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KingJames's Achievements

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  1. Trying to find a good lawyer to defend me against Hanna and Associates/ Midland on the south side of Atlanta. Any suggestions?

    1. KingJames


      Hi Abbey, sorry I'm just responding to your comment.  I haven't been on here in a while.  I hope everything worked out for you.  To answer your question, no I don't.  I defended myself and won so I stir away from attorneys.  In my opinion they're unnecessary.  Hope everything worked out for you!

  2. But that's all a waste of time anyway. Like I told you before, this is a chess match! They don't want to fight because they have nothing to fight with. They don't even bring a butter knife to a gun fight. These JDB have nothing to stand on as long as you don't play into their hands. They give you a rope to hang yourself. The affidavit is a scare tactic. You've shutdown their strongest piece of evidence, the BOS. That's all they have to state a claim but it has nothing because the OC can't give that info. No worries my friend just stay vigilant!
  3. It doesn't effect your case. That employee has NEVER worked for the original creditor therefore has NO PERSONAL KNOWLEDGE. I can go get an affidavit claiming I have personal knowledge if you sold me a debt owed to you. The reality is I don't have personal knowledge because I never personally handle your debt. I wasn't present when the original contract was signed. If I purchase that debt I bought it at my own risk. The personal knowledge they claim is hearsay and they can not testify on it! They'll attach an affidavit since the courts changed the rules making it easier by not requiring someone to be present in court to testify on the account. Before the change, they were bringing an employee from the JDB office claiming to handle the account personally. I repeat, they were bringing JDB employees not OC employees to testify on the account. If they brought OC employees we have a different story. Once the OC sold the debt they washed their hands and wanted nothing further to do with the account. It's laughable because you can kill their credibility by asking 2 questions. 1) When was this account first opened? 2) When did you start handling the account? So if the account was opened in 2007 and you didn't begin managing the account until 2011 how can you speak on the validity of the account? What happened to the 4 years before you purchased the account? You can't authenticate the account because you didn't manage it. Done deal! Go figure, that's why at the bottom of the BOS it say's can't authenticate the validity of the sale!
  4. Hi, sorry for the late response. I've been extremely busy. Looks like you have a situation of inner conscious eating you up. Well, you pretty much answered your question. If you feel you owe it and don't want to be "dishonest" then accept the debt or settle. This response was in regards to the little angel on your left shoulder . Now, I'll thump him off! Here's the deal, that debt you "allegedly" owe was written off by the original creditor. Let me repeat that, that debt is no longer on their books. It's written off in which they filed it as a loss on their taxes. They lost nothing. I would love to go into a rant about the Federal Reserve Cartel and how credit is a facade but my fingers can only entertain a subject about trash for so long. Here's the hustle, the junk debt buyer bought this garbage for pennies on the dollar with the chances of a lottery player hoping you will claim it as yours or not answering the summons. You've done the first part by answering (and hopefully denying requesting strict proof) now just finish the deal by showing up to court. Let me clear your conscious, you don't owe them jack unless they can prove they own the debt. They can't prove it so you don't owe them(.) When is your court date? I understand your nervous and you think the judge is going to hammer you for perjury. Take a deep breather because 9/10 chances it won't make it that far.... But, if that 10% chance (and I say that to be politically correct) you do have to face the judge occurs just attack the lack of evidence... Bill of sale is trash... no acct number, no name, no attachment, and disclaimer questioning the validity of sale... The judge has seen this story over and over. The only difference between you and many others is you're doing your research. I watch countless individuals settle and if they did deny the debt they didn't follow court procedure so they lost. You'll be okay just stay on it. The attorney will bring you into a room so just shoot the crap with him/her... They'll act like your best friend until they read your answer then say, "so you answered this isn't your debt?" "Did you live at (your address)?" "Is your name (your name)?" Then they will pull out that good old account statement that you already received and say, "Well how is this not your debt?"............ They might (which I doubt) show you a spreadsheet with your "alleged" info. You just stick to your guns "I don't recall this debt!" "I'm sorry I just don't recollect that account!".. The attorney will turned red huffing and puffing and tell you "you can go back in the court room." About an hour later the bailiff will call your name and give you a withdrawal letter but of course it will say without prejudice. The junk debt buyer will sell your debt to another rat who will harass you for your cheese. I've been down this block 4 times already (one being a state case) on different debt cases. I don't know why they love to sue me but oh well. I take the same approach and haven't lost yet. I haven't been sued in about a year now so I think they got the point. I know my stuff because I've done what you're doing.... research! Keep me posted and if you need any help feel free to shoot me a line... Good luck and always always always keep the faith! God bless!
  5. I'm sorry to hear that my friend. Yeah, not going to view the records will allow the those into evidence. I thought i informed you of that in an earlier post. You do have your appeal in a real court which means you have to work now. File your appeal asap so you can begin discovery. That affidavit won't hold in state court once you request it in discovery. But you must have a legitimate argument against the affidavit. You do have one you just need to know how to argue it. Be mindful this won't be as easy as magistrate. You must work! I repeat you must work!
  6. Paste your answer so i can look at it and make sure you used the correct format. When is your answer do?
  7. Make sure you list your affirmative defenses. If you don't use them you lose them. You can't just deny without affirmative defenses and expect to win. You need a defense on why you're denying the debt.
  8. For complaint 3 and 4 you can just simply deny or you can say defendant is without knowledge or information sufficient to form a belief as to the truth of an averment therefore denies. I out right denied their claims in my first suit and used defendant is without knowledge in my second and third suits. It's up to you but just know if you out right deny and the plaintiff pulls a contract with your signature (slim chance) the judge won't be happy. Affirmative Defenses Fails to state claim in which relief can be granted (this is your bread and butter defense) check this website out for more affirmative defenses http://www.scribd.com/doc/51607569/06-12-2010-Defendants-Answer-With-Counterclaim-Midland-v-Sheridan
  9. I think somebody found their brain! The heavens are shining upon you! You finally crossed back over to the light. It's just that simple. File the answer. It's not complicated. We're not building the Great Wall of China.
  10. I don't have anything to prove to you. Keep making your commission off manipulating the masses. I have no problem uploading my dismissals. What can you show the people besides retainer fees! Go start your own thread already.
  11. It's affirmative defenses. It's what the courts allow you use to support your defense. I know we are off subject do to some HECKLERS but anyway if you list their complaints it will help.
  12. What's your resume telling us? Nothing! You can't tell anyone how to do it if you haven't been through it. Let me reiterate, "you seem tense, go have a glass of wine and catch a romantic comedy..
  13. You're still at it I see. Weren't you reprimanded already? Knock it off already! I can't speak on just knowledge but experience too. Call it luck if you want but 3 out 3 (three different law firms and none where Hana) seems pretty efficient. Might I add my sample answer has helped other defendants win! Enough with your slander tactics I'm here to help people not ridicule them. Vanish with your negativity
  14. It was actually Dekalb and I won 3 cases including a state. True you encounter different situations but the same applies under state law. 3 for 3 is pretty efficient so I'll place my bets with myself. Are you from GA? Have you defended any suites in GA?
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