DebtEliminationTools.com is a repository of the most up-to-date Research Materials consisting of:
· Letters successfully used by Consumers to Stop Collection Harassment & To Get Debt Charged-Off
· Copies of actual pleadings successfully used by Consumers to get lawsuits dismissed
- Copies of actual pleadings successfully used by Consumers to get Default Judgments dismissed
· Templates for Court filings and Court Rules for all states
· Up-to-date case law with explanations on how you can use it to help you deal with Debt Collectors, Consumer Debt Lawsuits, and restoration of your credit.
- Also, up-to-date case law with explanations on how you can use it to help you win lawsuits, overturn judgments and/or restore your credit
- We also purchase and review all of the various "Debt Elimination" programs and or debt discussion boards found on the Internet and find out if they are working for people and or tell you why we believe they are a waste of your time and money
· We originally started collecting these resources in 2003 and today are considered the number one source for research and support for Consumers facing overwhelming debt related issues.
The Tools Found Here Will Provide You With A Valid Alternative To Bankruptcy.
Most people who find themselves deep in debt and unable to meet their minimum payment options are told that their only option is to file bankruptcy. Well, since late 2005 when Congress changed the rules pertaining to bankruptcy, it is no longer a viable option for you.
Now Chapter 7 bankruptcy is almost impossible to qualify for unless you are destitute so you end up having to file Chapter 13 which will force you to give all of your assets and monthly income to a trustee of the court and he will then make payments on your behalf to your creditors for the next 4 or 5 years and then will give you what he thinks is enough for you to live on. Very few people make it through these 4 or 5 years and fall out of bankruptcy and end up still owing the full amount plus interest to all of their creditors.
There Is An Easier & Less Costly Option Available To You.
That option is to simply use your right to STOP MAKING ANY MORE PAYMENTS to your unsecured creditors and force them to follow the various rules and laws in place in an attempt to collect from you.
Why Is Stopping Making Payments Your Best Option?
First of all, you have the RIGHT to STOP MAKING ANY MORE PAYMENTS to unsecured creditors and instead use your money to provide the necessities for you and your family.
The reason this option is the best option available to you is because the day you stop making payments on your unsecured debt within days the "collection game" begins. Creditors and Debt Collectors very seldom follow the rules and abide by the laws that Congress and the Courts force them to abide by in their attempt to get you to start making payments to them again. When you know your rights and the rules and laws that they break and if you have and use the tools that will notify them know that you have proof that they broke some of these rules in their collection efforts against you then they will usually STOP the collection process and write off your debt and move on and go after the tens of thousands of other people in debt who don’t know their rights.
What If You Already Are 3-6 Months Behind In Your Payments, Can This Website Still Help Me?
If you didn’t have the resources and tools found on this website prior to your stopping making payments to your creditors then there is a good chance that one or more of your creditors will file or has already filed a lawsuit against you. Whether you think you owe them money or not, there are specific rules and laws that they MUST follow in order to prove all of their allegations and they must submit admissible evidence in support of their allegations. You have a legal right to challenge their lawsuit and to challenge the admissibility of their evidence and by becoming a member of this site you will have access to the proper tools to be able to do that.
When you file an answer to their lawsuit you force them to prove you owe them the amount they claim that you owe them. That is hard for them to do because believe it or not, they don’t keep very good records. They can't just submit copies of billing statements to prove their case. There are rules of evidence that they must follow in order to prove that you owe them what shows up on the billing statements and that they claim you owe them. It is easier said then done.
Why Creditors Win 97% Of Their Lawsuits
Most creditors that sue you are counting on you giving up your legal right to challenge their lawsuit. That is an easy assumption for them to make because more than 97% of consumers, who get sued by a credit card company, don't challenge the lawsuit by filing a proper answer in the time required by local state law and they end up losing by default. That is what the creditor is counting on you doing as well.
Would You Like To Be One Of The 3% Who Beat Them?
If you are a member of this website you will have access to previous court decisions, tools and templates for the proper documents to file in response to a lawsuit based on previous decisions along with step-by-step instructions on how to prepare and file the proper documents at the court house as it is your right to do.
One of the most important resources on this website is the library of consumer debt court decisions. We believe that you are served best if you know how courts have ruled in the past and how the law is interpreted. With this knowledge you are able to prepare a proper response to a lawsuit based on pleadings successfully used in cases previously won by defendants like yourself.
In many cases, by just filing a response to a creditor lawsuit will get the creditor to dismiss his case. Why would they do that you ask?
Because the lawyers filing these lawsuits don't have the proper documentation to prove their case. They are counting on you not responding and thus winning by default. If you are worried or scared or intimidated, don't be. It is easy to defeat them in court if you have the proper tools. Become a member of this site and you will have access to the proper tools.
Would you like to be one of the debtors who don’t get sued?
If you become a member of this site before you stop making payments on your debts you’ll get access to tools that will discourage creditors from suing you.
If you get sued, how would you like to be one of the 3% who have their lawsuit dismissed?
When your lawsuit gets dismissed a creditor usually walks away from your debt and then it is a simple process to get the debt removed from your credit files so that you can restore your credit score back up to 700+. That is what this membership site is all about.
As a “PAID” member of the DebtEliminationTools.com website you will have access to every single successful technique, tool and resource which our research staff uncover, showing you what specific document and or strategy, other people like you, have already successfully used to eliminate their unsecured debt without having to file bankruptcy. Then once you have eliminated all of your debt you will get access to tools & resources to help you restore your credit score back up to 700+.
Why Do The Tools & Resources On This Site Work?
We believe that you are best served by knowing how various debt related laws have been interpreted and how courts have ruled in the past on credit card related lawsuits. DebtEliminationTools.com is a repository of research materials consisting of the most recent case law and legal interpretations made by various appeals courts across the county that outline what laws and statutes creditors must be follow before they can sue you as well as successful pleadings used in hundreds of cases by debtors (people in debt) to get their lawsuits dismissed. Once we get our hands on these legal decisions and on the pleadings used by a successful debtor defendants we provide our members with step-by-step instructions on who can benefit from this “new” resource and how to use it to get your debt released.
Getting educated on this site and having access to the tools, documents, templates and resources on this site will give you an advantage over both original creditors and 3rd party debt collectors and debt buyers.
When you use your right to fight back and challenge them then they must spend time and money to continue their collection process with no guarantee that they will collect a dime from you so often times they charge-off the debt or dismiss the suit and go away and leave you alone. It simply isn't cost-effective to pursue you any further. Even if they continue on with a lawsuit after you file your response to it then there are many tools on the site that you can use to get the case dismissed and/or win the case. When the case gets dismissed or when they fail to prove their case the debt goes away and it didn't cost you anything other than your time spent using the tools & resources on this website.
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Debt Elimination Tools