Junk Debt Buyers Law Suits, Payday Loans & Repo's Poem by Luke Easter

So, you've received a letter,30 days to respond, don't wait,
The most important word to you right now is this, 'Validate! '
Unless they can prove any claim that will stand up in court,
Then they have to remove the entry from your credit report.

Or, you've just received a summons you'd like to forget,
You're being sued by a debt collector for credit card debt,
Well relax; don't get excited because you do have rights,
Get ready, now's the time to roll up your sleeves & fight.

First of all, original creditors are not governed by the FDCPA,
Best thing in that situation, call them & ask for a plan to repay,
Many if not all are willing to assist getting you back on your feet,
But there still might be certain criteria you will first have to meet,

Okay, with that in mind familiarize yourself with Federal Rules,
Google, download the entire section as you don't want to loose,
This country was founded? Let me put you in remembrance,
An article we know as, 'The Declaration of Independence.'

These are just parts of your rights & defense, more? Let's see,
What do your specific state regulations and guidelines decree,
Junk Debt Buyers usually do not have mandatory information,
Representing they do is the legal defense of Misrepresentation.

So therefore, more often than not collectors have no set of facts,
And it is worth for to agencies to file as defendants refuse to act,
Those bulk debts are purchased for less than 1 single U.S. penny,
As sometimes you've already paid so, proof they don't have any.

Or what they have is not proof & concealment of material facts,
As a matter of standard operating procedure check related acts,
United States, in Cannock Chase District Council v. Kelly, too
Bad faith, dishonesty, stand by alone so get a complete review.

Alleged debt is 10k but their purchase price was 100 bucks,
Not only slap your face, collectors want to kick your butt,
Because your contract was with whomever, not with them,
Hey don't panic because this is how the process will begin.

Midland Funding LLC v. Brent, et al. The Ohio court did find,
The affidavit, documentation was not properly, legally signed,
Midland violated both the OCSPA & FDCPA trying to collect,
And at an interest rate higher than allowed by law for said debt.

'Volenti non fit injuria' means assumption of risk it's a legal term,
There are many other means for your defense you will want to learn,
No collector is going to provide for your defense what they've found,
Defendants must be diligent in seeking information & writing it down.

Encore Capital Group and others like them are, 'Junk Debt Buyers, '
Paying less than a penny then charging you up to 1000 times higher,
So, FYI there have been many lawsuits filed against them and won,
Requesting a, 'summary judgment' does not mean it is over & done.

Do not let JDB's push you around, respond and refuse be moved,
They claim validity with credit card receipt copies can they prove?
You can't buy groceries, clothes or gas with a copy of a $20.00 bill,
In court with a, 'Lack Of Due Diligence' your defense they will kill.

Surely it's probably the biggest unknown consumer credit card fact,
When sued you have the right to request a copy of the original contract,
Why are there are so many judgments? Da! We have to know our rights
They're default judgments because you don't show up in court and fight.

Remember, this is just a partial list there is so much more you bet,
Do your own investigation, a plethora of sites are on the Internet,
Don't allow these crooks to illegally use the legal system for pay,
Make them understand, if it is hardball they want, two can play.

Co to court, pursuant to the FDCPA Act § 803.4 and demand they prove,
By not being the original creditors they must establish dealings with you,
Since they are not, make them prove account statements are verified, ok? ,
It will take some effort on your part but it's worth it to make it go away.

Even if it's not your debt demand a 'Debt Validation' here's the deal,
Respond within 30 days or they will assume the, 'alleged' debt is real,
If you're at the summons/subpoenas stage there's still plenty of time,
CreditInfoCenter.com or DebtCollectionLawyer.blogspot.com, online.

Don't forget they're the Plaintiff you're the Defendant so you defend,
As aggressive as your adversary without backing down, you will win,
Whereas, unless you can afford legal counsel to fight on your behalf,
Plaintiff's with skilled debt collections attorneys will sit back & laugh.

When Law Enforcement violates U.S. Constitution Amendment #4,
The case is thrown out and criminals routinely walk out the door,
'Junk Debt Buyers' falsely make claims & defendants pay more,
Any wonder why the rich stay rich while the poor remain poor?

Bad enough that high interest rates create billionaires on the backs,
Of the hard working majority who are faced with all kinds of attacks,
Why do some judges allow this injustice to continue go to through?
Well, as long as defendants fail to respond what else can they do?

Request a legal, Bill Of Sale or JDB's have to stop wasting your time,
Demand proof that claimed purchase without doubt, 'is legally mine, '
Research till there's nothing left to investigate, nothing more to find,
Unless of course, your medical condition classifies you legally blind.

Stand fast, don't let the size of the opposition cause you to be moved,
Collection agencies have a notorious history of being unable to prove,
JDB receive one line of data on each debtor, name, an address, amount,
Not purchasing underlying charge slips & contracts verifying accounts.

Remember that unscrupulous nation we hurriedly sailed away from?
Well, don't look now but Centuries later has America now become?
By predatory mortgage lending practices, citizens loose their homes,
As soldiers fight overseas their spouses fall victim to PayDay Loans.

With all of these exceedingly high interest rates where is Uncle Sam?
Not only by their own Government but by con artists being scammed,
Congress, House, Senate should be doing more not less than they can,
Oh, if elected officials put their lives on the line then they'd understand.

Why, when everything points to doing more they seem to do the least?
And instead of coming across as a 'Beauty' they raise up as a 'Beast, '
Even Elizabeth has declared a 10-year pay freeze and she's the Queen,
Ha, and we have elections but act like we're still pawns under the King.

A Supreme Court ruling reiterated the constitutional right to bear arms,
On 06/28, striking down a Chicago law leaving us susceptible to harm,
So, how much longer will these financial institutions continue to prevail?
Every single one found guilty of 'any' wrongdoing should end up in jail.

Really nothing much to say in defense of the leaches at Pay Day Loans,
Except to sit down, restructure needs verses wants, to leave them alone,
But against blood sucking debt collection companies how can you fight?
When you fail to take advantage of laws and understanding your rights.

Now they have file for a Summery Judgment, what shall you reply?
Here are two to be used as following legal defenses are reasons why,
So, check out all the rules may there be a, 'Lack Of Legal Sufficiency, '
Study collection procedures i.e., Civil Rule 56, prepared you must be.

Finally, the United States Constitution has your citizen rights guaranteed,
'Certain steps are required before depriving us of life, liberty, or property, '
The 14th Amendment, 'fundamental rights' we have, 'due process' by law,
And as consumers you have protection not from some of these but for all.

Ok this poem is not the end of your debt defense as you must do all you can,
Research the collection company, because victory or defeat is in your hands,
Study the, Fairness of equitable relief, Inadequacy Of Consideration moves,
Understand, that no matter what is said a debt is not a debt until they prove.

Find where is your case being heard, study similar rulings of that same court,
Is the collection wrong committed against you under the definition of a, 'Tort? '
Junk Debt Buyers are always betting against your lack of, 'Being Aware! '
Mandatory to be prudent in your defense as the system, 'Simply Is Not Fair.'

Another big rip-off is 'commercially reasonable manner' re; repossession, why?
Any, 'Deficiency Balance' is contingent on account information being verified,
Not enough for agencies to say they own the principle balance and then prevail,
Demand your account #, the seller's signature with your name on a bill of sale.

Repairing A Broken System: Protecting Consumers in Debt Collection Litigation,
A Federal Trade Commission report about inconsistencies of this abusive situation,
Honest changes to promote fairness, improve efficiency, reforms, they recommend,
However, until it's voted on and passed into law your own defense you must begin.

There is a, 'Substantial Right' regarding the following definitions it's your call,
An important or essential right that merits enforcement or protection by the law,
The right related to a matter of substance as distinguished from a matter of form,
Do not allow a lack of serious effort on your part result in you becoming forlorn.