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They had the entire history of the account in statements, and a signed statement saying that the debt had been turned over to CACH. He hasn't yet given me proof that he is able to collect the debt,...

Here's the UPDATE!

I went to the mediation hearing, and they actually had all the proof! I couldn't believe it. We discussed settlement options. I said I would pay half of the charge off...

This needs to be a new thread or else you will not get good responses. But depending on what kind of debt it is and what state you live in, probably not. You need to check into the satute of...

Let us know how you are doing! I've just been through the same thing last month, so don't let them scare you! :D I know it takes some time and energy, but it's worth it. I have had a pretrial on...

The lawyer is from a local firm. He indicated he would have the documents I requested at the mediation. I have since sent them another letter in response to their supposed validation, saying that...

I did go to the pretrial. It was a complete waste of time and getting nervous! I told the judge my name and that was all I said. She declared no discovery, and set a mediation date that is 9/25. ...

At what point in time does it become too late to file an notice of discovery? They sent me something just a couple of days ago that was supposed to be validation of the debt, but was more of less...

I have to say that the best way to get specific info is by doing some legal research. I got a book from the library called "How to do leagal research". It is geared more towards legal students, but...

I've just been through all this, so a bit more detail may help.

To file an answer, just go through each of the counts that are listed in numerical order, and just say yes or no to each number, and...

I say beware of CACH! I'm dealing with them too. In my case, they are an assignee of Chase Manhattan, and have used a law firm that is able to practice law in my district. I know that they have an...

Wow, what a mess! I'm certainly not an expert, but I think the fact that you are working very hard to make amends with definitely work in your favor. Put EVERYTHING in writing, and send it...

I have a very specific question about FDCPA. I'm trying to figure out if these creditors have violated the FDCPA in a major way.

I have an old cc debt, it has been in collection with several...

Is it wise to do this before my trial coming up or does it matter? Do I just need to go to the courthouse and tell them "I need to counter-sue these people."? I know the way my summons was set up...

Wait! I want in on this one! I'm in the same boat.

I put in my answer that I denied all their charges because they had failed to provide proof positive that the debt is valid. There is...

All I can say is : GO GET 'EM!!

There is a website that can help you find a lawyer in your area that specializes in dealing with these scumbags. You may have to call and make sure that you get...

Here's my situation in a nutshell: I am being sued by a CA through a local lawyer for a debt that I do owe. I have sought validation of the debt through the CA and also from the lawyer that they...

Not sure what the discovery letter is, yet. My comment was going to be about your finances and the potential to have to ultimately pay this. I've been advised that you go to your court date with a...

I don't know that I completely follow..... they sent you a letter threatening arbitration, or they sent you a summons? If it is a summons, then it is serious and they could ultimately put a lien on...

Make sure that you negotiate your credit rating! They do have power over how the paid off debt is reported to the Credit Reporting Agencies, and it will affect your credit big time! Here is the web...

I have no advice or answer to give you, but I just wanted to give you my support in fighting this and being informed. Hope you get some good info and answers.

Can I just say that I LOVE THIS PLACE! :D I have been feeling like I am the most informed person in other forums and I end up spending all my time explaining why I refuse to just pay them off and...

If anything, I'm sure that you could go to court, claim naïve ignorance and back pedal a little.[ As for the SOL, I think you can sue them for pursuing a debt beyond the SOL. Look at this website: ...

Who exactly is the plaintiff? Is it the law office that I have been contacted by or the collection agency? If it is the CA, does that mean that someone from the CA must be present? Isn't that...

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. ...