Lisa Marie Budgets
lisasdebtfreejourney@gmail.com

Things I use for filming:
Iphone 6S: https://amzn.to/2Jhmg6o
Cell Phone Stand/Holder: https://amzn.to/2Xv13d9
Wood grain contact paper: https://amzn.to/3l9W9Ow
Cash Envelopes used – Our Budget Life Etsy: https://etsy.me/2ByFVxn

Debt as of 2/1/2019 $55,900
Debt as of 5/18/19 $39,100
Debt as of 6/20/2019 $38,363
Debt as of 7/1/2019 $31,835
Debt as of 7/12/2019 $31,362
Debt as of 9/1/2019 $29,857
Debt as of 10/18/2019 $28,439
Debt as of 11/15/2019 $27,494
Debt as of 1/1/2020 $26,076
Debt as of 3/1/2020 $24,186
Debt as of 4/1/2020 $16,951
Debt as of 5/1/2020 $13,901
Debt as of 7/1/2020 $10,954
Debt as of 8/7/2020 $10,120
Debt as of 9/1/2020 $9,973
Debt as of 10/2/2020 $5568
Debt as of 11/1/2020 $4023
Debt as of 12/1/2020 $1407
Debt as of 12/11/2020 $0

Please note: I am not a financial advisor. This video is for entertainment purposes only.

Disclosure: Please note that some of the links above are affiliate links, and at no additional cost to you, I will earn a commission if you decide to make a purchase after clicking through the link. Please understand that I have experienced all of these companies, and I recommend them because they are helpful and useful, not because of the small commissions I make if you decide to buy something through my links. Please do not spend any money on these products unless you feel you need them or that they will help you achieve your goals. Lisa Marie Budgets
lisasdebtfreejourney@gmail.com
2227 Old Bridge Road # 185
Woodbridge VA 22192

IBotta referral code apfclil: https://ibotta.onelink.me/iUfE/8cc13c64?friend_code=apfclil

Nutstop

Cash Envelopes used – Our Budget Life Etsy: https://etsy.me/2ByFVxn

Happy Planner used https://thehappyplanner.com/collections/happy-planners/products/hp-cls-glitter-paint

Clever Fox A5 Journal: https://cleverfoxplanner.com/collections/dotted-journal-2-0

Filming:
Iphone 6S: https://amzn.to/2Jhmg6o

Cell Phone Stand/Holder: https://amzn.to/2Xv13d9

Debt as of 2/1/2019: $55,900
Debt as of 5/18/19: $39,100
Debt as of 6/20/2019: $38,363
Debt as of 7/1/2019: $31,835
Debt as of 7/12/2019 $31,362.31
Debt as of 9/1/2019 $29,857.42
Debt as of 10/18/2019 $28,439.35
Debt as of 11/15/2019 27,494.97
Debt as of 1/1/2020 26,076.90
Debt as of 3/1/2020 24,186.14
Debt as of 4/1/2020 16,951.44
Debt as of 5/1/2020 13,901.00
Debt as of 7/1/2020 10,954.00
Debt as of 8/7/2020 10,120.00

Disclosure: Please note that some of the links above are affiliate links, and at no additional cost to you, I will earn a commission if you decide to make a purchase after clicking through the link. Please understand that I have experienced all of these companies, and I recommend them because they are helpful and useful, not because of the small commissions I make if you decide to buy something through my links. Please do not spend any money on these products unless you feel you need them or that they will help you achieve your goals.

Go here to settle before you go to court: https://bit.ly/3X32ZJv
Go here to respond to your debt lawsuit: https://bit.ly/3qlXTtd
Questions? Ask here for fastest response: https://tinyurl.com/SoloSuit-Questions

11 tips to win your debt collection lawsuit in court

Discovery
Disclosure and discovery
Depositions – sworn testimony
Interrogatories – written answers to questions
Request for production of documents
Information about what the claim is based upon
A “charge off,” or summary of where the debt stopped being paid off
Payment history
Balance statement
Bill of Sale – if the collection involves a debt buyer/assignee.
Show up
Theory of the case – how you’re going to win.
Pretrial conference – Rule 16(c) FRCP
Meeting between parties and judge.
Discuss schedule, content, ADR, summary judgment.
Consider keeping a trial notebook
Documents filed in court
Info about parties.
Witnesses
Evidence
Get it.
Organize it.
Follow your court’s rules to submit it.
Judge trial or jury trial
Default is a judge trial
Rule 38(b) requires you to request a jury trial.
7th amendment provides the right to a jury trial in civil cases over $20.
If you’re being sued for that toaster you bought for $19.99, sorry, you’re SOL.
Anatomy of the trial. Can be called a hearing.
Opening statements
Plaintiff makes their case
Burden of proof is on them.
Defendant makes their case
You may only need to cross examine their witness
Ask permission before presenting evidence.
Closing arguments
Jury instructions
Jury deliberation
The judge may present a decision at the end of the hearing or issue a written decision later.
The junk debt collector will call a witness.
It will be over the phone
It will be a rep for the debt collector,
The attorney will walk them through the debt
Cross examine them by asking questions to show they don’t know what they’re talking about.
They never have a witness from the original creditor.
The debt collector doesn’t have any independent knowledge about the debt.
Don’t ask questions you don’t know the answer to.
Ask leading questions.
Ask these questions
Did you review the documents and exhibits that you just testified about?
Yes
When was that?
An hour ago
Did you ever look at them previously?
No
Have you ever worked for the original creditor?
No
Did the original creditor ever teach you on how they keep their records?
No
Prior to your testimony did you contact the original creditor to confirm the amount owed?
No
Have you ever seen or read the bill of sale for the debt?
Has the bill of sale been disclosed in this case?
General tips for the hearing
It’s long. Plan on being at court for most of the day.
Know where you’re court is so you’re not late.
Have all of your evidence ready
Dress to impress. Don’t be a scrub.
Generally, you need to be represented by you our your lawyer only.
Arrive early.
Prepare for airport-like security.
Eventually your case will be called. Stand and identify yourself. Ask the judge or the security guard where you should stand.
Refer to the judge as “Your honor”
Do not interrupt other people, especially the judge.
Have fun!

When you are faced with a debt collection lawsuit knowing what to do can make all the difference. But sometimes doing nothing is an option. In this video Lawyer John Skiba shares when you might consider that approach.

???Representing yourself in Court? Check out my online tutorial that will give you tips and strategies to handle your case like a pro! ???????????? https://skibalaw.com/sued-by-debt-collector/

???????? Book an appointment to speak with John: (Arizona Residents Only) (480) 907-3388.

?????????????????????????

MORE ABOUT JOHN SKIBA
John Skiba is a bankruptcy & consumer protection attorney in the state of Arizona.

John helps clients with chapter 7 bankruptcy & chapter 13 bankruptcy for Arizona residents.

???????????????????? ARIZONA RESIDENTS ONLY: If you live in the state of Arizona and need help with a junk debt buyer lawsuit or need to file bankruptcy I can help you directly.

???????? Talk to John now! https://go.consumerwarrior.com/call-now
???????? Book an appointment to speak with John https://go.consumerwarrior.com/call-now

John offers informational products and strategies for consumers facing serious debt problems – particularly those being sued by junk debt buyers like Midland Funding, Portfolio Recovery Associates, Cavalry SPV, and many more.

???Forms, Templates and Video Tutorials can be found at ???????????? http://consumer-warrior-project.think…

???? Subscribe for more free debt elimination strategies and tips: https://www.youtube.com/user/skibalawgroup/?sub_confirmation=1

——————————————————————————–

????Check out these other Consumer Warrior tutorials:

???? How to Draft an Answer to a Debt Collection Lawsuit – http://consumer-warrior-project.thinkific.com/courses/answer
???? How to Win a Debt Collection Lawsuit by Compelling Private Arbitration – http://consumer-warrior-project.thinkific.com/courses/arbitration
???? How to Draft a Response to a Motion for Summary Judgment – http://consumer-warrior-project.thinkific.com/courses/summaryjudgment
???? How to Prepare and Defend Yourself at a Debt Collection Trial – http://consumer-warrior-project.thinkific.com/courses/how-to-prepare-defend-yourself-at-a-debt-collection-trial
???? How to Defend a Debt Collection Lawsuit From Beginning to End – http://consumer-warrior-project.thinkific.com/bundles/debtbuyerbundle
???? How to Eliminate a Default Judgment – http://consumer-warrior-project.thinkific.com/courses/how-to-vacate-a-default-judgment
???? Proven Strategies for Settling Debt for Less than Owed – http://consumer-warrior-project.thinkific.com/courses/debtsettlement
???? How to Become Debt Free through Bankruptcy or Debt Settlement – http://consumer-warrior-project.thinkific.com/bundles/debt-settlement-bankruptcy
???? Complete Consumer Warrior Tutorial DIY Library – http://consumer-warrior-project.thinkific.com/bundles/all-courses-bundle

In this video, bankruptcy attorney John Skiba delves into the world of debt collection lawsuits, shedding light on the crucial role of mediation and arbitration in achieving effective resolutions. Discover how these alternative dispute resolution methods can help both creditors and debtors navigate the legal landscape with fairness and efficiency.

Whether you find yourself as a creditor looking to recover funds or a debtor seeking to resolve financial obligations, understanding the advantages of mediation and arbitration is absolutely crucial. This video equips you with practical strategies and a deeper understanding of these alternative dispute resolution methods, enabling you to navigate debt collection lawsuits successfully. Watch now!

#debt #bankruptcy #attorney

????????? Book an appointment to speak with John https://go.consumerwarrior.com/call-now
???? Call John at (480) 907-3388 to schedule a FREE consultation.

MORE ABOUT JOHN SKIBA
John Skiba is a bankruptcy & consumer protection attorney in the state of Arizona.

John helps clients with chapter 7 bankruptcy & chapter 13 bankruptcy for Arizona residents.

???????????????????? ARIZONA RESIDENTS ONLY: If you live in the state of Arizona and need help with a junk debt buyer lawsuit or need to file bankruptcy I can help you directly.

???????? Talk to John now! https://go.consumerwarrior.com/call-now

????????? Book an appointment to speak with John https://go.consumerwarrior.com/call-now

John offers informational products and strategies for consumers facing serious debt problems – particularly those being sued by junk debt buyers like Midland Funding, Portfolio Recovery Associates, Cavalry SPV, and many more.

??? Forms, Templates and Video Tutorials can be found at ???????????????????????? http://consumer-warrior-project.thinkific.com/

?????????????????????????

KEY MOMENTS

0:00 Introduction On Debt Collection Lawsuit: Exploring Mediation and Arbitration for Effective Resolution
0:29 Debt Collection Lawsuits
0:35 Difference Between Mediation and Arbitration
1:02 What is Mediation?
2:00 Benefits of Mediation
2:42 Private Mediator
3:23 What is Arbitration?
3:32 Compulsory Arbitration
5:31 Private Arbitration
6:02 Hiring An Arbitrator
7:17 Final Thoughts

?????????????????????????

MORE ABOUT JOHN SKIBA
John Skiba is a bankruptcy & consumer protection attorney in the state of Arizona.

John helps clients with chapter 7 bankruptcy & chapter 13 bankruptcy for Arizona residents.

???????????????????? ARIZONA RESIDENTS ONLY: If you live in the state of Arizona and need help with a junk debt buyer lawsuit or need to file bankruptcy I can help you directly.

???????? Talk to John now! https://go.consumerwarrior.com/call-now
???????? Book an appointment to speak with John https://go.consumerwarrior.com/call-now

John offers informational products and strategies for consumers facing serious debt problems – particularly those being sued by junk debt buyers like Midland Funding, Portfolio Recovery Associates, Cavalry SPV, and many more.

???Forms, Templates and Video Tutorials can be found at ???????????? http://consumer-warrior-project.thinkific.com/

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Tye Bourdony of cfmediationcenter.com discusses with Mac and Natalia of OPLawyers.org how to settle small claims court lawsuits involving debts such as credit card debts. Particularly how non-lawyered defendants can negotiate with the other side at mediation the most-effective ways to resolve a debt claim.

Published by attorneys and mediators of at InstantMediations.com and OPLawyers.org this channel covers the exciting world of law, mediation, arbitration, and online practice using technology.

Mounting bad debts?
Increasing NPL (non-performing loans)?
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We are a Credit and Collection Management Agency.
We’ll help you manage your bad debts or aging accounts/loan receivables. We also conduct customized inhouse training programs. Allow us to us help you obtain your targeted collection goals.
Contact us at +63 09178876383 (WhatsApp/Viber)

Florida mediator Tye Bourdony of Cfmediationcenter.com discusses debt collections type of cases in small claims court and how they too can be resolved privately between the parties instead of before a Judge. This is not legal advice, so be sure to discuss your specific issue with an attorney.

Published by attorneys and mediators of Olowska & Pierre, Inc. (oplawyers.org) and Instant Mediations, LLC. (InstantMediations.com), this channel covers the exciting world of law, mediation, arbitration, and online practice.

For information about our new Fast Track membership, go here: https://yourlegallegup.com/blog/fast-track-to-victory-over-debt-collectors/.

Arbitration is different from mediation, which is voluntary. Instead, arbitration is an alternative type of court, where the arbitrator renders a judgment. The debt collectors (and big money in general) like it because it makes it easier for them to get a judgment against you. It typically has easier rules of evidence and reduced discovery, and appeals are nearly impossible. So we generally suggest against it – to put it mildly. But if you happen to have everything you need, we still suggest against it because of its lack of “transparency” and the fact that arbitrators are often loyal to the debt collection side.