I think I have it figured out now ... the ace in hole for consumers against debt collectors suing you is the BINDING arbitration clause in the original contract with the ORIGINAL CREDITOR ... binding arbitration applies to any and all such claims or disputes, whether they arose in the past, may currently exist, or MAY ARISE IN THE FUTURE ... if the debt collector takes you the court, I would argue not only do they not have legal standing, but the court system is an inconvenient forum and in violation of the binding arbitration agreement between you and the ORIGINAL CREDITOR ... if the original contract is enforceable to collect, then it is also enforceable to invoke the arbitration agreement - between you and the ORIGINAL CREDITOR - which the debt buyer does not want because it probably puts them in violation of the Purchase Agreement with the Original Creditor

Oh, i filed a motion for the debt collector to reassign the debt to me for $1 .. and demanded a verification be attached to prove ownership.

The most concerning and interesting portion of my situation is how many people- my family members- advocated bankruptcy. There is nothing wrong if that is what needs to be done.. but to suggest it before even asking or offering to help. That is very concerning for the overall economic forecast. It has ramifications and impact far beyond the statement, just claim bankruptcy. That’s 7 years.. that’s others eating my debt. That’s no accountability - and that’s similar to what happened on the bank run on 1929. Not thinking of the ramifications that would throw a country into poverty, a dust bowl, desperation, and unemployment that took decades to overcome. My apologies for this interruption - I appreciated how you began your lecture. What happens if people non-chalantly give others advice that has not been fully considered. Watch too big to fail.. it will happen again with all of the short memories of the bankers and consumers. Thank you sir for asking the question early on.

What about protected funds? I'm on SSI. Can I ask for accommodations for being able to sit during trial? I wanted to work with the true creditor, but they didn't even try to work with me. I don't do well cognitivly or mentally and am on disability. Isn't there a way to get free legal help.

I have been following you for quite some time now learning and educating by listening to all of your KZfaq as I have a Court date next month in front of the judge and LVNV’s attorney.

Thank you for all you DO!

What happen if I have a collection with MIDLAND CREDIT MANAGEMENT?

Hello John! First of all I love your videos..and really really appreciate them. I was trying to send you a message through your contact section on website and tried from your youtube page section. However both kept circling back to the same page which was not a contact form. Is there a better link please? Thank you, lisa

Do I still have to pay the debt collector if my case was dismissed without prejudice?

Your videos are great, thank you for doing them! Question I have is I recently received a letter from a local law firm stating they are a debt collector and had been retained to collect a debt. Does that mean they bought the debt or something else? I have court with them in a few weeks and am not sure if they own the debt or not. Any help would be greatly appreciated.

Fabulous content! Thx

Hi 👋. Where can I find a full listing of the FCRA and FDCPA Laws ?

If they dont follow the FDCPA EXACTLY be sure to counterclaim ... mine they did not send the notification within 5 days of first contact.. then sent the court summons to an address i have not been at for 20 years. since it was medical, i did not do a verification (public record concerns) .. lawyer forgot the bill of sale and master purchase agreement and lawyer did not know what interest rate was due to doctors. Judge was not amused.

What can you do if you received a summons from lvnv funding when retired on permanent disability in nyc

What about the double collection of the debt? The original creditors take a loss on their taxes so they see no real financial harm, and in fact make some money on the “sale” of the debt. If they are willing to sell your debt for $.10 why can’t you buy it for $.10? That’s how billionaires have fleeced us all and are building literal mid-life crisis over compensations to mars. Why can’t the little guys play by the same rules?

I'm 63 and I don't make hardly any income and I can't afford it and I'm getting ready to retire 2 years

The judge said he had enough evidence that they owned it ...so i lost my case, due to statements and letters etc...even tho there was no purchase agreement etc. After you lose, can you hire a lawyer and fight back?

You can do something still not win anyway

How I can find lawyers to settle my debts? Can you do for me ? I am in California?

I’m in Ohio and had my first pre trial today long suing my wife the magistrate wouldn’t let me speak on her behalf even tho she was there and said I could speak for her

I beat midland twice, sworn denial boom case over

How did they buy it a month BEFORE THEY SOLD IT??

Do you know any Attorney’s that can help me with this in NYC?

If a judgment is granted . How long does it usually take affect? In Texas

Do you help Florida people

I just will fill for bankruptcy

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