Contracts 101: Debt Collection Edition

How Third-Party Debt Collectors Enforce Contracts They Don’t Own

Live Class

Price: $50

Instructor: Rebecca Symone

Consumer Law Advocate & Consultant

Enroll Now — Limited Seats

❌ If a Debt Collector Is Coming After You…

…there’s something they’re hoping you don’t understand:

They are not enforcing your original contract ,

they are enforcing what they claim they own.

And those are not the same thing under the law.

⚖️ What Most Consumers Are Never Told

• A balance is not a contract

• Assignment does not automatically equal ownership

• An affidavit is not proof of a valid agreement

• Standing must be proven, not assumed

• Third-party debt collectors were not parties to your original contract

This class breaks all of that down in plain English, with real-world application for people dealing with collections, lawsuits, and credit reporting issues.

📚 What You’ll Learn in Contracts 101

✔️ Module 1: What a Contract

Actually Is

• Offer, acceptance, and consideration (without legal jargon)

• Bilateral vs unilateral contracts

• Why this matters in debt collection cases

✔️ Module 2: Assignment vs Ownership

• What “assignment” legally means

• Why partial assignments fail

• Chain-of-title problems debt buyers rely on

• Why missing schedules matter

✔️ Module 3: Standing & Real Party in Interest

• What standing is (simply explained)

• Why courts dismiss cases for lack of standing

• Common mistakes debt collectors make

✔️ Module 4: Why Affidavits Are NOT Contracts

• The business records rule (consumer version)

• Robo-signed affidavits

• Hearsay explained so you can spot it instantly

✔️ Module 5: How Consumers Use This Knowledge

• Motions to dismiss

• Discovery strategies

• Court objections

• Using contract defects in disputes & enforcement

👀 This Class Is For You If:

✔️ You have collections on your credit report

✔️ You’re being sued (or threatened with a lawsuit)

✔️ You’re defending yourself pro se

✔️ You want to stop relying on fear and start relying on law

✔️ You want to understand contracts the way courts do not collectors

🚫 This is not a law school lecture

🚫 This is not generic “credit tips”

✔️ This is strategic consumer education

💡 Why This Class Is Different

Most debt education skips contract fundamentals and jumps straight to tactics.

This class teaches you why those tactics work.

“If you weren’t a party to the contract, you don’t automatically get enforcement”

🎥 Class Details

• Format: Live (with replay access)

• Access: Live access only

• Price: $50

• Level: Beginner-friendly / Court-ready

🔐 Important Disclaimer

This class is educational only and does not constitute legal advice.

No attorney-client relationship is created.

Ready to Learn What Debt Collectors Don’t Want You to Know?

Enroll now for $50

Seats are limited to keep the class interactive.