Think you have no chance against a debt collector in court? Think again. In this episode, Hannah sits down with consumer protection attorney John Skiba to walk through exactly how you can win—or settle—a debt collection lawsuit. Learn the most critical first steps, how to identify your best strategy, and what not to do when facing a lawsuit. In This Episode, You'll Learn:

• Why filing an Answer is the #1 way to protect yourself
• The difference between original creditors and debt buyers
• How to request debt validation to force proof of the debt
• Why settlement is often the best-case scenario—and how to do it right
• How federal protections (like Social Security) can give you leverage
• The legal risks of transferring assets during a lawsuit

"95% of people lose because they don't respond at all." – John Skiba, Consumer Attorney Real-World Example