Plain-English, four-day defense packet for Ohio civil debt-buyer collection cases (credit cards, store cards, personal-loan accounts, and similar unsecured debt). This downloadable kit helps you:
Understand how debt-buyer lawsuits work in Ohio and what the Summons & Complaint mean.
File a timely Answer/Appearance so you are on the record instead of losing by default.
Send Day-2 requests for key documents (original contract, chain of assignment, itemized account history, and any affidavits they plan to use).
Use Day-3 assessment checklists to review what the debt-buyer sends back and follow up on missing or confusing items.
Use a simple Day-4 escalation structure (Motion to Compel Discovery / Enforce Disclosure framework) so you can ask the court to step in when proof is incomplete.
Consider an optional credit-reporting step to challenge the tradeline when the debt-buyer cannot provide proper documentation.
What you get
Fillable Word and ready-to-print PDF versions of every form, letter, and checklist (Day 1–4).
“How to Use This Packet” overview sheet.
Day-3 Assessment Worksheet with “Professional Red Flag” checklists.
Day-3 Deficiency / Follow-Up Letter template.
Day-4 Motion to Compel / Enforce Disclosure template with matching Proposed Order (state-specific).
Optional Credit-Report Dispute Letter and explanation sheet (educational only; you decide if and how to use it).
This download is educational only — no legal advice. You are responsible for deciding what to file or send and when to seek a licensed attorney.
Plain-English, four-day defense packet for Ohio civil debt-buyer collection cases (credit cards, store cards, personal-loan accounts, and similar unsecured debt). This downloadable kit helps you:
Understand how debt-buyer lawsuits work in Ohio and what the Summons & Complaint mean.
File a timely Answer/Appearance so you are on the record instead of losing by default.
Send Day-2 requests for key documents (original contract, chain of assignment, itemized account history, and any affidavits they plan to use).
Use Day-3 assessment checklists to review what the debt-buyer sends back and follow up on missing or confusing items.
Use a simple Day-4 escalation structure (Motion to Compel Discovery / Enforce Disclosure framework) so you can ask the court to step in when proof is incomplete.
Consider an optional credit-reporting step to challenge the tradeline when the debt-buyer cannot provide proper documentation.
What you get
Fillable Word and ready-to-print PDF versions of every form, letter, and checklist (Day 1–4).
“How to Use This Packet” overview sheet.
Day-3 Assessment Worksheet with “Professional Red Flag” checklists.
Day-3 Deficiency / Follow-Up Letter template.
Day-4 Motion to Compel / Enforce Disclosure template with matching Proposed Order (state-specific).
Optional Credit-Report Dispute Letter and explanation sheet (educational only; you decide if and how to use it).
This download is educational only — no legal advice. You are responsible for deciding what to file or send and when to seek a licensed attorney.