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Thank you very much Twinkie, we do have full coverage + a little extra on our home. We are moved in completely. We just used our own insurance instead of the company that the home dealer suggested...

Thank you for responding. We waived their company insurance and wanted to use our own company, so they offered to pay it up front for us when we had the money to do so but they mentioned the escrow...

Hi, we just bought a new manufactured home. We were going to pay our home owners insurance for a year directly to our private insurance company but was told it had to be in escrow. The mortgage...

If you decide on using a debt consolidation company, make sure it is designated "non-profit" or a community debt counseling service - the ones who are not non-profit are the ones you hear most...

I heard on a consumer show on TV that one should go with a non-profit credit counseling organization and check with the better business bureau on any agency you choose. Most companies do it for...

There is not a standard "form". You must prepare an answer to their complaint and send them discovery to prove the debt. You can find lots of samples of answers and discovery pleadings online, here...

You must formally answer the Interrogatories - or they will get a summary judgment. You can send them your Interrogatories and discovery also asking them to prove their case. They have to answer your...

You must respond to their interrogatories or they can get a summary judgment against you. You can also prepare your own interrogatories (discovery) and ask them to prove the debt, which in most...

If you can do some research, you need to submit a discovery request and make them prove the debt. Did you file an answer to their original complaint in the summons? I have dealt with Asset, you can...

Is this from a collection agency or directly from Capital One? If you want to fight it, file an answer to their complaint as soon as possible. Then hit them up with discovery - to make them prove...

There are many samples of discovery answers online for debt collections. Scott, I appreciate you further defining what I meant by responding. I wasn't clear in my post. My main objective was to say...

If you answered the summons complaint, you should answer their discovery and submit your own discovery asking for proof of the debt. I wouldn't settle the matter if I had answered the complaint and...

I didn't mean to imply that an original creditor did not have to provide proof nor that you didn't have the right to ask for it from them. Most original creditors have court sufficient documentation...

You need to file an answer if you wish to pursue this further. There are many posts in these forums with sample answers as well as other debt websites dealing with debt suits. If you don't do...

Who is suing you, an original creditor or a collection agency/junk debt buyer (JDB)? You have the option of filing an answer and requesting discovery to make them prove their case if it is a debt...

The junk debt buyer's attorneys have blatantly refused to answer my discovery in a debt case they filed against me. The deadline is this week. I have written to them numerous times with certified...

I am dealing with a debt case with a junky debt buyer who has sued me. I checked the online court records and there is a new entry "case stricken from disp. dkt"

Does anyone know what that means?...

Have you been served a summons? When and if you are served, you can file an answer to the court or they get an automatic default judgment. If you get served, you will find many helpful people here...

What does "under oath" mean in answering interrogatories from a junk debt collector - does that mean answers have to be notarized? Thanks

I did request proof when I received the summons - they answered in a quick letter with the original creditor's name and address and alleged acount number - that is it! Thanks for taking the time to...

Oh wow Scott - I didn't know I could do that - am I not compelled by court to answer their discovery? There is no court stamp on the documents but I am aware they can compel me through the courts if...

Hi all, I was wondering if someone might glance over these answers to a junk debt collector's discovery request. I am in Oklahoma and have already submitted my answer to their original complaint back...

I am involved in a suit with a junk debt buyer and their bottom feeding lawfirm - I just got served so I am working on the answer and will file it this week. However, I received a letter this...

Violet, there is no real good advice. My husband and I are in the same condition. We were doing all right then he got sick and lost his business and now we are living on a modest retirement income....

Short story - Spouse and I were doing well and he got sick and closed his business, I retired on government annuity, we moved out of state to take care of elderly parents. We couldn't keep up with...