AgainstJDB

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About AgainstJDB

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  1. Both the OC and CA are required to investigate consumers' disputes regardless of the nuances in the regulations. Cavalry has just been slapped $175,000 fine for failing to respond to consumers' disputes. I mentioned that fact on my CFPB complaint and Cavalry CA was removed from my CR really quick. My philosophy on JDB is that I will never pay money to an entity that's never given me a dime in the first place.
  2. In small claims court a Sworn Denial is a powerful weapon against frivolous lawsuits filed by JDBs. You deny by telling JDB's lawyer I have no Knowledge, I don't know what you're talking about and that's the end of the bogus case. Because they simply do not have the kind of proof that would stand in the court of law. Remember they allegedly bought data list that might have had your name but they did NOT buy a debt that you might have had with ANYBODY especially if that debt might have been charged off and closed by the alleged OC. I will never pay a dollar to a JDB as long as I live. As far as your case do not be intimidated by the judge or the JDB's lawyer. Be calm and polite, Deny by claiming lack of knowledge and ask for COMPLETE evidence and you will win. They won't even be a trial. I did win against Junkland Funding in Georgia by doing just that.
  3. @AZ Piano Lady, Thank you for your input. That would be bold to deny anything from Chase but I can see how it might work. WAMU CC issued in 2007. Chase took over in 2010. Made a few payments and could no longer by Nov 2010. Last March requested DV from Chase. It said account sold to Hilco(not Equable, mind you) and It has nothing to do with it and any questions should be referred to Hilco. But Hilco has never contacted me. Equable claims they bought debt and debt was assigned to them. Equable says they merged with Hilco in 2009 but in 2014 Chase is still referring me to Hilco. Now Junkland is after me claiming Equable assigned to them. What about WAMU? Complete silence. There is nobody with that "personal Knowledge" except me. Should I offer My "personal knowledge" about WAMU to bust their bogus chain of assignments and chain of custody? Would this amount to admission? My case is in the Magistrate court here in Georgia. Will be held Thursday. So how do I go about introducing a sworn affidavit of denial. Who will be my witness in this case?
  4. @Busymom So based on your experience, without going into specifics, what was your mistake or weakness? who was the plaintiff in your case JDB1 or JDB2 or JDB3 or OC?
  5. Also on the bill of sale the dates and Equable Ascent Financial, LLC are underlined. Which can only mean the document is a after fact one which has been photo-shopped to fit the case. It also appears that it has been signed by the same person. No respectable CFO(other than Jeffrey SKilling) has the time to sign thousands of bogus Bill of Sale. I am sure if I asked for the original document, they will not be able to produce one. Again why is Chase talking about Hilco Financials as recently as April 2014 after I sent it DV when Junkland Funding claims Equable swallowed it since 2009? So Chase doesn't know who it sold the account to? If you search online there is a Hilco still doing "recovery" business even now.
  6. Okay Points taken. I am uploading a bill of sale from Chase to Equable and a affidavit from a robot called Chiahui Mixon(seriously, don't lough) The document clearly shows it's been photo-shopped. The Bill of Sale could have as well been a blank Paper. It doesn't concern me whatsoever. It mentions a transaction with Equable since 2011 but as recently as April Chase says the account has been sold to Hilco Financials, LLC. Here there is a mystery. Junkland sent me a stack of document about a merger between Hilco and Equable as part of their Exhibits and Affidavits. Why did they include this info even though it's irrelevant to the case? Are they aware that Chase referred me to Hilco financial instead of Equable?
  7. Clydesmom, They are hiding the real OC who died. Its not mentioned. No Bill of sale. No affidavit. The whole place WAMU is mentioned(in parenthesis next to Chase) Is on a single computer printout which I guess Chase transferred to them. I feel like bringing WAMU to life to show lack of standing but this might backfire. BV80, Yes I will. I understand a menber here said that a signed contract is not a requirement in credit card cases. What about a signed application bearing my name and signature?
  8. BV80, Okay Thank you. I did some research and now I am exhausted and overwhelmed. I have about five cases tried in Georgia Court of Appeals which I intend to use: Jackson V. Cavalry Portfolio service, Hutto V. CACV of Colorado, Ponder V. CACV of Colorado, Wirth V. CASH, Nyankojo V. North Star Capital. Trial is next Thursday. So I will focus more on Wirth. I hope to be ready by then.
  9. BV80, "This is sort of a technicality. If the plaintiff claimed to have purchased the account from the OC, you could make the argument that there's no bill of sale between the OC and the plaintiff. But the plaintiff made no such allegation in their complaint. They allege that the account was legally assigned to the plaintiff in writing. It could be legally assigned by another assignee (JDB)." Ah!! now were getting somewhere. So I do I dodge that bullet?
  10. BV80 Thank you. Point well taken and that's what I really think. They do not owe the account and I don't owe them. So how do I construct the argument as succinctly as possible without getting lost in legalese? At this point I have been reading posts for a few days including yours in this forum and read a few credit card cases which were lost on lower level but won on appeal: Jackson V. Cavalry Portfolio Services, Hutto, Ponder, Wirth, Nyankojo, etc...Now I am a little confused as to what arguments to incorporate in my situation and how to construct my defense.