Reddit loves this tactic.

But does it work?

Why People Request a Jury Trial

Reasons include:

• Increased pressure on the plaintiff
• Higher litigation costs for debt buyers
• Strategic leverage for settlement

Debt buyers prefer streamlined bench trials.

A jury trial complicates things.

When It Might Help

• When documentation is weak
• When identity is disputed
• When the chain of title is questionable

It increases plaintiff costs.

When It May Not Help

• When documentation is strong
• When the amount is small
• When local rules discourage it
• When filing fees apply

It’s a strategic decision — not automatic.