WEBVTT
00:00:13.839 --> 00:00:18.079
Hey, introduce yourself to our fans and members.
00:00:18.640 --> 00:00:19.839
What's your name?
00:00:20.399 --> 00:00:22.640
Scott Streeter from Massachusetts.
00:00:22.960 --> 00:00:33.039
And I wanted to interview you, actually, you asked me, uh, because of your great victory, but not just one victory, you had two victories against who?
00:00:33.840 --> 00:00:36.159
Good old LVNV funding.
00:00:36.719 --> 00:00:37.840
Our old friend.
00:00:38.159 --> 00:00:42.399
Uh you were served back in 2025 or 2026?
00:00:42.719 --> 00:00:48.159
Yeah, it was uh spring, uh May for one of them and July for the other of 2025.
00:00:48.479 --> 00:00:50.960
And did it come by mail, by a person?
00:00:51.119 --> 00:00:52.399
How what happened?
00:00:52.719 --> 00:01:03.200
So I was on vacation and I had got an alert on my doorbell camera that there was activity at the front door, and it was the sheriff dropping off that wonderful paperwork that we all know.
00:01:03.439 --> 00:01:06.560
And the second time I was actually home and he actually handed it to me.
00:01:06.799 --> 00:01:09.439
So one in the spring and one later?
00:01:09.840 --> 00:01:11.280
Yeah, about two months later.
00:01:11.599 --> 00:01:14.640
And what what were your feelings when you got these lawsuits?
00:01:14.959 --> 00:01:20.640
Um, not unexpected, because you know, I had been getting the resurgent text messages.
00:01:20.719 --> 00:01:34.480
I don't think I'd really gotten any any other, maybe a letter or two, and kind of did the old stick my head in the sand and hope it would just go away and maybe they wouldn't sue me, but I kind of knew deep down they were going to.
00:01:35.040 --> 00:01:37.359
And, you know, I read a great thing about you.
00:01:37.439 --> 00:01:39.359
You actually have a great history.
00:01:39.599 --> 00:01:41.599
Tell us quickly your history.
00:01:42.159 --> 00:01:47.920
Yeah, um, so the the Streeter family line, um, we we immigrated to uh the U.S.
00:01:48.000 --> 00:01:50.480
back in 1601 from England.
00:01:50.879 --> 00:02:07.840
And I have had a direct ascendant in every major conflict and war in this country, going all the way back to Revolutionary War, uh, War of 1801, World War I, the Korean War, World War II, you name it, we've been there.
00:02:08.080 --> 00:02:16.319
And I feel like I draw on a lot of that with my resolve and stubbornness and willingness to just fight.
00:02:16.719 --> 00:02:22.080
And you're a great American with great American roots in what state?
00:02:22.400 --> 00:02:25.280
In good old Massachusetts, where it all started.
00:02:26.639 --> 00:02:27.759
We're the stronghold.
00:02:28.080 --> 00:02:31.439
Yeah, so you have to start answering the lawsuit.
00:02:32.080 --> 00:02:33.280
What did you do?
00:02:34.319 --> 00:02:36.800
I think I did what everyone does, and I panicked.
00:02:37.599 --> 00:02:40.159
And I knew I had to file something.
00:02:40.479 --> 00:02:52.960
So I filed an answer, you know, just your basic accept deny, or you know, the the garbage answer that nobody wants to really file, but I didn't know what else to do, but I knew I had to answer it.
00:02:53.280 --> 00:03:06.319
So I did that and then immediately started researching on the internet who's LVNV, and that's when I came across uh kill debt and signed up almost immediately.
00:03:06.800 --> 00:03:07.120
Okay.
00:03:07.439 --> 00:03:09.280
And there are two lawsuits.
00:03:09.439 --> 00:03:09.680
Yes.
00:03:10.000 --> 00:03:11.680
You bought them both at the same time?
00:03:11.840 --> 00:03:12.400
How did that work?
00:03:12.479 --> 00:03:13.759
Is it the same judge?
00:03:14.080 --> 00:03:16.159
Uh yeah, same same judge for both.
00:03:16.240 --> 00:03:25.840
And like I said, they were two months apart, but I think by the time I had gotten to the first hearing, the judge says, you know, just for ease, let's just combine them both.
00:03:26.000 --> 00:03:27.680
They'll be on the same dates that way.
00:03:27.759 --> 00:03:29.680
You only have to show up one time for both.
00:03:30.080 --> 00:03:30.400
Yep.
00:03:30.560 --> 00:03:32.800
First hearing, how did you prepare for that?
00:03:32.879 --> 00:03:34.639
And what was the first hearing?
00:03:34.960 --> 00:03:38.400
The first hearing was more or less do you dispute the debt?
00:03:38.560 --> 00:03:42.319
Is there any resolve, uh, any any you know resolution to it?
00:03:42.479 --> 00:03:45.919
Anything we can just kind of almost just get it out of court as quick as possible.
00:03:46.080 --> 00:03:48.159
And I told him, Nope, I'm here to fight.
00:03:48.319 --> 00:03:52.000
I I don't believe I owe this, and they're gonna have to prove it.
00:03:52.400 --> 00:03:53.919
He didn't know who he was up against.
00:03:54.479 --> 00:04:04.479
No, and that in that poor coverage attorney, he uh he couldn't even get out two words, and he said, Oh, we we we need another hearing, and we're we're gonna have to do some discovery and this and that.
00:04:04.560 --> 00:04:06.560
And he wanted out of there as soon as possible.
00:04:06.800 --> 00:04:09.280
Yeah, and that's I want people to take note of this.
00:04:09.439 --> 00:04:14.639
I plugged that coverage video I do, let me just put it up there, for a good reason.
00:04:14.879 --> 00:04:15.199
Yes.
00:04:15.599 --> 00:04:20.399
That lady or gentleman that's coming to cover thinks he's gonna have an easy day.
00:04:20.480 --> 00:04:25.759
It's gonna be no one showing up, not prepared, barely knows your name.
00:04:26.000 --> 00:04:26.240
Yeah.
00:04:26.480 --> 00:04:29.120
Um, and that's what happened to you, right?
00:04:29.360 --> 00:04:30.879
That's exactly what happened.
00:04:31.040 --> 00:04:32.720
You know, he had no clue.
00:04:32.959 --> 00:04:37.519
Yeah, he he was just hoping for that quick default and that I wouldn't be there.
00:04:37.680 --> 00:04:40.079
And just like like you say, 90%.
00:04:40.480 --> 00:04:45.279
Well, I think from my experience in that courtroom, it was probably 95% of people just didn't even show up.
00:04:45.680 --> 00:04:48.639
Had the answer, they're so much ahead of the game.
00:04:48.720 --> 00:04:53.360
Even if you work out a settlement, maybe you're not happy, you don't have to default judgment, right?
00:04:53.600 --> 00:04:54.240
Exactly.
00:04:54.480 --> 00:04:56.240
So exactly show up.
00:04:57.120 --> 00:05:03.759
Yeah, show show up and at least just, you know, if you're gonna lose, you're gonna lose, but at least show up.
00:05:04.079 --> 00:05:05.279
All right, fight.
00:05:05.759 --> 00:05:08.480
And you fought the good fight.
00:05:08.639 --> 00:05:14.079
What would you say was the main thing when you look at LVNV funding's paperwork?
00:05:14.399 --> 00:05:20.800
Either gave you confidence or gave you some insight where you go, hey, I might I maybe have to do something here.
00:05:21.360 --> 00:05:28.639
Yeah, and um, before I even saw uh the majority of your videos, I mean, I'm I'm very much an analytical type person.
00:05:28.720 --> 00:05:29.759
I'm very logical.
00:05:29.920 --> 00:05:38.399
I look at things step by step and looking through even the very first page of their complaint, they were claiming things that I knew weren't true from the get-go.
00:05:38.720 --> 00:05:40.480
I never had a promissory note.
00:05:40.639 --> 00:05:56.720
This happened to be with SoFi Bank, and later on, they had they attached a copy of the loan agreement, which specifically stated it was not a promissory note, and it was not a negotiable instrument, all things that they were claiming it was.
00:05:56.879 --> 00:06:02.319
And later on down the road, I actually got the judge to call them out on that, and they had no idea what to do.
00:06:02.639 --> 00:06:05.759
Describe for the viewers what that means.
00:06:05.839 --> 00:06:07.120
Uh, I read that in your notes.
00:06:07.199 --> 00:06:15.680
I thought it was very crafty of you their own documents against, and there's two things at play here, and I want people to understand this.
00:06:16.079 --> 00:06:30.079
Their stuff is garbage, they force out millions of these lawsuits, but yeah, back to what you said, knowing 90% of people aren't going to show up, so it doesn't matter what they say, so why put an effort into it?
00:06:30.240 --> 00:06:35.759
And what I want people to understand, my viewers and my members, this is an opening to you.
00:06:35.839 --> 00:06:36.879
They don't care.
00:06:37.120 --> 00:06:40.399
You just put a little care into it, and that's what you did.
00:06:40.480 --> 00:06:44.319
You read their paper, yeah, used it against them.
00:06:44.560 --> 00:06:54.480
And was there a time either in court or where you used it against them, but judge realized it, and you could see it on their face.
00:06:54.560 --> 00:07:02.639
I mean, tell describe how you reading that paperwork and the difference between a promissory note and what they professing it was or wasn't.
00:07:02.959 --> 00:07:05.519
Yeah, and and there was definitely a time in court.
00:07:05.680 --> 00:07:09.439
I think I had filed uh a motion for summary judgment.
00:07:09.680 --> 00:07:14.319
And, you know, it was probably too early on to do to do that.
00:07:14.560 --> 00:07:30.319
Even the opposing attorney was kind of like, this is more, this should have been a motion to dismiss, and the the judge kind of agreed, but he definitely was reading what I had written and called them out on that promissory note clause, you know, basically asked the opposing attorney, well, what's the difference?
00:07:30.560 --> 00:07:39.439
And the attorney kind of hemmed in Hawaiian said, Well, you know, there's different there's different elements to a promissory note where if we're holding the note, then there's no questions.
00:07:39.519 --> 00:07:42.560
He owes the debt, and there's you know, there's nothing he can really do.
00:07:42.720 --> 00:07:44.079
Yeah, but it's a loan agreement.
00:07:44.319 --> 00:07:45.920
And you probably picked up on that.
00:07:46.079 --> 00:07:52.639
When you put feet to their fire, their fallback or default position, well, he owes the debt rather than yes.
00:07:52.720 --> 00:07:56.000
Hey, the judge just said there's a difference between the way you're pleading.
00:07:56.240 --> 00:08:00.079
Yeah, I think I read somewhere the judge actually made them amend their complaint.
00:08:00.560 --> 00:08:01.199
He did.
00:08:01.360 --> 00:08:09.040
He did, because he he basically agreed with me and he said, Well, it's in black and white, and he highlighted it for both of us that this is not a promissory note.
00:08:09.120 --> 00:08:11.040
So you can't be suing them on that.
00:08:11.199 --> 00:08:16.160
And, you know, they backpedaled and he said, Oh, I know we're gonna amend that complaint.
00:08:16.399 --> 00:08:21.759
And basically the judge asked me if I was gonna allow that or oppose it, and I said, you know, go ahead.
00:08:21.920 --> 00:08:23.040
Let them amend it.
00:08:23.120 --> 00:08:24.240
They still have nothing.
00:08:24.800 --> 00:08:30.240
Important point here for everybody to listen here with Scott, but I can't emphasize this enough.
00:08:30.560 --> 00:08:38.080
I think the debt collector's greatest strength is in the first time you receive the lawsuit.
00:08:38.240 --> 00:08:38.480
Yes.
00:08:38.639 --> 00:08:44.320
As soon as you get beyond that, you start fighting, it becomes obvious that you're stronger.
00:08:44.480 --> 00:08:47.039
Five minutes of education, you're stronger than the other side.
00:08:47.200 --> 00:08:49.679
So it's a fear-based strength.
00:08:49.840 --> 00:09:02.720
And if you just get over, as I talked about, get rid of the emotion in these things, you are the perfect candidate to understand this because you are a logical brain, and that's not going to help you, and no emotion is going to help you, and you snow.
00:09:03.519 --> 00:09:05.519
And I again, everybody listen.
00:09:05.759 --> 00:09:10.879
The strongest backbone they have is your fear, you control that too.
00:09:11.039 --> 00:09:17.039
So once you jump in and answer the lawsuit, your options open up for you, and the fear.
00:09:17.200 --> 00:09:21.759
I mean, it's a difficult situation, but the fear won't be as strong as that first lawsuit that you received.
00:09:21.840 --> 00:09:22.240
Yes or no?
00:09:22.399 --> 00:09:23.200
You think that's true?
00:09:23.519 --> 00:09:23.919
100%.
00:09:24.399 --> 00:09:24.720
100%.
00:09:25.120 --> 00:09:37.200
And once you once you kind of settle your your your brain and your emotions down a little and you start looking at what the what's actually written on the paper, it almost just opens up and you just see all these defects.
00:09:37.360 --> 00:09:41.279
And you can exploit every which one individually or altogether.
00:09:41.440 --> 00:09:42.399
I did both.
00:09:42.639 --> 00:09:45.360
They they got to know me very well at the courthouse.
00:09:45.600 --> 00:09:48.799
Um, you know, every time I went into the clerk's office, she said, Oh, Mr.
00:09:48.879 --> 00:09:50.320
Streeter, you're back.
00:09:50.720 --> 00:09:57.360
And she admitted to me, she's like, We've never seen this level of work put in from any defendant pro se.
00:09:58.000 --> 00:10:03.440
And I'm not pushing this, but with kill that, it isn't necessarily hard work either to have a no.
00:10:03.679 --> 00:10:10.799
But and you talked about communication, they got to know me well, but a relationship requires a back and forth.
00:10:11.039 --> 00:10:17.279
I read from the notes that they were ignoring strong discovery requests that you made.
00:10:17.360 --> 00:10:19.279
And I hear this time and time again.
00:10:19.519 --> 00:10:24.960
I think if you come on strong at the beginning, it wears that guy out immediately.
00:10:25.039 --> 00:10:26.559
He's got thousands of cases.
00:10:26.720 --> 00:10:27.039
Yep.
00:10:27.519 --> 00:10:31.279
Banking on the 90% theory to get through his day.
00:10:31.440 --> 00:10:31.759
Yep.
00:10:31.919 --> 00:10:36.000
And I think in your case, they ignored a lot of your stuff to their own detriment, correct?
00:10:36.320 --> 00:10:36.960
They did.
00:10:37.120 --> 00:10:37.519
They did.
00:10:37.679 --> 00:10:46.399
And after that first um, first hearing with the coverage attorney, every other hearing was with their actual defense attorney for that law office.
00:10:46.480 --> 00:10:49.279
So they knew they had to put him up against me right away.
00:10:50.559 --> 00:10:58.480
And, you know, we went back and forth, me and him, and you know, he was he was a great guy, and I not that I befriended him, but I understood his job.
00:10:58.639 --> 00:11:06.080
He understood where I was coming from, and we'd do battle in the courtroom, and then we'd go and shake hands and you know, have a chit-chat afterwards.
00:11:06.159 --> 00:11:08.159
It wasn't anything personal.
00:11:08.559 --> 00:11:09.600
I liked this.
00:11:09.759 --> 00:11:14.399
That's a that says a lot about that person too, and he's affecting you.
00:11:14.799 --> 00:11:21.919
But during this situation, while you went through this process, were they talking settlement at any point?
00:11:22.320 --> 00:11:22.639
No.
00:11:22.799 --> 00:11:36.000
Um, I I I don't think they mentioned settlement until probably six months went by, and I had filed a handful of motions, and he was kind of getting tired of seeing me and said, you know, you can always try and settle.
00:11:36.159 --> 00:11:44.639
And I said, Well, you know, I'm I'm open to anything reasonable, but you know, I I don't I don't see a point to settling at this point.
00:11:44.799 --> 00:11:50.320
I and you got stronger, and I see this every day with members that I talk to.
00:11:50.480 --> 00:11:56.879
That I I don't want anybody to latch onto this, and but there comes a point where you go, I'm not settling.
00:11:56.960 --> 00:11:59.679
I'm even I'm gonna this is gonna go away.
00:11:59.840 --> 00:12:03.919
I'm not gonna pay blah blah blah, which is you gotta be a little bit more pragmatic about that.
00:12:04.080 --> 00:12:04.799
Yeah, yeah.
00:12:05.039 --> 00:12:09.200
Um, did you get to a point where you say they're starting to talk settlement?
00:12:09.279 --> 00:12:11.039
And it's like dating.
00:12:11.200 --> 00:12:14.240
They've got to make the first move for you to be the strongest.
00:12:14.480 --> 00:12:28.720
Yes, yes, and that happened, that happened probably um, I wanna say back in either May or June of this year of 2026, and I had filed uh my motion to compel.
00:12:29.200 --> 00:12:34.879
And I used their playbook and I filed it in open court, just like they file all their opposition.
00:12:35.200 --> 00:12:44.399
And of course, the coverage attorney was there, and he said, Well, we we're gonna have to read through this and we're gonna have to, you know, you know, we need to look it over before we can respond.
00:12:44.559 --> 00:12:50.879
And then when we walked out of the courtroom, he came up to me and said, Now is a great time to try and settle.
00:12:51.759 --> 00:12:54.399
Was it the same coverage guy, or they'd send a new one?
00:12:54.639 --> 00:12:56.639
It was the same one as the first hearing.
00:12:56.720 --> 00:12:57.519
So Okay.
00:12:57.840 --> 00:12:58.080
Yeah.
00:12:58.320 --> 00:13:00.080
And he got a little bit more authority.
00:13:00.399 --> 00:13:01.600
He did, he did.
00:13:01.840 --> 00:13:04.159
And uh 2026, you said?
00:13:04.399 --> 00:13:05.120
Yeah, yeah.
00:13:05.360 --> 00:13:05.600
Okay.
00:13:05.840 --> 00:13:11.759
And so if I recall, and this is a good lesson, you had filed requests for discovery.
00:13:11.840 --> 00:13:15.519
I think a request to admit that they had default, they did not respond to.
00:13:15.840 --> 00:13:29.919
They didn't respond to any of my requests that I had made in 2025 until I think actually it was probably June of 2026, and then they just dumped a whole pile of discovery, which wasn't even all of it.
00:13:30.080 --> 00:13:34.159
It was only the the you know, the things they really had to respond to.
00:13:34.559 --> 00:13:37.440
And what is the rule in Massachusetts?
00:13:37.600 --> 00:13:45.279
Not to get too inside baseball here, but when you follow a request to admit and they miss the deadline, even 28 or 30 days, yeah.
00:13:45.519 --> 00:13:50.080
What's the rule then as far as their response, if they're allowed to respond or is it too late?
00:13:50.159 --> 00:13:51.039
What's the rule then?
00:13:51.440 --> 00:13:58.879
Honestly, Brian, I believe it's up to the judge's discretion, and he just didn't care that they hadn't responded to any of it.
00:13:59.120 --> 00:13:59.600
All right.
00:13:59.919 --> 00:14:03.039
And scope though, from what I'm hearing, he was pretty good.
00:14:03.200 --> 00:14:05.440
He wasn't too far over on their side.
00:14:05.600 --> 00:14:06.960
There was a neutrality.
00:14:07.440 --> 00:14:12.399
Well, so in this course of the one year, I think I saw four different judges.
00:14:12.559 --> 00:14:20.399
And there was one or two that were reasonable, and one or two that were definitely they wanted nothing to do with my case whatsoever, and they just wanted to get rid of it.
00:14:20.799 --> 00:14:25.840
Did you use any of the kill debt mechanisms like cheat sheets or like yes?
00:14:26.240 --> 00:14:33.440
I'm trying to emphasize now in my videos something I hadn't done before, which is you can actually have a discussion with Parker GPT.
00:14:33.519 --> 00:14:33.759
Yes.
00:14:34.080 --> 00:14:36.000
Hey, I'm thinking of doing this, I'm thinking of doing that.
00:14:36.080 --> 00:14:37.200
Did you do any of that?
00:14:37.519 --> 00:14:38.480
I definitely did.
00:14:38.559 --> 00:14:47.200
And and and signing up uh with KillDebt when I did, thankfully, you know, you would come out with Parker GPT like uh a month or two later.
00:14:47.279 --> 00:14:50.799
So I had that at my disposal for almost this entire process.
00:14:51.039 --> 00:15:01.679
And I saw it evolve, and it just got better and better every time I needed to file a motion or you know, feeded information as to what happened at oral arguments.
00:15:02.080 --> 00:15:05.200
I put everything I do, we transcribe it into the brain.
00:15:05.279 --> 00:15:07.200
So you're right, it gets better and better.
00:15:07.360 --> 00:15:07.679
Yeah.
00:15:07.840 --> 00:15:13.600
Um, and I'm gonna put as much of it this I can as I can, if you don't mind, your filing of your pleadings.
00:15:13.919 --> 00:15:14.960
Yep, of course.
00:15:15.200 --> 00:15:18.480
Uh there was I'm gonna touch on a couple of things here.
00:15:18.720 --> 00:15:24.879
The judge made them amend their lawsuit in one of your cases, not both, correct?
00:15:25.039 --> 00:15:25.360
Correct.
00:15:25.440 --> 00:15:29.200
Yeah, and you one was SOFI and one was Webbank.
00:15:29.600 --> 00:15:30.240
Yes.
00:15:30.559 --> 00:15:46.480
Now, in those cases, for Web Bank, for example, I don't know if you saw this, but for people listening, you should jump for joy if it's a web bank because they'll say the original creditor is this, yeah, it's really this, and there's no indication of what they're saying is true.
00:15:46.639 --> 00:15:50.559
Yeah, you can use that chain of title or bill of sale.
00:15:50.720 --> 00:16:10.080
I tried a case, exact fact set, exact paperwork, and the judge himself was finding assignments that they forgot to because web bank against it was oh no, it was a so-fi court, so fi bank, so fi uh XYZ.
00:16:10.480 --> 00:16:17.840
They just and every time the judge tried to get them, he gave them a break to just come in with the right stuff, it would create more assignments.
00:16:18.000 --> 00:16:20.080
And I tried to say that to people.
00:16:20.320 --> 00:16:26.320
Don't be worried about a lot of paperwork because the more they use, they're just covering up a lie.
00:16:26.399 --> 00:16:28.159
So the lie just gets worse.
00:16:28.480 --> 00:16:29.600
Did you find that?
00:16:29.919 --> 00:16:31.039
Oh, absolutely.
00:16:31.120 --> 00:16:38.720
Um, that web bank case, I almost paid no attention to it whatsoever because I laughed when I read through the entire complaint.
00:16:38.799 --> 00:17:03.840
It it was so they were claiming um Webbank was the original creditor, which it was according to the paperwork that they had sent, but it was through Prosper Marketplace, and Prosper Marketplace, yeah, it had no bearing anywhere in the lawsuit, but they um you know magically transferred it to you know another credit union, and then there was another entity involved that none of it made sense.
00:17:04.000 --> 00:17:04.319
Yeah.
00:17:04.559 --> 00:17:05.519
And I called Mel.
00:17:06.079 --> 00:17:10.799
If you don't show up, because if that goes, no one can put up, okay, default.
00:17:10.960 --> 00:17:14.319
And all you gotta do is use their documents against them.
00:17:14.559 --> 00:17:15.200
Yes.
00:17:15.440 --> 00:17:20.079
I don't want to get too into weeds, but you now got to the point where you sell the case.
00:17:20.160 --> 00:17:22.240
Did you sign any releases or anything?
00:17:22.960 --> 00:17:32.400
Uh the only thing was uh they uh so we we had a mutual stipulation, and this was on the uh the first case for SoFi.
00:17:33.039 --> 00:17:37.440
And you know, he had kind of hinted that they were ready to settle and now would be a good time.
00:17:37.599 --> 00:17:46.880
So I reached out to them and you know, they wanted they wanted to group both cases together and were basically asking for almost$20,000.
00:17:47.119 --> 00:17:50.720
And I said, no, I'm not gonna touch that second case whatsoever.
00:17:50.880 --> 00:17:52.079
I'm not settling that one.
00:17:52.160 --> 00:17:53.680
I'm talking about just the one.
00:17:53.920 --> 00:17:56.079
Let's let's talk settlement on that.
00:17:56.400 --> 00:18:05.039
And they were looking for, they said they would settle for basically a little over half, which would have been$12,000 around.
00:18:05.359 --> 00:18:07.359
And I said, nope.
00:18:07.519 --> 00:18:16.480
I said the you know, you have a little bit more information on this one that's still garbage, but you know, I would be comfortable at$8,000.
00:18:16.559 --> 00:18:18.240
So we settled it at$8,000.
00:18:18.640 --> 00:18:28.079
Separate from your your great American heritage and the stubbornness of your ancestors and you, good on you.
00:18:28.480 --> 00:18:36.640
What else made you confident that you could talk like that and give people some insight into why you had that competence?
00:18:37.039 --> 00:18:55.039
So the the uh the last hearing that we had, I had an open motion to compel against them on that case, and they had filed no opposition, they didn't oppose it in court at the hearing, and basically we're just kind of kicking it down the road, and I knew that they weren't gonna do any more work on that case.
00:18:55.200 --> 00:18:55.920
They were done.
00:18:56.079 --> 00:18:59.359
Whatever they had is what they had, and they wanted to take that to trial.
00:18:59.599 --> 00:19:03.200
And so the judge never got to rule on my motion to compel.
00:19:03.359 --> 00:19:18.880
And I feel like he would have probably allowed it, and I probably could have settled for even less or nothing, but at that point I figured if I can eliminate one case and settle the other, I think I'll be happy.
00:19:19.200 --> 00:19:20.880
There's another thing I want to touch upon.
00:19:20.960 --> 00:19:24.240
I I you said that at one point you had four judges.
00:19:24.400 --> 00:19:24.720
Yeah.
00:19:24.960 --> 00:19:28.559
Was there work that you found you had to do?
00:19:28.640 --> 00:19:30.960
And this is a lawyer thing too, yeah.
00:19:31.200 --> 00:19:38.079
Where you've got to now warm him up to your side and educate he or she for the first time of this new how did that go?
00:19:38.480 --> 00:19:54.400
Yeah, and and basically, you know, I I don't want to say the judges, you know, miss misunderstood a lot of it, but they but they did, and he was confused and thought I was, you know, had defaulted on a mortgage or multiple mortgages, and I said, no, these are personal loans.
00:19:54.559 --> 00:19:59.599
And he's like, Oh, well, I've never seen this type of action brought against something for a personal loan.
00:19:59.839 --> 00:20:02.400
So I kind of had to warm him up to that a little bit.
00:20:02.559 --> 00:20:10.720
And then he had asked me at one point for, okay, well, to make things easier, just submit proposed orders to the court so I know what you want me to do.
00:20:12.640 --> 00:20:15.119
And that was kind of like a wink wink situation.
00:20:15.279 --> 00:20:19.680
And and I started to do that, and that's that's what the he ended up following.
00:20:19.839 --> 00:20:22.799
So it was it was it was kind of uh, here's your little hint.
00:20:22.960 --> 00:20:24.720
Now do what I ask.
00:20:28.079 --> 00:20:31.200
I am a service technician for the jaws of life.
00:20:31.359 --> 00:20:36.240
So I go to all the fire departments and service and test their jaws of life.
00:20:37.359 --> 00:20:37.759
Yeah.
00:20:38.160 --> 00:20:40.079
You have an engineering background?
00:20:40.400 --> 00:20:40.799
I do.
00:20:40.960 --> 00:20:43.680
I have electrical engineering and mechanical engineering.
00:20:43.920 --> 00:20:45.920
Um got a kid like that.
00:20:46.160 --> 00:20:53.440
Yeah, kind of a kind of a jack of all trades, master of none, and just found my little niche and I've been doing that for the last 15 years.
00:20:53.759 --> 00:20:55.920
When do you start law school?
00:20:57.119 --> 00:21:03.519
It's funny you say that because um my wife has been along for this whole journey and she kind of said the same thing.
00:21:03.599 --> 00:21:13.440
She's like, you need to help these people because I would see these people just like me in the courtroom every day, and they just had no clue what to do, not no idea how to respond.
00:21:13.519 --> 00:21:15.680
And I felt so bad for a lot of them.
00:21:16.160 --> 00:21:17.519
Um, I'm gonna plug it.
00:21:17.599 --> 00:21:20.640
You'd recommend kill debt for those people that need 100%.
00:21:21.519 --> 00:21:22.000
100%.
00:21:22.640 --> 00:21:23.519
This is great.
00:21:23.839 --> 00:21:30.240
So, from what I heard, there was no release that you signed where you have a confidentiality clause or anything like that.
00:21:30.480 --> 00:21:30.720
No.
00:21:30.880 --> 00:21:31.119
No.
00:21:31.279 --> 00:21:32.319
Wow, that's interesting.
00:21:32.400 --> 00:21:33.519
They didn't do that either.
00:21:34.079 --> 00:21:34.720
Here we are.
00:21:34.960 --> 00:21:36.000
Yep, here we are.
00:21:36.160 --> 00:21:41.920
Um, if it's okay with you, I'm gonna put some of your documents into Parker GPT.
00:21:42.079 --> 00:21:43.279
Is that all right?
00:21:43.519 --> 00:21:44.720
Yes, because they're great stuff.
00:21:44.880 --> 00:21:47.920
I've read over them, and I got better things to do, but it was fun.
00:21:49.119 --> 00:21:51.599
So I'm gonna kind of put you on the spot here.
00:21:51.759 --> 00:21:53.920
You don't have to answer this, it's not bad.
00:21:54.160 --> 00:22:00.640
But other five things that you say to people when they get that lawsuit that they should look at.
00:22:01.359 --> 00:22:14.319
Yeah, I mean, first things first, read the document, read the entire thing front to back multiple times, and make sure what they're saying is even true and or even remotely true.
00:22:14.480 --> 00:22:17.440
And if it's not, I mean, you know you've got holes.
00:22:17.519 --> 00:22:20.960
And then the second thing being write that answer.
00:22:21.200 --> 00:22:23.359
Write that good answer from the very beginning.
00:22:23.519 --> 00:22:30.960
Don't don't get caught up with the you know, admit, deny, admit, deny, um, you know, and that's so commonplace out there.
00:22:31.039 --> 00:22:32.880
You you have to write that good answer.
00:22:33.039 --> 00:22:35.119
And then from there, show up.
00:22:35.599 --> 00:22:38.160
Doesn't matter the outcome, just show up.
00:22:38.640 --> 00:22:38.960
Yeah.
00:22:39.119 --> 00:22:43.680
Um I talk to people a lot about if you don't show up, default.
00:22:43.839 --> 00:22:48.880
If he's got stuff going on or he's not ready, judge says, okay, you get another 30 days.
00:22:48.960 --> 00:22:50.480
And yeah, whatever.
00:22:50.640 --> 00:22:51.759
It's your other way.
00:22:51.839 --> 00:23:00.160
We're supposed to be anyway, but for the most part, you saw, and unless they're giving you a wink, uh a neutrality where you felt you had a chance in the court system.
00:23:00.400 --> 00:23:00.880
Yeah.
00:23:01.200 --> 00:23:01.440
Yeah.
00:23:01.599 --> 00:23:09.839
And and I mean, you know, early on it was kind of, oh, you know, here's another debtor who doesn't want to pay and he's just trying to get out of it.
00:23:10.000 --> 00:23:12.880
And I told the judge, I said, that's not the case at all.
00:23:13.039 --> 00:23:23.359
I said, I want to make sure that they actually own and I owe what they say, because if not, what's to stop someone else from coming out of the woodwork and doing the same thing?
00:23:23.599 --> 00:23:24.240
Yeah, yeah, yeah.
00:23:24.319 --> 00:23:25.119
It happens.
00:23:25.279 --> 00:23:25.599
Yep.
00:23:25.759 --> 00:23:26.720
Um, all right.
00:23:26.799 --> 00:23:28.319
This has been a great interview.
00:23:28.480 --> 00:23:29.519
I think I cut you up.
00:23:29.599 --> 00:23:33.519
Were there any other things you want to tell people to remember to do when they get one of these lawsuits?
00:23:33.599 --> 00:23:35.119
Or in your case, too?
00:23:36.160 --> 00:23:50.160
Uh don't don't be afraid to, you know, like you say, just kind of put them back on their heels and you know, overwhelm not overwhelm them to the point of where it's frivolous, but overwhelm them with paperwork.
00:23:50.319 --> 00:23:52.000
Give them work to do.
00:23:52.319 --> 00:23:58.079
And by doing that with that second case, they didn't even show up for the very last hearing.
00:23:58.400 --> 00:24:03.279
And the judge followed my my motion to dismiss and said, case dismissed, you're done.
00:24:03.759 --> 00:24:04.799
What a beautiful thing.
00:24:04.880 --> 00:24:05.759
I'm very glad for you.
00:24:06.000 --> 00:24:06.480
Good job.
00:24:07.119 --> 00:24:08.559
Thank you for joining us today.
00:24:09.039 --> 00:24:09.839
Thank you, Brian.
00:24:09.920 --> 00:24:11.359
I I appreciate all that you do.
00:24:12.720 --> 00:24:12.880
Hi.
00:00:13.839 --> 00:00:18.079
Hey, introduce yourself to our fans and members.
00:00:18.640 --> 00:00:19.839
What's your name?
00:00:20.399 --> 00:00:22.640
Scott Streeter from Massachusetts.
00:00:22.960 --> 00:00:33.039
And I wanted to interview you, actually, you asked me, uh, because of your great victory, but not just one victory, you had two victories against who?
00:00:33.840 --> 00:00:36.159
Good old LVNV funding.
00:00:36.719 --> 00:00:37.840
Our old friend.
00:00:38.159 --> 00:00:42.399
Uh you were served back in 2025 or 2026?
00:00:42.719 --> 00:00:48.159
Yeah, it was uh spring, uh May for one of them and July for the other of 2025.
00:00:48.479 --> 00:00:50.960
And did it come by mail, by a person?
00:00:51.119 --> 00:00:52.399
How what happened?
00:00:52.719 --> 00:01:03.200
So I was on vacation and I had got an alert on my doorbell camera that there was activity at the front door, and it was the sheriff dropping off that wonderful paperwork that we all know.
00:01:03.439 --> 00:01:06.560
And the second time I was actually home and he actually handed it to me.
00:01:06.799 --> 00:01:09.439
So one in the spring and one later?
00:01:09.840 --> 00:01:11.280
Yeah, about two months later.
00:01:11.599 --> 00:01:14.640
And what what were your feelings when you got these lawsuits?
00:01:14.959 --> 00:01:20.640
Um, not unexpected, because you know, I had been getting the resurgent text messages.
00:01:20.719 --> 00:01:34.480
I don't think I'd really gotten any any other, maybe a letter or two, and kind of did the old stick my head in the sand and hope it would just go away and maybe they wouldn't sue me, but I kind of knew deep down they were going to.
00:01:35.040 --> 00:01:37.359
And, you know, I read a great thing about you.
00:01:37.439 --> 00:01:39.359
You actually have a great history.
00:01:39.599 --> 00:01:41.599
Tell us quickly your history.
00:01:42.159 --> 00:01:47.920
Yeah, um, so the the Streeter family line, um, we we immigrated to uh the U.S.
00:01:48.000 --> 00:01:50.480
back in 1601 from England.
00:01:50.879 --> 00:02:07.840
And I have had a direct ascendant in every major conflict and war in this country, going all the way back to Revolutionary War, uh, War of 1801, World War I, the Korean War, World War II, you name it, we've been there.
00:02:08.080 --> 00:02:16.319
And I feel like I draw on a lot of that with my resolve and stubbornness and willingness to just fight.
00:02:16.719 --> 00:02:22.080
And you're a great American with great American roots in what state?
00:02:22.400 --> 00:02:25.280
In good old Massachusetts, where it all started.
00:02:26.639 --> 00:02:27.759
We're the stronghold.
00:02:28.080 --> 00:02:31.439
Yeah, so you have to start answering the lawsuit.
00:02:32.080 --> 00:02:33.280
What did you do?
00:02:34.319 --> 00:02:36.800
I think I did what everyone does, and I panicked.
00:02:37.599 --> 00:02:40.159
And I knew I had to file something.
00:02:40.479 --> 00:02:52.960
So I filed an answer, you know, just your basic accept deny, or you know, the the garbage answer that nobody wants to really file, but I didn't know what else to do, but I knew I had to answer it.
00:02:53.280 --> 00:03:06.319
So I did that and then immediately started researching on the internet who's LVNV, and that's when I came across uh kill debt and signed up almost immediately.
00:03:06.800 --> 00:03:07.120
Okay.
00:03:07.439 --> 00:03:09.280
And there are two lawsuits.
00:03:09.439 --> 00:03:09.680
Yes.
00:03:10.000 --> 00:03:11.680
You bought them both at the same time?
00:03:11.840 --> 00:03:12.400
How did that work?
00:03:12.479 --> 00:03:13.759
Is it the same judge?
00:03:14.080 --> 00:03:16.159
Uh yeah, same same judge for both.
00:03:16.240 --> 00:03:25.840
And like I said, they were two months apart, but I think by the time I had gotten to the first hearing, the judge says, you know, just for ease, let's just combine them both.
00:03:26.000 --> 00:03:27.680
They'll be on the same dates that way.
00:03:27.759 --> 00:03:29.680
You only have to show up one time for both.
00:03:30.080 --> 00:03:30.400
Yep.
00:03:30.560 --> 00:03:32.800
First hearing, how did you prepare for that?
00:03:32.879 --> 00:03:34.639
And what was the first hearing?
00:03:34.960 --> 00:03:38.400
The first hearing was more or less do you dispute the debt?
00:03:38.560 --> 00:03:42.319
Is there any resolve, uh, any any you know resolution to it?
00:03:42.479 --> 00:03:45.919
Anything we can just kind of almost just get it out of court as quick as possible.
00:03:46.080 --> 00:03:48.159
And I told him, Nope, I'm here to fight.
00:03:48.319 --> 00:03:52.000
I I don't believe I owe this, and they're gonna have to prove it.
00:03:52.400 --> 00:03:53.919
He didn't know who he was up against.
00:03:54.479 --> 00:04:04.479
No, and that in that poor coverage attorney, he uh he couldn't even get out two words, and he said, Oh, we we we need another hearing, and we're we're gonna have to do some discovery and this and that.
00:04:04.560 --> 00:04:06.560
And he wanted out of there as soon as possible.
00:04:06.800 --> 00:04:09.280
Yeah, and that's I want people to take note of this.
00:04:09.439 --> 00:04:14.639
I plugged that coverage video I do, let me just put it up there, for a good reason.
00:04:14.879 --> 00:04:15.199
Yes.
00:04:15.599 --> 00:04:20.399
That lady or gentleman that's coming to cover thinks he's gonna have an easy day.
00:04:20.480 --> 00:04:25.759
It's gonna be no one showing up, not prepared, barely knows your name.
00:04:26.000 --> 00:04:26.240
Yeah.
00:04:26.480 --> 00:04:29.120
Um, and that's what happened to you, right?
00:04:29.360 --> 00:04:30.879
That's exactly what happened.
00:04:31.040 --> 00:04:32.720
You know, he had no clue.
00:04:32.959 --> 00:04:37.519
Yeah, he he was just hoping for that quick default and that I wouldn't be there.
00:04:37.680 --> 00:04:40.079
And just like like you say, 90%.
00:04:40.480 --> 00:04:45.279
Well, I think from my experience in that courtroom, it was probably 95% of people just didn't even show up.
00:04:45.680 --> 00:04:48.639
Had the answer, they're so much ahead of the game.
00:04:48.720 --> 00:04:53.360
Even if you work out a settlement, maybe you're not happy, you don't have to default judgment, right?
00:04:53.600 --> 00:04:54.240
Exactly.
00:04:54.480 --> 00:04:56.240
So exactly show up.
00:04:57.120 --> 00:05:03.759
Yeah, show show up and at least just, you know, if you're gonna lose, you're gonna lose, but at least show up.
00:05:04.079 --> 00:05:05.279
All right, fight.
00:05:05.759 --> 00:05:08.480
And you fought the good fight.
00:05:08.639 --> 00:05:14.079
What would you say was the main thing when you look at LVNV funding's paperwork?
00:05:14.399 --> 00:05:20.800
Either gave you confidence or gave you some insight where you go, hey, I might I maybe have to do something here.
00:05:21.360 --> 00:05:28.639
Yeah, and um, before I even saw uh the majority of your videos, I mean, I'm I'm very much an analytical type person.
00:05:28.720 --> 00:05:29.759
I'm very logical.
00:05:29.920 --> 00:05:38.399
I look at things step by step and looking through even the very first page of their complaint, they were claiming things that I knew weren't true from the get-go.
00:05:38.720 --> 00:05:40.480
I never had a promissory note.
00:05:40.639 --> 00:05:56.720
This happened to be with SoFi Bank, and later on, they had they attached a copy of the loan agreement, which specifically stated it was not a promissory note, and it was not a negotiable instrument, all things that they were claiming it was.
00:05:56.879 --> 00:06:02.319
And later on down the road, I actually got the judge to call them out on that, and they had no idea what to do.
00:06:02.639 --> 00:06:05.759
Describe for the viewers what that means.
00:06:05.839 --> 00:06:07.120
Uh, I read that in your notes.
00:06:07.199 --> 00:06:15.680
I thought it was very crafty of you their own documents against, and there's two things at play here, and I want people to understand this.
00:06:16.079 --> 00:06:30.079
Their stuff is garbage, they force out millions of these lawsuits, but yeah, back to what you said, knowing 90% of people aren't going to show up, so it doesn't matter what they say, so why put an effort into it?
00:06:30.240 --> 00:06:35.759
And what I want people to understand, my viewers and my members, this is an opening to you.
00:06:35.839 --> 00:06:36.879
They don't care.
00:06:37.120 --> 00:06:40.399
You just put a little care into it, and that's what you did.
00:06:40.480 --> 00:06:44.319
You read their paper, yeah, used it against them.
00:06:44.560 --> 00:06:54.480
And was there a time either in court or where you used it against them, but judge realized it, and you could see it on their face.
00:06:54.560 --> 00:07:02.639
I mean, tell describe how you reading that paperwork and the difference between a promissory note and what they professing it was or wasn't.
00:07:02.959 --> 00:07:05.519
Yeah, and and there was definitely a time in court.
00:07:05.680 --> 00:07:09.439
I think I had filed uh a motion for summary judgment.
00:07:09.680 --> 00:07:14.319
And, you know, it was probably too early on to do to do that.
00:07:14.560 --> 00:07:30.319
Even the opposing attorney was kind of like, this is more, this should have been a motion to dismiss, and the the judge kind of agreed, but he definitely was reading what I had written and called them out on that promissory note clause, you know, basically asked the opposing attorney, well, what's the difference?
00:07:30.560 --> 00:07:39.439
And the attorney kind of hemmed in Hawaiian said, Well, you know, there's different there's different elements to a promissory note where if we're holding the note, then there's no questions.
00:07:39.519 --> 00:07:42.560
He owes the debt, and there's you know, there's nothing he can really do.
00:07:42.720 --> 00:07:44.079
Yeah, but it's a loan agreement.
00:07:44.319 --> 00:07:45.920
And you probably picked up on that.
00:07:46.079 --> 00:07:52.639
When you put feet to their fire, their fallback or default position, well, he owes the debt rather than yes.
00:07:52.720 --> 00:07:56.000
Hey, the judge just said there's a difference between the way you're pleading.
00:07:56.240 --> 00:08:00.079
Yeah, I think I read somewhere the judge actually made them amend their complaint.
00:08:00.560 --> 00:08:01.199
He did.
00:08:01.360 --> 00:08:09.040
He did, because he he basically agreed with me and he said, Well, it's in black and white, and he highlighted it for both of us that this is not a promissory note.
00:08:09.120 --> 00:08:11.040
So you can't be suing them on that.
00:08:11.199 --> 00:08:16.160
And, you know, they backpedaled and he said, Oh, I know we're gonna amend that complaint.
00:08:16.399 --> 00:08:21.759
And basically the judge asked me if I was gonna allow that or oppose it, and I said, you know, go ahead.
00:08:21.920 --> 00:08:23.040
Let them amend it.
00:08:23.120 --> 00:08:24.240
They still have nothing.
00:08:24.800 --> 00:08:30.240
Important point here for everybody to listen here with Scott, but I can't emphasize this enough.
00:08:30.560 --> 00:08:38.080
I think the debt collector's greatest strength is in the first time you receive the lawsuit.
00:08:38.240 --> 00:08:38.480
Yes.
00:08:38.639 --> 00:08:44.320
As soon as you get beyond that, you start fighting, it becomes obvious that you're stronger.
00:08:44.480 --> 00:08:47.039
Five minutes of education, you're stronger than the other side.
00:08:47.200 --> 00:08:49.679
So it's a fear-based strength.
00:08:49.840 --> 00:09:02.720
And if you just get over, as I talked about, get rid of the emotion in these things, you are the perfect candidate to understand this because you are a logical brain, and that's not going to help you, and no emotion is going to help you, and you snow.
00:09:03.519 --> 00:09:05.519
And I again, everybody listen.
00:09:05.759 --> 00:09:10.879
The strongest backbone they have is your fear, you control that too.
00:09:11.039 --> 00:09:17.039
So once you jump in and answer the lawsuit, your options open up for you, and the fear.
00:09:17.200 --> 00:09:21.759
I mean, it's a difficult situation, but the fear won't be as strong as that first lawsuit that you received.
00:09:21.840 --> 00:09:22.240
Yes or no?
00:09:22.399 --> 00:09:23.200
You think that's true?
00:09:23.519 --> 00:09:23.919
100%.
00:09:24.399 --> 00:09:24.720
100%.
00:09:25.120 --> 00:09:37.200
And once you once you kind of settle your your your brain and your emotions down a little and you start looking at what the what's actually written on the paper, it almost just opens up and you just see all these defects.
00:09:37.360 --> 00:09:41.279
And you can exploit every which one individually or altogether.
00:09:41.440 --> 00:09:42.399
I did both.
00:09:42.639 --> 00:09:45.360
They they got to know me very well at the courthouse.
00:09:45.600 --> 00:09:48.799
Um, you know, every time I went into the clerk's office, she said, Oh, Mr.
00:09:48.879 --> 00:09:50.320
Streeter, you're back.
00:09:50.720 --> 00:09:57.360
And she admitted to me, she's like, We've never seen this level of work put in from any defendant pro se.
00:09:58.000 --> 00:10:03.440
And I'm not pushing this, but with kill that, it isn't necessarily hard work either to have a no.
00:10:03.679 --> 00:10:10.799
But and you talked about communication, they got to know me well, but a relationship requires a back and forth.
00:10:11.039 --> 00:10:17.279
I read from the notes that they were ignoring strong discovery requests that you made.
00:10:17.360 --> 00:10:19.279
And I hear this time and time again.
00:10:19.519 --> 00:10:24.960
I think if you come on strong at the beginning, it wears that guy out immediately.
00:10:25.039 --> 00:10:26.559
He's got thousands of cases.
00:10:26.720 --> 00:10:27.039
Yep.
00:10:27.519 --> 00:10:31.279
Banking on the 90% theory to get through his day.
00:10:31.440 --> 00:10:31.759
Yep.
00:10:31.919 --> 00:10:36.000
And I think in your case, they ignored a lot of your stuff to their own detriment, correct?
00:10:36.320 --> 00:10:36.960
They did.
00:10:37.120 --> 00:10:37.519
They did.
00:10:37.679 --> 00:10:46.399
And after that first um, first hearing with the coverage attorney, every other hearing was with their actual defense attorney for that law office.
00:10:46.480 --> 00:10:49.279
So they knew they had to put him up against me right away.
00:10:50.559 --> 00:10:58.480
And, you know, we went back and forth, me and him, and you know, he was he was a great guy, and I not that I befriended him, but I understood his job.
00:10:58.639 --> 00:11:06.080
He understood where I was coming from, and we'd do battle in the courtroom, and then we'd go and shake hands and you know, have a chit-chat afterwards.
00:11:06.159 --> 00:11:08.159
It wasn't anything personal.
00:11:08.559 --> 00:11:09.600
I liked this.
00:11:09.759 --> 00:11:14.399
That's a that says a lot about that person too, and he's affecting you.
00:11:14.799 --> 00:11:21.919
But during this situation, while you went through this process, were they talking settlement at any point?
00:11:22.320 --> 00:11:22.639
No.
00:11:22.799 --> 00:11:36.000
Um, I I I don't think they mentioned settlement until probably six months went by, and I had filed a handful of motions, and he was kind of getting tired of seeing me and said, you know, you can always try and settle.
00:11:36.159 --> 00:11:44.639
And I said, Well, you know, I'm I'm open to anything reasonable, but you know, I I don't I don't see a point to settling at this point.
00:11:44.799 --> 00:11:50.320
I and you got stronger, and I see this every day with members that I talk to.
00:11:50.480 --> 00:11:56.879
That I I don't want anybody to latch onto this, and but there comes a point where you go, I'm not settling.
00:11:56.960 --> 00:11:59.679
I'm even I'm gonna this is gonna go away.
00:11:59.840 --> 00:12:03.919
I'm not gonna pay blah blah blah, which is you gotta be a little bit more pragmatic about that.
00:12:04.080 --> 00:12:04.799
Yeah, yeah.
00:12:05.039 --> 00:12:09.200
Um, did you get to a point where you say they're starting to talk settlement?
00:12:09.279 --> 00:12:11.039
And it's like dating.
00:12:11.200 --> 00:12:14.240
They've got to make the first move for you to be the strongest.
00:12:14.480 --> 00:12:28.720
Yes, yes, and that happened, that happened probably um, I wanna say back in either May or June of this year of 2026, and I had filed uh my motion to compel.
00:12:29.200 --> 00:12:34.879
And I used their playbook and I filed it in open court, just like they file all their opposition.
00:12:35.200 --> 00:12:44.399
And of course, the coverage attorney was there, and he said, Well, we we're gonna have to read through this and we're gonna have to, you know, you know, we need to look it over before we can respond.
00:12:44.559 --> 00:12:50.879
And then when we walked out of the courtroom, he came up to me and said, Now is a great time to try and settle.
00:12:51.759 --> 00:12:54.399
Was it the same coverage guy, or they'd send a new one?
00:12:54.639 --> 00:12:56.639
It was the same one as the first hearing.
00:12:56.720 --> 00:12:57.519
So Okay.
00:12:57.840 --> 00:12:58.080
Yeah.
00:12:58.320 --> 00:13:00.080
And he got a little bit more authority.
00:13:00.399 --> 00:13:01.600
He did, he did.
00:13:01.840 --> 00:13:04.159
And uh 2026, you said?
00:13:04.399 --> 00:13:05.120
Yeah, yeah.
00:13:05.360 --> 00:13:05.600
Okay.
00:13:05.840 --> 00:13:11.759
And so if I recall, and this is a good lesson, you had filed requests for discovery.
00:13:11.840 --> 00:13:15.519
I think a request to admit that they had default, they did not respond to.
00:13:15.840 --> 00:13:29.919
They didn't respond to any of my requests that I had made in 2025 until I think actually it was probably June of 2026, and then they just dumped a whole pile of discovery, which wasn't even all of it.
00:13:30.080 --> 00:13:34.159
It was only the the you know, the things they really had to respond to.
00:13:34.559 --> 00:13:37.440
And what is the rule in Massachusetts?
00:13:37.600 --> 00:13:45.279
Not to get too inside baseball here, but when you follow a request to admit and they miss the deadline, even 28 or 30 days, yeah.
00:13:45.519 --> 00:13:50.080
What's the rule then as far as their response, if they're allowed to respond or is it too late?
00:13:50.159 --> 00:13:51.039
What's the rule then?
00:13:51.440 --> 00:13:58.879
Honestly, Brian, I believe it's up to the judge's discretion, and he just didn't care that they hadn't responded to any of it.
00:13:59.120 --> 00:13:59.600
All right.
00:13:59.919 --> 00:14:03.039
And scope though, from what I'm hearing, he was pretty good.
00:14:03.200 --> 00:14:05.440
He wasn't too far over on their side.
00:14:05.600 --> 00:14:06.960
There was a neutrality.
00:14:07.440 --> 00:14:12.399
Well, so in this course of the one year, I think I saw four different judges.
00:14:12.559 --> 00:14:20.399
And there was one or two that were reasonable, and one or two that were definitely they wanted nothing to do with my case whatsoever, and they just wanted to get rid of it.
00:14:20.799 --> 00:14:25.840
Did you use any of the kill debt mechanisms like cheat sheets or like yes?
00:14:26.240 --> 00:14:33.440
I'm trying to emphasize now in my videos something I hadn't done before, which is you can actually have a discussion with Parker GPT.
00:14:33.519 --> 00:14:33.759
Yes.
00:14:34.080 --> 00:14:36.000
Hey, I'm thinking of doing this, I'm thinking of doing that.
00:14:36.080 --> 00:14:37.200
Did you do any of that?
00:14:37.519 --> 00:14:38.480
I definitely did.
00:14:38.559 --> 00:14:47.200
And and and signing up uh with KillDebt when I did, thankfully, you know, you would come out with Parker GPT like uh a month or two later.
00:14:47.279 --> 00:14:50.799
So I had that at my disposal for almost this entire process.
00:14:51.039 --> 00:15:01.679
And I saw it evolve, and it just got better and better every time I needed to file a motion or you know, feeded information as to what happened at oral arguments.
00:15:02.080 --> 00:15:05.200
I put everything I do, we transcribe it into the brain.
00:15:05.279 --> 00:15:07.200
So you're right, it gets better and better.
00:15:07.360 --> 00:15:07.679
Yeah.
00:15:07.840 --> 00:15:13.600
Um, and I'm gonna put as much of it this I can as I can, if you don't mind, your filing of your pleadings.
00:15:13.919 --> 00:15:14.960
Yep, of course.
00:15:15.200 --> 00:15:18.480
Uh there was I'm gonna touch on a couple of things here.
00:15:18.720 --> 00:15:24.879
The judge made them amend their lawsuit in one of your cases, not both, correct?
00:15:25.039 --> 00:15:25.360
Correct.
00:15:25.440 --> 00:15:29.200
Yeah, and you one was SOFI and one was Webbank.
00:15:29.600 --> 00:15:30.240
Yes.
00:15:30.559 --> 00:15:46.480
Now, in those cases, for Web Bank, for example, I don't know if you saw this, but for people listening, you should jump for joy if it's a web bank because they'll say the original creditor is this, yeah, it's really this, and there's no indication of what they're saying is true.
00:15:46.639 --> 00:15:50.559
Yeah, you can use that chain of title or bill of sale.
00:15:50.720 --> 00:16:10.080
I tried a case, exact fact set, exact paperwork, and the judge himself was finding assignments that they forgot to because web bank against it was oh no, it was a so-fi court, so fi bank, so fi uh XYZ.
00:16:10.480 --> 00:16:17.840
They just and every time the judge tried to get them, he gave them a break to just come in with the right stuff, it would create more assignments.
00:16:18.000 --> 00:16:20.080
And I tried to say that to people.
00:16:20.320 --> 00:16:26.320
Don't be worried about a lot of paperwork because the more they use, they're just covering up a lie.
00:16:26.399 --> 00:16:28.159
So the lie just gets worse.
00:16:28.480 --> 00:16:29.600
Did you find that?
00:16:29.919 --> 00:16:31.039
Oh, absolutely.
00:16:31.120 --> 00:16:38.720
Um, that web bank case, I almost paid no attention to it whatsoever because I laughed when I read through the entire complaint.
00:16:38.799 --> 00:17:03.840
It it was so they were claiming um Webbank was the original creditor, which it was according to the paperwork that they had sent, but it was through Prosper Marketplace, and Prosper Marketplace, yeah, it had no bearing anywhere in the lawsuit, but they um you know magically transferred it to you know another credit union, and then there was another entity involved that none of it made sense.
00:17:04.000 --> 00:17:04.319
Yeah.
00:17:04.559 --> 00:17:05.519
And I called Mel.
00:17:06.079 --> 00:17:10.799
If you don't show up, because if that goes, no one can put up, okay, default.
00:17:10.960 --> 00:17:14.319
And all you gotta do is use their documents against them.
00:17:14.559 --> 00:17:15.200
Yes.
00:17:15.440 --> 00:17:20.079
I don't want to get too into weeds, but you now got to the point where you sell the case.
00:17:20.160 --> 00:17:22.240
Did you sign any releases or anything?
00:17:22.960 --> 00:17:32.400
Uh the only thing was uh they uh so we we had a mutual stipulation, and this was on the uh the first case for SoFi.
00:17:33.039 --> 00:17:37.440
And you know, he had kind of hinted that they were ready to settle and now would be a good time.
00:17:37.599 --> 00:17:46.880
So I reached out to them and you know, they wanted they wanted to group both cases together and were basically asking for almost$20,000.
00:17:47.119 --> 00:17:50.720
And I said, no, I'm not gonna touch that second case whatsoever.
00:17:50.880 --> 00:17:52.079
I'm not settling that one.
00:17:52.160 --> 00:17:53.680
I'm talking about just the one.
00:17:53.920 --> 00:17:56.079
Let's let's talk settlement on that.
00:17:56.400 --> 00:18:05.039
And they were looking for, they said they would settle for basically a little over half, which would have been$12,000 around.
00:18:05.359 --> 00:18:07.359
And I said, nope.
00:18:07.519 --> 00:18:16.480
I said the you know, you have a little bit more information on this one that's still garbage, but you know, I would be comfortable at$8,000.
00:18:16.559 --> 00:18:18.240
So we settled it at$8,000.
00:18:18.640 --> 00:18:28.079
Separate from your your great American heritage and the stubbornness of your ancestors and you, good on you.
00:18:28.480 --> 00:18:36.640
What else made you confident that you could talk like that and give people some insight into why you had that competence?
00:18:37.039 --> 00:18:55.039
So the the uh the last hearing that we had, I had an open motion to compel against them on that case, and they had filed no opposition, they didn't oppose it in court at the hearing, and basically we're just kind of kicking it down the road, and I knew that they weren't gonna do any more work on that case.
00:18:55.200 --> 00:18:55.920
They were done.
00:18:56.079 --> 00:18:59.359
Whatever they had is what they had, and they wanted to take that to trial.
00:18:59.599 --> 00:19:03.200
And so the judge never got to rule on my motion to compel.
00:19:03.359 --> 00:19:18.880
And I feel like he would have probably allowed it, and I probably could have settled for even less or nothing, but at that point I figured if I can eliminate one case and settle the other, I think I'll be happy.
00:19:19.200 --> 00:19:20.880
There's another thing I want to touch upon.
00:19:20.960 --> 00:19:24.240
I I you said that at one point you had four judges.
00:19:24.400 --> 00:19:24.720
Yeah.
00:19:24.960 --> 00:19:28.559
Was there work that you found you had to do?
00:19:28.640 --> 00:19:30.960
And this is a lawyer thing too, yeah.
00:19:31.200 --> 00:19:38.079
Where you've got to now warm him up to your side and educate he or she for the first time of this new how did that go?
00:19:38.480 --> 00:19:54.400
Yeah, and and basically, you know, I I don't want to say the judges, you know, miss misunderstood a lot of it, but they but they did, and he was confused and thought I was, you know, had defaulted on a mortgage or multiple mortgages, and I said, no, these are personal loans.
00:19:54.559 --> 00:19:59.599
And he's like, Oh, well, I've never seen this type of action brought against something for a personal loan.
00:19:59.839 --> 00:20:02.400
So I kind of had to warm him up to that a little bit.
00:20:02.559 --> 00:20:10.720
And then he had asked me at one point for, okay, well, to make things easier, just submit proposed orders to the court so I know what you want me to do.
00:20:12.640 --> 00:20:15.119
And that was kind of like a wink wink situation.
00:20:15.279 --> 00:20:19.680
And and I started to do that, and that's that's what the he ended up following.
00:20:19.839 --> 00:20:22.799
So it was it was it was kind of uh, here's your little hint.
00:20:22.960 --> 00:20:24.720
Now do what I ask.
00:20:28.079 --> 00:20:31.200
I am a service technician for the jaws of life.
00:20:31.359 --> 00:20:36.240
So I go to all the fire departments and service and test their jaws of life.
00:20:37.359 --> 00:20:37.759
Yeah.
00:20:38.160 --> 00:20:40.079
You have an engineering background?
00:20:40.400 --> 00:20:40.799
I do.
00:20:40.960 --> 00:20:43.680
I have electrical engineering and mechanical engineering.
00:20:43.920 --> 00:20:45.920
Um got a kid like that.
00:20:46.160 --> 00:20:53.440
Yeah, kind of a kind of a jack of all trades, master of none, and just found my little niche and I've been doing that for the last 15 years.
00:20:53.759 --> 00:20:55.920
When do you start law school?
00:20:57.119 --> 00:21:03.519
It's funny you say that because um my wife has been along for this whole journey and she kind of said the same thing.
00:21:03.599 --> 00:21:13.440
She's like, you need to help these people because I would see these people just like me in the courtroom every day, and they just had no clue what to do, not no idea how to respond.
00:21:13.519 --> 00:21:15.680
And I felt so bad for a lot of them.
00:21:16.160 --> 00:21:17.519
Um, I'm gonna plug it.
00:21:17.599 --> 00:21:20.640
You'd recommend kill debt for those people that need 100%.
00:21:21.519 --> 00:21:22.000
100%.
00:21:22.640 --> 00:21:23.519
This is great.
00:21:23.839 --> 00:21:30.240
So, from what I heard, there was no release that you signed where you have a confidentiality clause or anything like that.
00:21:30.480 --> 00:21:30.720
No.
00:21:30.880 --> 00:21:31.119
No.
00:21:31.279 --> 00:21:32.319
Wow, that's interesting.
00:21:32.400 --> 00:21:33.519
They didn't do that either.
00:21:34.079 --> 00:21:34.720
Here we are.
00:21:34.960 --> 00:21:36.000
Yep, here we are.
00:21:36.160 --> 00:21:41.920
Um, if it's okay with you, I'm gonna put some of your documents into Parker GPT.
00:21:42.079 --> 00:21:43.279
Is that all right?
00:21:43.519 --> 00:21:44.720
Yes, because they're great stuff.
00:21:44.880 --> 00:21:47.920
I've read over them, and I got better things to do, but it was fun.
00:21:49.119 --> 00:21:51.599
So I'm gonna kind of put you on the spot here.
00:21:51.759 --> 00:21:53.920
You don't have to answer this, it's not bad.
00:21:54.160 --> 00:22:00.640
But other five things that you say to people when they get that lawsuit that they should look at.
00:22:01.359 --> 00:22:14.319
Yeah, I mean, first things first, read the document, read the entire thing front to back multiple times, and make sure what they're saying is even true and or even remotely true.
00:22:14.480 --> 00:22:17.440
And if it's not, I mean, you know you've got holes.
00:22:17.519 --> 00:22:20.960
And then the second thing being write that answer.
00:22:21.200 --> 00:22:23.359
Write that good answer from the very beginning.
00:22:23.519 --> 00:22:30.960
Don't don't get caught up with the you know, admit, deny, admit, deny, um, you know, and that's so commonplace out there.
00:22:31.039 --> 00:22:32.880
You you have to write that good answer.
00:22:33.039 --> 00:22:35.119
And then from there, show up.
00:22:35.599 --> 00:22:38.160
Doesn't matter the outcome, just show up.
00:22:38.640 --> 00:22:38.960
Yeah.
00:22:39.119 --> 00:22:43.680
Um I talk to people a lot about if you don't show up, default.
00:22:43.839 --> 00:22:48.880
If he's got stuff going on or he's not ready, judge says, okay, you get another 30 days.
00:22:48.960 --> 00:22:50.480
And yeah, whatever.
00:22:50.640 --> 00:22:51.759
It's your other way.
00:22:51.839 --> 00:23:00.160
We're supposed to be anyway, but for the most part, you saw, and unless they're giving you a wink, uh a neutrality where you felt you had a chance in the court system.
00:23:00.400 --> 00:23:00.880
Yeah.
00:23:01.200 --> 00:23:01.440
Yeah.
00:23:01.599 --> 00:23:09.839
And and I mean, you know, early on it was kind of, oh, you know, here's another debtor who doesn't want to pay and he's just trying to get out of it.
00:23:10.000 --> 00:23:12.880
And I told the judge, I said, that's not the case at all.
00:23:13.039 --> 00:23:23.359
I said, I want to make sure that they actually own and I owe what they say, because if not, what's to stop someone else from coming out of the woodwork and doing the same thing?
00:23:23.599 --> 00:23:24.240
Yeah, yeah, yeah.
00:23:24.319 --> 00:23:25.119
It happens.
00:23:25.279 --> 00:23:25.599
Yep.
00:23:25.759 --> 00:23:26.720
Um, all right.
00:23:26.799 --> 00:23:28.319
This has been a great interview.
00:23:28.480 --> 00:23:29.519
I think I cut you up.
00:23:29.599 --> 00:23:33.519
Were there any other things you want to tell people to remember to do when they get one of these lawsuits?
00:23:33.599 --> 00:23:35.119
Or in your case, too?
00:23:36.160 --> 00:23:50.160
Uh don't don't be afraid to, you know, like you say, just kind of put them back on their heels and you know, overwhelm not overwhelm them to the point of where it's frivolous, but overwhelm them with paperwork.
00:23:50.319 --> 00:23:52.000
Give them work to do.
00:23:52.319 --> 00:23:58.079
And by doing that with that second case, they didn't even show up for the very last hearing.
00:23:58.400 --> 00:24:03.279
And the judge followed my my motion to dismiss and said, case dismissed, you're done.
00:24:03.759 --> 00:24:04.799
What a beautiful thing.
00:24:04.880 --> 00:24:05.759
I'm very glad for you.
00:24:06.000 --> 00:24:06.480
Good job.
00:24:07.119 --> 00:24:08.559
Thank you for joining us today.
00:24:09.039 --> 00:24:09.839
Thank you, Brian.
00:24:09.920 --> 00:24:11.359
I I appreciate all that you do.
00:24:12.720 --> 00:24:12.880
Hi.
