KillDebt
A lawsuit is not a verdict. You can answer it in writing, and they have to prove their claim. Almost nobody makes them.
$175 a month, or $349 a quarter. Cancel anytime from your account, no phone call.
Opens sign-up: account, then payment, then ParkerGPT reads your complaint. KillDebt is not a law firm and does not give legal advice.
Your papers say how long you have. Look on the first page for “within ___ days” or a date to “appear.” The papers, or your court’s rules, say which day the count starts from. Count it on a plain calendar, then confirm the date with the clerk’s office, because courts count days differently. Then do not let it pass. A lawsuit nobody answers usually ends in a default judgment, entered without a hearing.
The plaintiff is the company suing you. Its name is at the top. If it is not a bank or card company you recognize, it is almost certainly a debt buyer: a company that bought the account, usually in bulk, usually for a fraction of the balance. If you make it, a debt buyer has to prove it owns your account before it can collect a dollar through the court.
A complaint and an affidavit they have. These three they often do not:
Nobody finds out what is missing unless somebody asks.
$175 a month, or $349 a quarter. Cancel anytime from your account, no phone call.
Opens sign-up: account, then payment, then ParkerGPT reads your complaint. KillDebt is not a law firm and does not give legal advice.
An answer is a written response, filed with the court before your date, that replies to each claim in the complaint: admit it, deny it, or say you do not have enough information to do either. Filing usually means delivering it to the court clerk, the office at the courthouse that takes papers, and sending a copy to the plaintiff. It is the step that prevents a default for not responding. A counter affidavit can go with it: a sworn statement of your own, answering the plaintiff’s.
After the answer comes the part of a case called discovery, where each side can require the other to produce documents. This is where you ask for the bill of sale, the chain of title, and the statements. Your court’s rules say what form the request takes and how long they have to respond. Few people ask. That is why few people make them prove it.
ParkerGPT drafts the answer from your actual complaint, then the document demands. It searches real court decisions and your court’s own rules instead of guessing, and it remembers your case between sessions. You review, you file, you show up.
Pro, at $229 a month, adds a practice courtroom and priority support. Your rate stays the same for as long as you keep the subscription without a break.
$175 a month, or $349 a quarter. Cancel anytime from your account, no phone call.
Opens sign-up: account, then payment, then ParkerGPT reads your complaint. KillDebt is not a law firm and does not give legal advice.
Scott
Georgia Court of Appeals, sued by Velocity
Lost summary judgment, then appealed. The Court of Appeals reversed the judgment against him.
Francis
Pennsylvania magisterial district court, sued by Midland Credit Management
Came ready to challenge the bill of sale and the transfer paperwork. The case ended in his favor before it got that far.
Rodney
Sued by Portfolio Recovery Associates for more than $30,000
Held them to the rules in discovery. They did not produce a readable contract in time. The case was dismissed.
Robert
Circuit court, sued by LVNV Funding
Lost in district court, then appealed two LVNV cases. The circuit court ruled for him in both and ordered LVNV to pay his filing fees.
Every case is different. These are their results, not a prediction of yours. Each member did their own filing. KillDebt is not a law firm and does not give legal advice.
Brian Parker
Brian Parker has been a consumer defense attorney for thirty years, making debt collectors prove it. ParkerGPT is built on his library and his method. The tools are how you do it without him in the room.
A default judgment is not always the end. Depending on your state and how recently it was entered, there may be a way to ask the court to set it aside. That is a different filing from an answer, and the rules for it are as strict. Start with your court’s rules, not with the collector’s next letter.
Fair question. Only you know what $175 this month costs you. Here is what we can say: the case does not pause while you decide, and the answer is what keeps it open.
If the money is not there this month, watch Brian’s videos and file your answer anyway, without us. Not filing is the only move that helps them.
$175 a month, or $349 a quarter. Cancel anytime from your account, no phone call.
Opens sign-up: account, then payment, then ParkerGPT reads your complaint. KillDebt is not a law firm and does not give legal advice.