This letter is your TUTORIAL and will walk you step-by-step through filling out and filing each document with detailed instructions and explanations. This document holds your hand and explains each step of the process from filing the Notice of Appearance to explaining the Discovery stage of a lawsuit (if your lawsuit makes it that far!).

So many E-books absolutely bombard you with lots of useless information that they use as "filler". My book is "just the facts", the real tools, documents, and letters that you need to be successful in avoiding a judgement, getting creditors off your back, and improving and/or repairing your credit score.

2. Pro Se NOTICE OF APPEARANCE

This document is on pleading paper and is filed with courts and mailed Certified, Return Receipt to the Plantiff (the creditor who is suing you).

This is essentially notifying all interested parties that you are an active participant in the lawsuit, that your address is correct or has been corrected, that you will be representing yourself (Pro Se) and that all further documentation and/or notifications regarding your case must be mailed to you at an address that you designate.

3A. Pro Se ANSWER TO COMPLAINT, AFFIRMATIVE DEFENSES

This document is your weapon. This is the ANSWER to their complaint. First, you must respond to all paragraphs listed in the complaint you received when you were served. You must either affirm, deny, or lack knowledge about each paragraph. My E-Letter and this document will give you examples and walk you through this step.

After you have "Answered" their allegations, we in turn assert our AFFIRMATIVE DEFENSES to their claims.

I have included 13 affirmative defenses in this document. Most of these defenses should be suitable for any type of credit card debt case, some of the defenses only apply if you are being sued by a third party debt collector (which is typically the case, - third-party means that the original credit issuer is not suing you, a collection agency or junk debt buyer is).

This document is formatted as such that anywhere that you need to fill in your personal information (case #, State, Name, etc.) I have yellow highlighted those areas.

Just fill in your details and remove the highlight. Underneath each stated defense is a yellow highlighted note which aids you in deciphering whether or not that defense applies to your particular case. If it does not apply, just delete the paragraph. If it does apply, simply delete the yellow highlighted portion. Once you have reviewed it, simply PRINT and you are ready to file your documents!

3B. STATUTE OF LIMITATIONS ON DEBT by STATE

Note: One of the defenses that I've asserted in the ANSWER is the Statute of Limitations defense. This is very strong since many of these JDB's purchase out-of-statute debt with the idea that most consumers aren't aware of the statutes. If you are certain that your debt is within statutes then simply delete that defense from your document. If not....

Here's the deal.....

I will provide you with a PDF list of the statute of limitations on open, written, and oral debt for your state.

There has been some confusion over whether credit card debt is considered open or written debt as the statutes on each type of debt are drastically different.

Open-ended Accounts: These are revolving lines of credit with varying balances. The best example is a credit card account. Please note: a credit card is ALWAYS an open account. This is established under the Truth-in-Lending Act:

TITLE 15 > CHAPTER 41 > SUBCHAPTER I > Part A > § 1602
§ 1602. Definitions and rules of construction(i) The term “open end credit plan” means a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan which is an open end credit plan within the meaning of the preceding sentence is an open end credit plan even if credit information is verified from time to time.

4. CERTIFICATE OF SERVICE

This document is filed with the court and mailed to the Plaintiff, it simply states that you have filed your Notice of Appearance and Answer, Affirmative Defenses with the court and that copies of said documents have been mailed Certified, Return Receipt to the Plaintiff.

5. DECLARATION OF EXEMPT INCOME & ASSETS

This document is for those individuals who have assets or income that is exempt from garnishment. Examples of such income would be social security or disability income. See the document for the full list.

6. DISCOVERY: PRO SE RESPONSE TO INTERROGATORIES

This discovery document includes Instructions for Answering Interrogatories along with the Response to Interrogatories document that allows for 15 responses w/ an extra page built in if you need to add more.

7. DISCOVERY: PRO SE REQUEST FOR PRODUCTION OF   DOCUMENTS

This discovery document includes requests for 17 items of documentation for the Plaintiff to back up their lawsuit claims. This is where the "big guns" come out.  Very few third-party collectors can produce the documentation to prove that they are legally entitled to collect your debt.

8. BLANK 28 LINED PLEADING PAPER IN WORD

This is a blank 28 lined pleading paper document for additional pages or additional documents should the need arise.

9. CEASE AND DESIST LETTER

This is the letter that bars the collector's from phoning you at home or work AND bars them from contacting your employer, neighbors, family and friends. This document instructs them to communicate with you by written correspondence only at an address that you designate.

If they do violate this request (which most won't) you can turn the tables on them and sue for $1,000 for each infraction as they will be in violation of the Fair Debt Collection Practices Act, Section 1292(c)......so if you do get a phone call after you've sent this letter (Certified, Return Receipt of course!) please keep a log for reference.

10. EXAMPLE OF A RECENT DEBT LAWSUIT

What To Expect In the Courtroom.  This document divulges the details of a recent credit card debt lawsuit that went to trial. I reveal what was said, what questions were asked and how a favorable verdict for the Defendant was reached.

11. PRIORITIZATION OF DEBT - WHO TO PAY FIRST?

This document is a must-read for anyone struggling to pay ALL of the bills each month. It explains your legal obligations on various types of debt and budget items. If a debt must be defaulted upon in order to put food on the table, this document will reveal what kind of impact the default will have and what recourses are available to the creditor and the debtor.


You'll Receive 25 Documents In All!

That's alot of money for one document!

I am not a lawyer, nor do I claim to have any particular expertise in this area.

I'm just an average person who decided to do my homework on this issue and try to save myself $5,000K!

It worked for me and I believe that it can work for you!

Instant Download! 

Only $37!

It would cost you half of that in gas just to get to the library!



I know most plain old credit repair Ebooks on the web are charging $50 to $200 but I wanted this package to be affordable and accessible to those that really need it.

But...that's not all!!! 

I've included 3 AWESOME BONUSES that you will help get your credit back on track and clean up your credit report.

You'll receive:

Bonus #1: 5 Sample Dispute Letters to Creditors & Credit Reporting Agencies, Plus a Settlement Letter!

Bonus #2: IMPROVE YOUR CREDIT SCORE IN 24 HRS EBOOK!

***Three new techniques to improve your score in 24 hours

***Unpublished phone & fax numbers for Equifax, Experian, & Transunion for quicker results!

***A little known timing trick that will improve your credit score 15-30 points each month.

***What the credit bureaus don't tell you...

***How to avoid a lender inadvertently "pulling" a lower score

***The 5 elements that determine your credit scores and how to leverage them to your advantage

***A full credit "game plan" to put your credit on the right track!

BONUS #3: 101 TIPS & STRATEGIES TO LEGALLY IMPROVE YOUR CREDIT SCORE!3: 101 TIPS & STRATEGIES TO UNDERSTAND & IMPROVE YOUR CRED
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Please see full legal disclaimer by clicking on Disclaimer tab at the top of this page.  Please read full legal disclaimer in the introduction portion of Document (A).  I am not a lawyer.  This is not legal advice.  All advice and/or strategies contained herein are strictly from personal experience and author will not be held liable for the outcome of implementing any or all of the strategies, documents and advice contained within this webpage and resulting ebook package.  Use at your own risk.