8662043786

I have beaten Capital One, LVNV Funding & Red Rock Lake Financial. And YES Capital One was the Original Creditor Suing me.

You see most of the Plaintiffs in these cases do not have the proper documentation to prevail in a court of law & they hope you simply don’t answer your summons so that they can get a default judgment.

If you answer your summons the chances that the suit will be dismissed are awesome. And as I have stated on this site hundreds of times over if the case doesn’t get dismissed right away with your answer the Plaintiff is simply fishing for Discovery hoping you screw that up and they get a Summary Judgment.

These tactics used by Junk Debt Buyers are not very sneaky at all. Just from me dealing with them I figured this out:

1. The first thing they want is for you NOT to Answer Your Summons so that they can get a Default Judgment against you which gives them the legal right to freeze your bank account, garnish your wages etc.,

2. For people who Answer Their Summons most will dismiss the case however, there are many more out there who proceed onto Discovery. Once they see that you have filed your Answer they will send you Discovery hoping you mess that up with the Trick Questions that they have included.

3. For people who Answered all their Discovery correctly I guarantee they won’t answer your discovery and if they do it will not be timely and it will contain all the same answers which are: Client Attorney Privilege.

You see they use the SAME Discovery over and over and over again and send it to EVERY SINGLE person they are suing. Mind you they are suing THOUSANDS of people and are bound to screw most of the cases up.

When they file a lawsuit against you, you are just a number to them. Either you are going into the “Answered Summons Pile” or you are going into the “Default Judgment Pile”.

They hope the Default Judgment Pile is higher than the Answered Summons pile and the sad thing is that the Default Judgment Pile is a STACK and the Answered Summons Pile is a few papers.

You want to get into the Few Papers Stack the one where you answered the summons because then you just become ignored, dismissed or simply dropped. They don’t like people like you who have took the time to educate yourself on your Court Rules and use them to beat these a–holes at their own game. And they ARE A–HOLES.

Like I have said after you Answer Your Summons when they receive your copy they’ll throw it in a stack and get back to it. Once they get back to it they’ll review it and see what you got basically. If you seem to be a pain in their ass they’ll just either ignore the rest of the Case or Dismiss it.

The Companies who have alot of time on their hands will sit back and laugh and say ok let’s see what this guys got send him off Discovery. Now again, like I just said this is the SAME Discovery that they send off to EVERY SINGLE PERSON they are suing. Just look at their questions they don’t even make sense half the time. That is because these attorneys are not taking over 5 minute of drafting new questions for you they are simply copying discovery after discovery using the same ones over and over again.

You are nothing special to them. If you didn’t purchase our package you would spend about a week or more with about 4-5 hours a day drawing up your own Discovery to send to them and if you think these guys are doing the same for you FORGET IT. Again, you are just a number to them they simply grab their copy of Interrogatories, Request for Docs and Request to Admit Facts and run them through the copy machine and send them off.

They hope you don’t answer your Request to Admit Facts TIMELY because that is the most important part of Discovery. Each court gives you so many days to complete those Admissions and if they are not filed within that time allowed they will be deemed admitted. These guys are hoping you are not aware of that so that you do not send those off FIRST and Timely so they can file a Summary Judgment Against you.

So can you beat your lawsuit?

You bet your sweet ass you can. They don’t have any documentation, they hardly ever can prove a just and true Assignment & they go for Default Judgments and Summary Judgments to win hoping you are too dumb to answer your summons.

How Can you Beat a Credit Card Lawsuit? The answer my friends is simple. Answer your summons and Answer all Discovery Timely and this thing will FADE away. They don’t want to waste time on you because you are MAKING THEM WORK for their Money they want the people who are too dumb not to answer their Summons so they can collect major bucks off of them with their Default Judgment.

They called my house in reference to a credit card money I own. I do not
have any  problem paying them except they are not the original creditors  
and I only work part time and trying to support me and my kids since my
divorce. I had a lot of credit that I have paid but over 9,000.00 slowly
but surely in the last five years.  Remember you can not get blood from
a stone.

called looking for daughter. also called relatvies who have not seen or spoke to her in years saying that had their numbers as the main contract. I had an unlisted number.  How are they getting this information.  I told them i was filing a legel complaint against them.

They called my house several times, on the last call from the Law office of Sidney Mickellt, my daughter picked up. She is a child but has a adult voice, the caller (noname) said have your mother call me back or she is going to jail! My daughter is terrified, and she said she heard them laugh and then heard one say [***]...What is happening here?!  reminds me of what life was like in the old Soviet Union....

keep calling and trying to get more personal information from me.

I'm so glad i checked out this number first! A guy named Ed Shams from the law offices of cindy michaels received my resume and wanted to know if i was still interested in the position i applied for....stated that they are conducting interviews and left the 866 #...Yeah right....First of all he clearly sounded like a collector and didnt specify what position and Secondly I havent applied anywhere...i dont owe anybody...I love his efforts...he almost got away with it. Thanks eveyone!

These scummy people harass everybody and even come at your door....Call the police right away run after them get their car license and call the police
Their numbers are 866-204-3786 or 909-568-0750

Also 877-422-1761 Home Retention Inc....will say they are calling on behalf of Bank of America and will ask for your home loan number and your social security number......just hang up and report them to police right away....another scummy company

I'm tired of receiving calls from Attorney office of Sidney Michael. I called them leaving a message to stop calling me. Withing weeks they still do it. They call me regarding a Czech girl I believe who's name is Nadia.

Today I got msg from Ms. Gonzalez. She left msg that she is calling from home retention center. She left number to call: 877-422-1761.Who are they?

Yes, People do owe there debt, but remember the economy PLAYS a large role in this matter
millions of Americans are out of work or have had there hours cut back. So it has nothing to do
with not paying it has to do with not having a enough money to pay your bills. and taking care
of paying your rent and electric and keeping a roof over your head and food on table.  Get
real life sucks right now.   THE LAST thing I personally want to do is not pay my bills do you
really think I can put my head on a pillow and sleep good when I owe money out there? No way
I want to pay my bills, I want to sleep good at nite. SO GET REAL LIFE SUCKS RIGHT NOW
AND I DO LIVE WITHIN MY MEANS BUT I DO NOT HAVE ANY CONTROL ON WHAT HAPPEN TO THE ECONONMY . yOU SOUND VERY POMPOUS!  SO UP YOURS!

The Fair Debt Collection Act (FDCPA) was put into place To give people legal rights when it comes to collection agencies and collection attorneys.  If this collection agency is calling you for a debt you owe or a debt that is not yours, they could be violating your rights.
If you are being contacted by this or any collection agency, get in contact with me, my name is Ryan Pfeffer and my company is FDCPA Compliance. The website is not up yet but my email is working. contact me asap so we can determine what rights these the bottom feeders have violated and take action.

Ryan Pfeffer
ryan.pfeffer@fdcpacompliance.com

Hey Monica...... I've been blogging on these sights for years and let me tell ya..... hands down, bar none, without a doubt, your little temper tantrum was by far the most pathetic. Look in the mirror and if you don't vomit you will see what true scum really looks like. Only uneducated lower class citizens type in all capitals. You should not be surprised when a creditor comes to your door looking for what it is owed to them. Ask yourself, what would you do? What would you do if you felt taken advantage of? What would you do if you were outright lied to? Now imagine if you trusted someone you didn't know with a loan of your hard earned money and they never paid it back! How would you feel? How would you feel if you were pushed to the point where the only way to get you money back is to go by the residence or use the judicial system? I don't claim to be the brightest woman, but Monica, You're a real Bottom Feeder girl! Monica, You can make the change today ya know! Rejoice with God, be a true woman not a society detriment, live the righteous life, pay your bills, no longer hide from ringing phones. Monica, all you have to do is look in that mirror again and say, "I don't want to be dirty. God please wash away my filth. Give me the strength to stop running and pay my bills. Lift me from the depths of the scum from which I've become."  Monica, There is always hope and the rest of will pray for you. ** FYI to all the consumers who plan on following Monicas advice to chase cars away in your neighborhood:  1- Don't exhaust yourself. To chase someone requires being in shape and most of the bloggers here are fat disgusting pigs!  2- Be careful who you are chasing if you don't know them, common sense.  Sincerely, Very Sincerely, Mrs. McKnuckles

I had a similar experience with this same debt collector, they did not sound like a law firm at all and something did not seem right to me. They said they were a "Law Firm", but I asked to speak to a lawyer and they just put a collection agent on the line. I started doing some research in my Debt Cures book by Kevin Trudeau and ended up here. I realized in the book that you can actually sue these companies, but very few people know this secret. Soon after that I found a company that goes after collection agencies like this one for harassment, claiming they are going to sue people, etc. AT NO COST TO THE CLIENT. I had nothing to lose, so it did not take me long to contact them. They told me immediately that I have a case and that I can get this credit card removed from my credit and I could get up to $2000 in damages (usually $1000, but $2000 in California). I currently have two cases (one is this company) and I have no doubt that it is only a matter of time before they settle and I get cash in my pocket. Not bad for sending a couple of emails and making a phone call or two.

I am so happy with this company that I decided to help others do exactly what I have done, FIGHT BACK! These comapnies are doing illegal activities to take advantage of people all over the world and it is not right. The worst part of it all is they do not even care if they get sued, they will continue to do this to people because most people do not realize they are doing anything wrong. What they don't realize is the consumer really has all the power and I am hear to help as many people as possible.

Can you answer “yes” to any of the following questions?

1.) Are you receiving excessive phone calls?
2.) Have you had any 3rd-party disclosures? (messages left on a public answering
machine or phone calls directly to family, friends, coworkers, or neighbors).
3.) Did the debt collector disclose that the call was from a debt collector? (If so,
please save this voicemail message).
4.) Did the debt collector threatened legal action? (Filing a lawsuit, taking the debtor
to court, garnishing the debtor’s wages, or putting a lien on the debtor’s property).
5.) Does the debt collector continue make calls at work even though the debtor told
the debt collector to stop calling at work?

I work side-by-side with a law firm and they may be able to help you free of charge.
Would you like me to provide them your information? If so please email the information below to suethedebtcollectors@gmail.com and I will help you "FIGHT BACK".

Name
Address
Home phone
Cell phone
E-mail
Collector’s name
Collector’s telephone number

I had a similar experience with this same debt collector, they did not sound like a law firm at all and something did not seem right to me. They said they were a "Law Firm", but I asked to speak to a lawyer and they just put a collection agent on the line. I started doing some research in my Debt Cures book by Kevin Trudeau and ended up here. I realized in the book that you can actually sue these companies, but very few people know this secret. Soon after that I found a company that goes after collection agencies like this one for harassment, claiming they are going to sue people, etc. AT NO COST TO THE CLIENT. I had nothing to lose, so it did not take me long to contact them. They told me immediately that I have a case and that I can get this credit card removed from my credit and I could get up to $2000 in damages (usually $1000, but $2000 in California). I currently have two cases (one is this company) and I have no doubt that it is only a matter of time before they settle and I get cash in my pocket. Not bad for sending a couple of emails and making a phone call or two.

I am so happy with this company that I decided to help others do exactly what I have done, FIGHT BACK! These comapnies are doing illegal activities to take advantage of people all over the world and it is not right. The worst part of it all is they do not even care if they get sued, they will continue to do this to people because most people do not realize they are doing anything wrong. What they don't realize is the consumer really has all the power and I am hear to help as many people as possible.

Can you answer “yes” to any of the following questions?

1.) Are you receiving excessive phone calls?
2.) Have you had any 3rd-party disclosures? (messages left on a public answering
machine or phone calls directly to family, friends, coworkers, or neighbors).
3.) Did the debt collector disclose that the call was from a debt collector? (If so,
please save this voicemail message).
4.) Did the debt collector threatened legal action? (Filing a lawsuit, taking the debtor
to court, garnishing the debtor’s wages, or putting a lien on the debtor’s property).
5.) Does the debt collector continue make calls at work even though the debtor told
the debt collector to stop calling at work?

I work side-by-side with a law firm and they may be able to help you free of charge.
Would you like me to provide them your information? If so please email the information below to suethedebtcollectors@gmail.com and I will help you "FIGHT BACK".

Name
Address
Home phone
Cell phone
E-mail
Collector’s name
Collector’s telephone number

Got a phone call for my ex-step-mother-in-law from them today.  They said they were trying to get a hold of her for something.  My mother-in-law received the same call a few weeks ago for her.

Caller, Mrs. Jones, said she was from Kenwood Law Group. Does not leave detailed messages.