posted June 02, 2014 01:52 PM            

Just as one example, I want to focus on debt collection defense when I first get my law degree. These vultures buy bad credit card debts for pennies on the dollar and then attempt to collect the full amount plus interest and fees by suing the debtor. Their business model is that 95 percent won't answer the complaint, and then they win a default judgment against them and garnish their wages. People are scared about going to court and feel intimidated. Many are struggling financially, and the last thing they need is to have their pay cut to pay off bogus debts. So, they ignore it and hope it will go away.

It doesn't take any evidence to file a lawsuit, but it takes a lot of evidence to win one. The burden of proof is on the one filing. When they are assigned the debt by the original creditor, they buy them in bulk, and they get very little information. They robo sign false affidavits, and they generally have no live witnesses from the original creditor show up in court, so the affidavit is heresay. The original creditor has written it off, taken a tax deduction, and shredded the paperwork. As a lawyer, I can beat those bozos in court all day long. So, here is my plan:

Getting clients for a new attorney is difficult. A law practice has to be built over time--just like anything else worthwhile--a business, friendship, relationship, or even LL. So, what I am going to do is take every case at no charge. It will only take me around five minutes to get these cases dismissed with prejudice (meaning they can't ever sue my client over the debt again in the future). Taking these cases free will allow me to help dozens of people each week. I will get lots of experience very quickly, and the big third party debt collectors will know my name well. Occasionally, I will catch them breaking the Federal Debt Collection Practices Act (FDCPA). This law is a strict liability statute. There is no defense. Either they broke it or they didn't. When I come across those cases, I will file a federal suit against them on behalf of my client (they always file their bogus cases in small claims or state court), and I will get paid then, because my fee will be paid by the debt company when we win. So, I will make some money here and there. But after having beaten each particular debt company numerous times with zero losses, when I call them with an FDCPA claim, they are going to want to settle before I file it. They don't want to go to federal court. Federal court judges understand federal law very well (unlike municipal and state court judges). And a loss there hurts all of them by precedent. Plus, an FDCPA violation also invokes a GA law that is far worse. It allows for treble (Latin for triple) in damages. So, in those cases, I would file a parallel lawsuit (parallel to their suit) in federal court citing the FDCPA and state statute...and also the Fair Credit Reporting Act (FCRA) if they report false debts on my client's credit report...get a mutual dismissal, and have them pay my client a big check (and my fee, of course). And they do break the law frequently. These companies are huge. They are way too big to not make mistakes. And remember, it's a strict liability law. It doesn't matter if they broke it by mistake or not.

posted June 02, 2014 02:04 PM            

I sincerely wish you absolutely the best with all of it, and sent very positive energy to you as I read it. Still sending!

posted June 02, 2014 02:13 PM            

quote:

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Originally posted by Randall:
When you right a wrong in the world, do you take on their Karma as your own? Karmic relationships are so complex and intricate. But if I see a wrong, I want to help. That's the sole reason I am going to law school. It's not about money or power or getting a good job or any other of the reasons people choose the legal profession. By interfering in the Karmic lessons of others, do we then become part of that connective web? And if so, are we not supposed to assist those in need? Because I feel compelled to do so, despite the possible consequences.

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The Universe is enormously complicated. How on earth is anyone to figure out the divine plan for each person and act in accordance with it. All you need to be concerned about is that your intentions are good. If that is the case, then on no account will you incur or take on karmic debts that belong to another. That is plain common sense.

posted June 02, 2014 02:15 PM            

I've always thought that if we right a wrong it's us healing our own karma,because if we're fixing a wrong then it's our lesson to learn because we're the one that ultimately has to learn a lesson from whatever it is that we have done wrong.

I don't think it has anything to do with the other person karma at all,i do think that person was put there for us to learn a lesson from.

posted June 02, 2014 03:32 PM            

A lot of lawyers unfortunately take on cases for solely the money, employ illegal or immoral tactics, or simply choose the easiest route of success for the notoriety.

posted June 02, 2014 04:22 PM            

quote:

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Originally posted by Randall:
Suing people to get judgments against them when you have no real evidence in the hopes they won't fight back just seems really slimy to me. I'm going to enjoy helping others defend themselves againt those bottom-feeders.

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It sounds like it is your passion. One's passion shows where one is supposed to give, on earth imo

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posted June 03, 2014 11:01 AM            

I kind of need help. How can I pm you?

posted June 09, 2014 12:19 PM            

But it sounds like a good plan for you, Randall!