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On January 2nd, 2024, the junk debt buyer Midland Credit Management has sued 122 people in Maricopa County Arizona for charged-off debt alone. This is just one county and one company in one day! This data and screenshot below were obtained from the Justice Courts of Maricopa County website.

Can you imagine how many people are being sued by Midland Credit Management in Arizona, your state, or the United States? Midland Credit Management sues a lot!

The only reason why Midland Credit Management and other junk debt buyers sue so much is because around 95 percent of the time, consumers do not file an answer to the lawsuit, permitting the junk debt buyers to get a default judgment.

Fortunately, you have the option to fight back against these bogus lawsuits. If you file an answer to the lawsuit and dispute the junk debt buyers claim, junk debt buyers like Midland Credit Management will be forced to prove their case. Most of the time, junk debt buyers are not prepared to provide the evidence they need to win.

If 95 percent of people answered the lawsuit and contested the allegations, junk debt buyers would go out of business; it would be too expensive and time consuming to actually work thousands of cases a month.

If you need help filing an answer to a junk debt buyer lawsuit for credit card debt or other debt, consider working with us. We will be in your corner and do everything we can to help you ensure shoddy companies like Midland Credit Management dismiss your case and run away. Email us at [email protected] to get started.

If you are being sued by a junk debt buyer such as Kino Financial or Portfolio Recovery Associates, compelling private arbitration when you file your answer to the lawsuit is a good way to convince the junk debt buyer to dismiss their case against you. What compelling private arbitration does is asks the court to move the case from court to a private arbitration firm like AAA or Jams.

Continuing the case in private arbitration will cost the junk debt buyer thousands of dollars to continue the case against you. Very often, the junk debt buyer will choose to dismiss the case rather than spend the time and money it would take to continue to get a judgment on someone who is actively fighting the lawsuit.

Do you want to see if private arbitration is an option for you in your credit card lawsuit? Do you need assistance with filing an answer and/or compelling private arbitration? Email us today at [email protected], and we will help you win your case!

Are you being sued by a junk debt buyer such as Midland Credit Management or LVNV Funding for credit card debt? Don’t let them get a default judgment. If you answer the lawsuit and dispute the allegations, the junk debt buyer will actually have to prove their case. Most junk debt buyers aren’t prepared to do that.

You’ll want to answer each paragraph and either admit, deny, or state you don’t have enough information to admit or deny, and therefore you deny. You can also admit in part and deny in part if you choose.

In general, it is best to deny the allegations if the company suing you hasn’t proven their claim, a safe response to each paragraph would be “Defendant does not have enough information to admit or deny the allegations in paragraph 1, so therefore denies.”

If you need help with completing an answer to credit card lawsuit, we can help. Email me at [email protected], and we can help you beat this lawsuit! Plans start at only $50!