Are you being sued by a collection agency or have you just received a summons to appear in court
well let me show you how you can respond
so that you can potentially get the court case against you dismissed. Let's hop right in
what's up party people it's me Jazzy Mac! Thank you so much for being here do me a favor if you
are new to my channel make sure that you have liked this video and that you've hit the subscribe
button so that you can be notified for all of the new stuff that i have coming out i have a ton of
stuff planned so you don't want to miss this and if you're new to my channel hello welcome in it's
so nice to have you here i am going to ask you to also like and subscribe to this video so that
we can stay connected and so that you can improve your credit score i'm passionate about this listen
the people that have used my templates i am just so happy that people are reporting that they've
seen a 121 point increase like miss angelica um tyler got a 3 400 collection removed oh my
goodness um just so so many other stories testimonies of people using my templates
um to get collections removed but you may be saying well jazzy my situation is different
like i am i've been served i'm about to be sued so there's a different path that you would take
if you are being sued now um in the follow-up video to this i will be talking through step
by step um a part of the answer that you have to give in response to being summonsed to court
but i just want to go over the basics so here's the thing people think that if they receive a
summons they think that if they don't answer the door or they think that if the sheriff doesn't
physically put something in their hand that they don't have to go to court or that it's invalid
people i'm here to tell you that that is a myth that's something that you see on tv if someone
is summoning if you get summons to court that is still legally enforceable whether you are at home
whether you're at work whether you don't sign for it whether you don't answer the door and they just
leave it in the mailbox it is 100 enforceable and the reason why people get judgments against them
when they're sued by a collection agency is purely because they don't show up to court the judge ends
up entering a default judgment now of course i want to prefer preface this video by saying
i am not an attorney all i can do is speak from personal experience your girl has spent you know
some time in some courtrooms for all types of stuff and i have been victorious in every
situation so i want to share that with you because i don't want you to be afraid of court
court is nothing to fear in fact when you go to court judges are typically more sympathetic with
people that show up to court because it shows that you're interested in resolving the situation
a judge is not going to be sympathetic with you if you just don't show up so you have to show up that
increases your chances of getting it dismissed so the first thing that you want to do is don't panic
if you get served as summons cool that's fine it happens it doesn't mean that you're
guilty of anything it doesn't even mean that the other side is going to show up
it just means you've been served so don't panic the next thing that i want you to prepare to do
is to draft an answer an answer is basically just your response to the summons
the summons should uh essentially map out or outline what the law firm is alleging you've done
as it relates to the debt collection so they're probably going to have something that maps out
your name uh your address and it's going to say that you know you've defaulted on
something and it's probably going to also list out the account number and then it's going to
probably also list out um the amount that they're saying that you defaulted on so it's probably
going to be three or four different allegations or sections where they're alleging that you have done
something or not done something and so you have to respond to that so i want you to um for one you're
going to draft an answer and that answer is going to be your response that you're going to file
in your local court whatever the court is that's listed on the summons so you're probably going to
have to file it with the clerk and depending on what part of the country you're in it might be
ten dollars to file it it might be 25 the prices vary depending on the court um but you you'll
you'll want to pay that filing fee because that's how you get your um response officially recorded
and so what you're going to do with this response is you're going to respond to each section
that they're alleging and it's not going to be like a whole bunch of like
a super long paragraph of legal jargon that you can't understand most
most of it should be understandable but obviously if you don't understand
you can contact an attorney to help you sift through the verbiage so you want to
a acknowledge that the debt is yours or that it's not what you do not want to do is lie
flat out and say that you know if this is for like let's say um let's say that you owe
mastercard they're suing you for a charge off now if you know that you've actually had a mastercard
and that the account number that they list out is your actual account number
don't go in and say this is identity theft don't respond by saying that the
account doesn't belong to you because again the methods for court summons are totally different
so you don't want to incriminate yourself by lying and saying you know even though there is this you
know information that it belongs to you you don't want to deny something that is easily verifiable
so you want to acknowledge you know if the debt is legitimate if it belongs to you you'll acknowledge
that you'll acknowledge the account number um but then there may be an amount listed and that amount
could be questionable in your head you might have remember only owing mastercard 500 but in the
summons they may have alleged that you now owe six thousand dollars and you're thinking well
500 and 6 000 are nowhere near each other so i am going to deny owing this amount or you can state
that you are questioning the evidence um or that you are requiring you're requesting proof that you
owe that amount so you're still being truthful but you're also saying listen that's that's not
what i remember i remember 500 you're claiming 6 thousand so i'm going to need to see proof of that
so essentially through your answer that you're filing with the clerk at the court you're asking
them for proof in your answer now they are going to once they file your answer
um they won't send it out they just file it you'll want to get two copies you'll want to keep a
copy for your records and then make sure that the clerk stamps it and puts a timestamp on it because
you'll want to take a copy of that signed and stamped answer and you'll want to send that
to whatever law firm is attempting to sue you so once that is done you'll wait for your court date
and once you once it comes time for you to go to court you want to appear and the judge is
going to ask you what happened and you know and again in the answer keep it short and
simple don't put your whole life story on there or just you want to just you want to keep it very
short and simple they don't need a back story they just need to know if you acknowledge it
if it's yours and if you agree with the amount of the debt so that's what needs to go in your answer
now once you get to court then you can explain your side and say i wasn't aware that you know
the debt was 6 000 i was under the impression that was 500 i would really like to see proof from them
trust me there are companies that literally buy old debts they there are law firms that take
people to court all day and they win it because people don't know their rights people don't
know that they have the right to request that they validate what they're saying that you owe
so sometimes you may go to court and you'll say hey i need to see proof that i owe 6 000
because that's not that's not accurate according to my recollection and then when that happens the
judge may ultimately dismiss it if the other person doesn't show up or if they
think that the person is charging you an erroneous amount they could dismiss it or they could just
set another court date and say okay i'm going to give you 14 days to come up with this information
that proves that they owe six thousand dollars and if you can't come up with it the case is dismissed
i have seen so many cases get dismissed just off of that so you want to make sure your
answer that's why you want to acknowledge that yeah i remember having this account the account
information is correct but the balance is not and i need to i need that validated so i hope
this was helpful for you please let me know um you know there are just companies out there that
that just really try to cash in on hard-working people and i'm not gonna let that happen i don't
like that happening to the people i care about we're besties okay and i look out for my besties
so please make sure you keep me posted on you know if this has ever happened to you or where you are
in the journey and again if you you know have specific legal questions about things in your
state make sure that you speak to a consumer attorney so that you can get those things
cleared up i will see you all in the next video stay safe uh and stay awesome toodles