PDF Download , by Sheila Munoz
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, by Sheila Munoz
PDF Download , by Sheila Munoz
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Product details
File Size: 9025 KB
Print Length: 214 pages
Publisher: Sheila Munoz; 1 edition (April 17, 2012)
Publication Date: April 17, 2012
Sold by: Amazon Digital Services LLC
Language: English
ASIN: B006YXEMKQ
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Amazon Best Sellers Rank:
#970,635 Paid in Kindle Store (See Top 100 Paid in Kindle Store)
Great place to start if you're facing a 'junk debt buyer' lawsuit.Not nearly all inclusive, but if you wanted that, I suppose you'd go to law school.I found it very helpful as a framework from which I could search for more information- much of it online.It also made it easier to have intelligent conversations with lawyers about my predicament. When I was initially served, I quickly discovered there were not a lot of lawyers who were willing to deal with debtors, especially on debts of a relatively small amount.This book, paired with a good online search engine, gave me the basics on moving thru the wonderful world of defending myself in civil court (on several occasions).A few things I learned:1. Junk debt buying/selling is a huge industry, and there are numerous opinions/commentaries out there on the fundamental fraudulent nature of this business. But, there seems to be no real action against it, because all the 'money' is on the creditor side.2. JDB (junk debt buyer) claims at this level seem to be completely dependent on the judge. Hope you get a 'debtor-friendly' judge, otherwise all the arguments Ms. Munoz covers in the book are right out the window.3. Being sued by an 'assignee' (i.e. JBD), is completely different than getting sued by the primary creditor (i.e. issuing bank). If it's the primary suing you, 'beating it' is not at all likely.4. This legal arena is madness. Nothing makes sense. It's not "People's Court" or even small claims court between two people pro se, where a simple question has a simple answer.It's like the movie "The Paper Chase" (the original), where the Harvard students are talking about Kingsfield's 'contract law' class, and how impossible it is. That's the sort of thing I found with this legal arena. Nothing is simple, nothing makes sense. A simple questions like; how can you sue someone for 'breach of contract', and not attach or have possession of 'the contract'? Pretty simple question, right? Wrong- and the book (thru no fault of its own, again it would take a law textbook to cover everything) is pretty short on giving the reader a 'heads up' on little legal foibles like that.It's too bad our congressmen don't stand up for the people against JDB's and pass some common-sense protections but, like I said, it appears to be a cottage industry for a lot of players, and money talks.Good luck.
I read and thoroughly understood each point the author was making.When one is sued, or is under the threat of a lawsuit the most normal reaction is panic.If one has the funds they may hire a consumer attorney to handle things for themselves, but more often or notthey head for the computer to research and put in hoursof study to see how they should handle things for themselves.What the author has provided here is the basic understanding of what the terms are and their definitions that one needs to know to handle things for themselves, and examples of what wasdone by herself that can be a guide line of what was expected for her case, that will be a great tool/template of sorts for the novice pro se to study.I give this book a 5 star rating.
This book is written by a lay person who defended herself in court and won. It is not for everyone because she had toput her life on hold in order to learn all about the court process but she did and she won. She supplied actual documentsand detailed descriptions of all the legal terminology and how she responded, also in detail. Very well written, easy to understandand is a whole course in legal defense in simple language, very helpful if someone wants to defend themselves pro se.
The author give a step-by-step account of her experience getting sued by Asset Acceptance, a Junk Debt Buyer.If you think you may be sued by any one of many JDB companies in the future get this book. Read it and start get ready.This book will give a great boost to your confidence that you can actually fight these companies and win.
By far the best book on this subject I have seen so far, especially if you live in Florida, where the author does. I am going through a lawsuit for credit card debt right now. I ordered several books and this is the one I am mainly using. It goes through her case from beginning until the end and provides a perfect template for your individual plan of fighting these JDB's......
She did a great job helping me understand the ordeal.
this is a good 1st. look into the sleazy world of the junk debt buyers (JDB's).and their tactics.if you need to deal with these debt collectors you will need to get other credit repair books on the in's and out'sof the subject of credit repair. at the same time you can still draw on this book while dealing with the J.D.B's.it will add to the knowledge that you will need if your going the do it yourself credit repair route.. .
I bought this book to find some help defending a lawsuit filed against me by a Junk Debt Buyer. Much of the information it contains can be found online for free, something I discovered after spending $9.99 for it. The worst part though is that the author teases you throughout the book with a 120 page Appendix that you must request via e-mail and she will send it to you immediatly. The Appendix is the meat of the book becuse it contains all the court documents from the case so you can see how it works since you are obviously not a lawyer and are trying to file Pro Se. I sent the e-mail and the address is bogus, it came back as undeliverable, twice. Then I looked around and found her on Facebook and sent a message there...nothing. I feel ripped off and would like the author to send me the Appendix or I will be looking for a refund. If the remainder of the book shows up it might actually be helpful, otherwise don't waste your money.
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