Debt Collection lawsuit Request for Admissions
I am new to this site and hope someone can help. I was recently married and before my husband and I married we consolidated all of our finances, ran credit reports, and cleared all debts that were old so that everything was current before we went into our marriage. My husband started receiving collection calls around Oct 2008 from Midland regarding an old debt. My husband ask them to provide details and statement on the debt and he would be happy to pay if he owed the amount. But was sure everything had been cleared so we needed proof. They failed to provide the details we requested and they continued to call. He continued to request the information, and finally asked them to stop calling if they were not going to provide evidence of what the debt was for. Shortly thereafter, he received a summons from a local ATTY in AZ on behalf of Midland. They were suing my husband for the amount of $1000 and some change. Attached to the summons was a citibank agreement, but not with his signature. Still no details, just very vague information. We filed a response to the summons because our intent is to fight. Not to pay something we have no idea what the debt is for. We have now received a Request for Admission from the ATTY office. I understand I need to complete this and send a copy back to the ATTY. My question is this, Should I file a Request for admission? If so, how do I go about doing this. To retain an ATTY would end up costing more than the debt they are trying to collect, so we are trying to fight this ourselves. Do I need to go to the courts to file the request? If so, are there proper forms that needs to be completed? Please help, we want to beat this company and we are positive this is most likely some old debt and these companies get away with collecting all of these fees in addition just because most people won't fight these cases. I refuse to back down. Any advice is appreciated.