How To Represent Yourself In Court To Fight Banks

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asked on Jun 15, 2010 at 05:39
I just bought this book. It was only RM15 and I got it online from Don't need any credit card to pay online as you can pay by maybank2u or other online banking.

Its a great book and is very very useful. Any people here who need info on how to deal with banks must read this book asap.

If any one needs to borrow my copy because of real financial hardship and can't afford to buy it for RM15, please post a message here.

Hope this helps you.
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answered on Jun 15, 2010 at 06:07
Contents of this book:

1. Preface
2. Get your priorities right
3. Should you contest a bank summons
4. Should you use lawyers or represent yourself
5. Do your homework
6. Know your enemy
7. Early preparations
8. Negotiating with the banks
9. Sample negotiation letter
10. Blacklisted
11. Help! My account is frozen
12. What to do every night
13. Preparing yourself mentally and emotionally
14. Your first day in court
15. What if the bank lawyers did not turn up
16. Court filings
17. Notice of appearance
18. Holey cow
19. Preparing your defence
20. Sample defence
21. Affidavits
22. Sample affidavit
23. Buying time
24. Sample application for transfer
25. Example supporting affidavit
26. Hearings
27. Go fishing
28. Understanding summary judgement
29. Sample speech skeleton
30. Judgment day
31. What happens if you lose
32. Sample appeal notice
33. Staying alive
34. Surprise attack (serang hendap)
35. Your surprise attack speech
36. Trial
37. Guerrilla tactics
38. Sample guerrilla attack letter
39. What happens if you win
40. Sample court order
41. Calculating costs
42. At the appeals hearing
43. What the bank can do to you if they win
44. Bankruptcy proceedings
45. Bankruptcy roadmap
46. Banruptcy FAQ
47. Closing

Thanks so much to the author for this book. It answers all my questions and removes fears.
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answered on Jun 15, 2010 at 12:48
How did you come to know of this book?
Is it easy to understand for normal people like me?
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answered on Jun 15, 2010 at 15:39
Wah ! So many chapters!  Must be a really thick law book.
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answered on Jun 16, 2010 at 00:45
edited May 16, 2016 at 08:05

I bought this really useful book about a month ago, if you have any good "fight" reports, please share them here so we can learn more.

As for me, so far, I have managed to delay my judgement day from mid April to late July from my first summon, I hope to delay my summons from all 10+ banks till I die or till get a new passport issued by the Timbaktu Government, then all the banks get zero legal fees from me.
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answered on Jun 17, 2010 at 04:58
edited May 16, 2016 at 08:37
Hi and thanks for the replies.


I read about this book in a few of the threads here on At first I thought its just a con by some joker trying to make $ out of people like me who are in financial trouble. Then I thought..haiyo..its only 15 ringgit. I'm glad now I bought the book.

Yes, its very easy to understand..the writer uses simple language and clear examples so that even a bodoh like me can understand.


Yes, it has 47 chapters. Almost every chapter is just 1 page long though. The book itself has only 64 pages total and is actually a thin booklet. Short but complete. It doesn't read like a law book at even has some funny bits too.


Prior to reading this book, my strategy has been to run away and hide from the banks/debt collectors. And I did that for a few years till now my debts (cc) have become time-barred by the Limitation Act,1953. Since each of the cc debts was less than RM30,000, I wasn't made a bankrupt especially since I didn't own any assets like houses. It wouldn't have been worth it for the bank to bankrupt me once the debt snowballed with interest past the RM30k mark.

But now after reading this book, I feel like calling the banks and saying "Oi! Dowann your money issit? Come sue me lah..." hehehe.

I'll start contributing what help I can from now on to this forum. Hope I don't get flamed though. I can see now that many of the questions asked in these threads are already fully answered in William Chan's book. 

Actually it would be good if there is an ebook version of this book so that people can just download it from the web easily. Hope the author is thinking about this.

Meantime, this is the link to get the book online:

Hope this helps
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answered on Jun 17, 2010 at 12:44
27. Go fishing

Fishing metaphors in a law book?
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answered on Jun 18, 2010 at 06:05

Yes, but its not a law book. Its a guide written in simple English that shows the reader how to do what the title says.
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answered on Jun 18, 2010 at 22:12
edited May 16, 2016 at 08:04

Have you actually use any of the strategies in the book to fight your bank's lawyer in court so far? If yes, please share details, thanks!
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answered on Jun 19, 2010 at 10:35

Not in the 5 days that I've had the book.

The way I look at it now is, fight, don't fight, win or lose, chapter 10 still applies in the end. So what's the use? Since I still have my passport, maybe I should make a new start overseas. Can you please teach me how to apply for Timbaktu PR?
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answered on Jun 19, 2010 at 23:15
Hi Drew,

Can give the website of this online books.

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