Today at my hearing with LVNV, I argued there was no purchase agreement and therefore I and the court don't know what they purchased or what they can do with it. The lawyer asked me..."so you don't think when you have a bill of sale that means you now own what you bought and you're telling me I can't do whatever I want with it?". I said correct, I can buy property but the purchase agreement may say I can't have a hog farm or a junk yard. She was peeved by my answer and kept repeating it. I kept explaining just because you buy something doesn't mean you are at free will to do whatever you want with it. She gave up after that. I won. She seemed like she was flabbergasted that the judge sided with me. I owe that win to you John.

midland tried to sue me. They went so far and some how listed my license plate numbers on my cars on court documents. I was able to get my case dismissed and they agreed to pay court cost my attorney ended up Sueing them and i won a settlement out of court. It pays to know the law and keep your cool

I used to go down to court hearings before Covid-19 just to watch the court system work. One of the things that I came away with when watching DUI and Credit card default was that some judges did not have the time for you if you did not have a lawyer repersenting you. Many DUI's were dropped because you had a lawyer, many of credit card collections were dropped. Very few without a lawyer and most of them did not last more than 5 minutes without a lawyer. Nothing like seeing lawyers having a good time like freinds, and then get before the Judge and go face to face against each other like they dislike each other 5 minutes later.

In all cases, answer the lawsuits how your state, or municipality wants you to do so...and show up for the hearings. Also remember this...it ain't your job to prove you don't owe anything. It's their job to prove that they own the actual debt, and you owe what they allege.

You are such a great help! My nerves are all over the place, but I feel confident.

A bill of sale doesn't prove ownership, a title does. I can buy a car and get a bill of sale. Then when I try to register said car, I find out it's stolen. Therefore, a bill of sale does not prove ownership.

I went to nj court armed with your sage advice. I had already paid a few small payments to Midland, (old debt), and had to file small amount of paper work throughout the process to get there. When I got before the judge, she insisted both parties must mediate. The mediator looked at my file, after listening to our sides of the story. He stated from his experience that because I made a few payments to Midland, the judge would not acknowledge the premise/my objection on the grounds of the purchase agreement. My cc bill was 4700 and I shaved 2000 off the bill negotiating so that was a win, but I wanted to say thank you very much for sharing your knowledge.

I had a case opened against me due to a debt. Little did I know that this account was opened with the original creditor to begin with, as soon as I was served I disputed it with the credit bureaus due to identity theft and froze my credit. Recently the debt buyer requested to summary judgement while the only thing they provided was a bill of sale and 4 months of statements,as I am in the process of disputing this fraudulent account. It baffles me that with so little of information they can attempt to bind that debt to you. The only thing I am guilty of is not checking my credit report as often as I should. However that's not a legal matter. 800$ they want from me from an account that was never even mine. So disheartening that there are ppl out there that think this is ok. God bless the work you do to protect consumers!!! And if you are in this situation, FIGHT BACK!!! don't let them think this is ok. Your fight can be another one's victory.

I love the enthusiasm you have for what you do. :)

Thank you this helps people to start at the victorious finish line 💯

I always ask them please highlight within the purchase agreement that states that you can collect on it or sue and be sue

thank you so much john. going to court on my own next week. hopefully my research along with this outstanding argument will give me the dub.

Your HOA analogy helped me understand. Great video.

I tried using this tactic in my last case and I lost. The judge told me that the purchase agreement was between Midland and seller and I nor him was allowed to see it. So far I am 1 for 1. I have a case Nov 2 but in the exhibits LVNV has a bill of sale that list resurgent as the buyer and LVNV is not listed. I know one owns the other but that’s not why the bill of sale states. I just hope the judge is in a good mood he seems to go back and forth. But your videos helped me win my first case. Thank you

Court date for midland is on the 5th of next month. If nothing else the judge will at least see that I’m attempting to protect myself from bad actors even if they can produce evidence & I lose. Thanks for the info, very helpful, much appreciated!

Always show up, always make them prove it, if you don't show up and fight it, you lose, if you fight and lose you are not a whole lot worse off than if you default.

Thank you for this helpful information. No matter what, it is good to know about a potential applicable argument to pose if it fits with a civil 3rd party debt collection lawsuit! Really like your comparisons too!

After listening to this, I see that my Bill of sale doesn't even say it purchased it from Comenity bank, instead it says it purchased it from another of its own parent companies.

Thank you John for this great video!

Once again thank you

Thank you. That purchase agreement and details hold key. They don't want yhe judge to see something...

Owing a debt vs Owning the debt. Thank you.📌

I had a account with with Sears which was a Sears master card. I was making payment on My account I always went in the store & payed at the register & always got a receipt. The next thing I know I got a letter from midland credit . I was like in the heack is going on . I have sent them copies of the receipt & copies of the cashiers checks . I never heard nothing back . I’m in the state of Ohio . & the statute of limitations in the state of Ohio is 6 years on any type of debt . I do have a lawyer on My side just in case they try something dirty . I did hold on to My records. . Sears as we all know is out of business. I want to say I think I opened up that Sears account around 2015

THIS VIDEO IS THE TRUTH!!!!!!

I'm being sued by lvnv now and I see in the paper work that it went through 3 different hands before it got to them

During Covid I defaulted on a Costco Citi card. Didn’t want to. Didn’t mean to, and would have taken care of it. It is completely conceivable that Costco required of Citi that they wouldn’t sue (or let a buyer sue) on a Costco credit card.

Thank you 😉

I got sued twice during c19. No money, no transportation, no hope. I didn't know any of this, now I have 2 judgement liens against my property. Wish I'd had access to this information years ago

Where would I find what my state says about proof?

Thank you very much John!!!

I’m listening

This guy is a genius

I am being sued by lvnv by a local law firm. Due to covid we did a a telephone court hearing. I asked them how they can prove they own my debt. The lawyer on a recordedr line said they have a Bill of sale. I asked to see it. The lawyer gave me the name and number to call from his law office to have it sent to me. The majestrate continued the case to May 5th. The law form emailed me a copy of the Bill of sale. It doesn't have my name or acct number on it. I am in Massachusetts. I came across online a Supreme court ruling on fair debt collecting in Massachusetts. It says the Bill of sale has to have my name or Credit card number or partial number. It didn't have either. It was very generic. I am going to challenge them in court. I am nervous but I think I should win. That is unless the judge is dirty and is friends with the lawyers. What do you think??

Do I wait to get to court before requesting these, or do I request in writing prior to court? Thank you!

Here is one for you.. a company that rhymes with cerchants mredit corp had an assignment that is to be used with purchases OR assignment of debt. Horribly funny when you make a motion for dismissal with predjudice due to not having a debt collectors license for the one part they forgot to cross out and not following federal law for the owned debt they forgot to cross out. It cant be both, but it can be neither.

can i set aside judgment default order which was entered like 10+ years ago (in ma)without my knowledge (until a week ago) and if that happens will "the statute of limitation" effectively applies for it in case if the plaintiff(midland) decides to continue with the case ? [they just sent me forms asking list of bank accnt etc..]

What if I'm being sued and the lawyer says the original debtor, but when i call the original debtor they say the account has been transferred? Who is actually taking me to court? Can the original debtor be the one suing me if the account has been tranfered to trak America? If the account is transferred and orginal debtor isnt managing that account anymore, can their name be used as the entitiy suing me?

When you ask for purchase agreement and when they send it how do you know if it is real or not because it looks like they type it themselves

In my case, i asked for the purchase agreement.. they said it was a secret. I asked how much the plaintiff paid for the debt.. no no.. thats secret. But here is the assignment showing they can sue on original debt holders behalf. But.. you bought the debt, yes? No. Ok, what was the original interest rate? Crickets.

Is the bill of sale not enough to prove ownership (or standing) because it is one page of a multi page document called the purchase agreement?

I asked the attorney representing the plaintiff for the purchaee agreement and he sent an email stating he does not have to provide me with proof. I asled for contract. He said he doesn't have to provide that as well. How can i prove they can sue me for the debt?? I feel like Im being rail roaded.

Today I went against LVNV and lost because I didn't keep paying to respond to their letters. I thought I'll just let them know at court. Wrong! Even though it says "Your ordered to come and show cause" when you get there if you haven't played in their Babylonian game of paying and paying to prove you don't owe these bottom feeders money, you will lose when you show up. 😒

Is this kind of transition considered a financial agreement that is actually a promissory note?

But doesn't matter how much they actually paid for it? For example a debt of $500 they purchased for just $50 bucks?

How do you defend account stated. Also, I can't find statute of limitations in my state (Utah) for account stated. Written contract - 6 years, oral - 4, nothing about account stated. Also, do I understand correctly that in account stated claim Written contract is a statement itself?

There’s not collection laws in my state

I love your videos John. I asked a question but I don’t know if you got it anyways, I tried some dispute hacks that KZfaqrs put on KZfaq on collections. It seems like those hacks never work. What’s the best way to approach debt collector or collection agency?

If you prove they don't own it and succeed and getting those collectors to stop collecting, what about the bank you originally got in debt with? Cam the bank itself sue yo, even if they sold the receipt to the debt collector already?

Is it possible that the judge would make you pay the purchase price on the bill of sale?

Why does one debt buyer sell the account to another debt buyer, etc. Are they playing some sort of shell game?

what do you do if you hear the judge is horrible?

If webbank charge off on credit report can Midland sue somebody

Does all of this have to come from discovery though? I'm not an attorney and getting ready to send a response. Are they going to just bring this stuff to court and lrt me look at it? Am i going to ask the plaintiff attorney for this while I'm in front of the judge?

Have you filed suits against National Credit Adjusters?

Hi John Does the debt buyer not own the debt because they don’t want to disclose the full purchase agreement?

I love your videos. I have a question for you. Can you do a video about credit hacks or dispute hacks? I tried a lot of dispute hacks the KZfaqrs put on KZfaq but it seems like it doesn’t work. I mean what’s the best way to get rid of one collection? And how to approach a collection or debt collector?

What if they “prove it” though?

Can you request the purchase agreement in discovery ?

Hey John, is Alabama a good state to live in? How are the consumer protection and eviction laws there? Is there a state in the union that provides the most protections for consumers and renters to your knowledge?

Hi john i live in south africa was on the phone with collection agency threaten to sue me over the phone for unpaid debt but could not pay it as i was laid off from work since march 2021 my thing is do they actually go through with what they say or is it just a scare tactic to get me to pay.

Hi John, please can you provide me with an attorney in Michigan? I truly appreciate your time.

Hi John, I had a question regarding original contracts. If a debt buyer sues you and provides an electronically signed copy of the original contract that contains an encrypted signature must they prove they have records of that encrypted signature from the original creditor? Also, if the terms and conditions of that contract state that the original creditor has not committed to making the loan and the loan will only be made once funds have been transferred from their bank to the bank on file, is it a good defense to request documents showing proof of transfer from the original creditor assuming you deny you owe the original debt?

7:57 b.s. no lawyer ever said this in court. i want a transcript. i'll use your words...prove it.

if the debt buyer bought the debt the debt was paid.. it is over.

🔥landed🔥

nice

I went to court today and the attorney for midland had the bill of sale for the chain of custody of the other two but couldn’t produce the purchase agreement. He also came with some statements of what I used the card on but some looked wrong. Who do you think the judge would favor more?

🔥🔥🔥

On my wife’s they redacted the percentage they paid for it. How convenient.

lol at "claim"

Can they have your SS number.