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7 mistakes when testifying in a debt collection trial

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www.alabamacon...
Watch this video if you are interested in learning what the 7 common mistakes are and how to avoid them while testifying in a debt collection trial.
1. Guessing instead of testifying based on personal knowledge.
2. Answering a question without fullying hearing it.
3. Answering a question without understanding the question as a whole or individual words in the question.
4. Answering a question without first taking a moment to think about the truthful answer.
5. Answering more than is asked -- instead only answer the question actually asked.
6. Trying to outsmart the collection lawyer.
7. Having the wrong courtroom appearance including dress, showing up late, not being respectful, etc.
Thanks for watching!
John
John G. Watts
Watts & Herring, LLC
Representing consumers across Alabama
205-879-2447
www.alabamacon...
www.alabamacon... (to send us a message)
Our free weekly webinar is here -- my.demio.com/r... -- Join us if you can!
"No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers."

Опубликовано:

22 авг 2024

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Комментарии : 391

@mattpitcock175 9 месяцев назад

Your video Sir was a blessing. I had a family member that I had to help out . A debt collections Attorney took them to Court . I took your advice and took notes .... Long Story Short . The Collections Attorney requested the court for a motion to dismiss... Key word folks "Purchase Agreement". Never saw one never. Was not even aware that they sold something. To a debt collector.... Keep up the good fight folks just have to go in with some positive thinking.... Don't let them push you around show respect and look them in the eyes and ask them where is your "Purchase Agreement". and where is it that I have signed and seen this so called Purchase Agreement and have agreed to any terms .... These collection sharks are betting that you won't show up for court so they can name their price .... Follow this man's advice and your odds will be good at winning your case .

@clydeb7713 4 года назад

This man must really be a Saint! A lawyer willing to help you without taking 50% or billing you (more than you owe the debt) Priceless! Thanks.

@johngwatts 4 года назад

No saint but hope the video helps if you are in this situation. Have a good one!

@MissionaryInMexico 4 года назад

Haha! A lawyer named Ron Smeberg in Texas offered (in writing) to charge me $30,000 to fight my $7000 debt without any guarantee. We need to spread the word. Good is good. Bad is bad. Everyone needs to know.

@Mtrz007 4 года назад

Alabama Consumer Protection Lawyers DSW’s xx f do d

@Walkinthepark305 3 года назад

@@johngwattsfirst mistake is saying yes too borrwing the money They are in default of breach of contract with fraud. Well Marcus did you , borrow the money and the wrong answer is yes . I never have any proof that bank A showed me which bank account they transferred the money to the seller of the property so i can't answer that question

@Cre-Art 3 года назад

You may be the first lawyer to get thumbs up. :) You must be very successful because you are so willing to help people. Very generous with your time and advice.

@johngwatts 3 года назад

:) Thanks!

@williedaniel2534 Год назад

He does what he says he is going to do!

@benking2804 2 месяца назад

Great advice,I'm going to court

@MissionaryInMexico 4 года назад

My dad (murdered in 2014) always taught us kids "Only answer what is asked." He retired from the federal government in Washington DC, it worked for him.

@johngwatts 4 года назад

Sorry about your father. I'm sure he gave great advice to you on a bunch of things but answering what is asked is sure one of them! :) John

@gailremp8389 11 месяцев назад

Bless you and your daddy and family. Jesus .

@BrianKeithPREPPER 3 года назад

Great advice sir! I appreciate watching your videos! I just had a court case today, represented myself against the attorney for a credit card company. I WON my case today! :D I was prepared and ready, with some evidence against them, however, they didn't even bother to show up for the case, so it was dismissed by the judge! Feels great to fight and Win! :)

@brendareyes1981 2 года назад

If you don’t mind me asking what evidence did you take with you? I’m confused on what evidence I can present 😅

@cynthialewis8616 2 года назад

What evidence can I take? I have the same problem with a credit card debt collector. Please help

@mostlysky55 2 года назад

How much was the debt for?

@sabrinaboston9289 11 месяцев назад

What was the debt amount?

@rainmaker718 3 месяца назад

What happens if the debt collector is also a law firm and has not purchased the debt but is representing the bank taking you to court on the bank's behalf

@allenpruitt8650 2 года назад

I would like to personally thank you for these videos. With your help I studied several took notes and when my civil case went to court today even though it was on a zoom call. The attorney was unable to provide any type of paperwork stating LVNV owned the debt. The case was ruled in my favor. Then I was told by the judge congratulations Mr. …….. you won this one. Thank you again I know this is a year old video but it help me because I would have had no idea what to say or how to respond. Keep up the good work and anyone that comes to me about credit small claims I will be sending them your way

@lilaelise7999 2 года назад

Hi. That’s great news!! I’m going through that now and I go in front of the judge on April and will be defending myself. I wanted to know what else did you ask to win your case? Thanks in advance for any help and suggestions.

@allenpruitt8650 2 года назад

@@lilaelise7999 you need to watch his videos on tearing apart an LVNV summons

@jasonmccann257 2 года назад

@@allenpruitt8650 so you got sued by LVNV and Resurgent Capitol Services? I'm going thru a similar situation with LVNV right now. They bought a charged off account of mine that the original creditor refused to let me pay off. I sent Resurgent Capitol Services/ LVNV a "debt validation " letter, asking that they send me proper documentation to verify the debt. All I got in the mail was a letter from PayPal saying Resurgent bought the debt, and all Resurgent sent me was a two year old billing statement. After they recieved the debt validation letter, they continued to contact me for almost a week, and they just recently reported to the credit bureau's this charged off account is a new account, yet its been on my credit report as a charge off for the past two years. I am currently in the process of mailing them a "notice to cease and desist" letter.

@danascherer1970 10 месяцев назад

Case was dismissed today, so thank you for your help. Sent certified letter to Midland, attorney, and court. Never got anything from them of course. But trial on Zoom no less today. The plaintiffs never showed up. Judge dismissed. Was ready and did a lot of work thanks to you.

@matthewpierce7717 29 дней назад

Do you know who the law firm was? I’m about to be in a similar situation with an attorney from Weber & Olcese PLC and hoping they don’t show up to the trial due to how small the amount is.

@jrbernal2267 4 года назад

Mr. Watts...I wanna thank you for your videos...I got prepared from the answer letter to what to do in court..and ready to act out something first in my 50 yrs..I show up in court and PORTFOLIO didn't...case dismissed!!!!😁..it was awesome...but i was ready and will be for the next one..ughh Again Thank you..

@johngwatts 4 года назад

That's wonderful! Was Portfolio dismissed with or without prejudice?

@jrbernal2267 4 года назад

@@johngwatts oh dang it..you got me on that.I guess I missed where you mention that on the videos or missed the complete video..😔.but thanks for asking cause now I'm gonna go back and ask and of course learn what it means..😁..thanks again

@basiaperry177 11 месяцев назад

but what all happened with your cass

@KATALAMBANOIT 10 месяцев назад

I was advised by my attorney just to file an appearance & say deny to everything in my answer to the courts. But in the meantime just offer a settlement to resolve the matter. I did just that, but he was adamant that i not send them any money without a settlement offer/letter in writing. So now they are playing games giving me a written letter with the amount they wanted me to pay. The problem is i suppose im not dumb enough to give them my bank account info & prefer to send a cashiers check for the exact amount they offered. This way i can expedite the payment, keep a paper trail & protect my personal assets. So now they are coming up with every excuse in the book not to put it in writing. Well they sure as hell can take me to court for $700 because im not giving them anything until they send me something credible in writing that once i pay the settlement amount the debt is satisfied "paid in full"

@sammiwalker1335 21 день назад

Can I do the same thing with paypal?

@justinjustin337 3 года назад

So glad I ran into your video!!! The first 6:30mins I know will help a ton in my friends case. Things I never even thought about! Thank you for being 1 of the good guys and helping the little guy out.

@johngwatts 3 года назад

Very welcome!

@TheJosa007 4 года назад

Your advice is priceless. Very few people do that now days. Thank you very much.

@johngwatts 4 года назад

You are very welcome -- thanks for watching!

@vilynscagayana3773 4 года назад

These are incredible pointers. You are the "KING"! THANK YOU SO MUCH!

@johngwatts 4 года назад

You are very welcome! John

@kodi4167 2 года назад

The idea of law is to first and foremost protect PEOPLE in a predetermined fashion from wrongful actions. The problem with law is it is most times suppositional at best. It all depends upon whom you ask to make a determination. Thanks for the vid. it was informational, and, well laid out.

@larrybaley1371 9 месяцев назад

Excellent and very helpful. I will be going to court on credit collector. No money for attorney, needs this kind of help. THANKS

@johngwatts 8 месяцев назад

Hope it goes well and see if you can at least talk to a lawyer in your state to get some advice before going to court as each court/state is different. Here is a link to help you find a consumer lawyer www.consumeradvocates.org/find-an-attorney in your state and also here is a video going over how to use the website ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-UNXO7qheGAc.html. John

@joyceelmer131 10 месяцев назад

I’m not going to court without this guy!

@merrilew Год назад

Being sued for the first time and finding your page has been so helpful. I hope this applies to Michigan… Everything was so helpful and I will follow. Thank you.

@johngwatts Год назад

Every state has different laws -- I would highly recommend you get with a Michigan consumer lawyer. www.consumeradvocates.org/find-an-attorney is one place or call Ian here -- www.consumerlawyers.com/ian-lyngklip.html Best wishes! John Watts

@merrilew Год назад

@@johngwatts you are amazing and kind. Thank you 🙏🏻

@PrimericanIdol 11 месяцев назад

I'm watching these videos now in case I ever get sued.

@millionairejeffjr 4 года назад

As always, absolute Gold. 👏👏 Thank you for doing these videos.

@johngwatts 4 года назад

You are very kind -- thank you! John

@Gamerboy2000_YT 4 года назад

If they ask you a question but you truly don't remember, how do you answer that? Just say "I don't remember?"

@johngwatts 4 года назад

Perfect! That's the only truthful answer so that's how you answer. Thanks! John

@TheEcono 2 года назад

This man has convinced me with all my debts it's worth my time to consult with a lawyer.

@RIGTHEGIANT 2 года назад

You helped me when my trial came, thank you so much for all of the information.

@ChildofGodforevr 3 месяца назад

Do u own a house? Have a 5 figure job? Coz if u don’t, they can’t collect 💩 from you. We own a house(not paid off) and hubby makes $75k a year and his debt is $22,000. They will not take less than $13,500. Citibank hired a lawyer. A debt collection lawyer . They are coming after us .

@millycollazo7634 2 года назад

THANK SO MUCH FOR YOUR HELP. IT DID GAVE ME CONFIDENSE IN MY TRIAL. I CAN'T PAY A LAWYER.

@mymobilebuddy4392 3 месяца назад

Thank You for your advice. I am going to court in a few weeks. Your appearance and what you bring to court is very important. Once I showed up to a criminal trial with an iPad, tape measure, and other miscellaneous items. The prosecutor dropped the case.

@johngwatts 3 месяца назад

That's fantastic! :)

@mar91942 4 года назад

I sit through these trials from time to time. In the few that go to trial, pro se defendants often make the debt collectors case for them. Most are default judgments. (Texas)

@johngwatts 4 года назад

Yes great point. Thanks for comments! John

@joelewis5187 3 года назад

This is great advice period. Doing this in your life can help avoid so many problems in your life. Thanx this has opened my eyes to a total different way of doing things.

@10x-mentorupperlevel-entre96 3 года назад

These videos are pure gold to be self represented, thanks..

@johngwatts 3 года назад

You are very welcome!

@texiediamond4693 2 года назад

Wooooow, very helpful tips. I have a debt collector court date on the 16th of this month. Thank you much appreciated 🙏🏾

@TexasNewsOwL 2 года назад

How did it go?

@sabrinaboston9289 11 месяцев назад

Did you win your case?

@tanyabrown1253 3 года назад

I wish you practiced here in Texas. I could use your expertise.

@johngwatts 3 года назад

Thank you -- its on my list but right now I'm a bit buried in lawsuits. :)

@carolshapiro2594 3 года назад

Thank you from Florida! Your video here is very very helpful and Thank you for being a decent Human being!

@johngwatts 3 года назад

You are very welcome! Thank you for your kind words....

@ElChicleSeMePego 9 месяцев назад

Thank you for taking the time to help us!

@johngwatts 9 месяцев назад

You are very welcome!

@ElChicleSeMePego 9 месяцев назад

@@johngwattsI'm going against a "law firm" debt collector that just withdrew their motion for judgment on me. Now they are trying to ask me questions about owing the debt, do I answer those the same way I would in person? Just "I don't know", they don't even have my full account number. I requested the documents from them, privacy notice, and chain of command because they tried collecting payments from me, they never sent me an agreement in writing they're just trying to get a judgment against me - they're very aggressive. They have not sent me those documents and have put 28 days for me to give them information and bank statements- any advice?

@Mrkouman 4 года назад

Very informational and I’m glad you reviewed the 7 mistakes

@johngwatts 4 года назад

Glad you watched it and hope it helps! John Watts

@gailpatton-whitt2175 4 года назад

Really enjoyed this!!! I've been listening to different videos all day...i subscribed to him earlier...i live in Birmingham and will be filing a 7 i have a garnishment for a car that's from 15 years ago....learning some great info from Mr. Watts and I really like how he's offering knowledge thats free to learn by just listening!!!!

@mdavis3610 3 года назад

Since you live in Birmingham, consider paying this lawyer. Some things are easier to settle and to handle. Fifteen years ago, a garnishment is terrible but not unheard of with debt collection depending on the state. God bless.

@mccainjay 3 года назад

@@mdavis3610 Seams like a statute of limitations would have kicked in. 🤷‍♂️

@natesoilfieldobservations6755 4 года назад

Many Many thanks , you have given me knowledge that i am so grateful for!! I wish i had watched your videos a year ago!! Truly thankful!!!

@johngwatts 4 года назад

You are very welcome Nate!

@calderonjd30 4 года назад

Thank you sir! You seem very knowledgeable and kind

@johngwatts 4 года назад

Thank you!

@druog442 4 года назад

Thanks for the great advice John.

@johngwatts 4 года назад

Thank you!!

@jliz6435 4 года назад

Great advice thank you so much for caring enough to share your experience with us 🙏

@johngwatts 4 года назад

You are very welcome!!

@gailremp8389 11 месяцев назад

Where were you for my 35 years as a legal beagle? Lordy. Excellent. Thx

@catherinemagubane-ci2eq Месяц назад

Thanks for your videos

@johngwatts 29 дней назад

YOu are very welcome thanks!

@arlenaholmes 4 года назад

What do say if they ask you did you pay off the debt but you paid the agreed upon settlement amount? How do you answer that without offering more than what was asked?

@katerynapoydyuk3925 4 месяца назад

Thank you for such a pleasant answers! Your rare Positivity is a key to your success!

@TheRoxinatoR 7 месяцев назад

9:54 It wasn't a silly question at all. You make total sense. Thank you so very much for taking the time to help us out! 👍🏻 It's very literal and we have to understand every question literally thank you!

@ronzarecor7297 Год назад

It would appear that I'm the newest/latest to comment herein. Damn good advice you've offered up here and you know that old saying that, One who represents them self has a fool for a client. That holds true in most cases simply because most people want to argue their case when they should except and or acknowledge the allegations address them and do not dishonor the court by arguing with or allowing your emotions to control your mouth for if you do then you loose so don't argue the case just state the facts of the mater, truth and logic usually triumph. Or that's my belief.

@alphamasterjames1667 4 года назад

As always a great video John found it highly informative! My best James

@johngwatts 4 года назад

Thanks my friend!

@ChildofGodforevr 3 месяца назад

We got a letter brought by sheriffs office from a debt collector lawyer. It’s a lawyer. They said they were hired by Citibank and they didn’t buy the debt. My husband got scared and called the lawyer and they talked him into a crazy high deal of $375 a month for 4 years. I told him not to make that deal coz we can’t afford it. But we do own a house(not paid off) and my husband makes $75,000 a year but I’m sick and don’t work. We are truly barely making it. Hubby is afraid they will garnish his wage to such a high amount that he won’t be able to pay the mortgage and bills and we will lose the house. The debt is $22,000. How do we find out if this lawyer bought the debt or is really hired by Citibank. Is there any way to make a lower deal with Citibank.

@juliettef.g6211 4 года назад

May God continue to bless you!!!

@johngwatts 4 года назад

Appreciate you! John

@rodneymartin9548 2 года назад

If the Debt Collector or buyer tells you and the Court (or admits) they purchased the debt and now owns it, what legal right does this debt collector/buyer have to collect a third party debt without a legal binding contract with the debtor?

@johngwatts 2 года назад

If a debt collector *actually* buys the debt, then they normally can collect. They step into the shoes of the original creditor in terms of the contract with the consumer. The problem is often they don't prove they actually bought the debt when it comes to court.... John

@rantym35 2 месяца назад

My friend sued a collector company under the FDCPA because the collector tried to collect a false debt, they accused him of a false transaction, however the federal court says that even though they were in default they cannot issue a judgment against that company because he is a not a consumer and is not a collection and there is not a transaction. I read in case law however, that my friend was involved under a non consensual transaction and he is protected under de FDCPA

@leewilson3089 Год назад

Really appreciate all you do for us.

@johngwatts Год назад

Welcome!

@mariavela3398 4 года назад

Thank you very much. I appreciate it very much for the information that you have provided.

@johngwatts 4 года назад

Very welcome!

@alphamasterjames1667 4 года назад

Loved this video another great video John!

@johngwatts 4 года назад

Thank you sir!

@cindithomas7440 9 месяцев назад

This has been very helpful. I am being sued by a debt collector. Thjs happened once before several years ago. I didn't answer but showed up for court. At that time, i had a payment plan of $50 a month. I had a little extra money for a couple of months and paid $75 and the company took me to court to permanently change my payment to $75 a month. When i got to court the lawyer headed me off before we went in and convinced me to sign a paper to change my payment so i could avoid going into court. It also tacked on court fees to my balance. It was probably a mistake but i felt really intimidated by him because i had no idea what to expect. This time i am going to make a response to the petition. Does the court usually require the defendant to pay the court fees?

@KimAustinKCluv 3 года назад

Thank you for this video! Very helpful in my upcoming case.

@johngwatts 3 года назад

Very welcome -- good luck!

@TheRoxinatoR 7 месяцев назад

Again I have to say excellent video thank you so much for your time!!!

@eli3726 6 месяцев назад

Thank you. It was helpful and will remember your words of wisdom.

@runetta-lcolquitt5180 2 года назад

Thanks for the giving of your time.

@micealharper3663 4 месяца назад

Amazing advice. Thank you

@johngwatts 4 месяца назад

You are welcome -- glad it was helpful! John Watts

@jessicahazlett5339 3 года назад

I love you you are amazing thank you so much for all of the wonderful tips

@johngwatts 3 года назад

You are so welcome! Thanks for commenting.... John

@gregschwab3491 2 года назад

I love this guy. Such a good service.

@stuffandstuff1 3 месяца назад

You are awesome if you evercome to clearwater fl. Come to alba pizza cafe i will personality make you whatever you want. Thank yoi for helping us all.

@xDirtyDeedx Год назад

I wish you were in Ky.. You have a good way of explaining things.

@MattNYC161 3 месяца назад

Best advice I have heard. Great video

@michaelryan1520 4 года назад

I was told attorneys are not allowed in small claims here in my state, but the credit card suing me is being represented by an attorney.Do I not have the right to ask questions of my accuser?

@servyeudesigns126 2 месяца назад

How did it work out with you?

@smith899 3 года назад

Lived in the great state of Alabama for 30 years. LOVED IT!! Fantastic place to raise a family!!! 💕💕💕 (And Alabamians will understand why I had to say…) WAR EAGLE!!!

@johngwatts 3 года назад

:). Thanks!!

@marcussparkman7530 3 года назад

Good info, good communicator..between Mr. Watts & Dave Ramsey I'm good to go

@johngwatts 3 года назад

Thanks!

@unforkyours3lf730 3 года назад

So basically you make it so they can't make a connection from your previous debt and the company who owns it now by showing up looking good being respectful and answering truthfully and since you have no knowledge about the connect of company x with company y no connections made and they lose.

@johngwatts 3 года назад

Good summary! Not a guarantee they will lose but if you do what you mentioned you have a nice chance of winning.

@kennethspeaks2408 3 года назад

Excellent content, thank you

@johngwatts 3 года назад

Very welcome! MIght want to watch this one -- similar but from perspective of the collection lawyer asking you questions -- ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-tYsajQ1PPgI.html Have a great day! John Watts

@AmitsLife Год назад

Thank you

@opchick0597 3 года назад

God bless you man.

@johngwatts 3 года назад

thanks!

@cordovanbee713 4 года назад

Very informative, thanks

@johngwatts 4 года назад

Very welcome!

@arlenaholmes 4 года назад

This is an incredible video. THANK YOU FOR THIS INFO!!! It has helped me tremendously. Where can I contact you?

@johngwatts 4 года назад

Thank you Hadash! www.alabamaconsumer.com/contact-us/ is how to contact us. Thanks John

@LaifuLama 3 года назад

Again, in a case of sued by the credit card attorney, admitting owning the account means admitting the charge.

@delibertylaw 2 года назад

They'd still have to prove quite a bit more - namely, that you defaulted and in the case of a debt buyer that they can prove that they now own the account at issue.

@michaellauletti6552 11 месяцев назад

Your right

@chantelmorset7176 10 месяцев назад

Thank you so Much!

@ronniesanchez5072 3 года назад

Thanks for the information

@guitarandgraves 4 года назад

So basically the only hope of winning is that they can't prove the own the debt? What happens if you lose--do you end up owing thousands of dollars worth of court fees?

@johngwatts 4 года назад

Broadly speaking there are two things they have to prove -- if they fail on either one, they lose. 1. That they own the debt. This is a huge struggle for debt buyers. 2. That you owe the debt the claim you owe -- they have to prove the amount. These are two big hurdles. If they prove both of these, and you have no valid defense (statute of limitations etc), then you lose. The court costs are normally a few hundred bucks. So anytime you try a case, someone is going to lose. You have to weigh the odds and then make your decision. Hope that helps John

@tobyvaughn5230 3 года назад

Great video!! If you file an answer and realize you should have selected the box that deny that you are responsible instead of “I admit that I owe some money but not the total claimed” what should you do?

@johngwatts 3 года назад

I would file an "amended" answer where you change (amend) it to what you want to say. Most courts allow you to do this. If I get a moment between meetings I'll do a quick video on this.... John

@sarahs7751 3 года назад

@@johngwatts i think i need to do this. I had a credit card debt- unpaid for awhile cause of the covid loss of money and I failed to contact them so they sold my debt to midland credit. I called them cause they said in a letter if I didn't pay they'd take me to court and they asked my some questions and I said yes. But looking back i don't believe I owe them anything and they bought my debt to my original credit account so it seems I owe them nothing. How do I make an amends letter? What's it called so I can learn how to do it?

@gailremp8389 11 месяцев назад

It’s 3023. Wonder how respectful Trump is going to be if he gets a chance to testify on his 91 counts..at this point. . Oh my God. You’re such a gentleman. Thank you. Do appreciate this…

@elydot8693 3 года назад

Thank you for these gems 💎🙏

@dennisdye2330 2 года назад

Very, very well said.

@jimmycardoza2051 4 года назад

What about when they sue under the guise of the original creditor?

@johngwatts 4 года назад

Jimmy, If the original creditor sues you, then much different situation. But your question suggests it is a debt buyer suing but they are pretending to be the original creditor. That would be a HUGE problem for them in Alabama to lie about who is actually suing. I would press them on this and see who is suing and who claims to own the debt. Do be careful that sometimes the lawsuit will say, "Midland Funding as assignee of Synchrony Bank" -- that's Midland suing not Synchrony Bank. Keep me posted what you find out thanks! John

@uhohotdog3483 3 года назад

Thank You

@MyRadicalWealth 3 года назад

Love this video, thank you.

@johngwatts 3 года назад

Very welcome! John

@beeasy6170 4 года назад

I got to go to court on Jan 8th in mass. Wish me luck...

@johngwatts 4 года назад

Hope you win!! Let us know how it goes. John

@beeasy6170 4 года назад

@@johngwatts Will do. Thanks for all of the info. Definitely gave me some confidence...

@militantmode7639 Год назад

Appreciate this video

@quickstrike2010 Месяц назад

If no one besides the attorney for the plaintiff shows up at a trial wouldn’t that case be dismissed since you can’t question them?

@TariqLawPC 2 года назад

Awesome info!

@johngwatts 2 года назад

Thank you my friend!

@myytchannel6632 4 года назад

A friend's situation. Owes over $100k in credit cards from 8 credit cards. One of them is Capital 1. A law firm sues on behalf of capital one. A balance that he cannot pay back. Then they submit a copy of last statement showing balance. Then they submit information that the debt has been discharged. So, if they have discharged the debt, can they still sue for that? Also, if he cannot make payments because the amount is too high, what should he say? Besides, he is planning to file for Chapter 7 or Chapter 13. Should he tell the lawyer at trial that he cannot pay or settle because he will file for bankruptcy after this trial? Besides, the other balances he owe are with collection agencies calling and harassing but no other has sued. Just this law firm claiming they represent capital one. Plaintiff is Capital 1. Can you advise how to tackle this in court? I feel the lawyer will automatically win. But friend plans to file for bankruptcy after trial, if he loses. Please, advice.

@giselletheleggirl 2 года назад

Thank you!!!!

@KingdomTouches 3 года назад

great video!

@johngwatts 3 года назад

Glad you enjoyed it and thanks for commenting!

@persistall 4 года назад

My apologies for the multiple questions I'm very inquisitive and nervous. I do respect your time and if you can please answer I'd appreciate it. What if the JDB provides the full purchase agreement including that bill of sale. Will the stance of personal knowledge still stand? I also have a notarized affidavit included in my summons. At what point can I file a motion to strike that information from the case as hearsay? Due to it being an affidavit from the JDB.

@karlashepperd8037 4 года назад

You need to get a lawyer in your state. This generous man is not going to answer all your questions. If you can't afford a lawyer, try legal aid.

@TexasNewsOwL 2 года назад

@@karlashepperd8037 people get paid on youtube.

@bjray23 3 года назад

Great Video!

@johngwatts 3 года назад

Thank you!

@jamesh9166 Год назад

My daughter was told by the student loan debt collector that she would go to jail if she didn't pay the debt.

@RAWRMotorsports 7 месяцев назад

Thanks for the tips .. mabey I need a lawyer

@belindacole7239 3 года назад

Hi John, I went and watched a case and noticed the judge ask if you want to talk before talking to him. Is it a good idea to talk or just go straight to my case. I’m being sued by midland.

@johngwatts 3 года назад

I'm not a big fan of it but if you do, just be careful and be prepared for it. Here's a video that might help -- ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-BsWwDeRwWRo.html Best wishes! John

@belindacole7239 3 года назад

@@johngwatts Thank you!!

@zoeybar 3 года назад

thank you sir

@johngwatts 3 года назад

Most welcome!

@michaelryan1520 4 года назад

But what if the credit card company hired an attorney, instead of selling the debt, and the attorney asked the same questions?

@backtolife9821 4 года назад

MICHAEL DID U GET AN ANSWER

@jin8766 4 года назад

Thanks a lot for all the info.

@johngwatts 4 года назад

You are welcome!

@RemoteCamper Год назад

Is there this same video when its the ACTUAL creditor suing you? Everything was going good until 4:04. I'm being sued and need help with the original creditor and their lawyers.

@YarevAguilarMusic Год назад

called the original creditor and ask if they sue you and they will answer yes or no. also ask if your account is in good standing they will say that your account was giving to a debt collection some of them say are law firm but they are debt collectors. and ask if your account was charge off , if it was the means the original creditor gave up on getting the money you owe them and they had called there insurance and the insurance company had paid for what ever you owe them.

@RemoteCamper Год назад

@@YarevAguilarMusic I went to the Law Firm's own web page. They do collections for clients. In their own description they say they like to negotiate. I called them today and told them I want to negotiate ASAP. I got almost $3k removed, which was vey close to what I wanted to get removed in the first place. I set up the pay duration and they came up with an affordable monthly bill. I was SO happy to NOT have to go to COURT. I had only 10 days left to file my Answer. I'm happy with the outcome, and just want to get rid of it with no court. Quick story. The Wife was using a card I forgot I had (never had it in my possession nor ever made a purchase) and racked up over $11K before it was Charged-off for non payment. We broke up and she moved out (Still married) and she even had the billing address changed. I had no idea what had happened and thought I was CC free since about 2005, until I was served last Monday with a bill over $11K. So like I told the lawyer, I'm on damage control now. She is going to be paying for it, but this time I have full control.

@AprilReyn 5 месяцев назад

That's simply not true that's what people think they are legally required to charge off an account that has not been paid for I think it's $180 days that does not mean you don't owe the money anymore you still owe the money and they can still sue you for it it's sold that means it'll be sold with third party and then you know it's harder for them to prove it but an original creditor is required to charge it off after 180 days it means nothing it's an accounting thing for them

@Empress_Jey 2 года назад

What happens when the debt buyer has the purchase agreement showing my name and the bin number along with the creditor’s info and the previous account? Is it still worth it to not admit the debt and continue to repeat yourself stating you didn’t agree to contract with this debt collector?

@basiaperry177 11 месяцев назад

i don’t think it’s a good idea but what happened