Credit Card Judgment in SC: Know Your Rights Now!

Understanding the complexities of debt collection within the legal framework requires careful attention, especially when facing a credit card judgement in South Carolina. This article will elucidate your rights and responsibilities. The South Carolina Rules of Civil Procedure significantly influence how creditors pursue judgments. Your defense options depend on a solid understanding of debtor's rights, including potential exemptions under South Carolina law. Consulting with a qualified consumer law attorney is crucial in navigating these legal challenges. Further, the impact of such judgments on your credit score can be substantial, potentially affecting future financial opportunities.

Image taken from the YouTube channel Solo – Resolve Your Debt , from the video titled What are the statutes of limitations on debt in South Carolina? .

Understanding Credit Card Judgments in South Carolina

Credit card debt has become an increasingly pervasive issue across the United States, and South Carolina is no exception. Many residents find themselves burdened by mounting balances, often struggling to keep up with minimum payments. When these debts go unpaid, creditors can pursue legal action, potentially leading to a credit card judgment – a legally binding court order that can have significant financial repercussions.

The Prevalence of Credit Card Debt in South Carolina

South Carolina's economic landscape, coupled with national trends in consumer spending, contributes to a high rate of credit card usage. The ease of access to credit, combined with unexpected financial hardships, can quickly lead to unsustainable debt levels.

Many South Carolinians rely on credit cards for everyday expenses, from groceries and gas to unexpected medical bills. This reliance, while sometimes necessary, can create a precarious financial situation.

The state's average credit card debt per capita reflects this challenge, highlighting the need for greater awareness and proactive financial management.

What is a Credit Card Judgment?

A credit card judgment is a court order obtained by a creditor against a debtor for unpaid credit card debt. It essentially transforms the debt from a contractual obligation into a legal obligation, granting the creditor additional powers to collect what is owed.

This judgment allows the creditor to pursue various collection methods, such as wage garnishment, where a portion of your paycheck is automatically deducted to satisfy the debt, and bank levies, which allow the creditor to seize funds directly from your bank account.

A credit card judgment can also significantly damage your credit score, making it difficult to obtain loans, rent an apartment, or even secure employment in the future. This negative impact can linger for years, creating long-term financial challenges.

Why Credit Card Judgments Are a Serious Problem

The consequences of a credit card judgment extend far beyond the immediate financial strain. They can trigger a cascade of negative effects, impacting your ability to maintain a stable financial footing.

Wage garnishment reduces your disposable income, making it harder to cover essential living expenses. Bank levies can wipe out your savings, leaving you vulnerable to unexpected costs.

The damage to your credit score can limit your access to future credit, making it difficult to purchase a home, finance a car, or even obtain affordable insurance. The stress and anxiety associated with a judgment can also take a toll on your mental and emotional well-being.

Knowing Your Rights is Paramount

When facing a debt collection lawsuit, understanding your rights is critical. Many individuals are unaware of the legal protections available to them, and creditors may exploit this lack of knowledge.

You have the right to be properly served with a summons and complaint, outlining the details of the lawsuit. You have the right to respond to the lawsuit with a timely answer, presenting your defenses and challenging the creditor's claims.

You also have the right to assert your rights under the Fair Debt Collection Practices Act (FDCPA), which protects you from abusive and harassing collection tactics. Knowing your rights empowers you to navigate the legal process effectively and protect your financial interests. Ignoring a lawsuit will not make it disappear. It will only guarantee that the creditor obtains a default judgment against you, making it even more difficult to resolve the debt.

From Debt to Lawsuit: The Legal Process Explained

The progression from accumulating credit card debt to facing a lawsuit is a process many South Carolinians unfortunately experience. Understanding the stages involved is crucial for proactive financial management and informed decision-making. It allows individuals to anticipate potential legal challenges and prepare accordingly.

The Slippery Slope: Debt Accumulation and Missed Payments

Credit card debt often begins subtly. The initial reliance on credit for purchases, whether for convenience or necessity, can gradually escalate. Unforeseen circumstances like job loss, medical emergencies, or unexpected expenses can further strain one's ability to repay.

Minimum payments may seem manageable at first. However, they primarily cover interest and a small portion of the principal. This leads to a slow reduction in the overall debt and can trap individuals in a cycle of repayment.

Missed payments trigger late fees and increased interest rates, further compounding the debt. This also negatively impacts your credit score, making future borrowing more expensive or even impossible.

The Debt Collection Gauntlet: Notices and Escalation

Once payments are missed, the debt collection process begins. Initially, creditors will send notices demanding payment. These notices may start as polite reminders.

However, they can quickly escalate into more aggressive demands. Collectors may contact you via phone, email, or mail, sometimes multiple times a day.

It's important to understand your rights under the Fair Debt Collection Practices Act (FDCPA) during this phase. The FDCPA protects consumers from abusive, unfair, and deceptive debt collection practices. Collectors cannot harass you, make false statements, or threaten legal action they don't intend to take.

If you fail to respond or make arrangements for payment, the creditor may escalate their collection efforts. This can involve hiring a debt collection agency, which will employ similar tactics to recover the debt.

Being Sued: The Summons and Complaint

If collection efforts prove unsuccessful, the creditor may file a lawsuit to obtain a credit card judgment. This is a significant turning point in the process.

The lawsuit begins when you are served with a summons and complaint. The summons is a legal document that notifies you that you are being sued. It also specifies the court where the lawsuit has been filed and the deadline for responding.

The complaint outlines the creditor's claims against you, including the amount of debt owed, the interest rate, and any fees or charges. It essentially details why the creditor believes you owe them money.

Receiving a summons and complaint should be treated with utmost seriousness. Ignoring these documents will not make the lawsuit disappear. Instead, it will likely result in a default judgment against you, granting the creditor the legal right to pursue collection actions such as wage garnishment or bank levies.

It's crucial to carefully review the summons and complaint, understand the allegations, and seek legal advice as soon as possible to protect your rights and explore your options for defense.

From the initial notices and collection calls, to being formally served with a lawsuit, the debt collection process can feel overwhelming. However, being served with a summons and complaint doesn't mean defeat. It signifies the beginning of a legal battle where you have the right to defend yourself.

Your Rights Under Attack: Defending Against a Credit Card Lawsuit

When facing a credit card lawsuit in South Carolina, it's easy to feel powerless. However, the legal system provides avenues for defense. Understanding and asserting your rights is paramount to navigating this challenging situation.

The Critical First Step: Responding to the Lawsuit

Upon being served with a summons and complaint, the clock starts ticking. Ignoring the lawsuit is the worst thing you can do. A default judgment will almost certainly be entered against you.

You must file a formal response, known as an "Answer," with the court within a specified timeframe, typically 30 days in South Carolina. The summons will clearly state the deadline.

The Answer should address each allegation made in the complaint, admitting those that are true, denying those that are false, and stating that you lack sufficient information to admit or deny others. This response preserves your right to defend the case.

Failure to respond within the timeframe automatically grants the creditor a default judgment, allowing them to pursue wage garnishment or bank levies without further contest.

The Statute of Limitations: A Time-Based Defense

South Carolina, like other states, has a statute of limitations on debt collection lawsuits. This law sets a deadline for creditors to file a lawsuit to recover a debt.

In South Carolina, the statute of limitations for credit card debt is typically three years. This usually starts from the date of your last payment or activity on the account.

If the creditor files a lawsuit after this period, the suit may be dismissed if you raise the statute of limitations as a defense in your Answer. It is not automatically applied.

Creditors are hoping you will not know about the statute of limitations, or will not raise the issue with the court. They can still sue you, and win by default, if you do not respond to the lawsuit to bring this to the judge's attention.

However, specific circumstances can complicate this. Making a payment, even a small one, may reset the statute of limitations, giving the creditor a fresh three-year window to sue.

Carefully review your account statements and payment history to determine if the statute of limitations applies to your case. Consult with an attorney to determine if this defense is valid in your specific situation.

Challenging the Debt: Validity and Amount

Even if the lawsuit is filed within the statute of limitations, you still have the right to challenge the validity and amount of the debt. The burden of proof lies with the creditor to prove that you owe the debt and the amount claimed is accurate.

Request documentation from the creditor, such as the original credit card agreement, account statements, and payment history.

Discrepancies in these documents can weaken the creditor's case. For instance, the creditor may not be able to produce the original credit agreement.

Examine the account statements for unauthorized charges, errors in interest calculations, or fees that were improperly assessed. Dispute any inaccuracies with the creditor.

Furthermore, debt buyers often purchase debts for pennies on the dollar and may lack sufficient documentation to prove ownership or the correct amount owed.

Common Defenses Against Debt Collection Lawsuits

Beyond the statute of limitations and challenging the debt's validity, several other defenses may be available:

Lack of Standing

The creditor must prove that they own the debt and have the legal right to sue you. If the debt has been sold to a debt buyer, they must provide documentation proving the chain of ownership. Without this proof, they lack standing to sue.

Improper Service

You must be properly served with the summons and complaint for the lawsuit to be valid. If you were not served personally or if the service was defective, you can challenge the lawsuit on these grounds.

Violation of the FDCPA

If the debt collector violated the Fair Debt Collection Practices Act (FDCPA) during the collection process, this can be used as a defense. Violations can include harassment, false representation, or disclosing your debt to third parties.

Accord and Satisfaction

If you and the creditor previously agreed to a settlement amount that you paid, this can be a valid defense. You must have documentation proving the agreement and payment.

Navigating a credit card lawsuit can be daunting, but understanding your rights and available defenses is crucial. Responding promptly, understanding the statute of limitations, challenging the debt's validity, and exploring other defenses can significantly improve your chances of a favorable outcome.

The Aftermath: Consequences of a Credit Card Judgment

Successfully defending against a credit card lawsuit is the ideal outcome, but what happens if a judgment is entered against you? The consequences can be significant and far-reaching, impacting your financial stability and future opportunities. Understanding these ramifications is crucial for preparing and mitigating the potential damage.

Legal Ramifications of a Judgment

A credit card judgment transforms the debt from a contractual obligation into a court-ordered debt. This seemingly simple shift has profound legal consequences. The creditor now has significantly enhanced powers to collect the debt.

They are no longer limited to sending letters or making phone calls. The judgment provides them with legal tools to seize assets and income. This power persists for a considerable amount of time, typically ten years in South Carolina, and can often be renewed.

The judgment also becomes a public record, accessible to credit reporting agencies, potential employers, and landlords. This visibility can negatively affect your reputation and opportunities.

Wage Garnishment: A Direct Hit to Your Income

One of the most immediate and impactful consequences of a credit card judgment is wage garnishment. This legal process allows the creditor to directly take a portion of your paycheck to satisfy the debt.

In South Carolina, the amount that can be garnished is generally limited to the lesser of 25% of your disposable earnings or the amount by which your disposable earnings exceed 30 times the federal minimum hourly wage. Disposable earnings are what remains after legally required deductions like taxes.

Wage garnishment can create a significant financial strain, making it difficult to cover essential living expenses. It can trigger a cycle of debt and hardship, especially for those already struggling to make ends meet.

Bank Levies: Seizing Your Savings

Another potent tool available to creditors with a judgment is the bank levy. This allows them to seize funds directly from your bank accounts. The creditor serves the bank with a levy, freezing the account and requiring the bank to turn over the funds up to the amount of the judgment.

This can be devastating, as it can wipe out your savings, leaving you unable to pay bills or handle emergencies. Certain funds, such as Social Security benefits, are typically exempt from levy. However, proving the source of the funds can be challenging.

Impact on Your Credit Score and Future Borrowing Ability

A credit card judgment has a severe and lasting negative impact on your credit score. It is considered a major derogatory mark and can significantly lower your score.

This can make it difficult to obtain credit cards, loans, mortgages, or even rent an apartment. You may face higher interest rates and less favorable terms when you can obtain credit.

The judgment will remain on your credit report for seven years, even if you pay it off. This prolonged period of diminished creditworthiness can hamper your financial goals and limit your opportunities. Rebuilding your credit after a judgment requires time, discipline, and strategic financial management.

Navigating the South Carolina Court System for Debt Cases

The journey through a debt collection lawsuit in South Carolina inevitably leads to the state's court system. Understanding the structure of this system and the roles of the individuals within it is essential for anyone facing such legal action. It can illuminate the process, clarify expectations, and underscore the necessity of seeking expert legal guidance.

Unpacking the South Carolina Court Structure

South Carolina's court system is structured hierarchically, with different courts handling different types of cases and amounts in dispute. Debt collection cases typically originate in either the Magistrate Court or the Circuit Court, depending on the debt amount.

Magistrate Court: Magistrate Courts generally handle claims where the amount in controversy is $7,500 or less. These courts offer a more informal setting. Rules of evidence and procedure are often more relaxed than in higher courts.

Circuit Court: For debts exceeding $7,500, the case is usually filed in the Circuit Court, which is the state's court of general jurisdiction. This court has two divisions: the Common Pleas division (for civil cases) and the General Sessions division (for criminal cases). Debt collection lawsuits fall under the Common Pleas division. Circuit Court proceedings are more formal. They require stricter adherence to the rules of evidence and civil procedure.

Appeals: If a party disagrees with the outcome of a case in Magistrate Court, they can appeal to the Circuit Court. Appeals from the Circuit Court are directed to the South Carolina Court of Appeals or directly to the South Carolina Supreme Court in certain circumstances.

The Judge's Role: Ensuring Fairness and Upholding the Law

Judges play a crucial role in overseeing debt collection cases. They are responsible for ensuring that the legal proceedings are fair, impartial, and in accordance with the law.

A judge must remain neutral, applying the law to the facts presented by both sides. They are tasked with interpreting legal statutes, ruling on motions, and presiding over hearings and trials.

In debt collection cases, judges must determine whether the creditor has presented sufficient evidence to prove the debt. This includes verifying the validity of the debt, confirming the amount owed, and establishing that the creditor has the legal right to collect the debt. Judges also ensure that the debtor's rights are protected. This means that the creditor follows proper procedures and that the debtor has an opportunity to present a defense.

Judges do not advocate for either party. They provide an unbiased forum for resolving the dispute. They are guardians of due process, assuring a fair and just outcome.

The Indispensable Need for Legal Assistance

While understanding the court system and the role of the judge is valuable, navigating the complexities of a debt collection lawsuit can be daunting. This is where the expertise of an attorney specializing in debt collection defense becomes indispensable.

An attorney can provide invaluable assistance in several ways: They can assess the merits of your case, identify potential defenses, and guide you through the legal process. They can also represent you in court, negotiate with the creditor, and protect your rights.

Navigating Complex Legal Procedures: Debt collection lawsuits involve complex legal procedures and rules of evidence. A knowledgeable attorney can ensure that you comply with these requirements and avoid costly mistakes.

Identifying and Asserting Your Rights: Debt collectors often engage in abusive or illegal tactics. An attorney can help you identify these violations and assert your rights under the Fair Debt Collection Practices Act (FDCPA) and other consumer protection laws.

Negotiating Favorable Settlements: An attorney can negotiate with the creditor on your behalf to reach a settlement that is favorable to you. This could involve reducing the amount owed, setting up a payment plan, or even dismissing the lawsuit altogether.

Providing Peace of Mind: Facing a debt collection lawsuit can be stressful and overwhelming. An attorney can provide you with peace of mind by handling the legal aspects of your case and protecting your interests.

In conclusion, understanding the South Carolina court system and the role of the judge is essential for anyone facing a debt collection lawsuit. However, the complexities of the legal system often necessitate the assistance of an attorney specializing in debt collection defense. Their expertise can be invaluable in protecting your rights, navigating the legal process, and achieving the best possible outcome in your case. Do not underestimate the importance of seeking professional legal advice when facing a debt collection lawsuit.

Legal Shields: The FDCPA and Your Consumer Rights

Understanding the South Carolina court system provides a framework for navigating debt collection lawsuits. But even with that knowledge, individuals need robust protections against unfair or abusive debt collection practices. The Fair Debt Collection Practices Act (FDCPA), a federal law, serves as a crucial legal shield, setting boundaries for debt collectors and safeguarding consumer rights.

Understanding the Fair Debt Collection Practices Act (FDCPA)

The FDCPA, enacted in 1977, aims to eliminate abusive, deceptive, and unfair debt collection practices. It seeks to ensure that debt collectors are not harassing or misleading consumers while attempting to collect legitimate debts. This law applies to third-party debt collectors, meaning entities that collect debts on behalf of others. It generally doesn't apply to original creditors, such as the credit card company itself, although some state laws may extend similar protections.

The FDCPA's core purpose is to level the playing field, preventing debt collectors from using aggressive or unethical tactics to coerce payments. It acknowledges the power imbalance between debt collectors and consumers, establishing clear rules of engagement to protect vulnerable individuals.

Your Rights Under the FDCPA: A Detailed Look

The FDCPA grants consumers several key rights, empowering them to challenge questionable debt collection practices. Understanding these rights is paramount for anyone facing debt collection efforts.

Validation of Debt

You have the right to request validation of the debt. Within five days of initial contact, a debt collector must provide you with written notice including the amount of the debt, the name of the creditor, and a statement that if you dispute the debt within 30 days, the debt collector will obtain verification of the debt. This verification must be mailed to you.

This provision is crucial for ensuring that the debt is legitimate and accurate. It forces debt collectors to provide proof of the debt, preventing them from pursuing unsubstantiated claims.

Cease Communication

You have the right to demand that a debt collector cease all communication with you. To exercise this right, you must send a written request to the debt collector. Once received, the debt collector can only contact you to acknowledge the request and to inform you of specific actions they may take, such as filing a lawsuit.

This provision provides crucial relief from harassment and allows you to control the flow of information.

Restrictions on Communication

The FDCPA places significant restrictions on how and when debt collectors can contact you. They cannot contact you at inconvenient times or places, such as before 8:00 a.m. or after 9:00 p.m., unless you give direct consent.

Debt collectors cannot contact you at work if they know or have reason to know that your employer prohibits such communications. They also cannot contact third parties (with limited exceptions, such as to locate your whereabouts) to discuss your debt.

Prohibited Practices

The FDCPA explicitly prohibits debt collectors from engaging in a range of abusive and deceptive practices. These include:

• Harassment or Abuse: Debt collectors cannot use threats, intimidation, or offensive language. Repeated phone calls intended to annoy, abuse, or harass are also prohibited.
• False or Misleading Representations: Debt collectors cannot misrepresent the character, amount, or legal status of the debt. They cannot falsely imply that they are attorneys or government officials.
• Unfair Practices: Debt collectors cannot collect any amount not expressly authorized by the agreement creating the debt or permitted by law. They cannot deposit postdated checks without notice or threaten to take actions that cannot legally be taken.

Violations of the FDCPA can result in legal action against the debt collector. You can sue for actual damages, statutory damages (up to $1,000), and attorney's fees and court costs.

South Carolina-Specific Protections

While the FDCPA provides a baseline of federal protection, South Carolina also offers additional safeguards for consumers facing debt collection. The South Carolina Consumer Protection Code includes provisions that address debt collection practices, sometimes extending protections beyond those offered by the FDCPA.

For example, South Carolina law may place further restrictions on the types of fees and charges that debt collectors can add to the original debt. It's essential to consult with a South Carolina attorney to fully understand the state-specific protections available to you.

Understanding and asserting your rights under the FDCPA and South Carolina law is vital in navigating the often-challenging landscape of debt collection. These legal shields can protect you from harassment, ensure fair treatment, and provide leverage in resolving debt issues.

Debt Resolution: Exploring Your Options

Having armed yourself with knowledge of your rights and the legal landscape, the question remains: how do you escape the weight of overwhelming credit card debt? Fortunately, several avenues exist for resolving this burden, each with its own set of advantages and disadvantages. Two of the most commonly considered options are debt settlement and bankruptcy.

Debt Settlement: Negotiating a Path to Freedom

Debt settlement involves negotiating with your creditors to pay a lump sum that is less than the total amount you owe. This can be an attractive option for those who are struggling to keep up with payments but are not ready to declare bankruptcy.

How Debt Settlement Works

The process typically begins with you, or a debt settlement company acting on your behalf, contacting your creditors to propose a settlement offer. This offer is usually a percentage of the total debt owed. Creditors may be more willing to negotiate if they believe that you are facing genuine hardship and that settling for a lower amount is better than risking non-payment altogether.

Key Considerations for Debt Settlement

Successful debt settlement requires careful planning and a realistic assessment of your financial situation. It's crucial to understand that creditors are not obligated to accept your offer. Furthermore, settled debts may be subject to income tax, as the forgiven portion is often considered taxable income by the IRS.

It's also important to be wary of debt settlement companies that make unrealistic promises or charge excessive fees. Thoroughly research any company before entrusting them with your financial future.

Bankruptcy: A Fresh Start Under the Law

Bankruptcy offers legal protection and a structured path to debt relief for individuals facing overwhelming financial hardship. In South Carolina, the two most common types of bankruptcy for individuals are Chapter 7 and Chapter 13.

Chapter 7 Bankruptcy: Liquidation and Discharge

Chapter 7 bankruptcy, often referred to as "liquidation bankruptcy," involves the sale of certain non-exempt assets to repay creditors. However, many assets are exempt from liquidation, such as your primary residence (up to a certain value), personal belongings, and retirement accounts. The primary benefit of Chapter 7 is the discharge of most unsecured debts, including credit card debt, providing a fresh financial start.

Chapter 13 Bankruptcy: Reorganization and Repayment

Chapter 13 bankruptcy, also known as "reorganization bankruptcy," involves creating a repayment plan over a period of three to five years. This option is typically chosen by individuals who have a regular income and wish to retain their assets, such as their home. Under a Chapter 13 plan, you make monthly payments to a trustee, who then distributes the funds to your creditors according to the terms of the plan. Upon successful completion of the repayment plan, any remaining dischargeable debt is forgiven.

Weighing the Pros and Cons

Both debt settlement and bankruptcy have distinct advantages and disadvantages. Debt settlement can allow you to avoid bankruptcy and potentially pay off your debt faster, but it's not guaranteed, and it can negatively impact your credit score. Bankruptcy provides immediate debt relief and legal protection, but it also has a significant and long-lasting impact on your creditworthiness.

The best course of action depends on your individual circumstances, including the amount of your debt, your income, your assets, and your long-term financial goals. Seeking advice from a qualified financial advisor or attorney is crucial to making an informed decision that aligns with your specific needs and situation.

Seeking Support: Resources and Where to Find Help

Having navigated the complexities of debt resolution, understanding that you are not alone in this journey is critical. Numerous organizations and resources stand ready to assist South Carolina residents grappling with credit card debt. Knowing where to turn can be the first and most empowering step towards regaining financial control.

Navigating Debt: Avenues for Assistance

Debt can feel isolating, but it's essential to remember that help is available. Numerous organizations dedicate themselves to providing guidance, resources, and sometimes even direct assistance to individuals struggling with debt. These resources can be invaluable in understanding your options and developing a plan to move forward.

Credit Counseling Agencies: Your First Stop?

Non-profit credit counseling agencies are often an excellent starting point. These agencies offer services like:

• Budget counseling
• Debt management plans (DMPs)
• Financial education

Look for agencies certified by the National Foundation for Credit Counseling (NFCC) or the Financial Counseling Association of America (FCAA).

They can provide an objective assessment of your financial situation and help you create a realistic budget and debt repayment strategy. Beware of for-profit companies masquerading as credit counselors; always verify the agency's non-profit status and accreditation.

South Carolina-Specific Resources: Tailored Support

Several organizations in South Carolina offer targeted assistance to residents facing financial challenges. These may include:

• Legal Aid Organizations: Offering free or low-cost legal assistance to those who qualify.

• Consumer Protection Agencies: Investigating complaints about unfair or deceptive business practices.

• Community Action Agencies: Providing a range of services, including financial literacy programs.

Researching local resources ensures you receive support tailored to South Carolina laws and regulations.

Legal Assistance: When to Seek an Attorney

If you are facing a credit card lawsuit, seeking legal advice is paramount. An attorney specializing in debt defense can:

• Evaluate the merits of the lawsuit

• Help you understand your rights

• Represent you in court

Legal aid organizations or attorneys offering pro bono services may be available if you meet specific income requirements. The South Carolina Bar Lawyer Referral Service can also connect you with attorneys in your area.

Evaluating Resources: Red Flags to Watch For

While many resources are legitimate and helpful, some prey on vulnerable individuals. Be wary of:

• Companies promising instant debt relief for a large upfront fee

• Agencies that pressure you into signing up for services without a thorough assessment

• Organizations that are unwilling to provide information about their fees and services

Always do your research and check the organization's credentials before entrusting them with your financial information.

Empowering Yourself: Taking the First Step

Overcoming credit card debt requires a multifaceted approach. Seeking help is a sign of strength, not weakness. By leveraging the resources available in South Carolina, you can gain the knowledge, support, and legal assistance needed to navigate the challenges and regain control of your financial future. Proactive engagement with these resources is the key to successfully addressing your debt issues.

Video: Credit Card Judgment in SC: Know Your Rights Now!

Play Video