1. Hiddencreditrepairsecrets.comPresentsSuing Collection Agencies and Credit Bureaus - Questions and Answers

2. Lets face it, we all try to avoid going to court due to the time required and the expense. However, sometime we haveno other choice but to use the court system to get the big bad Creditbureaus and Collection agencies to follow the law. When these companiesviolate your rights, you have to fightback by taking them to small claims court. In this article, I will discusssome of the questions, and answersposed to me about suing in small claims court. 3. Suing collection agencies and creditbureaus questions and answers 4. What is small claims cour t?Its an informal, inexpensive procedure to handle a claim. In this cour t, the plaintif f (you)and the defendant (the credit bureau, collection agency, or creditor) argue a cause of action infront of a judge that can produce a monetaryaward in between $100 to $10,000 depending onthe state court. 5. The benefits to filing in small claims court are as follows:* You dont need an attorney* The case is short* You represent yourself* You dont need any legal training* There is a small amount of paperworkinvolved* Rules of the court are simple 6. What are the powers of the court? In the small claims, the judge can award claims for money such as out of pocket losses directly related to the subject matter of the suit. For example, you can be awarded the cost of thesuit. These include the filing fees, sherif fs fees, and witness fees. The judge can also order thedefendant to pay punitive damages if he violateda state or federal statue, and it allows damages.The judge, however, cannot issue out rulings on specific performance (making someone complywith a contract clause) or injunction relief(stopping something from happening). 7. What is a cour t of Equity? These courts have the power to order acompany to complete a specific performance. Ifyou are trying to get an item removed from yourcredit report, and you sue the credit bureau in a court of equity, you have a good chance ofgetting it removed. The reason for this is the credit bureau/creditor/collection agency wontshow up, and you get a default judgment. Now, ifyou are suing for monetary damages, the bureau may file a motion to have the case moved to Federal court. In this case, you would have tohire an attorney. Before filing your claim, ask the clerk of court if the court is a court ofequity. 8. What type of cases can be heard?Any type of case involving a small amount ofmoney can be heard. The courts have limits on how much you can sue for, and if yourclaim is over that limit, you must hire alawyer and sue in higher courts. 9. Who can I sue?Any person or business that currently resides, works, or does business in your state. You must, however, be able to providea current address (not a P.O. BOX) for thedefendant. Talk with the clerk of the court to make sure that the defendants address is inthe right district. Moreover, you want to makesure you have the bureau or collectorscorrect name to avoid the case from beingdismissed based on a technicality. 10. If you are ready to say goodbye to credit rejection and debt collectors, visit hiddencreditrepairsecrets.comand sign up for the Free 8-Day E-CreditRepair Course, and claim your Free Gift-60 minute Podcast on RebuildingYour CreditHiddencreditrepairsecrets.com