News Break Blog

Being served with a debt collection lawsuit triggers one immediate question: How much time do I actually have to respond? The answer is rarely straightforward. Response deadlines vary by state, court type, method of service, and even how days are cou… Read More

You do not always need a lawyer to defend yourself in a debt collection lawsuit. In many cases, especially debt buyer lawsuits under ten thousand dollars, people successfully defend themselves without an attorney when they understand the rules, deadl… Read More

When someone hands you legal papers saying you’re being sued by a debt collector, you’re actually receiving two completely different documents. Most people don’t realize this, and it costs them dearly. After 30 years of defending co… Read More

Getting sued by a debt collector can feel overwhelming and scary. You’re not alone. Research from The Pew Charitable Trusts found that in jurisdictions where courts track consumer debt cases, more than 70 percent end in default judgments becaus… Read More

The Debt Lawsuit Comeback: Data You Can’t Ignore According to a detailed study by January Advisors, consumer debt cases dropped sharply during the pandemic but have surged again in 2024 and 2025 – now surpassing pre-pandemic levels across much of… Read More

Why Bills of Sale Are NOT Legal Assignments Debt collectors routinely use Bills of Sale to claim ownership of your debt, but here’s the truth: a Bill of Sale is just a receipt for a portfolio transaction, not an assignment of your specific debt… Read More

The Result That Proves Fighting Back Works We just received an incredible testimonial that perfectly demonstrates why you should never give up when facing a debt collection lawsuit. A defendant successfully got Midland Credit Management’s case… Read More

No, it is not Halloween. But there is something scary on the horizon. Old HELOC, Second Notes and foreclosure debt from the financial mortgage crisis is making its way back in the form of debt collection lawsuits. My new Zombie Debt video advises how… Read More