After suffering from a poor credit report for years, Mark Clayborne went on a mission to study everything he could on restoring his credit. Concluding the extensive research, he repaired his credit report and learned various hidden secrets on how to improve a bad credit file. Because of this new found tested knowledge, Mr. Clayborne helped over a hundred consumers repair their credit and take their financial life back. Now, he wants to share these strategies with the world and as a result HIDDEN CREDIT REPAIR SECRETS was created which has sold over 1000 copies as of today. Mark is a certified credit consultant with over 100 articles written in the area of credit repair and a successful radio show titled “Who Else Wants Better Credit”, which is aired on Blog Talk Radio every Tuesday & Thursday at 7:30PM-PST. Mark educates his customers through articles, videos, his blog and various credit repair kits. He graduated from Virginia Commonwealth University with a Bachelor's Degree in Criminal Justice. He also holds a paralegal diploma. He currently lives in sunny California with a beautiful wife and lovely daughter.

1. Hiddencreditrepairsecrets.com
Presents
Suing Collection Agencies - Discover
the 6 Things You Need to Know Before
Going to Court

2. Just to let you know that collection
agencies are no dif ferent than credit
bureaus when it comes to suing in
court. However, before you take the
legal step to sue in small claims court,
there are six things you must know
right before filing a lawsuit.

3. Suing Collection Agencies - 1 - Know who serves
the collector with the complaint.
Anyone not af filiated with the case may serve
the bureau, but you are responsible for having
the complaint served. Once you file, the
complaint has to be served right away, and
proof of delivery must be filed with the court 10
days from the court hearing date. You can use a
sherif f, a third - par ty not involved in the case,
or a process server. You can also send it by mail
with a certified return receipt. When mailing,
make sure you ask for restrictive delivery,
meaning a register agent for the company needs
to sign for the complaint and check with your
court for serving procedures.

4. Suing Collection Agencies - 2 - Know how to
find a register agent (a representative of the
company) for the collection agency.
Go to the Secretary of State website where
the company is based, and do a name
search. If the company is out of state, then
you need to look for their register agent in
your state. Once you find the agent, you can
have them served with the notice of
complaint. Do a search on the Better
Business Bureau website and Google for
resident agent to locate the agent of the
business?

5. Suing Collection Agencies - 3 - Know how to
prepare for the trial.
You can prepare your evidence by getting a copy
of the laws, outlining your argument, and
learning what the collector may present at the
day of court. Thoroughly organize and study
your evidence. You will need to prep your
witnesses, put your recordings in order, review
your journal of notes from the collector, pull
your phone records, and review any medical
records for proof of emotional distress. Review
the laws that were violated and take a
highlighted copy with you to court for the judge
to review. Outline the events that took place
step-by-step. You can even practice presenting
your argument to the judge in front of a mirror.

6. Suing Collection Agencies - 4 - Know what goes
on in the hearing.
You should arrive early and dress professional,
as there will be others in the court also trying
their cases. The clerk will call the role from the
docket to see who is there. If only the plaintif f is
present (meaning you), the judge will issue a
default judgment awarding you the case
automatically. If the defendant ( collection
agency) is the only person to show up, the case
will be dismissed. The judge will ask the parties
to try in settle their matter with a mediator
waiting outside in the hallway. If a settlement is
unsuccessful, your case will be heard in order.
When your case is called, you and the defendant
will present arguments to the judge, and after
hearing both sides of the story, the judge will
deliver a decision right away or later by mail.

7. Suing Collection Agencies - 5 - Know what
happens if I don't win the case? Know if you
risk losing anything.
If you don't win your case, you may have to
pay the defendant's attorney fees if the small
claims court in your area allows those fees to
be collected from the defendant (the
company you are suing), so check with the
small claims court about this issue before
filing your case. Furthermore, you will lose
your filing fee, and any money you used to
bring the case to court. In addition, the
defendant can try to collect any fees, they
accumulated trying to defend the case
against you.

8. Suing Collection Agencies - 6 - Know if you
lose, will any fees be added to your negative
account balance.
No. There will be no additional fees added to
your balance, unless the original contract
you signed with the creditor allows for legal
fees to be collected. Read through your
contract before taking your collector to
court to better understand what they can
collect if you lose the case. Now if you are
suing the creditor bureau, then their general
fees to defend against the suit will apply in
this situation.

9. Being prepared for small claims court is a big
factor on how your case will turn out. So pay
attention to the six tips mentioned in this ar ticle
before you enter the legal arena. Now that you
are empowered with more information, go out
there, and take action.

10. If you are ready to say goodbye to
credit rejection and debt collectors,
visit hiddencreditrepairsecrets.com
and sign up for the Free 8-Day E-Credit
Repair Course, and claim your Free
Gift-60 minute Podcast on Rebuilding
Your Credit
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