I am confused and need help.
I was served a summons (on one page) and a complaint (contract) (on another page) from Jerold Kaplan Law Office here in Arizona

It states that the plaintiff is Discover Bank, but yet I have a document that says that he is the Legal Placement Account Manager for DB Servicing Corporation, the servicing affiliate for Discover Bank, an FDIC insured Delaware state bank.

I know that I have 20 days to "answer" in writing to the attorney and to the court, but I don't know HOW to answer. Do I request a debt validation letter? If so, is there a FREE template on what to say and how to say it that is written with Arizona laws in mind?

I really thought that we "settled" this balance and that it was charged off (I will be printing out my credit rating shortly) and then I thought the SOL was 3 years according to ARS 12-543 but now I guess it is 6 years?

I have not received phone calls, nor any letters in the mail for years regarding this debt.

Can anyone offer any guidance or suggestions on how I should respond?
I have read a lot of shady things about the law firm AND DB Servicing Corporation, so I am lost and confused.

Thanks for any inforamtion,

Kerri-

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Originally Posted by pepsiblu

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It states that the plaintiff is Discover Bank, but yet I have a document that says that he is the Legal Placement Account Manager for DB Servicing Corporation, the servicing affiliate for Discover Bank, an FDIC insured Delaware state bank.
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Who is "he"?

Quote:

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Originally Posted by pepsiblu

...I know that I have 20 days to "answer" in writing to the attorney and to the court, but I don't know HOW to answer. Do I request a debt validation letter? If so, is there a FREE template on what to say and how to say it that is written with Arizona laws in mind?...

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Your answer should admit or deny the specific allegations of the complaint, and set out any affirmative defenses that you may have. Requesting a "validation letter" would be something you would do by discovery, rather than in your answer.

Quote:

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Originally Posted by pepsiblu

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I really thought that we "settled" this balance and that it was charged off (I will be printing out my credit rating shortly) and then I thought the SOL was 3 years according to ARS 12-543 but now I guess it is 6 years?

I have not received phone calls, nor any letters in the mail for years regarding this debt.
...

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If you believe this debt is beyond the SOL, that would be an affirmative defense to be pleaded in your answer.