Defending Consumers and Their Assets

The only treatise to detail consumer defenses to debt buyer and creditor collection lawsuits on credit card, medical, and other consumer debts.

How to Defend a Collection Lawsuit

• Responding to collector’s requests for admissions
• Required attachments to the collector’s complaint
• A debt buyer’s proof of ownership of the debt
• Defenses to account stated, contract, on account, quantum meruit and other causes of actions
• Statute of limitations
• Other common consumer defenses to the debt: identity theft, wrong consumer, only authorized user, etc.
• Limits on finance charges and attorney fees
• Consumer counterclaims and class counterclaims
• Special protections for active duty military personnel
• Government collections
• Detailed chapter on medical debt
• All new chapter on criminal justice debt
• Dishonored check collections

Steps to Take After Judgment for the Collector or Consumer:

• Revolutionary new Treasury Rule protecting Social Security funds in bank accounts
• Other protections against bank account freezes, wage garnishments, and property seizure
• Setting aside default judgments
• Attorney fees for prevailing consumers
• Cleaning up the consumer’s credit report.

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