Thank you YOU ARE LAW!!!

I won $1000's and more coming.

Thanks for the information that you have provided in the Debt Deleted Course. I have done a lot of other research and learning the process of filing and winning a lawsuit.

RE: XXXXX Credit Management Inc Collection agencies VICTORIES (name redacted)

XXXXX Credit Management Inc (MCM) has been on my credit report for couple of years now. WIth your process, I disputed with all 3 credit agencies before starting the process. I then sent out all 3 letters to MCM and they replied with irrelevant letters and statements as you say they will.

Then, I then drafted a lawsuit (a strong lawsuit with Jurisdiction and Venue, Introduction, Factual Allegations, Cause of Action – Violation, Case Law, Demand for Relief, Exhibit List, Request for Admission, Request for Production etc.) and sued them under 15 U.S.C. § 1681s–2(b) Violation. I tailored the lawsuit around these violations explaining the steps I have taken with MCM to verify and validate the debt. I opened 3 lawsuits, one for each credit agency, in small claims court. MCM hired an attorney on the case and it was moved from small claims to regular civil. The process changes there as well and I then had to modify the Request for Admissions and Request for Production (Request to Product) to fall within the statues.

BUT THEN…as TJ predicted, MCM attorney called me wanting to settle. At first, they offered tradeline deletion for dismissal of 3 lawsuits with prejudice. I informed the attorney that MCM has injured me and I demanded $2,000. MCM attorney called me back and said they will agree to $500. I argued that this case will cost MCM way more than $6,000+ to litigate. Like TJ says, never accept the first offer. I stood my ground and argued MCM will never be able to prove they own the allege debt and that the amount is inaccurate per their purchase agreement. We agreed to 2k, tradeline deletion and dismissal of all lawsuits with prejudice. When I received MCM settlement agreement, I noticed a lot more paragraphs that I never stipulated on (Modified Settlement Agreement PDF). I told MCM attorney that I never agreed to these additional clauses. The attorney said that MCM will not modify or delete those clauses and I need to sign. (contract law states that our basic agreement is legally binding and can be enforced if either party chooses to do so). I know I can get more money and file 3 additional lawsuits for other violations. I informed the attorney that I will proceed with litigation, file 3 more lawsuits, and I filled NOTICE OF NON-SETTLEMENT with the courts and for Summary Judgement for MCM failure to respond to Request for Admissions. MCM lawyer said that she did not agree to me filling the motions with the courts and said the basic agreement is enforceable. I responded to her say “so you do agree with me that the original agreement is enforceable and legally binding, and you are welcome to go enforce it with the courts, as it will be in my favor.” Ultimately, MCM had to remove the other clauses that were not stipulated on. (Markedup Fully Executed Settlement Agreement).

I also followed the same process with XXXXX Recovery Associates (PRA) and it is the same attorney that represented MCM. The attorney knows my process and already offered to settle for $2,000. I already demanded $6,000 and I am going to stand on that, as I now know MCM and PRA purchase agreement states that the “original creditor makes no representation that this information is correct “as is””, and I know they cannot prove they own the alleged debt. A Bill of Sale is not a chain of title (purchase agreement).

I just keep on winning, thanks to Youarelaw.org plus the work effort they taught me to have.

Thank you, Jeremy, Arizona

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