Your video Sir was a blessing. I had a family member that I had to help out . A debt collections Attorney took them to Court . I took your advice and took notes .... Long Story Short . The Collections Attorney requested the court for a motion to dismiss... Key word folks "Purchase Agreement". Never saw one never. Was not even aware that they sold something. To a debt collector.... Keep up the good fight folks just have to go in with some positive thinking.... Don't let them push you around show respect and look them in the eyes and ask them where is your "Purchase Agreement". and where is it that I have signed and seen this so called Purchase Agreement and have agreed to any terms .... These collection sharks are betting that you won't show up for court so they can name their price .... Follow this man's advice and your odds will be good at winning your case .

You may be the first lawyer to get thumbs up. :) You must be very successful because you are so willing to help people. Very generous with your time and advice.

@johngwatts

3 жыл бұрын

:) Thanks!

@williedaniel2534

Жыл бұрын

He does what he says he is going to do!

@benking2804

Ай бұрын

Great advice,I'm going to court

This man must really be a Saint! A lawyer willing to help you without taking 50% or billing you (more than you owe the debt) Priceless! Thanks.

@johngwatts

4 жыл бұрын

No saint but hope the video helps if you are in this situation. Have a good one!

@MissionaryInMexico

4 жыл бұрын

Haha! A lawyer named Ron Smeberg in Texas offered (in writing) to charge me $30,000 to fight my $7000 debt without any guarantee. We need to spread the word. Good is good. Bad is bad. Everyone needs to know.

@Mtrz007

3 жыл бұрын

Alabama Consumer Protection Lawyers DSW’s xx f do d

@Walkinthepark305

3 жыл бұрын

@@johngwattsfirst mistake is saying yes too borrwing the money They are in default of breach of contract with fraud. Well Marcus did you , borrow the money and the wrong answer is yes . I never have any proof that bank A showed me which bank account they transferred the money to the seller of the property so i can't answer that question

My dad (murdered in 2014) always taught us kids "Only answer what is asked." He retired from the federal government in Washington DC, it worked for him.

@johngwatts

4 жыл бұрын

Sorry about your father. I'm sure he gave great advice to you on a bunch of things but answering what is asked is sure one of them! :) John

@gailremp8389

10 ай бұрын

Bless you and your daddy and family. Jesus .

Great advice sir! I appreciate watching your videos! I just had a court case today, represented myself against the attorney for a credit card company. I WON my case today! :D I was prepared and ready, with some evidence against them, however, they didn't even bother to show up for the case, so it was dismissed by the judge! Feels great to fight and Win! :)

@brendareyes1981

2 жыл бұрын

If you don’t mind me asking what evidence did you take with you? I’m confused on what evidence I can present 😅

@cynthialewis8616

2 жыл бұрын

What evidence can I take? I have the same problem with a credit card debt collector. Please help

@mostlysky55

Жыл бұрын

How much was the debt for?

@sabrinaboston9289

11 ай бұрын

What was the debt amount?

These are incredible pointers. You are the "KING"! THANK YOU SO MUCH!

@johngwatts

4 жыл бұрын

You are very welcome! John

Mr. Watts...I wanna thank you for your videos...I got prepared from the answer letter to what to do in court..and ready to act out something first in my 50 yrs..I show up in court and PORTFOLIO didn't...case dismissed!!!!😁..it was awesome...but i was ready and will be for the next one..ughh Again Thank you..

@johngwatts

4 жыл бұрын

That's wonderful! Was Portfolio dismissed with or without prejudice?

@jrbernal2267

4 жыл бұрын

@@johngwatts oh dang it..you got me on that.I guess I missed where you mention that on the videos or missed the complete video..😔.but thanks for asking cause now I'm gonna go back and ask and of course learn what it means..😁..thanks again

@basiaperry177

11 ай бұрын

but what all happened with your cass

So glad I ran into your video!!! The first 6:30mins I know will help a ton in my friends case. Things I never even thought about! Thank you for being 1 of the good guys and helping the little guy out.

@johngwatts

3 жыл бұрын

Very welcome!

I was advised by my attorney just to file an appearance & say deny to everything in my answer to the courts. But in the meantime just offer a settlement to resolve the matter. I did just that, but he was adamant that i not send them any money without a settlement offer/letter in writing. So now they are playing games giving me a written letter with the amount they wanted me to pay. The problem is i suppose im not dumb enough to give them my bank account info & prefer to send a cashiers check for the exact amount they offered. This way i can expedite the payment, keep a paper trail & protect my personal assets. So now they are coming up with every excuse in the book not to put it in writing. Well they sure as hell can take me to court for $700 because im not giving them anything until they send me something credible in writing that once i pay the settlement amount the debt is satisfied "paid in full"

Many Many thanks , you have given me knowledge that i am so grateful for!! I wish i had watched your videos a year ago!! Truly thankful!!!

@johngwatts

4 жыл бұрын

You are very welcome Nate!

I would like to personally thank you for these videos. With your help I studied several took notes and when my civil case went to court today even though it was on a zoom call. The attorney was unable to provide any type of paperwork stating LVNV owned the debt. The case was ruled in my favor. Then I was told by the judge congratulations Mr. …….. you won this one. Thank you again I know this is a year old video but it help me because I would have had no idea what to say or how to respond. Keep up the good work and anyone that comes to me about credit small claims I will be sending them your way

@lilaelise7999

2 жыл бұрын

Hi. That’s great news!! I’m going through that now and I go in front of the judge on April and will be defending myself. I wanted to know what else did you ask to win your case? Thanks in advance for any help and suggestions.

@allenpruitt8650

2 жыл бұрын

@@lilaelise7999 you need to watch his videos on tearing apart an LVNV summons

@jasonmccann257

Жыл бұрын

@@allenpruitt8650 so you got sued by LVNV and Resurgent Capitol Services? I'm going thru a similar situation with LVNV right now. They bought a charged off account of mine that the original creditor refused to let me pay off. I sent Resurgent Capitol Services/ LVNV a "debt validation " letter, asking that they send me proper documentation to verify the debt. All I got in the mail was a letter from PayPal saying Resurgent bought the debt, and all Resurgent sent me was a two year old billing statement. After they recieved the debt validation letter, they continued to contact me for almost a week, and they just recently reported to the credit bureau's this charged off account is a new account, yet its been on my credit report as a charge off for the past two years. I am currently in the process of mailing them a "notice to cease and desist" letter.

Case was dismissed today, so thank you for your help. Sent certified letter to Midland, attorney, and court. Never got anything from them of course. But trial on Zoom no less today. The plaintiffs never showed up. Judge dismissed. Was ready and did a lot of work thanks to you.

@matthewpierce7717

2 күн бұрын

Do you know who the law firm was? I’m about to be in a similar situation with an attorney from Weber & Olcese PLC and hoping they don’t show up to the trial due to how small the amount is.

As always, absolute Gold. 👏👏 Thank you for doing these videos.

@johngwatts

4 жыл бұрын

You are very kind -- thank you! John

Your advice is priceless. Very few people do that now days. Thank you very much.

@johngwatts

4 жыл бұрын

You are very welcome -- thanks for watching!

This is great advice period. Doing this in your life can help avoid so many problems in your life. Thanx this has opened my eyes to a total different way of doing things.

I’m not going to court without this guy!

Very informational and I’m glad you reviewed the 7 mistakes

@johngwatts

4 жыл бұрын

Glad you watched it and hope it helps! John Watts

Thanks for the great advice John.

@johngwatts

4 жыл бұрын

Thank you!!

Loved this video another great video John!

@johngwatts

4 жыл бұрын

Thank you sir!

Great advice thank you so much for caring enough to share your experience with us 🙏

@johngwatts

4 жыл бұрын

You are very welcome!!

As always a great video John found it highly informative! My best James

@johngwatts

4 жыл бұрын

Thanks my friend!

I love this guy. Such a good service.

Thank you for this video! Very helpful in my upcoming case.

@johngwatts

3 жыл бұрын

Very welcome -- good luck!

The idea of law is to first and foremost protect PEOPLE in a predetermined fashion from wrongful actions. The problem with law is it is most times suppositional at best. It all depends upon whom you ask to make a determination. Thanks for the vid. it was informational, and, well laid out.

Thank you for taking the time to help us!

@johngwatts

8 ай бұрын

You are very welcome!

@ElChicleSeMePego

8 ай бұрын

​​@@johngwattsI'm going against a "law firm" debt collector that just withdrew their motion for judgment on me. Now they are trying to ask me questions about owing the debt, do I answer those the same way I would in person? Just "I don't know", they don't even have my full account number. I requested the documents from them, privacy notice, and chain of command because they tried collecting payments from me, they never sent me an agreement in writing they're just trying to get a judgment against me - they're very aggressive. They have not sent me those documents and have put 28 days for me to give them information and bank statements- any advice?

You helped me when my trial came, thank you so much for all of the information.

@ChildofGodforevr

2 ай бұрын

Do u own a house? Have a 5 figure job? Coz if u don’t, they can’t collect 💩 from you. We own a house(not paid off) and hubby makes $75k a year and his debt is $22,000. They will not take less than $13,500. Citibank hired a lawyer. A debt collection lawyer . They are coming after us .

These videos are pure gold to be self represented, thanks..

@johngwatts

3 жыл бұрын

You are very welcome!

Thank you sir! You seem very knowledgeable and kind

@johngwatts

4 жыл бұрын

Thank you!

Thank you from Florida! Your video here is very very helpful and Thank you for being a decent Human being!

@johngwatts

3 жыл бұрын

You are very welcome! Thank you for your kind words....

Thanks for the giving of your time.

9:54 It wasn't a silly question at all. You make total sense. Thank you so very much for taking the time to help us out! 👍🏻 It's very literal and we have to understand every question literally thank you!

Thank you very much. I appreciate it very much for the information that you have provided.

@johngwatts

4 жыл бұрын

Very welcome!

Again I have to say excellent video thank you so much for your time!!!

Thank you

Really appreciate all you do for us.

@johngwatts

Жыл бұрын

Welcome!

Thank you. It was helpful and will remember your words of wisdom.

Being sued for the first time and finding your page has been so helpful. I hope this applies to Michigan… Everything was so helpful and I will follow. Thank you.

@johngwatts

Жыл бұрын

Every state has different laws -- I would highly recommend you get with a Michigan consumer lawyer. www.consumeradvocates.org/find-an-attorney is one place or call Ian here -- www.consumerlawyers.com/ian-lyngklip.html Best wishes! John Watts

@merrilew

Жыл бұрын

@@johngwatts you are amazing and kind. Thank you 🙏🏻

@PrimericanIdol

10 ай бұрын

I'm watching these videos now in case I ever get sued.

Thank you for such a pleasant answers! Your rare Positivity is a key to your success!

Excellent content, thank you

@johngwatts

3 жыл бұрын

Very welcome! MIght want to watch this one -- similar but from perspective of the collection lawyer asking you questions -- kzread.info/dash/bejne/po2nw8yKYbO2l6w.html Have a great day! John Watts

May God continue to bless you!!!

@johngwatts

4 жыл бұрын

Appreciate you! John

Thanks for the information

Thank you for these gems 💎🙏

Where were you for my 35 years as a legal beagle? Lordy. Excellent. Thx

Amazing advice. Thank you

@johngwatts

3 ай бұрын

You are welcome -- glad it was helpful! John Watts

Great Video!

@johngwatts

3 жыл бұрын

Thank you!

Thank you so Much!

Wooooow, very helpful tips. I have a debt collector court date on the 16th of this month. Thank you much appreciated 🙏🏾

@TexasNewsOwL

2 жыл бұрын

How did it go?

@sabrinaboston9289

11 ай бұрын

Did you win your case?

Thanks for your videos

@johngwatts

3 күн бұрын

YOu are very welcome thanks!

Appreciate this video

This man has convinced me with all my debts it's worth my time to consult with a lawyer.

THANK SO MUCH FOR YOUR HELP. IT DID GAVE ME CONFIDENSE IN MY TRIAL. I CAN'T PAY A LAWYER.

Best advice I have heard. Great video

Very informative, thanks

@johngwatts

4 жыл бұрын

Very welcome!

Awesome info!

@johngwatts

2 жыл бұрын

Thank you my friend!

Excellent and very helpful. I will be going to court on credit collector. No money for attorney, needs this kind of help. THANKS

@johngwatts

8 ай бұрын

Hope it goes well and see if you can at least talk to a lawyer in your state to get some advice before going to court as each court/state is different. Here is a link to help you find a consumer lawyer www.consumeradvocates.org/find-an-attorney in your state and also here is a video going over how to use the website kzread.info/dash/bejne/h4KMsZmqmMitccY.html. John

great video!

@johngwatts

3 жыл бұрын

Glad you enjoyed it and thanks for commenting!

God bless you man.

@johngwatts

3 жыл бұрын

thanks!

Love this video, thank you.

@johngwatts

3 жыл бұрын

Very welcome! John

I love you you are amazing thank you so much for all of the wonderful tips

@johngwatts

3 жыл бұрын

You are so welcome! Thanks for commenting.... John

Very, very well said.

Thank You for your advice. I am going to court in a few weeks. Your appearance and what you bring to court is very important. Once I showed up to a criminal trial with an iPad, tape measure, and other miscellaneous items. The prosecutor dropped the case.

@johngwatts

2 ай бұрын

That's fantastic! :)

I wish you were in Ky.. You have a good way of explaining things.

What happens if the debt collector is also a law firm and has not purchased the debt but is representing the bank taking you to court on the bank's behalf

Really enjoyed this!!! I've been listening to different videos all day...i subscribed to him earlier...i live in Birmingham and will be filing a 7 i have a garnishment for a car that's from 15 years ago....learning some great info from Mr. Watts and I really like how he's offering knowledge thats free to learn by just listening!!!!

@mdavis3610

3 жыл бұрын

Since you live in Birmingham, consider paying this lawyer. Some things are easier to settle and to handle. Fifteen years ago, a garnishment is terrible but not unheard of with debt collection depending on the state. God bless.

@mccainjay

3 жыл бұрын

@@mdavis3610 Seams like a statute of limitations would have kicked in. 🤷‍♂️

Thank You

Thank you!!!!

I love this

👍👍👍 great advice thank you,,,

What do say if they ask you did you pay off the debt but you paid the agreed upon settlement amount? How do you answer that without offering more than what was asked?

thank you sir

@johngwatts

3 жыл бұрын

Most welcome!

I sit through these trials from time to time. In the few that go to trial, pro se defendants often make the debt collectors case for them. Most are default judgments. (Texas)

@johngwatts

4 жыл бұрын

Yes great point. Thanks for comments! John

I wish you practiced here in Texas. I could use your expertise.

@johngwatts

3 жыл бұрын

Thank you -- its on my list but right now I'm a bit buried in lawsuits. :)

If they ask you a question but you truly don't remember, how do you answer that? Just say "I don't remember?"

@johngwatts

4 жыл бұрын

Perfect! That's the only truthful answer so that's how you answer. Thanks! John

We got a letter brought by sheriffs office from a debt collector lawyer. It’s a lawyer. They said they were hired by Citibank and they didn’t buy the debt. My husband got scared and called the lawyer and they talked him into a crazy high deal of $375 a month for 4 years. I told him not to make that deal coz we can’t afford it. But we do own a house(not paid off) and my husband makes $75,000 a year but I’m sick and don’t work. We are truly barely making it. Hubby is afraid they will garnish his wage to such a high amount that he won’t be able to pay the mortgage and bills and we will lose the house. The debt is $22,000. How do we find out if this lawyer bought the debt or is really hired by Citibank. Is there any way to make a lower deal with Citibank.

It would appear that I'm the newest/latest to comment herein. Damn good advice you've offered up here and you know that old saying that, One who represents them self has a fool for a client. That holds true in most cases simply because most people want to argue their case when they should except and or acknowledge the allegations address them and do not dishonor the court by arguing with or allowing your emotions to control your mouth for if you do then you loose so don't argue the case just state the facts of the mater, truth and logic usually triumph. Or that's my belief.

Good info, good communicator..between Mr. Watts & Dave Ramsey I'm good to go

@johngwatts

3 жыл бұрын

Thanks!

Thanks a lot for all the info.

@johngwatts

4 жыл бұрын

You are welcome!

Your right

Hello John I really enjoy your vids and your website is extremely helpful. I have some questions please, I checked on a case for a lawsuit filed with the court and the remedy amount is different than the amount within the summons papers I was served. (ex. case online with court says $3,505, summons papers "affidavit" says $3,538) In general can cases be dismissed due to conflicting information? can this case be dismissed? Should I still send an answer to the plaintiff and court? (I'm not in Alabama...unfortunately :))

@johngwatts

4 жыл бұрын

First I would get with a lawyer in your state -- www.consumeradvocates.org/find-an-attorney Here in AL that difference would not be enough. Maybe court costs or interest or some other explanation. I would bring it up but I don't think any judges here would dismiss over that. So I would answer. Here is a video on answer vs. motion to dismiss -- kzread.info/dash/bejne/aquYwbKdgdfOhaQ.html Best wishes! John

@persistall

4 жыл бұрын

@@johngwatts Thanks again for the information! I really appreciate it.

This has been very helpful. I am being sued by a debt collector. Thjs happened once before several years ago. I didn't answer but showed up for court. At that time, i had a payment plan of $50 a month. I had a little extra money for a couple of months and paid $75 and the company took me to court to permanently change my payment to $75 a month. When i got to court the lawyer headed me off before we went in and convinced me to sign a paper to change my payment so i could avoid going into court. It also tacked on court fees to my balance. It was probably a mistake but i felt really intimidated by him because i had no idea what to expect. This time i am going to make a response to the petition. Does the court usually require the defendant to pay the court fees?

I fell behind on some loans and credit cards ever since this pandemic. I take care of my 80 yr old Mom she has dementia and Alzheimer's. I'm from Texas don't know much about the law. I have a collection agency suing me. I have to go to court next month. I received a court letter by mail and not by a constable deputy. I do remember signing a contract with loan company not with a collection agency. We're barley making right now. Sir what would be your advise on this?

Thanks for the tips .. mabey I need a lawyer

Do you have any videos on how you handle original creditor cases?

@johngwatts

3 жыл бұрын

You can take a look at this one -- kzread.info/dash/bejne/gKOJmZqRn6zeks4.html. It is harder (not impossible) to deal with original creditors in most situations. If you have specific questions/ideas for videos I'm happy to add those to our list thanks! John

hey i would like to know about the arbitrary agreement under terms and agreement. can you suggest that as a last option. I know its expensive and most credit card company won't want to go down that route.

@johngwatts

3 жыл бұрын

It can work if you are sued. Have to show the contract has arbitration -- here is a helpful website -- www.consumerfinance.gov/credit-cards/agreements/ Then you file a motion to compel arbitration assuming you can show you fit the requirements. Sometimes there are exceptions to small claims collection type cases etc. Some credit card companies may abandon the cause but others will pay -- even when it is more expensive than the case is worth -- just to prove a point that they won't give up. Never know till you try. And you do have to consider whether you have a better shot in court or in arbitration. Great question thanks! John Watts

My apologies for the multiple questions I'm very inquisitive and nervous. I do respect your time and if you can please answer I'd appreciate it. What if the JDB provides the full purchase agreement including that bill of sale. Will the stance of personal knowledge still stand? I also have a notarized affidavit included in my summons. At what point can I file a motion to strike that information from the case as hearsay? Due to it being an affidavit from the JDB.

@karlashepperd8037

3 жыл бұрын

You need to get a lawyer in your state. This generous man is not going to answer all your questions. If you can't afford a lawyer, try legal aid.

@TexasNewsOwL

2 жыл бұрын

@@karlashepperd8037 people get paid on youtube.

Hey John. I got a summon about a year and half ago. I paid an attorney at that time to pushed out the claim in court until last month that court tried to dismiss the case for lack of persecution. Last week the attorneys from the collection reply to court and the last document that shows on my case is a letter of appearance. It also has a hearing date. The attorney Is charging me a chunk amount just for settlement at 75% and he says they won settle for less. Should I contact the collection agency to try to settle myself? Do I have to attend that hearing? Thank you in advance. Your video was very helpful.

@TexasNewsOwL

2 жыл бұрын

I think some of those lawyers buddy up with the debt collector. 75% and attorney fees you might as well call yourself.

Great video!! If you file an answer and realize you should have selected the box that deny that you are responsible instead of “I admit that I owe some money but not the total claimed” what should you do?

@johngwatts

3 жыл бұрын

I would file an "amended" answer where you change (amend) it to what you want to say. Most courts allow you to do this. If I get a moment between meetings I'll do a quick video on this.... John

@sarahs7751

3 жыл бұрын

@@johngwatts i think i need to do this. I had a credit card debt- unpaid for awhile cause of the covid loss of money and I failed to contact them so they sold my debt to midland credit. I called them cause they said in a letter if I didn't pay they'd take me to court and they asked my some questions and I said yes. But looking back i don't believe I owe them anything and they bought my debt to my original credit account so it seems I owe them nothing. How do I make an amends letter? What's it called so I can learn how to do it?

Hello John, my husband is being sued by portfolio recovery. His pretrial is scheduled for January 27. He consolidated all his credit cards 2 years ago and was always making payments on time until he got diagnosed with stage 3 cancer in oct 2019. It’s only been 2 months since he stopped making payments with the company. Do you know if the judge will have any consideration for his condition. He is still working but his chemo treatments start in late January.

I’m in Missouri and my mother was served a summons for me that she didn’t mention is that legal? I do not live with my mother

I got to go to court on Jan 8th in mass. Wish me luck...

@johngwatts

4 жыл бұрын

Hope you win!! Let us know how it goes. John

@beeasy6170

4 жыл бұрын

@@johngwatts Will do. Thanks for all of the info. Definitely gave me some confidence...

I thought I wasn't allowed to see any documents how do we wind up to testifying

Hello thank you. If I a process server leave a note for you to call them to come back so that they can serve you papers in the state of Maryland should you call them.

Well I need to see the documents

Do you have to answer them on your social security number? If they ask it. I know that is a trick they do. How do you handle that question??

My friend sued a collector company under the FDCPA because the collector tried to collect a false debt, they accused him of a false transaction, however the federal court says that even though they were in default they cannot issue a judgment against that company because he is a not a consumer and is not a collection and there is not a transaction. I read in case law however, that my friend was involved under a non consensual transaction and he is protected under de FDCPA

Hi I just went to court and the lawyer dismissed without prejudice. I have a copy of the filing. Will they be allowed to come after me later. And will I be able to have this removed from my credit report

@johngwatts

8 ай бұрын

At least in AL a dismissal withOUT prejudice is like they never filed the case to start with. Means nothing for credit reporting and they can sue again. BUT if you filed an answer denying the debt, see if the debt collector has marked your report as "disputed" -- if not, you may have an e(8) claim under FDCPA -- www.law.cornell.edu/uscode/text/15/1692e "(8)Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed." Best wishes John

Is it true most companies such as Midland Bank send someone to court who really doesn’t know much about the case because they are a paid person just to represent them. Is it in my best interest to ask when did they learn about my case and review it? I’ve heard they usually just get to see it a few hours before the court hearing. That is if I’m representing myself.

If the Debt Collector or buyer tells you and the Court (or admits) they purchased the debt and now owns it, what legal right does this debt collector/buyer have to collect a third party debt without a legal binding contract with the debtor?

@johngwatts

2 жыл бұрын

If a debt collector *actually* buys the debt, then they normally can collect. They step into the shoes of the original creditor in terms of the contract with the consumer. The problem is often they don't prove they actually bought the debt when it comes to court.... John

Hi John, I went and watched a case and noticed the judge ask if you want to talk before talking to him. Is it a good idea to talk or just go straight to my case. I’m being sued by midland.

@johngwatts

3 жыл бұрын

I'm not a big fan of it but if you do, just be careful and be prepared for it. Here's a video that might help -- kzread.info/dash/bejne/dKeL2aaegtq9gtI.html Best wishes! John

@belindacole7239

3 жыл бұрын

@@johngwatts Thank you!!

John, being sued by LVNV Funding. LVNV sent a Bill of Sale and assignment of accounts from credit one BANK NA TO MHC RECEIVABLES LLC . What does this means