The blog

The debt collection defense blog

Collector tactics, court decisions, and what they mean. Written by Brian Parker from thirty years of defending these cases, in plain English, and the articles about your situation link the tools that do the work.

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How to Answer a Debt Lawsuit So You Stand Out: The Responsive Pleading

A blank answer beats a default, but not by much. Brian Parker shows how a responsive pleading with a preliminary statement makes your case stand out.

Brian Parker · November 9, 2026

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Certificate of Conformity in a Midland Lawsuit: How to Use It Against Them

November 6, 2026

Success Stories

Sued by Midland Credit Management on Three Cards: How David Fought Back in South Carolina

November 4, 2026

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Debt Collector Consent Orders: How to Use Them in Your Defense

November 2, 2026

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Police at a Car Repossession: When the Officer Breaks the Rule

October 30, 2026

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Wrongful Repossession: How "Stop" Won a Georgia Repo Case

October 28, 2026

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Suing a Debt Collector Under the TCPA: 3 Mistakes From Rios v. Credence

October 26, 2026

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Sued by a Debt Collector? Read the Lawsuit First. Here Is What to Look For

October 23, 2026

Success Stories

LVNV Sued Him for $15,000 in Georgia. Unanswered Requests for Admission Won the Case

October 21, 2026

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Borrowing Statute: How Another State's Deadline Can Stop a Debt Lawsuit

October 19, 2026

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Statute of Limitations on a Debt Lawsuit: Two Dates to Check and a Second Clock

October 16, 2026

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Conditions Precedent: The Debt Lawsuit Defense in the Collector's Own Contract

October 12, 2026