As the last of our credit woes just ended, it was long past time to comment on Mr. Bybee.
My wife and I first consulted him when we were sued for an old credit card debt and failed in our attempts to defend ourselves. After turning our defeat into victory, we used Floyd for many more lawsuits.
I can't say if our results were typical, but with Floyd's help I believe we paid debt buyers about 3% on close to 40K in lawsuits (and that's not including the cases where debt buyers paid us for violations.)
We learned that every case is different and debt buyers adapt. In each of our cases Floyd was two steps ahead and ran circles around the opposition. On the flip side, some cases can't be fought and Floyd was very honest about those instances.
Floyd saved us from financial ruin (self-inflicted, we know) and we can't recommend him highly enough. read more