What kind of debts can be included in the process?
Most types of unsecured consumer and business debts, including bank & store credit cards, signature loans, balance transfers, credit lines, overdraft agreements, student loans, accounts assigned or sold to debt collectors (including medical expenses) and more.
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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 a current payment status must be maintained for those accounts.
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What are the differences between unsecured consumer and business debts?
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 business account, or any account where a business name appears on the account statement.
Unsecured consumer and business accounts must be accurately classified at the time of enrollment to ensure the appropriate accounting rules, Federal and/or State laws are properly and accurately referenced when communicating with original creditors, debt collectors, Courts, and other parties.
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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 do so, their claims are disputed and the offenders are held accountable for their actions, including how they charge, collect, maintain records, conduct themselves and 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 part of the process relies solely upon comparable State protection laws.
Under Federal law, consumers may withhold payments when a debt is legitimately disputed. The discovery, auditing, documentation and pursuit of unsecured consumer and business debt claim irregularities in accordance with the law and generally accepted accounting practices (GAAP) is an integral and significant part of the process.
We legally, ethically and legitimately seek to build a solid foundation for each account by disputing general debt and contractual claims, debt ownership claims, and other debt claim irregularities made by original creditors, debt collectors and credit reporting bureaus. When debt reduction offers made by original creditors received by our clients 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 will generally assign the account to a third party for collection, 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 a purchased debt as a reference, debt collectors may attempt to collect the full amount under the guise 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 payments after I enroll in the process?
Each account a client enrolls in the process will be audited on an ongoing basis and legitimately disputed to the fullest extent allowed by law. State and Federal laws generally provide for the withholding of payments during a legitimate debt dispute and although most of our clients are behind in their payments at the time of enrollment, you are legally obligated yo continue making payments until such time a legitimate dispute is identified and pursued.
It is entirely up to you about whether or not to make payments on an account enrolled in our process where accounting, contractual or legal discrepancies or violations have been found and are 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?
All activities and services are performed and supported by our in-house personnel. We do not use the services of affiliates or independent contractors.
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Does the use of debtjurisprudence.org mean you a non-profit organization?
No. We are a Missouri for profit corporation and have owned the domain names debtjurisprudence.com and debtjurisprudence.net since debtjurisprudence.org was initially registered in 2006 (clicking either link shown above or entering either domain name in a browser automatically redirects to debtjurisprudence.org).
The use of the top level domain (TLD) org has always been open and unrestricted, even though it was originally intended for use by non-profit organizations. Anyone is allowed to register and use it, and there are many instances of org being used by commercial sites and individuals. We use it because it symbolizes our non-commercial nature, our service mission as an organization created to assist people with their debt problems, and our non-corporate culture.
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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. To date, the average 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 it may be advantageous to do. More time is available to develop a solid foundation for viable claims on your behalf and the likelihood of errors occurring 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, but only after the account is sold by the credit grantor to a non-government related third party debt collector. Your student loan payments can be current or in default at the time of enrollment, however the account cannot be assigned, owned or otherwise managed by a government agency.
Private or government backed student loan debt accounts are generally assigned for collection or sold 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 time, an ongoing audit is conducted to define and document any loan program violations or irregularities, even if the loan is in deferment, forbearance, or rehabilitation at the time of enrollment.
If your account is sold to a non-government related independent third party debt collector and confirmed violations or irregularities exist, the above-mentioned audit is used in conjunction with other process components described throughout this web site for third party debt collector related activities.
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Can you help me with auto loans?
No. 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?
No. Disputing all negative and derogatory comments appearing in a clients consumer credit reports, including comments 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, and the bureaus must remove the comments if they cannot satisfy the demand. Although it is extremely rare for the demand to be satisfied and higher credit scores can be realized if negative comments are removed, we do not provide credit repair or restoration services.
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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 evidence that your health information was provided to an unauthorized party, or if your medical information privacy rights were 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 a 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 plan to buy a car or house after enrolling in the process, you should complete your purchase prior to enrollment. Alternatively, if you wait until the process is completed and if your credit scores improve before purchasing these items, you may qualify 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. Arbitration rules vary by State 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 that can be used for completion and presentation to a 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?
Negative comments or late payment notations for the process accounts can be removed from a credit report when the account is resolved and an original creditor fails to provide account information to a credit bureau, thus credit scores may increase and you may 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, address, telephone number, email address, the number and type of accounts you want to enroll and their payment status are required in order to prepare a process enrollment agreement. You do not have to provide any information about 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. You must have have access to a computer with a recent version of Microsoft Word, a printer, fax capabilities and email access, or obtain these capabilities after enrollment. There will also be recurring costs for mailing and faxing documents, and telephone calls.
Excluding actions where State Court related materials are provided as described above, Federal and State Court attorney representation is provided for viable claims without charge to the client, 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 will be provided to you, and that you will be supported and provided with the most professional, lawful and constantly updated methods, strategies and tools currently available.
It must be recognized that most of the process activities are based upon accounting standards, laws and established litigation precedents. Since these items can change, and litigation is always burdened with uncertainty, a guarantee that our methods will be as successful for you as they have been for 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 and owner of a 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.
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