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You should find some answers to your questions at this blog: Credit Card Debt Lawsuit Help

Check out this blog by an Alabama consumer attorney Alabama Consumers Sued By Debt Buyers Or Collectors - Two Essential Things To Remember :: Alabama Consumer Law Blog

Interesting read and I think...

Go to Welcome to WashingtonLawHelp.org and find the Exemption of Assets form, you need to file an answer and the exemption form stating that your sole income is social security. Hope that helps.

I'm glad I was able to help! I'll keep my fingers crossed that you can get some legal assistance, I would think you have a good case. At the very least, a good lawyer should be able to drag the...

I am SO sorry, what a stressful situation and right before the holidays too!

I would try and locate some sort of legal aid office for help. If you Google your State and legal aid you may find...

There is a great article about understanding Discovery procedures at creditinfocenter, here's the link: Discovery Credit Lawsuit Collectors Complaints Legal Tools

You can also find templates for...

Hi Timothy-
I would recommend this article as a starting point. There's a lot to learn, but it's crucial that you answer the lawsuit within the time-frame listed on your summons or you will face a...

If you can settle with the debt collector for monthly payments that is probably your best option since I'm assuming the debt is within SOL?

Unfortunately, the court does not care about your...

I recommend this article as it helps demystify the whole process and let's you know what you need to do in order to defend yourself Served a Summons Or Credit Card Debt Lawsuit - Don't Call the...

You can get an Answer, Intent to Defend, Request for Production of Documents and more for $37 at E-Document Package

Here's a great link that includes SOL by State and explains how it works in...

I know that this sort of thing is SO unsettling but these lawsuits can be fought and you can represent yourself successfully.

Start with this article at Served a Summons Or Credit Card Debt...

You might want to read this article The Growing Trend of Credit Card Debt Lawsuits - Will You Be Served a Summons?

Check out your State's judicial website, they sometimes post "sample" pleadings that you can use as a guideline. There is also great information for formatting legal pleadings (Answer doc and...

There is a "sticky" posted on CreditBoards.com - Credit Help, Credit Repair Tips, News, Forums with free advice on how to format an "Answer" document. You can also purchase Word templates at HOW TO...

You need to file a Notice of Appearance & an Answer with the court and mail a copy to the Plaintiff's lawyer. You also need to file & mail a Certificate of Service so the court knows you filed your...

There's a great article you should read at Served a Summons Or Credit Card Debt Lawsuit - Don't Call the Creditor!

It will give you a good idea of your options and what NOT to do!

Oh, and I forgot that in answer to your question, yes you can demand proof of debt documents, statements, etc. This is generally done during the "Discovery" phase of a lawsuit. Basically, after you...

Check out this very resourceful article about the crucial first steps to take when served a summons at: Served a Summons Or Credit Card Debt Lawsuit - Don't Call the Creditor!

You definitely want...

You can try The Child Custody Library. They have tons of forms you can use for custody modifications, visitation modification, etc.

There's information for practically any situation and you can...

One more thing... it was established in The Truth of Lending Act if that helps.

Federal law has mandated that credit cards are always considered "open accounts' although I guess some local courts like to consider them "written" as the SOL is generally longer.

You can find the...

I've heard of people getting just a few buck from those mailers. You'd probably be better off trying to go local. Most pawn shops buy scrap gold but the sad reality is that the value of jewerly is...

Try to relax. The fact that your debt has been sold several times is actually a good thing! It means the chances of the creditor (Cambece is a junk debt buyer) having the documentation to prove...

It sounds real to me. Probably sent by a junk debt buyer that has no proof or records of your debt beyond that affadavit. One collection agency, "lawfirm" in Atlanta is purported to file 127 "debt...

I was able to lose weight quite rapidly, check out this Squidoo article, the plan (especially the protein waters worked for me): Lose Weight FAST utilizing the Secret Power of Beverages!

Great menu! When I dropped 20 (have 10 more to go!) pounds of baby weight I used a plan that kept the meals pretty simple and the same. It said that the most successful dieters pick a rotation of...

There are publications for representing yourself in custody court (if you absolutely must) this is called going Pro Se.

You may also want to try contacting your local Legal Aid office, they...

Wow... things sure have changed. I can't believe they are being that horrible over a 45 day late payment. I wouldn't think that it would be become a major issue until you were at least 90 days...

I had the same thing happen to me. The date on the summons is usually much earlier than the actual "service date" which is when you received the summons.

The process server has to file...

I would check out the publications at the Child Custody Library. It's a great way to "check up" on your lawyer and make sure you are using all the advantages and strategies available to you.
...

There are publications available to help people in custody situations who are operating Pro Se (representing yourself). I know that there are two psychologist's who offer Pro Se documents and tons...

Pennies on the dollar. I believe the rule of thumb is to try and settle for 70%.

This Squidoo lens offers some interesting facts about how HUGE this industry is and how they operate, How To...

So I went on a cruise with my parents in September. My husband didn't go so I wanted to check in w/ him periodically (my 4 year wanted to talk to "Daddy" as she missed him terribly) and I used my...

THis article should give you an idea of where to start, however it only relates to third-party debt collectors, not sure if that applies to your situation or not: Served a Summons Or Credit Card...

You might want to check out Child Custody Help and click on the link for the FREE 2008 Child Custody Checklist.

That will take you to a great site I found that was written by insiders who have...

It does seem strange. Generally debt collectors will make a settlement offer of 50% or even 70% and still be happy because it's all pure profit for them.

You might want to check with you local...

I know that all of this can be so confusing. That's why SO many people fail to respond to their lawsuits and end up w/ ruined credit and garnished wages.

Check out this article that I found, it...

I've heard that Capitol One can be difficult to deal with. I agree with Kayebird that your best bet is to file an Answer.

That is your best bet of them either not showing up to court, or when...

I was in the same situation where there was no court date on my summons. I used an "Answer" template from ihavebeenserved.com and the creditor never responded after receiving the Answer. The case...

Mike,

Check out E-Document Package

You can find validation forms and an Answer template. Good luck!

Midland is a well-known third-party "junk" debt collector. Oftentimes all these junk debt collectors have is a one page printout on you. They pay pennies on the dollar for the debt. When forced in...

Did you receive a summons or has a judgement already been enacted?

If a judgement is in place then that entitles the creditor to garnish your wages or freeze assets. If you did indeed pay the...

I don't know the current status of your situation, but I had a somewhat similar lawsuit brought against me by Cach, LLC which is bought my Providian card debt.

You have several defenses you can...

At 7 years I would assume it is way past the Statute of Limitations. It's hard but you do need to try and fight this. Google "SOL for Debt by State" and you'll find lists of the SOL on credit card...

You need to respond because if you don't, they'll grant a default judgement which will ruin your credit for at least ten years and they'll have access to your bank account or garnish your wages to...

I was able to find an Answer template online. I don't think I can list the URL here, but if you Google, "HowtoAnswerACreditCardDebtLawsuit" you'll find the page.

There's some helpful information...