It is never too late to learn how to properly R4C. However the process is best done timely according to the common law (72 hours according to the UCC for example).
But you might learn how to with a Libel of Review and it may help you prevent liens and when you have a judgment published in your favor, you might use it to clean up credit reports if the collectors say you have bad credit.
Pay particular attention to the example clerk instruction in the counterclaim to understand how this works as a product. And read the first paragraph of the explanation at the end several times too.
http://www.suijuris.net/forum/attach...c?d=1184450811
One of the many people already doing this (suitors) has refined the clerk instruction according to postal regulations with her local postal inspector (attached). Additionally, another suitor has refined the process - not so secure, but for a fraction of the price at the postal clerk.
Regards,
David Merrill.