Check out some similar questions!

5683HUGGS · Mar 10, 2008, 03:01 PM

The judge ask "what is a debt validation letter"? Are you kidding me??

Ok, so I go to court armed with case law, my debt validation letter, interrogatories to and from the creditor. I thought I was ready, boy I was surprised . The creditor says no more than two words and the whole case was based on what I had to say to the judge (so much for the plaintiff having the burden of proof). When the judge asked what is a debt validation letter, my jaw hit the floor. My advice is to everyone who is being sued by a creditor. Do your research and bring everything to court. File everything you can, and be prepared for the judge may or may not know what you are talking about. Be prepared to teach the judge about FDCPA (Federal Debt Collection Practice Act), etc. What the creditors can, and can not do. The are a lot of creditors that would try to get money from you at any cost. Be armed and fight.
Thank you for all who has helped me... Thank you.
F.Y.I. The judge said she was going to give her decision by mail. Today, I got my answer. I DID WIN!!

Fr_Chuck · Mar 10, 2008, 05:15 PM

Yes, it is amazing my guess about 90 percent of all cases, no defendant even shows up, so the person suing for the judgement is not even normally prepared. And you are assuming the judge knows the law?