StacieM

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About StacieM

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    Brooklyn, NY
  1. @BV80 I just finished looking at some of the correspondence. I recieved a pre-legal notice and the follow up letter directly from the JDC which states the following: Current owner: JDC Name Original Creditor: Citibank Shortly after, I received a letter from the JDC's law firm notifying me that the my account has been placed in their office for collection...it goes on to say they were essentially giving me 30 days to dispute the validity of the debt. This letter has the same account number as JDC but a lesser balance although there wasn't a settlement offer included anywhere. It reads: Re - JDC Name AS PURCHASER OF AN ACCOUNT ORIGINALLY OWNED BY CITIBANK (in cap locks) Our Clients NYC DCA License # (which comes up as the JDC) I think its worthy to note that I don't see the law firms license number anywhere. Not sure if law firms need to supply one when collecting a debt on their clients behalf.
  2. @debtzapper @shellieh98 @CCRP626 Ok I've decided to go pro se on this one. After speaking with staff in the office, I've learned that the JDC and the OC was named as the plaintiff and I've been told this is illegal. What does this mean for me and how should I proceed? To be clear it shows on my credit report as "purchased by another lender" and the JDC clearly states who the current owner is and who was the former owner.
  3. Wow, you all are so amazing. I thank you all from the bottom of my heart! @debtzapper I've contacted the firm you listed, though I am waiting to hear back from them. Do you know for sure if they will take my case on contingency? @CCRP626 Thank you for the additional information regarding the statute of limitations. @NYS of Mind Thanks you for the advice. I am going to consult a lawyer just to be careful. @shellieh98 Thank you for the very informative link!
  4. @CCRP626 Thanks will do! @debtzapper Great site! Thanks for the link!
  5. @CCRP626 I do not see anything about a Uniform Commercial Code in the card agreement. Does this change the nature of the SOL? @debtzapper Thanks so much for the helpful suggestions!
  6. Thank you all very much for your prompt response! @CCRP626 The Plaintiff is indeed a JDC. I was served last week and I wanted to know how to answer and if I should counterclaim since the debt is over 4 years and 1 month old. With that being said, how should I phrase my answer if I want to counterclaim ? Also, should I just get an attorney to handle this case if I counterclaim?
  7. My question involves collection proceedings in the State of: New York On the nycourts website it states "The statute of limitations on a store credit card (like a Macys card) is 4 years". I had a sears store card (not a visa. etc) . Does this apply to me? https://www.nycourts.gov/courts/nyc/civil/consumercredit.shtml Thanks
  8. Ok I'm back. I have a copy and it says that it was a nail and mail and confirmed by a neighbor who doesn't even exist. They are also being represented by Cohen and Slamowitz. The judgment was filed last year. What do I do now?
  9. I have a default money judgment against me from midland funding at civil court in NY, however I was never served because they used my old address. Now I've received a letter from my bank stating they are going to allow the plaintiff to garnish my bank account in 20 days. 1. What do I ask for in my order to show cause? 2. I was advised to file a stay enforcement. What is this? 3. When and how can I ask for proof from the plaintiff? Any advice will be appreciated.