This document is on pleading paper and is filed with courts and mailed Certified, Return Receipt to the Plantiff (the creditor who is suing you). 

This is essentially notifying all interested parties that you are an active participant in the lawsuit, that your address is correct or has been corrected, that you will be representing yourself (Pro Se) and that all further documentation and/or notifications regarding your case must be mailed to you at an address that you designate.

3A.  Pro Se ANSWER TO COMPLAINT, AFFIRMATIVE DEFENSES

This document is your weapon. 

This is the ANSWER to their Complaint. 

First, you must respond to all paragraphs listed in the complaint you received when you were served. 

You must either affirm, deny, or lack knowledge about each paragraph. 

My E-Letter and this document will give you examples and walk you through this step.

After you have "Answered" their allegations, we in turn assert our AFFIRMATIVE DEFENSES to their claims. 

I have included 13 affirmative defenses in this document.  

Most of these defenses should be suitable for any type of credit card debt case, some of the defenses only apply if you are being sued by a third party debt collector (which is typically the case, - third-party means that the original credit issuer is not suing you, a collection agency or junk debt buyer is). 

This document is formatted as such that anywhere that you need to fill in your personal information (case #, State, Name, etc.) I have yellow highlighted those areas. 

Just fill in your details and remove the highlight. 

Underneath each stated defense is a yellow highlighted note which aids you in deciphering whether or not that defense applies to your particular case.  If it does not apply, just delete the paragraph.  If it does apply, simply delete the yellow highlighted portion.  Once you have reviewed it, simply PRINT and you are ready to file your documents!

3B.  STATUTE OF LIMITATIONS ON DEBT by STATE

Note:  One of the defenses that I've asserted in the ANSWER is the Statute of Limitations defense.  This is very strong since many of these JDB's purchase out-of-statute debt with the idea that most consumers aren't aware of the statutes.  If you are certain that your debt is within statutes then simply delete that defense from your document.  If not....

Here's the deal.....

I will provide you with a PDF list of the statute of limitations on open, written, and oral debt for your state. 

There has been some confusion over whether credit card debt is considered open or written debt as the statutes on each type of debt are drastically different.

Open-ended Accounts: These are revolving lines of credit with varying balances. The best example is a credit card account. Please note: a credit card is ALWAYS an open account. This is established under the Truth-in-Lending Act:

TITLE 15 > CHAPTER 41 > SUBCHAPTER I > Part A > § 1602
§ 1602. Definitions and rules of construction(i) The term “open end credit plan” means a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan which is an open end credit plan within the meaning of the preceding sentence is an open end credit plan even if credit information is verified from time to time.

4.  CERTIFICATE OF SERVICE

This document is filed with the court and mailed to the Plaintiff, it simply states that you have filed your Notice of Appearance and Answer, Affirmative Defenses with the court and that copies of said documents have been mailed Certified, Return Receipt to the Plaintiff.

5.  DECLARATION OF EXEMPT INCOME & ASSETS

This document is for those individuals who have assets or income that is exempt from garnishment.  Examples of such income would be social security or disability income.  See the document for the full list.

6.  DISCOVERY:  RESPONSE TO INTERROGATORIES 

This entdiscovery document includes Instructions for Answering Interrogatories along with the Response to Interrogatories document that allows for 15 responses w/ an extra page built in if you need to add more.

7.   DISCOVERY:  REQUEST FOR PRODUCTION OF DOCUMENTS

This discovery document includes requests for 17 items of documentation for the Plaintiff to back up their lawsuit claims.  Examples of a production requests would be, "#4, A contract, agreement, assignment or other means of demonstrating that (Plaintiff) has the authority and capacity , and was legally entitled to collect on the alleged debt from (Original Creditor).

8.  BLANK 28 LINED PLEADING PAPER IN WORD

This is a blank 28 lined pleading paper document for additional pages or additional documents should the need arise.

9.  CEASE AND DESIST LETTER

This is the letter that bars the collector's from phoning you at home or work AND bars them from contacting your employer, neighbors, family and friends.  This document instructs them to communicate with you by written correspondence only at an address that you designate.

If they do violate this request (which most won't) you can turn the tables on them and sue for $1,000 for each infraction as they will be in violation of the Fair Debt Collection Practices Act, Section 1292(c)......so if you do get a phone call after you've sent this letter (Certified, Return Receipt of course!) please keep a log for reference.

10.  EXAMPLE OF A RECENT DEBT LAWSUIT or
WHAT TO EXPECT IF YOU END UP IN THE COURTROOM

This document divulges the details of a recent credit card debt lawsuit that went to trial. 

I reveal what was said, what questions were asked and how a favorable verdict for the Defendant was reached.

11.  PRIORITIZATION OF DEBT - WHO TO PAY FIRST?

This document is a must-read for anyone struggling to pay ALL of the bills each month.  It explains your legal obligations on various types of debt and budget items.  If a debt must be defaulted upon in order to put food on the table, this document will reveal what kind of impact the default will have and what recourses are available to the creditor and the debtor.


You'll Receive 22 Documents In All! 


A consultation with a lawyer will generally cost you a minimum of $250-$300 (unless you qualify for legal aid) and frankly, you may get bad advice unless you can specifically locate a lawyer who specializes in consumer debt practices. 

I found one company on the web that will draft an Answer.  They charge $150 plus $20-$30 in Fedex fees, PLUS an undisclosed expedite fee if you need your documents within 10 days...which you will need!  That's alot of money.

I am not a lawyer, nor do I claim to have any particular expertise in this area. 

I'm just an average person who decided to do my homework on this issue and try to save myself $5,000K! 

It worked for me and I believe that it can work for you!

Within minutes, you can get started on fighting your lawsuit with my Complete E-DOCUMENT Package for only $37!

It would cost you half that in gas just to get to the library! 

I'm including 3 AWESOME BONUSES that you will help get your credit back on track and clean up your credit report. 

You'll receive:

Bonus #1:  5 Sample Dispute Letters to Creditors & Credit Reporting Agencies, Plus a Settlement Letter!

Bonus #2: IMPROVE YOUR CREDIT SCORE IN 24 HRS EBOOK!

(*) Three new techniques to improve your score in 24 hours

(*) Unpublished phone & fax numbers for Equifax, Experian, & Transunion for quicker results!

(*) A little known timing trick that will improve your credit score 15-30 points each month.

(*) What the credit bureaus don't tell you...

(*) How to avoid a lender inadvertently "pulling" a lower score

(*) The 5 elements that determine your credit scores and how to leverage them to your advantage

(*) A full credit "game plan" to put your credit on the right track!

AND....IF YOU ORDER TODAY, I WILL ALSO INCLUDE:

BONUS #3:  101 TIPS & STRATEGIES TO LEGALLY IMPROVE YOUR CREDIT SCORE!#3:  101 TIPS & STRATEGIES TO UNDERSTAND & IMPROVE YOUR CREDIT E-BOOK

AGAIN, ALL THIS FOR ONLY $37!

                                       

Click the BUY NOW button for Instant Access through PayPal. 

If you don't have a PayPal account, it's easy to sign up for and make a secure payment using your VISA, Mastercard, or electronic check.

It doesn't matter if it's 2am!
 
Your Complete E-Document Package will be instantly downloadable following purchase.

Imagine your RELIEF when you can Stop Researching and Start Answering your lawsuit and filing your documents on time with the Court!

Procrastination will only lead to a default judgement. 

Get Started NOW and you can be Filing at the Courthouse Tomorrow....

                                     

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