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DEBT FORGIVENESS Volume 2 WHEN CREDITORS DECIDE TO SUE: Erase Your Credit Card Debts
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About DEBT FORGIVENESS Volume 2 WHEN CREDITORS
***SECOND EDITION***This book reveals various Consumer Protection Laws such as the Title and Section below that you can use to defend against junk debt collectors and creditors’ claims for alleged credit card debts:15 U.S. Code § 1643(b) - Liability of holder of credit card(b) Burden of proof In any action by a card issuer to enforce liability for the use of a credit card, the burden of proof is upon the card issuer to show that the use was authorized or, if the use was unauthorized, then the burden of proof is upon the card issuer to show that the conditions of liability for the unauthorized use of a credit card, as set forth in subsection (a), have been met.******************We learned in Volume 1 that you can obtain credit card debt forgiveness if you write your creditors a simple, properly worded negotiation letter. This book, Volume 2 is about various measures you can take if your creditors refuse to cooperate and decide to sue instead. The methods and strategies in this book may be put to use in dealing with credit card debt as well as other unsecured consumer debts. It contains sample forms such as, Validation of Debt Letter, Cease and Desist, Answer and Affirmative Defenses to Complaint, Request for Production of Documents, Refusal of Arbitration, Opposition to Plaintiff’s Motion for Summary Judgment, sample letter to IRS disputing creditor’s Form 1099-C (CODI-Cancellation of Debt Income). Volume 1 provided the reader the guidance for negotiating credit card debt down to 5% and gave the reader a better understanding of the collection process. This book provides the necessary tools in dealing with the negotiation-resistant creditor and how to use the system legally to obtain debt forgiveness. Although there are no guarantees, the methods and strategies discussed in this book worked for me. When I sent my creditors the Validation of Debt letter, my creditors were not able to validate my alleged debts. My creditors could not produce the documents requested in m
