Have You Been Victimized by

The National  Arbitration  Forum   (NAF) in   Garnishments  and  other 
Monetary  Awards   (judgments)?

Mickey is a sacrificial giver of years of study and experience. I have the utmost respect for his work in effectively helping me personally in successfully having several debt related complaints against me dismissed. Listen closely, study and do your part and get that leg up you might be looking for. Sincerely, Alan Pomper Yonkers, NY

Scandal Opens Door of Defrauded Consumers: An investigation by the Minnesota Attorney General’s office revealed corrupt practices by the NAF in its handling of “credit card” cases against consumers, opening the door to consumers who have judgments against them by NAF. Credit card and banking industry expert Mickey Paoletta was involved in the providing evidence for the investigation which exposed the scandal.

Stunning Results Disfavor Consumers: In one investigation alone covering 19,000 cases in California, it was shown that NAF favored the “credit card” companies over the consumer over 94% of the time.

Biased Decision-Makers: Since the Credit card companies choose who will do the arbitration, they are unlikely to choose arbitrators who will decide against them. That is exactly what investigations into NAF revealed. Arbitrators have strong financial incentive to rule in favor of the “credit card” companies. Commonly, arbitrators make from $400- an hour and up and often make $10,000- a day in arbitration

My experience with the Legal Study Club has been nothing short of enlightening, educational and somewhat shocking. I have experienced what most Americans experience from various Credit Collection Agencies, which is harassment, violation of my rights, and outright lies. The Legal Study Club has educated me and given me insights to the real remedy to these organizations, and that is, what has always been there for most Americans....THE LAW.   Knowing the remedy in THE LAW has taken the fear factor away that was instilled by Credit Collection agencies. I have discovered that they operate and use 90% fear, bluff and intimidation tactics in their day to day business. I am very thankful for the insight and knowledge I have gained from the Legal Study Club. I have noticed something else that has impressed me as well about The Legal Study Club and its teachers, and that is its principles are legal, moral and ethical. The instructors at the Legal Study Club pain-stakenly follow and teach in the RULE OF LAW. I have realized that in the commerical world, I do not have to do what someone tells me to do, I only have to do what THE LAW tells me to do.   Thank you so very much Legal Study Club for all your help and inspiration in teaching me the TRUTH.       R. Privett Longview, Texas

Bias in Favor of Financial Companies: One NAF arbitrator, a Harvard Law Professor, was “blackballed’ by the finance companies from all future cases when she awarded a $48,000- judgment to the consumer. She resigned citing as her reason… “apparent systematic bias in favor of the financial services industry.”

Shrouded in Secrecy: NAF is so concerned about hiding its work from the public that, unless specifically requested ahead of time, no written judgment will be issued. In one case, it charged $1500- for a simply three page copy of the decision, making sheer cost a means of deterrence of inquiry

Due Process Violations: NAF chose to hide information consumers could have gotten in a court of law but were disallowed from such insights and information.

I met Mickey approx 2-1/2 years ago and he changed my life forever in such a positive way!  I had a law firm trying to sue me for a credit card debt in the wrong county and wrong courthouse!  I filed an FDCPA lawsuit against them and basically they came BEGGING me to settle! They dropped their civil suit, cleaned up my credit report, and no 1099!!! Mickey's process works and I'm a testimony to that! God Bless you, Mickey!!!!      Beth Gustafson

 

Choice Made for Consumers: in all of 34,000 cases studies, only 118 people CHOSE the arbitration process which decided their case. That meant over 99% were unduly coerced / deceived into the arbitration process without a knowledge of their rights or due process

One NAF arbitrator appeared to make his decisions based SOLELY upon the information supplied by the financial institutions. It is known that he often signed dozens of judgments in a single day “arbitrating” the cases in favor of the financial institutions! Overall, his decisions were made 97% of the time in favor of the financial corporations

The multi-billion dollar debt collection industry has violated laws that has resulted in the financial ruin of countless Americans who have been victimized due to their lack of knowledge of money, credit and law.