{"product_id":"b0gxmtvzvt","title":"Fight the Collectors: Your Legal Defense Against Debt Collection, Junk Buyers, and the Credit Reporting Machine (Pro Se Power Series Book 2)","description":"\u003cp\u003eFight the Collectors: Your Legal Defense Against Debt Collection, Junk Buyers, and the Credit Reporting Machine\u003c\/p\u003e\n\n\u003cp\u003eEvery year, millions of Americans are contacted by debt collectors pursuing claims that are inflated, time-barred, poorly documented, or legally unenforceable. Most of those Americans pay anyway — not because they have to, but because they don't know they don't have to. This book changes that.\u003c\/p\u003e\n\n\u003cp\u003eFight the Collectors is a comprehensive legal education guide covering every phase of the debt collection lifecycle, from the first missed payment to the final courtroom argument. Written for the non-attorney reader who needs real answers and real legal tools, this book pulls back the curtain on how the debt collection industry actually operates — how original creditors exploit the gap in federal consumer protection law, how junk debt buyers purchase portfolios of defaulted accounts for pennies on the dollar with incomplete documentation, and how the collection industry's entire business model depends on consumers who don't know their rights.\u003c\/p\u003e\n\n\u003cp\u003eInside, readers will find a thorough breakdown of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act — the two most powerful federal consumer protection statutes available — explained in operational detail with specific statutory citations, regulatory requirements, and case law. The book covers debt validation strategy, credit report disputes, cease and desist tactics, and statute of limitations analysis, including how to identify time-barred debt and how collectors illegally pursue it anyway.\u003c\/p\u003e\n\n\u003cp\u003eFor consumers facing a lawsuit, Fight the Collectors provides a complete litigation roadmap: how to read a summons and complaint, how to calculate deadlines, how to draft an answer with affirmative defenses and FDCPA counterclaims, how to use discovery to expose the collector's documentary deficiencies, and how to win at summary judgment and trial. The book also addresses post-judgment enforcement, wage garnishment exemptions, bank account protections, judgment lien strategy, and the credit rebuilding process.\u003c\/p\u003e\n\n\u003cp\u003eThe collection industry built its model on one assumption: that the person receiving the letter won't fight back. This book is written for the person who will.\u003c\/p\u003e","brand":"ANT","offers":[{"title":"Ebook","offer_id":52794639941848,"sku":"YSL24651","price":5.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0835\/3356\/2072\/files\/812pK4DQo0L._SY1500.jpg?v=1792824909","url":"https:\/\/www.bookmebay.com\/products\/b0gxmtvzvt","provider":"BookMebay","version":"1.0","type":"link"}