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About erikrosy

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    Minneapolis, MN
  1. THANK YOU!!! As I was driving home I thought to myself how dumb of it for me not to include at least Lack of Standing in my Affirmative Defenses as that is what I am gonna hammer them on during discovery (chain of custody, account from zero etc). MN allows up to 50 discovery requests, but I will have to read more on the civil procedure if I have to wait for them to file a court case. I will keep ya posted! from what I have heard Asset as of late has not been pursing those who answer the summons right away (they don't wanna pay the $330 filing fee) that is less than 10k and will more than like
  2. 1. Who is the named plaintiff in the suit? Asset Acceptance 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Merril and Kramer 3. How much are you being sued for? 9k 4. Who is the original creditor? (if not the Plaintiff) Wells Fargo 5. How do you know you are being sued? (You were served, right?) Served 6. How were you served? (Mail, In person, Notice on door) In person 7. Was the service legal as required by your state? YES Process Service Requirements by State - Summons Complaint 8. What was your correspondence (if any) with th
  3. Think I posted this in the wrong forum originally, sorry! So I have spent literally 40 hours + reading all the amazing information on this web form (and a couple others) and decided that I am going to start a thread for those of us in Minnesota (pocket docket cluster F) and my experience in particular with Asset Acceptance as well as to ask the community for some help. Cliffs: Old CC that was paid off, they never closed the account after paid in full Didn't catch til almost $1,800 in fees/non-payment penalties etc racked up Fought with Wells offered to pay debt less interest/fees *($900)