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Sued by a debt collector?

They have to prove it.

Almost nobody makes them.

A lawsuit is not a verdict. If they can’t prove every part of their claim, you may have a defense.

You can respond. Tonight.

Start your subscription
The file they sued you on
Illustration. Not a real case.
✓
A complaint
Written by them, alone, in a batch.
✓
An affidavit
Signed by one of their own employees. Nobody who ever spoke to you.
?
The bill of sale
The document that actually transferred the account to them.
?
The chain of title
Bank, sold, resold, sometimes resold again. Each link needs a document.
?
The account records
The statements behind the number in the complaint.

Nobody asks for the bottom three. So nobody notices when they are not there.

Tonight

The only thing that has to happen tonight is that you do not ignore it.

A lawsuit nobody answers usually ends in a default judgment: a judgment the court enters because no one responded. No hearing, no argument, nothing on the record from you. It is a common way these cases end, and the one ending that asks nothing of the company suing you.

So go find two things on the papers.

Your deadline, and the day the clock started.

Usually the day you were served, not the day you opened the envelope.

Who is actually suing you.

If the name at the top is not the bank whose card you had, a debt buyer purchased the account, usually in bulk, usually for cents on the dollar.

District Court of Marlow CountyExample only. Not a real case.
NORTHRIDGE ASSET GROUP LLC
Plaintiff
v.
[ YOUR NAME ]
Defendant
Case No.
26 CV 004182
Summons

You are required to serve a written response upon the plaintiff within ____ days after service of this summons upon you, exclusive of the day of service.

Amount claimed: $4,318.62

The date
Find it. Write it down.
The name
A debt buyer, not your bank.
The number
A claim, not a fact.

Five steps, at a glance

A clear path forward - one step at a time.

We are there for you every step of the way.

01

Respond

File your written answer by the deadline so the court hears your side.

02

Verify

Check who is suing, what they claim, and whether their proof holds up.

03

Request

Ask for the documents and records needed to test their case.

04

Review

Compare what they send with the claims they made in court.

05

Prepare

Track dates, organize your papers, and arrive ready to respond.

Read the full five-step guide

What members did

Filed by the member.

Decided by the court.

Every one of these people did their own filing. The tools equipped them. Hover to stop and read.

Every one of these people did their own filing. The tools equipped them. Hover to stop and read.

Summary judgment had already gone against him. He took it to the Georgia Court of Appeals against Velocity. The panel reversed, all three judges, no dissent. He posted the decision itself in the forum: "Everyone, keep fighting!"

Scott
Court of Appeals

He lost in District Court and by his own description was devastated. He subscribed afterward, prepared his appeal, and argued two LVNV cases heard together in Circuit Court. Both went his way. The judge ordered LVNV to pay his District Court filing fees.

Robert
Circuit Court appeal

Portfolio Recovery came after him for more than $30,000. He held them to the consent order in discovery. They did not produce a readable copy of the contract inside the window. The case was dismissed. He made them produce, and the production was not there.

Rodney
Discovery

Working through her motion to compel, she found a move she had not considered: a brief updating the judge on the state of her case before the hearing. She wrote it and filed it. The judge ordered the plaintiff to answer the piece that mattered. "It worked like a charm."

Eileen
Motion to compel
“

My case has been dismissed. KillDebt was an excellent tool.

James
Member

Summary judgment had already gone against him. He took it to the Georgia Court of Appeals against Velocity. The panel reversed, all three judges, no dissent. He posted the decision itself in the forum: "Everyone, keep fighting!"

Scott
Court of Appeals

He lost in District Court and by his own description was devastated. He subscribed afterward, prepared his appeal, and argued two LVNV cases heard together in Circuit Court. Both went his way. The judge ordered LVNV to pay his District Court filing fees.

Robert
Circuit Court appeal

Portfolio Recovery came after him for more than $30,000. He held them to the consent order in discovery. They did not produce a readable copy of the contract inside the window. The case was dismissed. He made them produce, and the production was not there.

Rodney
Discovery

Working through her motion to compel, she found a move she had not considered: a brief updating the judge on the state of her case before the hearing. She wrote it and filed it. The judge ordered the plaintiff to answer the piece that mattered. "It worked like a charm."

Eileen
Motion to compel
“

My case has been dismissed. KillDebt was an excellent tool.

James
Member

Summary judgment had already gone against him. He took it to the Georgia Court of Appeals against Velocity. The panel reversed, all three judges, no dissent. He posted the decision itself in the forum: "Everyone, keep fighting!"

Scott
Court of Appeals

He lost in District Court and by his own description was devastated. He subscribed afterward, prepared his appeal, and argued two LVNV cases heard together in Circuit Court. Both went his way. The judge ordered LVNV to pay his District Court filing fees.

Robert
Circuit Court appeal

Portfolio Recovery came after him for more than $30,000. He held them to the consent order in discovery. They did not produce a readable copy of the contract inside the window. The case was dismissed. He made them produce, and the production was not there.

Rodney
Discovery

Working through her motion to compel, she found a move she had not considered: a brief updating the judge on the state of her case before the hearing. She wrote it and filed it. The judge ordered the plaintiff to answer the piece that mattered. "It worked like a charm."

Eileen
Motion to compel
“

My case has been dismissed. KillDebt was an excellent tool.

James
Member

He took an appeal against Cavalry SPV. Rather than keep spending on attorneys' fees, opposing counsel offered to dismiss with prejudice with a mutual release.

Gerasimos
Appeal

He walked into a Pennsylvania magisterial district court prepared to challenge the bill of sale and the assignment line by line. It never got that far. The case ended in his favour.

Francis
Magisterial district court
“

I saved thousands of dollars I did not owe.

David
Member
“

Your product works. Well.

Anthony
Writing about his wife's case

He took an appeal against Cavalry SPV. Rather than keep spending on attorneys' fees, opposing counsel offered to dismiss with prejudice with a mutual release.

Gerasimos
Appeal

He walked into a Pennsylvania magisterial district court prepared to challenge the bill of sale and the assignment line by line. It never got that far. The case ended in his favour.

Francis
Magisterial district court
“

I saved thousands of dollars I did not owe.

David
Member
“

Your product works. Well.

Anthony
Writing about his wife's case

He took an appeal against Cavalry SPV. Rather than keep spending on attorneys' fees, opposing counsel offered to dismiss with prejudice with a mutual release.

Gerasimos
Appeal

He walked into a Pennsylvania magisterial district court prepared to challenge the bill of sale and the assignment line by line. It never got that far. The case ended in his favour.

Francis
Magisterial district court
“

I saved thousands of dollars I did not owe.

David
Member
“

Your product works. Well.

Anthony
Writing about his wife's case

Results vary. Every case is different and nothing here predicts how any other case will end.

Fair questions

Four things you are probably thinking. Straight answers.

01

"Would you rather hire a lawyer?"

Then do that. We mean it. Knowing what a counter affidavit is and what belongs in discovery makes you a better client either way, and you will be able to tell whether the office you hire is doing the work. What we would rather you not do is nothing.

02

"Is this just a chatbot with a legal skin on it?"

The chat window was the last thing built, not the first. KillDebt started as Brian Parker's education library and that library is ParkerGPT's knowledge base. It searches real case law and real court rules, produces documents members file, and holds your case in memory between sessions. It is not a lawyer and it does not give legal advice. You run the case.

03

"AI makes things up. This is a court filing."

Correct thing to worry about. So Case Searcher does not run on the model's memory. It sits on millions of real decisions across 472 jurisdictions, the same case law infrastructure the enterprise platforms attorneys pay for are built on, and every result comes back with a link to the full opinion. Then, you open it, read it, and verify.

04 · THE REAL ONE

"Let's talk about the price."

A judgment is not a bill you can ignore. Depending on your state, it is the thing that lets a collector go to your employer for part of your paycheck, or to your bank for what is sitting in the account, while interest keeps running on the balance. Some states allow a lien against property. Exemptions and limits vary, and this is not legal advice about your case.

That is what sits on the other side of $175. And if the money genuinely is not there this month, watch Brian's videos on YouTube for help, and file anyway, without us. Not filing is the only move that helps them.

No contract. No retainer. Instant access.

Call an attorney, ask what the retainer is, then come back and pick a plan.

Quarterly locks a lower rate
Monthly
Quarterly
Defend with confidence

Basic

Everything you need to answer, hold them to discovery, and keep your case organized.

$175/month
Billed monthly. Switch to quarterly anytime.
Start Basic
Everything you get
Enhanced ParkerGPT with Rocket Booster
Personalized documents and Cheat Sheets
Persistent case memory and artifact storage
Case Searcher and SEC Filings Searcher
My Briefcase, Calendar with reminders, File Drive
The video and document library
Community Portal access
Court Tester, Pro only
Priority Support, Pro only
Includes Court Tester
Defend aggressively

Pro

Everything in Basic, plus a room to rehearse in and faster answers when you need them.

$229/month
Billed monthly. Switch to quarterly anytime.
Start Pro
Everything in Basic, plus
Court Tester simulator
Role play cross examination, motion arguments, and judge questioning. Rehearse before you walk in.
20% off every Debt Doc Audit
A permanent discount on the forensic audit. Pays the Pro upgrade back in a single use.
Priority Support
Faster responses from the support team.
Includes everything in Basic
ParkerGPT, documents, Cheat Sheets, case memory
Case Searcher and SEC Filings Searcher
Briefcase, Calendar, Community, Library

Brian Parker

They do this all day and they do not care about your case. You do. Use that.

For more than 30 years, Brian Parker has defended people being sued by debt collectors. Along the way, he created hundreds of videos explaining what he learned in plain English.

The collector’s attorney handles cases like this every day. You may be dealing with it for the first time, during an already stressful time in your life. They simply have more experience and repetition.

That experience and Brian’s library became the foundation of ParkerGPT. Instead of just watching videos, ParkerGPT can use the details of your situation to help guide you based on where you are in the process - even at midnight.

You're not alone.

Thirty years of defending these cases, sitting with you while you do it.

Start tonight

Starting at $175 a month. Cancel anytime.

Works in any state. The tools pull your court's actual rules.

Your next step, your tool

Five things this case will ask of you. Here is what you get for each one.

Five things this case will ask of you. Here is what you get for each one.

Response windows vary by state and by court. The dates change, the order does not. Everything on the right is included from the day you subscribe.

Response windows vary by state and by court. The dates change, the order does not. Everything on the right is included from the day you subscribe.

01

Your next step

A written response, filed with the court, before your deadline.

You answer their claims one paragraph at a time: admit, deny, or say you do not have enough information to do either.

An unanswered summons usually becomes a default judgment.

Your tool

ParkerGPT, My Calendar, My Briefcase

ParkerGPTAnswer to ComplaintIllustration
I uploaded the complaint. I do not recognize this account number.
Then we go paragraph by paragraph. Paragraph 4 alleges you opened the account. Do you admit it, deny it, or lack enough information to answer?
Artifact · answer-draft.docx
3. Defendant lacks sufficient information to admit or deny and therefore denies.
4. Defendant denies the allegations of Paragraph 4.
5. Defendant denies that Plaintiff is the owner of the account.
My CalendarAnswer due Tue 24 MarReminder set

02

Your next step

A sworn statement, signed by you, answering theirs.

Their affidavit is signed by one of their own employees. Nobody who ever spoke to you signed it.

An affidavit nobody answers sits in the file unchallenged. One that gets answered has a fight on its hands.

Your tool

The library, ParkerGPT, My Briefcase

Their affidavit
I am an authorized representative of Northridge Asset Group and have personal knowledge of the business records relating to this account.
Signed by their own employee. Never spoke to you.
Your counter affidavit
I have never been contacted by the affiant. I dispute that the records described were reviewed as stated, and I dispute the amount claimed.
Signed by you. Illustration only.
The Counter Affidavit, start to finish
Library · video
Certified mail receipt filed
My Briefcase · kept with the case

03

Your next step

Ask for the paper, in the form your court requires, inside the window it gives you.

Interrogatories are questions answered under oath. Requests for production demand the documents themselves.

Either they produce it and you read it, or they do not, and that is on the record too.

Your tool

ParkerGPT, Rules Searcher

Request for Production · draft
The bill of sale
What transferred this account to them.
The chain of title
Every hand it passed through.
The account records
The statements behind the number.
Rules Searcher
deadline to respond to written discovery
Your court's rule on responses to written discovery
Pulled from the rules your court actually publishes, not a forum guess. Open it and read it.
Deadlines and local rules vary by court.

04

Your next step

Read what they send back. Notice what is not in it.

Look at the dates. Look at whether your account number appears anywhere at all.

This is the stage where a case stops being about how well you argue.

Your tool

Case Searcher, Securitization Searcher

Case Searcherassignee produced no bill of saleIllustration
Marsh v. Ridgeline Recovery Partners LLC
Ct. App. · 2023 · fictional example
Assignee failed to produce documentation connecting the original creditor to the plaintiff.
Open the full opinion
Alder v. Northridge Asset Group
Dist. Ct. · 2022 · fictional example
Affidavit of an employee of the assignee, without supporting records, held insufficient.
Open the full opinion
Searches run against real databases rather than the model's memory, and the decision comes back with the full text attached. Read the case yourself.

05

Your next step

Show up on every date, prepared, and answer the judge's question.

Motions, a conference, a hearing, a trial, an appeal after that. Nobody hands you a rehearsal.

Don't be intimidated by a document that was printed in a batch of four hundred.

Your tool

Court Tester, My Cheat Sheets

Pro

Court TesterSimulation
Judge
Counsel says the account was assigned in March. What is your response to that?
You
Your Honor, the plaintiff has produced no bill of sale for that assignment...
Rehearse the question you are dreading until it stops being the question you are dreading.
My Cheat Sheet
No bill of sale produced
Chain of title incomplete
Account number absent from records
Certified mail receipts, all dates
One page. Yours. Take it in with you.

All five and more are inside, from the day you subscribe.

You still run the case. KillDebt is not a law firm, it does not represent you, and it does not give legal advice. It hands you the thing each stage requires and you sign it.

Start for $175 a month

Ready to take the next step?

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KillDebt

KillDebt is not a law firm and does not provide legal advice. The platform is informational and educational. No attorney-client relationship is created by any subscription, tool, or deliverable. Documents shown on this page are illustrations. They are not real cases, real companies, or real member data.

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