slkr

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About slkr

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    Michigan
  1. I cannot thank you all enough for getting me through the first scary deadline (the 21 days after being served). I wish i could go back in time and talk to the super frightened me in 2009 when the calls all started and know what I know now! I would certainly not be making payments to MJE and Stillman like I am, nor would I have accidentally had judgements against us over the time leading to now. OH! LIVE AND LEARN and then send everyone here! So I made all the copies of my notarized affadavit and answer, got one to the clerk at court, the other in the mail to Roosen. Side note to all...pr
  2. i am still confused as to how this can be an "open account" between parties (item four of their complaint) if i is a charged off account and 2/3 credit reports say it is closed in collections. Am I reading too much into this and just need to deny the whole thing and be done? i cannot find where to put my statements about the other attys trying to collect previous, if that is relevant, am I to understand that anything I want to bring up in court has to be stated somewhere in my answer or i cannot talk about it? I also feel like my denials are all repetitious bc they are based on this alleg
  3. so they are saying account stated in line four but at the first line they refer to it as a written instrument in my possession, am i then arguing on a written or non written contract? dang it. since there is no afadavit on here with the proof or account, am i assuming they are holding on to that to bring to court or do they have to show it all here in the summons? hope i am making sense. thanks
  4. oh boy this may be obvious, but all this information we have been gathering for my answer, I am supposed to use this form, yes? http://courts.mi.gov/Administration/SCAO/Forms/courtforms/generalcivil/mc03.pdf looks like i use the line i disagree because... in order to state my denial of knowledge of a contract, etc. or is all that to go at the bottom in the affirmative defense?? thank you
  5. @Brotherskeeper we are no longer E5 and below, but I am so grateful for the info on the military help from cooley, i hope someone else sees it and can use that service. what an amazing resource, thank you. @shellieh98 thank you for all the options and input, helping me not to feel so dumb @debtzapper @Clydesmom thank you i tried to contact attys but they either wanted to talk me into bankruptcy or put together a case for violation of FDCPA on the collection behavior which is not what i needed @bmc100 the papers were served at our home and he was deployed when as Cavalry Portfolio Service
  6. I hope my responses below are clear, i clicked quote and answered in BOLD
  7. I just want to cry. I have read the wonderful info from bcm but it is just greek to me. I tried to replace some of the legalize with real words in order to "get" what to do but I just cannot wrap my head around it. I appreciate your support and responses though.
  8. Thank you both. He is gratefully home now, thank you Tom for YOUR service. I just don't think he has it in him to fight this mess in person. If we wants to just negotiate do we still go thru all the answer process or just call the Junk buyers? Years ago I think I ended up with a consent judgement by doing so, but I have never heard of these Roosen people. Ultimately it was our debt way back when that they charged off. I am sure Cavalry bought it for pennies, and the amount they want is way over what it was when we stopped paying when he was laid off. But I dont have any contract to see i
  9. First, thank you for past help. I have lurked a little too late on some other accounts, and when judge looked at me and said is this your account and your address (on the bills) I said yes, and it all went down hill from there. This time, it is my husband's account, and I am trying to nip it all in the bud. I cannot find the darned list of what you need to know to guide me and I have a headache reading the WONDERFUL Michigan posts flipping back and forth to the legalize dictionary webstie trying to translate all the wonderful advice. I want to cry all the official talk is so confusing, so PLEA
  10. Update! I sent a letter back to Stillman reminding them that they were misleading in their letter on whom their client is/was, not reasonable with timing and that they still had not proven a contract. I received today a letter with photo copies of credit card bills from 2009, including the month a final payment was made in fall of 09. They then included sworn blah blah blah showing that Midland (their client) purchased the WaMu/Chase account and will now await my correspondence for settlement on the account. Looking at what racecar is saying, since (and they sent me a copy of it) the Chase
  11. ok first, thank you so much for hearing me out, and for the great info, the amount is 14K and change, and I like what you are saying about the contract AND I did pull the credit report and it does show DISPUTED on there for the original CHASE account, so that's awesome news (disputed by me) and then it shows the midland version as the junk buyer. but but but this card is from 2000 and the contract was nOT with chase at all, in fact if i recall, which i truly do not, it changed hands about 4 times, including Washington mutual and maybe Providian? i am really not sure, so do I have to have them
  12. Stillman has not yet filed with the court as far as I know, so I have no complaint to share. I am dealing with them on something with my husband, and they are relentless, this I already know. My question is still just about the validation that has taken them 2 years to send to me, and is detailed above- is that timing/info legally binding? SOL in Michigan STINKS. I really do not know, their papers (again detailed above) seem to indicate fall of '09 help!
  13. Posted Today, 08:54 AM (moving my post over here- sorry for the earlier post, did not know where to go) Thank you in advance for your responses. I am still in the "prove it" stage with this JDB. However, I am dealing with Stillman Law speaking for Midland Funding. (groan) and have read so many posts about all this, I am dizzy. Specifically, I am looking for what I can say back to this: December 2010 got the form letter from Stillman saying that the original creditor is Midland Funding Llc with a visa number as an account in the amount well over 14K. January 2011 sent out my request for val
  14. Thank you in advance for your responses. I am still in the "prove it" stage with this JDB. However, I am dealing with Stillman Law speaking for Midland Funding. (groan) and have read so many posts about all this, I am dizzy. Specifically, I am looking for what I can say back to this: December 2010 got the form letter from Stillman saying that the original creditor is Midland Funding Llc with a visa number as an account in the amount well over 14K. January 2011 sent out my request for validation letter, asking for irrefutable evidence that I owe any money to Midland. I got a receipt for the