Book Description

Junk debt buyers annually purchase millions of consumer accounts, raking in billions of dollars, and innocent people pay these junk debt buyers, because they did not know one simple truth...YOU DO NOT OWE JUNK DEBT BUYERS ANYTHING!Over the years since I first published the article that gave rise to my book, I have answered thousands of questions from readers who were living in fear, running from junk debt collectors who were trying to scare them out of their hard-earned and scarce money. Good people, who had fallen on hard times through no fault of their own, were being pursued by what I routinely call "Blood Suckers." I am not an attorney, just someone who has done a lot of research to benefit others, but, if someone wants to say that my advice does not work, then the thousands of people who have won their cases is silent testimony that it does. Here are just a few of their letters and comments to make the point. "Brian, I really want to thank you for your help and assistance for what you do. You may not know how many families you have saved as a result of your material. I learned from you what I never learned in school. The good news is that I sued Midland, and they deleted the account from my credit and paid me some money. In a nutshell, they settled with me without wanting to go to court. You rock, and I'm grateful."Dear Mr. Gray, I took your advice in this article, and I WON! Brilliant! It completely worked. I filed my answer, served a request for production, and BAM, the next thing you know, Portfolio Recovery was filing their Motion for Nonsuit. You saved me tons of money. I didn't get a lawyer. I almost did, but decided, 'What the hell?', and took a chance! Thanks for your terrific advice in this article.""Hi Brian, You have given me excellent advice regarding debt collectors coming after me. I think it was 2014, or 2015, but I won 5 out of 5 cases using your advice." "Brian, I just wanted to thank you for your article on beating debt collectors. I followed what you said, had my day in court, and won! Before reading it, I had no idea what my rights were, so again, thank you!" Every year, millions of ordinary people are trampled under the wheels of greedy corporations whose only desire is the bread off the tables of these poor people. Those greedy corporations are junk debt buyers. It does not matter what the names of those corporations are, they are all the same, because they have corrupted the legal system, twisted it and distorted it, so that they can rob defenseless and scared citizens who are barely surviving.The typical situation follows a pattern. You had a sudden chain of events that spiraled downward and eventually out of control, leaving you with greater debts than income. As the losses piled up, you began to default on your credit card debt, none of this having ever been the intention when you first signed up for the credit card. Embarrassed and broken, you hoped against hope that, somehow, you would get back on your feet, and this nightmare would be over...but in the end, while you were sitting in the ashes of what was left, you were sued by what you thought was the original creditor coming to take away your last ray of hope. However, who really came knocking was a low-life called a junk debt buyer who had bought your bad debt for pennies on the dollar, and he wanted to trick you into paying him the entire amount.A junk debt buyer, as an example, pays $5 for a bad account that had an outstanding balance to the original creditor of $1,000. He paid $5, but he demands that you pay him $1,000! How does this make any sense? Yet this example happens thousands of times each day in U.S. courts.According to statistics from the Consumer Financial Protection Bureau, one of these junk debt buyer conglomerates, from 2009 to 2015, paid about $4 billion for approximately 60 million accounts with a face value of $128 billion. This immoral business is BIG business!