What kind of debts can be included in the process?
All unsecured consumer and business debts including bank and store credit cards, signature loans, student loans, balance transfers, overdraft agreements, and accounts sold to debt collectors, including medical expenses.
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Do all of our accounts have to be included in the process?
No, you can include any or all of your accounts in the process.
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Is there a limit to the number of accounts that can be included in the process?
No, there is no limit.
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Can I keep any of my credit card accounts if I enroll in the process?
Yes, you can keep and continue to use any number of accounts you currently have, however you must maintain a current payment status for those accounts.
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What are the differences between unsecured consumer and business debts
Unsecured consumer and business accounts must be accurately classified at the time of enrollment to ensure appropriate Federal and State laws are correctly applied when communicating with original creditors, debt collectors, Courts, and other parties. These laws are not interchangeable.
For example, the Fair Debt Collection Practices Act (FDCPA) is a consumer protection law frequently cited in Federal Complaints when pursuing consumer account violations committed by original creditors and debt collectors. It can only be applied to consumer account claims and if incorrectly used for a business account claim, the effect upon a client will be devastating.
Unsecured consumer debt accounts include personal credit cards, signature loans, balance transfers, overdraft and line of credit agreements, etc., used for food, clothing, shelter, and ordinary household expenses, such as medical expenses, prescriptions, vacation travel, etc. Business travel, business entertainment and some other types of expenses incurred on behalf of a business entity and charged on a personal credit card can also be included, but only if the expense is reimbursed by the business to the consumer, and not paid directly to the creditor by the business.
Unsecured business debt accounts include any business related expense not specifically defined above, any purchase, including personal purchases, using a commercial or business loan, line of credit, overdraft agreement or credit card account for any purpose, any business account where an original creditor required a Social Security number to open the account, or any account where a business name appears on the account statement.
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How can the process possibly be legal and ethical?
We believe creditors, debt collectors and consumer reporting bureaus must comply with the law and conform with generally accepted business and accounting practices. When they fail to conform or comply, we hold the offenders accountable for their actions, including how they charge, collect, maintain records, conduct themselves and fail to comply with Federal and State laws, including State jurisdictional variations.
Most people are unaware that they have significant rights under existing Federal consumer protection laws drafted by the United States Federal Trade Commission and enacted by Congress, or that comparable consumer and business protection laws also exist within each State.
The most significant Federal consumer protection laws can be reviewed by clicking the following links, however businesses are not afforded any protection under these laws. Instead, the business account aspect of the process relies solely upon comparable State protection laws.
Under Federal law, consumers may withhold payments when a debt is legitimately disputed and legitimately disputing unsecured debts is part of the process. The discovery, auditing, documentation and pursuit of unsecured consumer and business debt claim irregularities in accordance with the law is a significant part of the process.
We legally, ethically and legitimately dispute all general debt claims, debt ownership claims, and all other debt claim irregularities made by original creditors, debt collectors and credit reporting bureaus. When debt reduction offers made by original creditors as a result of the correspondence sent to them are deemed unsatisfactory, or otherwise unacceptable to our client, or the creditor is unable to sustain the burden of proof associated with ownership of the debt in accordance with Generally Accepted Accounting Practices (GAAP), they assign or sell the debt to a collection agent or third party debt collector for a percentage of its value, instead of initiating collection actions on their own.
Using the banks name and amount of the alleged debt as a reference, debt collectors frequently attempt to collect the full amount under the guise that they are representing the original creditor, which is illegal. This, and other violations of the law committed by debt collectors, can result in the threat of a lawsuit being filed by an attorney on your behalf, including a demand for the debt collector to write-off the debt without any tax liability incurred by you and monetary compensation for the violations committed against you by the collector.
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Aren't monthly credit card statements I receive proof of a valid debt?
No. A paper trail is created when the original creditor and/or debt collector are informed that uncertified statements of an account are not lawful evidence that a legitimate debt exists. This not only disputes the account and legitimacy of its alleged charges, but also serves to establish, identify and develop claims demonstrating the creditor and/or debt collector is not in compliance with the Fair Credit Reporting Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, The Truth In Lending Act and other State and Federal protection laws. These claims are separate and apart from any claims that a collector may try to assert against you.
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Should I continue making consumer account payments after I enroll in the process?
Each consumer account you include in the process will be disputed to the fullest extent allowed by law. The Fair Debt Collection Practices Act 15 U.S.C. §1692, et seq. provides for the withholding of payments during the dispute of a debt, and the Fair Credit Billing Act allows for the withholding of payment during a billing dispute. This does not apply to business accounts
It is entirely up to you about whether or not to make payments on an account being disputed. If you want to continue making payments, they should be made under protest or duress and that fact should be communicated on the payment instrument itself.
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Who actually performs and supports the process?
Excluding activities where our attorneys co-counsel with attorneys in jurisdictions where we do not have a direct presence, all other activities are performed and supported by our in-house client support, legal and administrative personnel.
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How long does it take to complete the process?
Each client has different circumstances and as with any legal process, it is impossible to predict the amount of time necessary to complete the process. Although there are exceptions, the typical amount of time has been between twelve to eighteen months.
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Can I enroll in the process if I am not behind on my account payments?
Yes, and there are several advantages in doing so. More time is available to develop a solid foundation for viable claims on your behalf and the likelihood of you making mistakes when communicating with original creditors, debt collectors and credit reporting bureaus significantly declines. It should be understood this will result in your credit scores declining, which is addressed when the negative and derogatory comments in your credit reports are disputed.
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Can my spouse, significant other, parent or child also be included when I enroll in the process?
Yes. Your enrollment includes one adult, or husband and wife, or any two adults living together at the same address for at least one year as confirmed by the address appearing on their individual credit reports.
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Can you help me with private and government backed student loan debts?
Yes. Your student loan payments can be current or in default, however the account cannot be in deferment, forbearance or rehabilitation.
Under existing laws, a private or government backed student loan debt account must be sold to a debt collector after 270 continuous days of non-payment if monthly payments are defined in the loan agreement, or 330 continuous days if other payment terms are defined. During this default period, a meticulous paper trail is established as part of an ongoing compliance audit documenting each loan program violation and irregularity committed by the loan's credit grantor. To date, there has not been one client's student loan account where the creditor grantor complied with the terms and conditions of their own loan program.
After the account is sold, the audit is integrated with other process components similar to those described throughout this web site for third party debt collector activities.
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Can you help me with auto loans?
Although the process does not support auto and other secured loans, we may be able to help if the account was sold to a debt collector, or if you possess irrefutable evidence confirming that you were harassed, or abused, by a third party debt collector.
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Can you restore my credit rating?
Disputing all negative and derogatory comments appearing in a clients Equifax, Experian and TransUnion consumer credit reports, including those for accounts which are not included in the process, is a service provided to each client at no additional charge. Letters are sent to each credit reporting bureau demanding the negative comments be verified in accordance the law. It is extremely rare for the demand to be satisfied, and the bureaus must remove the comments if they do not satisfy the demand. As a result, higher credit scores are generally realized when credit reporting bureaus remove these comments.
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Will enrollment in the process cause a foreclosure on my home, or my car to be repossessed?
No. Your secured loans and assets will not be affected.
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Can you help if my car was repossessed?
We cannot help if you still have possession of the car. Car loan balances can be addressed only if the car was involuntarily repossessed and money is still outstanding. We may also be able to help if you were harassed, or otherwise abused, when the car was repossessed.
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Can medical bills be entered into the process?
Only after the accounts are sold to third party debt collectors, or if you possess irrefutable evidence that your health information, or related privacy rights, have been violated.
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Are judgments included in the process?
Judgments are generally not included, especially if they are more than 30 days old, however there are exceptions. We may be able to help if it can be proven that a creditor, debt collector or attorney presented false information (deliberately or otherwise), made critical mistakes, or committed significant procedural errors when the petition or complaint was filed with the Court.
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Can we buy a new car or house while we are in the process?
If you planning to buy a car or house after enrolling in the process, you should complete your purchase and then enroll. Alternatively, if you wait until the process is completed and your credit is restored before purchasing these items, you may be qualified for a lower interest rate on your purchase.
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Can the process help me if a creditor, attorney or third party collection agent tries to force me to accept or participate in binding arbitration?
Yes. The legality and enforceability of binding arbitration in adhesion contracts, such as agreement amendments included with credit card statements, has been successfully tested in numerous State courts. Every State has different arbitration rules and this is one of many areas where our State law activities provide significant benefits to our clients.
The following links provide an excellent reference point that will assist you in understanding arbitration as it relates to credit collection practices.
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Will I be sued?
Possibly. If you are summoned for a State Court collection action, one or more appropriate responses will be provided to you at no charge for completion and presentation to the Court. Although these documents are not difficult to complete, our Legal Department can also refer you to a local attorney who, if available, will do this for you at competitive rates.
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What will happen to my credit history upon successful completion of the process?
In most cases, the negative comments or late payment notations for the process accounts are removed from your credit report, thus your credit score increases and you will qualify for credit as if those accounts never existed.
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What personal information do I have to provide when I enroll?
Your name, your spouse's name if applicable, address, telephone number, email address, the number and type of accounts you want to include in the process and their payment status are required in order to prepare a process enrollment agreement. You do not have to provide any information about the amount of your debts, your employment or finances, including assets, mortgage, rent, monthly expenses or other debts.
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Are there any additional process costs after enrollment?
Yes. If you have access to a computer with a recent version of Microsoft Word, a printer, fax capabilities and email access, there will be recurring costs for mailing and faxing documents, and telephone calls.
Excluding actions where State Court related materials are provided by us for completion and filing by the client, Federal and State Court attorney representation is provided without charge to the client for viable claims, including filing fees, deposition costs, travel expenses, etc. Clients who prefer to have a local attorney, when available, prepare and file the above-mentioned State Court documents instead of completing the documents themselves can do so for a reasonable fee.
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Who do I contact after enrollment?
Our in-house Support Group will be your primary contact.
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Do you guarantee the process will work for me?
We guarantee that everything presented on this web site is truthful, accurate and legitimate, the services as presented on this web site and our services enrollment agreement will be provided to you, and that you will be supported and provided with the most professional, lawful and constantly update methods, strategies and tools currently available.
It must be recognized that most of the process activities are based upon laws and established litigation precedents. Since laws can change and litigation is always burdened with uncertainty, a guarantee that our methods will be as successful for you as it has been for thousands of others cannot be provided.
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Can I enroll in the process more than one time?
No.
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How does the Debt Jurisprudence™ process compare with other debt options?
The process is not based upon a "one size fits all" or "universal" solution. Instead, the type of debt, its status and unique circumstances for each account is reviewed to create an optimum action plan for that account with the greatest potential for success, such as pursuing a 100% settlement without tax liability incurred by the client, a Federal or State lawsuit, etc. Click here for additional information about how the process compares with other debt options.
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