How do I answer a summons from a CA?
Brand new to this forum. Ran out of advice on another forum and still looking for answers.
I was served with a summons from a local lawyer last Thrus. I have until 7/19/07 to file my answer. I'm not sure if it was issued legally or not. I sent them a validation of debt letter well within the 30 day time limit they set in their letter to me, they served me with a summons without giving me any sort of answer to my letter. It was sent certified, return/receipt and I have copies and all that. This is an attorney that was hired by the collection agency that now owns the debt. (CACH, LLC) I know that it states in the FDCPA (Fair debt collection practices act) that a suit can filed without providing validation, if validation is sought. But then I found a web site that states the opposite, though the case that they site as evidence is having to do with the CA not being able to get a judgement issued without validation.
I'm also confused as to what exactly will constitute validation. There is what is laid out in the FDCPA, and then what is set forth in an interpretation of that section (809 (b) I think). I'm confused. I want to represent myself in court and avoid a lawyer fee, but I want to be as informed as possible and not let them cheat me! I know that CACH has a nasty reputation for using illegal practices.