How Member Got Synchrony Bank to DISMISS His $6,000 Debt Case With Prejudice -Full Strategy Revealed

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How Member Got Synchrony Bank to DISMISS His $6,000 Debt Case With Prejudice -Full Strategy Revealed

Includes Full-Length Instructional Video, Document Downloads, Key Points & Practical Strategies

Synchrony Bank Debt Collection Defense: Complete Dismissal with Prejudice Using Counter-Claims and Default Judgment Strategy

This case study demonstrates how a KillDebt.com member achieved a complete dismissal with prejudice against Synchrony Bank in a PayPal debt collection lawsuit. The member employed multiple strategic approaches, including filing counterclaims under the FDCPA, Washington Collection Agency Act, and Consumer Protection Act, while leveraging the law firm’s procedural failures, such as missed deadlines on requests for admissions and counterclaim responses. The key turning point came when the debt collection attorney failed to respond to the counterclaim within the required 20-day deadline, allowing the member to file a motion for default judgment as leverage. The case highlights critical vulnerabilities in debt collection practices, including improper use of FDCPA mini-Miranda warnings by creditors, failure to prove chain of title for assigned debts, and violations of cease and desist communications. The member’s strategic use of hardship documentation (Social Security income protection) and aggressive discovery tactics, combined with the law firm’s procedural negligence, created sufficient leverage to force a dismissal with prejudice rather than the initially offered dismissal without prejudice.

Documents included with this video:

• Synchrony Bank Debt Collection Complaint Analysis
Complete breakdown of Synchrony Bank’s debt collection complaint template showing standard litigation tactics and defendant response options in Washington State.

• Synchrony Bank Answer and Affirmative Defenses
Complete answer template for defending Synchrony Bank debt collection lawsuits using securitization arguments and comprehensive affirmative defenses under federal and Washington state law.

• Synchrony Bank Counterclaim Strategy Document
Comprehensive counterclaim document showing how to challenge Synchrony Bank’s debt collection practices using FDCPA violations, state consumer protection laws, and debt ownership challenges.

• Capital One Hardship Affidavit Securitization Defense
Advanced hardship affidavit combining elderly care circumstances with Capital One securitization challenges and FDCPA counterclaim strategies for comprehensive debt defense.

• Synchrony Bank Interrogatories – Standing Challenge
Strategic interrogatories designed to challenge Synchrony Bank’s legal standing to sue by questioning debt ownership and securitization issues.

• Synchrony Bank Default Motion Template
Complete motion template showing how to win default judgment against debt collectors who fail to respond to counterclaims, including FDCPA and state law violations.

• SEC EDGAR Securitization Research Guide
Essential research guide showing how to access SEC filings that reveal debt securitization activities and ownership transfers for major creditors.

• Synchrony Bank Document Request Discovery Template
Strategic discovery template showing how to demand critical ownership documents from Synchrony Bank in debt collection lawsuits. Targets trust transfers and charge-off records.

• Synchrony Bank Collection Defense Victory
Complete case study showing how securitization arguments and procedural leverage defeated Synchrony Bank’s debt collection lawsuit, resulting in dismissal with prejudice.

• ParkerGPT AI Debt Response System Guide
Complete 16-step checklist for using AI to generate professional debt collection lawsuit responses, including answers, affidavits, and counterclaims with automated FDCPA defenses.

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