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Nearly all consumers think they're litigating or dealing with banks when in fact they're not. Tonight we look at basic elements of winning based upon 16 years of experience, research, and data collection. Here are some of the highlights: Consumers who hurl accusations at the banks are sealing their own doom. The basics of every successful defense can be summed up into two words: DENY and TESTMost failures in court are the result of admissions of facts by the consumer about which they know absolutely nothing.Most successes in court are the result of the consumer denying everything and testing every allegation and exhibit. Tonight I will discuss the attributes of successful defense strategies