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About buckiB

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  1. Okay.. Just got service via regular mail service. Can anyone direct me as to a good reply to the summons to delay ... ? Does BOA CC agreements have arbitration? Is that our best option to attempt a settlement or with the attorney directly ?

  2. Thank YOU. I am considering the BK option, reviewing attorneys to consult. Can you help or direct me to a reply to the summons to prepare. - Lets say I am considering settlement, how would I proceed and prepare the reply ?
  3. Okay ... Just spoke with Clerks office ... she stated there has been no POS. They will need to issue it ordinary mail. And once that happens, we have 28 days from that day to respond? She stated that the certified mail has yet to be returned from the Post Office.
  4. The filing was on 9/19 - clerks office says start date is the 9/20. They advised that we have 28 days to respond. Don't want to allow a default judgement. From what I've been reading it looks like its hard to get original creditor suit dismissed, so how do we reply ? To arbitrate ? Or to settle? Thinking further ... Last year we had a suit dismissed with PRA - for wrong venue. And we have 3 chase accounts we haven't addressed, they are with collections (been sold to several different agencies). I don't think chase will pursue, but PRA or anyone else, plus this BOA card ... I don'
  5. The complaint in only listed in his name. - They didn't include me on the filing. It is addressed to him, at my address (different county than where he is) - with his parents. He has not been served, anywhere, certified or otherwise. We only knew because of a Attorney offering services sent a letter about the filing. The last page states : INSTRUCTIONS TO CLERK FOR SERVICE OF SUMMONS BY ORDINARY MAIL IF CERTIFIED MAIL IS RETURNED MARKED UNCLAIMED. IF SERVICE OF PROCESS BY CERTIFIED MAIL IS RETURNED BY THE POSTAL AUTHORITIES WITH AN ENDORSEMENT OF "REFUSED" OR "UMCL
  6. URGENT ... was notified Friday by an solicitation letter from an attorney of a lawsuit filed by BOA on a defaulted CC ... MUST reply MONDAY ... Please help with reply! 1- This account is in my husbands name and we separated 18 months ago. I'm in Fairfield county, but he is in Franklin. Summons Complaint was filed in Fairfield County. There is no proof of the debt attached as in a signed agreement, etc ? ..... Any options you can offer GREATLY appreciated ! If you are inquiring about a lawsuit in which you are the defendant (ie you are being sued), you need to answer the f
  7. Hello ! Update .... and thank you ALL for your time and shared knowledge to assist me ... quite refreshingly helpful ! We had been waiting since I filed motion to dismiss for improper venue. Received a notice of hearing set for today. Called the clerks office to discuss, and was told the case was dismissed on 06/12, but I was never notified, never received anything ??? Verified on the courts docket, shows dismissed. Further I checked my resident and correct county and there has not been as of yet a new filing. Further, I spoke with a consumer law attorney who advised that basically with the c
  8. If you are inquiring about a lawsuit in which you are the defendant (ie you are being sued), you need to answer the following questions (as much as possible): 1. Who is the named plaintiff in the suit? 2. What is the name of the law firm handling the suit. PORTFOLIO RECOVERY ASSOCIATES 3. How much are you being sued for? $4842 4. Who is the original creditor? CITIBANK (Sears) 5. How do you know you are being sued? CERTIFIED MAIL SERVICE 6. How were you served? CERTIFIED MAIL SERVICE 7. Was the service legal as required by your state? NOT SURE Process Service Requirements by State - Summons Com
  9. Thanks ... I've been an hour or more trying to do it ... Ill get my old lappy out and try ...
  10. Thanks very much! Im trying to copy and post the Q&A link you posted ... not working for me just yet, but I'm trying! Ok ... I can't get it to paste here ... Help ??? I copied from your link to paste and reply, but it doesn't show up when I select to reply ?
  11. The "address" we were served via certified mail, was correct, is our address .. However, the county they filed the case for complaint is NOT correct. What is NACA and FDCPA ? Thank you for your time and reply!
  12. I apologize in advance if proper procedure to post for help isn't followed ... After researching so many forums, I'm quite lost. So here goes ... We currently have several credit cards that are in default approximately 18 months. Really wanted to not do a BK, but looking into it just in case. Had wanted to settle the debts. but with different creditors, sold to multiple JDB, this is well, overwhelming! Recently was served notice of request for judgement from Portfolio Recovery Associates for a Citibank/Sears account. 1- filing was not in proper county of residence against us. - As such, we