DEFAULT !!! Escaping the Debt Trap and Avoiding Bankruptcy

This is an overview of my detailed non-fiction book, in which I describe the exact process by which I represented us in court without having to hire an attorney, defeated a credit card collections attorney, forced him to voluntarily dismiss his case against us, and avoided the collection of over $94,000 in alleged credit card debt.

This victory enabled us to completely avoid bankruptcy.

Our State's Statute of Limitations for unsecured debt has now passed, so we can no longer be sued... UNLESS we negotiate and settle with the alleged creditors.

ANY new activity on the alleged credit card account(s) would start the 4 year Statute of Limitations over again at the BEGINNING so that we could be sued again. The debt collectors NEVER tell you about that when they make their tempting settlement offers through the mails and over the telephone. I'm sure they hope that we will all be unaware of this fact... and fall right back into their trap.

ISBN: 978-0-557-06620-9

http://stores.lulu.com/store.php?fAcctID=449935

http://search.barnesandnoble.com/DEFAULT-Escaping-the-Debt-Trap-and-Avoiding-...

http://www.amazon.com/DEFAULT-Escaping-Debt-Avoiding-Bankruptcy/dp/0557066204...

Category:

News & Politics

Tags:

• debtors revolt
• debt
• debt collection
• credit card
• default
• bankruptcy
• avoid bankruptcy
• defend yourself
• law
• lawsuit
• court
• scam
• debt elimination
• debt collector
• attorney
• lawyer
• pro se
• in pro per
• fuck
• shit
• tits
• ass
• money
• Federal Reserve

[videofox4u]

does this work in canada courts???

[HurricaneHeidi]

@videofox4u - It depends upon the Canadian State's Rules of Civil Procedure, if that's what Canadian lawmakers call them.

USA Rules of Civil Procedure are mentioned in my book. Each State has its own rules, and they sometimes differ from each other. You need to do your research pertaining to where you live in Canada, and where the collection lawsuit has been filed.

GENERALLY SPEAKING, my defense technique is to force collectors to prove their case; produce the signed application/contract.

[imigrantpunk]

Heidi, have you tried defaulting on a house mortgage? would it be an equivalent process? It's the same thing really, they lend you non existing money with interest..

Also, how this default on 94k affected your credit score and ability to borrow "money"?

Thanks!

[HurricaneHeidi]

@imigrantpunk - I'm glad you asked these two important questions.

FIRST - NO - I have never defaulted on a house mortgage. A home mortgage is a SECURED loan - meaning that the lender has recourse built right into the loan contract to TAKE your house if you default on the mortgage. This is called "collateral" - the house is collateral for the loan, and the lender can claim it if you default. NEVER default on secured debt.

[HurricaneHeidi]

@imigrantpunk - As to your next question - yes, the default on 94K did trash my credit score and would have inhibited my ability to borrow money if I had tried to borrow any money again after that.

I kept my Credit Union credit card, and I have kept up with the payments on it. I consider credit unions to be honest lenders that do not create money out of thin air. They actually lend a % of their depositors' savings to other members.  I would NEVER stiff the other CU members.

[HurricaneHeidi]

@HurricaneHeidi - I consider defaulting and leaving behind all that debt and learning to function without borrowing money a financial version of going to rehab.

I have been de-toxed ... and I have broken the bad (and addictive) habit of depending upon credit for my everyday needs.

Bear in mind that becoming "hooked" on using credit is exactly what the evil credit industry hopes we will all do. Get out of the trap. If I can do it, you can do it!

[Rainy809]

Statutes and Codes are created by privately owned corporations. The I.R.S., Federal Reserve, The State are all privately owned corporations. The constitution states "no debts are to be repayed unless backed by gold or silver coins. "Credit is not backed by gold or sliver" its is created out of thin air. They use our labor to back there money. Thats why statutes and codes was created to make there fake money "credit" legal. Credit is unconstitutional.

[allawetta]

HH, ...THANK YOU FOR DOING THIS... am going to Amazon right now to buy your book.

[HurricaneHeidi]

@kittypride2 - Yes I do. 8-(

But so far I have managed to prevent the more serious seizures by following a ketogenic diet (similar to Atkins - High fat; plus protein; no refined sugar, no high glycemic foods) and taking brain nutrients that I learned about on the Internet.

[HurricaneHeidi]

@EFISHANT - Most of the bullshit articles on the internet are designed to get you to pay for some bogus "debt elimination" program that promises you won't get sued. No one can promise that. Anyone who says that is a liar.

I got sued and I had to learn to defend myself.

After I won I decided to tell other people exactly what I went through and how I managed to defeat the collections attorney.

Concentrate on making THEM prove THEIR case. I show you word-for-word EXACTLY how I did it.

[EFISHANT]

Almost everything I was told on the internet turned out to be bullshit!

I had a debt of less than 9000 dollars and I got sued. Every article said I would not get sued!

[kittypride2]

So, you have Epilepsy?