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Type: Posts; User: kayebird

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  1. Question: Insurance escrow

    by kayebird
    Answers
    6
    Views
    715

    Thank you very much Twinkie, we do have full...

    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...
  2. Question: Insurance escrow

    by kayebird
    Answers
    6
    Views
    715

    Thank you for responding. We waived their...

    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...
  3. Question: Insurance escrow

    by kayebird
    Answers
    6
    Views
    715

    Insurance 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...
  4. If you decide on using a debt consolidation...

    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...
  5. Answers
    1
    Views
    564

    I heard on a consumer show on TV that one should...

    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...
  6. There is not a standard "form". You must prepare...

    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...
  7. Answers
    6
    Views
    2,444

    You must formally answer the Interrogatories - or...

    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...
  8. Answers
    6
    Views
    2,444

    You must respond to their interrogatories or they...

    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...
  9. Answers
    1
    Views
    698

    If you can do some research, you need to submit a...

    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...
  10. Answers
    2
    Views
    699

    Is this from a collection agency or directly from...

    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...
  11. Answers
    3
    Views
    1,166

    There are many samples of discovery answers...

    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...
  12. Answers
    3
    Views
    1,166

    If you answered the summons complaint, you should...

    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...
  13. Answers
    6
    Views
    3,881

    I didn't mean to imply that an original creditor...

    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...
  14. Answers
    6
    Views
    3,881

    You need to file an answer if you wish to pursue...

    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...
  15. Question: Summons of Debt!

    by kayebird
    Answers
    11
    Views
    949

    Who is suing you, an original creditor or a...

    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...
  16. Question: Motion to Compel

    by kayebird
    Answers
    0
    Views
    295

    Motion to Compel

    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...
  17. Answers
    1
    Views
    3,938

    What does it mean when a case is stricken?

    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?...
  18. Question: What to expect

    by kayebird
    Answers
    3
    Views
    624

    Have you been served a summons? When and if you...

    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...
  19. Answers
    1
    Views
    2,385

    Oath requirement - Interrogatories

    What does "under oath" mean in answering interrogatories from a junk debt collector - does that mean answers have to be notarized? Thanks
  20. I did request proof when I received the summons -...

    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...
  21. Oh wow Scott - I didn't know I could do that - am...

    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...
  22. How to Answer a JDB debt collector discovery request?

    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...
  23. Invasive Questionnaire from collection agency's lawyer

    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...
  24. Answers
    12
    Views
    2,392

    Violet, there is no real good advice. My husband...

    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....
  25. Answers
    2
    Views
    586

    Should I give up - multiple debt suits

    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...
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