"You can protect what's yours and save a lot of money if you know how to defend yourself from the debt collectors.

Our litigation materials give you what you need to do that."         

 - Ken Gibert      
   Your Legal Leg Up

Being threatened by debt collections? Collection agency hounding you? Debt collectors suing you? Bills just piling up?

You can fight the debt collectors and win! You have legal rights. We're here to help.

If you're developing debt troubles - missing payments or having trouble making payments - or if things have gone a little further than that and the debt collectors are beginning to harass you, then take a look at this video and be sure to sign up for our free video series on protecting yourself from debt troubles: Protecting Yourself from Debt Troubles.

If you have just discovered you're being sued and want to know what your first steps should be, look at our Seven Steps Video and sign up for the free series that will tell you the first steps you need to take to protect yourself.

With a little help, you can stand up and reclaim your financial security. We've designed this site and the materials to help you defend yourself wherever you are in the debt collections cycle, whether you're being harassed by collectors, sued by a debt collector or original creditor, or if you want to sue a debt collector who has illegally harassed you. Go to Finding Your Way Through Debt Litigation. If you have defaulted on a debt lawsuit, go to Overcoming Default When You're Sued for Debt. Facing a Motion for Summary Judgment? Go here or here.

Check out our ever-expanding list of new content, including FREE information and FREE resources:

---FREE videos ---FREE articles ---announcements ---features ---new member resources ---and more...

in addition to new products and services available to both members and non-members.

Here are just a few of the debt collection topics we've addressed:

Can there be a downside to giving debt collectors money?

Debt collectors are trained to be intimidating and aggressive. Should you ever give them money? And what are the legal effects if you do so? Giving them money can be a big mistake. Watch this free video and see why. For help defending yourself, we recommend either the Litigation Bundle or the Video Series. For in-depth guidance and help with motions for summary judgment, get my Summary Judgment Defense Pack. The most extensive resource for undersatnding debt and the law, debt collection practices, what is a judgment, how to file a motion for court, and more is the Membership to YourLegalLegUp.com.

Should I trust what the debt collectors tell me?

Have you been tricked into skipping your court date? or are they telling you you don't need to be there? It might be a trick. Debt collectors make the huge majority of their money -- almost all of it -- off of people who give up and do not defend themselves. They know it and do everything they can to make people default -- and sometimes they use extremely questionable tactics. This free video tells you how to recognize tricks and how to respond.

Does the Fair Debt Collection Practices Act (FDCPA) protect me from debt collector's threats? Can they threaten to garnish my wages?

The Fair Debt Collection Practices Act (FDCPA) makes many forms of threats illegal for debt collectors to make. Some of these are obvious, and some are a little more subtle. This free article clarifies some parts of the Fair Debt Collection Act's definition of threatening and unfair debt collection practices. The laws on debt collection can be difficult to understand, and we strive to make them more accessible to everyone.

Here are a couple of the debt litigation topics we've covered:

I received a summons to go to court for my bad debt. What should I do?!

If you're being sued for debt, you have likely received what's called a “summons” telling you to respond to the attached petition and go to court on a certain date and time. Answering the petition is not hard—it's actually easy. But then what? Do you still have to go to court? And what happens if you do? You usually still have to go to court. This free article tells you what to expect.

Can't I just go to court and tell the judge I don't have the money to pay? Surely they'd understand my circumstances.

I am often asked about what effect a debt defendant's ability to pay any judgment would have on the outcome of the case. Or perhaps more often, people tell me that they “plan to tell the judge” that they do not have any money and could not pay any award -- as part of their defense. Does this work?

In a word, “No.”

Another of our free articles explains the legal reasons why your lack of money isn't relevant to your debt lawsuit.

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Testimonials from Customers Who Won Their Cases

 "On so many levels, I want to say thank you for your education packet, because I had zero clue of where to even begin. After I filed my answer with affirmative defense and counter claim,  I received an offer for dismissal with prejudice and Cap One sent a letter to all 4 bureau agencies to delete the entire account. 

Now, I am happy because you were right, we scared the pants off them on so many levels. If I had the time and energy (and money) to take them to court, I would win this case hands down. You were right about their assessment of the cost it would take them to respond...so they decided to cut and run.

Again, I would have never, ever done this without your help and support."

-Meriem from Indiana

"Today I received an offer of 'Stipulation For Dismissal With Prejudice,' which basically states the Plaintiff will dismiss their Complaint if I dismiss my counterclaim. Your litigation materials were clear, vital and necessary tools for me to win.

Your materials are simply the best and finest of its type anywhere for pro se defendants facing debt lawsuits!"

-Frank from Arizona