Hi everyone. Previously I had posted about FRIC or first resolution investment corporation taking me to court for something I don't remember owing. Apparently they said I owe some credit card with city bank which I called to verify and the bank did not have any information on me. You may read what I had posted about them here.

https://www.askmehelpdesk.com/small-claims/taken-court-fci-72593.html#post325920


The thing is that I submitted my answer to the court. I sent a certified letter to the collection agency who claim they are an attorney office asking for the following information:

1. Copy of the original application showing terms of agreement.
2. Summary of my account activities – including all purchases, payments, late charges, date of payments received and date payments posted.
3. All documents signed by me proving the amount of obligation.
4. Documented proof that this is my obligation.
5. Copy of the purchase agreement between City Bank and your corporation.
6. Copies of any and all collection notices sent me by your corporation.

THE LETTER WAS SENT MARCH 16 AND DELIVERY UPS CONFIRMED IT WAS RECEIVED ON THE 19. THE LETTER STATED IF WITHIN 30 DAYS THEY WOULD NOT PROVIDE ME WITH THE REQUESTED INFO, TO PLEASE CEASE REPORTING THIS TO THE CREDIT BEAURU AND DROP COURT CASE. ALSO STATED THAT THEY COULD CONTACT ME IN WRITTING TO INFORM ME IF THEY INTENDED TO EVOKE A SPECIFIC REMEDY. cOURT DATE IS IN JUNE. AS OF TODAY APRIL 24, 2007, I HAVE NOT RECEIVED ANY RESPONCE FROM THEM.

WHY Haven't THEY ANSWER?

Depending on the age of the original debt they may have decided to move on. Collection agencies often buy old debts for pennies on the dollar. They take a quick stab at collecting debts that may have expired statutes of limitation. Save all your notes and UPS receipts and wait. If you get another court summons you should appear.

Send a letter to all the credit bureaus, with a copy of the letter you sent them. In that letter, point out that they have not responded within the 30 days as required, so you expect them to remove this item from your reports.

Check with the court and make sure your hearing is still on the docket. As long as it is, you NEED to appear for the hearing. Most likely they won't so you ask the judge to dismiss the case with prejudice. Show the judge the letter you wrote and that they did not respond.