Research regarding HBLC -- Five things you need to know if you are being sued

These are facts which I obtained from personal experience, as well as from internet research regarding other cases in which HBLC has sued.

1. Based upon feedback received from other consumers targetted by HBLC, they will not even bother to appear in court if they know you are properly represented by an attorney.  You will very likely have to pay to retain counsel... however, given the fact that many of HBLC's filings seem to be bordering upon fraud, there's an excellent chance that you could have a counterclaim against them under the Fair Debt Collection Practices Act. You will definitely want to speak with an attorney about all of your options.

2.  In at least some of the cases (and possibly in every single case), HBLC makes absolutely no effort to determine whether or not the debt they are purchasing is valid.

3.  There have been cases in which HBLC, Lawrence Spilg and Steven Fink have been sued in Federal court, for allegedly perpetrating fraud upon the state court.

4.  There have been cases in which HBLC, Lawrence Spilg and Steven Fink have been sued in Federal court, for allegedly suing on debts for which the statute of limitations has expired.

5.  HBLC files these cases on a regular basis, numbering in the hundreds (see http://www.cookcountyclerkofcourt.org/?section=CASEINFOPage&CASEINFOPage=2400 and do a lookup on HBLC.)

6.  In at least some of the cases (and possibly in every single case), HBLC has no actual knowledge of whether the debtor owes money or made any form of contract to pay it... rather, they have little more than a dollar amount and a generic, unendorsed credit agreement.