If You Got Sued Debt Collection Agencies Steps

The WORST thing you can do when being sued is NOT show up to court or submit an answer. Consult with an Attorney in your state for specific questions regarding your lawsuit from agencies such as Midland, Portfolio Recovery, LVNV, Cache LLC, IC Systems, etc.

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Always consult a financial advisor or attorney for the most accurate information that pertains to your legal situation! Always pay your debts BEFORE they hit your credit. Individual results will vary, based on differences in credit reports, contract terms, state laws, and statute of limitations.

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DO NOT USE FOR LAWSUITS OR COURT ORDERS!
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I raised my credit score over 300+ points and I didn't have to pay anyone! The most common misconception of improving one's credit score is that if you pay your collections accounts reported on your credit report, this will help your credit score. WRONG! I will explain why disputing collections accounts from your credit report is the BEST method to raise your score! Disclaimer: I am not a financial advisor. This is strictly for informational purposes and does not replace the advice from a financial advisor, credit bureaus agent or attorney.

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[krazy]

I was sued by a debt collection agency for 4k (Arcadia Partner LLC) in October 2021and on Sept 30 2022 was my court hearing within 48 hours I filed an answer that is where people fail to do and file an answe and get a judgement against them. I did my hearing via virtual court from home. During the sign in process and hearing the court clerk I overheard the attorney for the plaintiff that they were going to ask the judge to dismiss my case due to statue of limitations (CA 4 yrs) had expired for them to collect. Then came my turn the plaintiff attorney asked me if I wanted to settle and I said no. Judge agreed to the SOL expired and he DISMISSED my case with prejudice. Thankfully, this case is over. Check with your state on the SOL it varies.

[jenniferfrank]

Thank you 🙏🏽 I am so happy to find your video. Today I received a call from someone name Connie Daniels. She told me she’s with NAA Pre Litigation Services and that I owe money to a debt collector dating 2008-2017, and that I would be served to show up in court and pay up to $8000... I was stunned because I didn’t know and couldn’t remember owing Citi Financial. I asked if I could receive something by mail or email and she refused to send me any documentation, and told me that the debt collector tried to notify me and I told her that I haven’t received anything.
So now I’m sitting her not only numb, but also afraid l because I don’t know how to prepare myself for court. So thank you
I’ll save your post and keep you posted on when I get served for court 🙏🏽

[MotivationU_]

This video helped me I was sued by midland credit and served about 2 weeks before my court date so I found this video and did some more research so I got my paperwork together and went to my court date. When I showed up and the judge called my name midland was not there so she stated that she was going to wait and come back to me, she finished up with everyone else and came back to me last. When she got to me she made me come forward and told me my case was dismissed because they didn’t show up I couldn’t have flew out that court room! I was so glad I showed up and while I was in there it was other people going up and just agreeing with it and I felt so bad because I’m like if only they knew their rights. Thank You Thank You for this video it gave me the confidence I needed to walk in the court room ready to defend myself and you didn’t charge me for any of this information you are out here really doing a great deed and I appreciate it so much you have a new subscriber for sure .

[beautyandabeat]

They hate when you have an attorney. I was sued by LVNV and they didn’t even show in court and there of course was a default judgment in my favor and I had an attorney who told me she would not have me come to court. For my response I looked on YouTube and found a lawyer who specializes in consumer debt and he gave great answers to use and I chose one where I was not lying but did not confess either. This was recent I got served in November 2021 and the court date was January 2022.

[tacobannana]

Love this video, it really made me feel a lot more calm about the situation..thank you again! :)

[johngriggscomedy]

If your cardholder agreement allows it, a great strategy with junk debt buyers such as LVNV and Midland Credit Management is to file a motion to compel private arbitration when you file your answer with the court.

What happens after you do this is once your motion to compel arbitration gets approved, your case gets moved from court to private arbitration with a company like JAMS or AAA. The junk debt buyer will have to pay almost $5000 to continue their case with you. Almost all junk debt buyers will give up soon after you do this.

I recently filed a motion to compel arbitration when I answered a lawsuit from a junk debt buyer that tried to sue me for credit card debt they claimed I owed. Soon after I did this, the junk debt buyer dropped their case against me and ran away. I no longer have to worry about them suing me over this debt ever again!

[msmonileetee]

Thank you so much! I really appreciate you for your advice!

[Barbeegirl]

Lord knows you are like an angel in my life. Your videos always pop up when I'm going through exactly what you are talking about. It's almost scary. I'm currently getting sued right now by a furniture company i dealt with almost 4 years ago. They are currently garnishing my wages. I'm listening. I'm fighting it right now. Thank you for being you. You are amazing! 💜💜💜💜

[MissLuxe]

I was so stressed out and you just helped me get my thoughts together and take the next steps, I really appreciate you!

[melissacoleman]

Thank you for your important information. This was very important for me to hear.

[mariagonzales]

Thank you so much for the info, the clarity and the boost of confidence.

[maryb.]

I appreciate the encouragement & the steps given ❤

[MsDes]

Thank you Jazzy, your information that you shared was helpful. I appreciate you🙏🏼❤️. Stay Awesome and safe hon*

[stephanrichardson]

Jazzy, this has been very helpful. I’m reviewing this for my cousin, and has helped me a lot. You’re the best! Keep it up!

[pittypat]

I wish I would have found you a few months ago. Great information. thanks

[Fomotomo]

I’ve not been sued, but in my hardship and distrust in the credit card companies, as I start really paying down debt, I anticipate it happening. This was helpful! Subscribing!

[NikkiAndrews_]

I was just served by LVNV, this video is informative. Fingers crossed.

Update
I answered my summons, I submitted a Motion to Compel Arbitration; my court date was scheduled for today, something told me to call the precinct to “confirm my time” the clerk told me that LVNV submitted a motion to dismiss on 5/4.

[livelaughlove]

Thanks for all your wonderful advice. I was able to do a pay to delete with Portfolio Recovery and The Bureaus.

[FiFi_Babie]

Yessss Jazzyyy!!! I recently got a summons from a debt collector. Definitely looking for an attorney to help me file my answer and then I’m going to dispute it! Thank you so much for this video and information!!💙💙💙

[leohornsfan]

Awesome video and thanks for sharing your knowledge with everyone as well. I honestly couldn’t stop staring at you because you are just drop dead gorgeous. But anyways most of these junk debt buyers bank on you not showing up to court or just not knowing your rights period. I was contacted by portfolio recovery today and they gave there whole speech and asked me how I would like to settle this and if a payment plan would be good and I immediately said hell no I want a validation of this debt and also verification of this debt via statements, signatures from all parties and bill of sale stating that you own this debt and last but not least don’t contact this number ever again. That right there let’s them know that you are not to be messed with and now they have to regroup and figure a way how to deal with you.