Showing posts with label Motions. Show all posts
Showing posts with label Motions. Show all posts

Sunday, December 4, 2011

Surviving Motions to Dismiss In-Debt Collection Cases

When you're being sued on a debt by a debt collector, one of the best things you can do is often to file a counterclaim. This might be based on any number of laws, but most typically you will have a claim under the Fair Debt Collection Practices Act. Particularly if you are pro se (representing yourself) you should probably expect the debt collector to file a "Motion to Dismiss."

Legally, a motion to dismiss is designed to "test the legal sufficiency of the claims." That is legalese for deciding whether the law makes what you claim happened illegal, gives you the right to sue the other person, makes the other person the right person to sue, and so on. In other words, if what you say is true, does the party you are suing owe you money? Pragmatically, the motions might be more a way to force you to restate your pleadings to be more specific, to test your willingness to fight the debt collector, to please a client, or just an easy way for the law firm either to train new lawyers or generate fees. You will probably never know the actual reason for the motion, but if it is granted, your claim will be dismissed (kicked out), so you must take it seriously.

On a motion to dismiss, the court is required to consider every fact pleaded in your counterclaim (I'm assuming here that the debt collector is bringing the motion against your counterclaim) as true. Given the truth of what you say, the debt collector will argue that the law simply does not provide you a remedy. Actually it goes further, though. The question before the court is whether there is any set of facts, consistent with your pleadings, that would give you a right to sue.

If you are opposing a motion to dismiss, your general strategy should first be to relate your claims to the words of the law under which you are bringing your claim. If the Fair Debt Collection Practices Act says (as it does) that the debt collector must stop calling you at work under certain circumstances, for example, and your claim alleges those circumstances and the fact that the debt collector continued to call, then you will defeat the motion.

Sometimes it is not so clear, obviously. Debt collectors are prohibited from various "unfair" or "deceptive" collection practices, and not all of these are specifically enumerated in the law. In that case you will want to find a case involving similar actions where courts have declared the practice illegal. Failing that, you will make the strongest logical argument possible that the action in dispute is unfair or deceptive.

Remember that although every fact will be considered in your favor (every "close" question of fact should go your way), the court will decide close questions of law. That means that even if the judge thinks that calling you seven times in an hour is unreasonable and illegal, he might decide that calling you six times was not unreasonable. That is because the question is not how often you were called, but whether the number of times called was "reasonable," a decision the judge is supposed to make. For this reason, it makes sense to state the facts strongly and make your best case.

Friday, December 17, 2010

Motions to compel the production when it is sued for debt (Part 3 of 4)

Other situations are more complicated than when the debt collector offers no response. If the debt collector requests for additional time, the court is almost certainly going to give. His main objective in this situation is to force the debt collector has to admit that none of the documents in his possession. A push for such recognition, it is possible to oppose the proposal to extend the term and ask "partial" responses. Or you could wait to get theiranswers and then submit a second round of interviews in which you ask where all the information to answer questions before the date of the request for extension of time.

Try to get them to admit they do not have the material you are looking for

I believe that obtaining an admission that the information was not in possession of a debt collector, when the research important because the ethics of the law in many countries requiresan independent lawyer to examine a case before the presentation to ensure that it has any merit. If there are no records, how can they have done an analysis of the "independent"? They obviously can not have. Check the legal requirements of state ethics, and if you admit to not having the documents, you may consider adding a counterclaim in the Fair Debt Collection Practices (FDCPA), on that basis. Because if they are violating state lawethics or to file a complaint against you is unfair "practices of debt collection.

The objection response All

The situation is a more sophisticated and demanding objection. They, of course, have objected to each of the things you need. And since the lawyers have the full team is carefully worded charges, will work for you to do.

This is a good time to do the job

However,this is a good time to put in long hours. A good result here, probably lead to a spectacular victory. Remember, lawyers for the other party has a lot of modules ready to go, but they are not used to people fighting. If not configured to control the aggressive move, and if it is difficult at this stage is likely that, as my client has said that "sometimes like a cheap suit."

Do not let its appearance fool of simplicity and contempt. It's a serious pain for them at this timeand that cost someone a lot of money. Or seen from another point of view, to expose to prevent some other poor devil (probably dozens, actually) and put them in the poor house.

You are doing a public service!

But however you want to see, has an advantage, and how to make it pay is to push the knife and twist. As soon as possible.