses is required by tenants by entirety. It also provides that when one spouse passes away, the surviving spouse gains full ownership of the property.

Tenancy by the Entirety States
In states that recognize property ownership in the form of tenancy by the entireties, a judgment lien normally does not attach to jointly-owned real property at all. The only exception to this is if the creditor also took a judgment against both of you.

What is a tenancy by the entirety? With tenancy by the entirety, you and your spouse have full rights to each other’s property. This special type of property ownership is usually only available to legally married couples. So, if you own real estate jointly with another person who is not your legal spouse, a judgment lien against the other owner may still attach to that property.
Many states allow ownership by tenancy by the entireties, although there may be some limitations on this right. You should research the laws of your state to determine if this right is available to you.

We wanted people to be aware of their Exemptions against these slime ball companies!