Chilly Willy

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  1. The letter I received is similar to this one:
  2. Over the past several months I have received several settlement offers on a Chase account from LTD Financial. Chase still owns the account, but has apparently assigned it to LTD for collections. The first few times, the offer was at 30% or more, but I couldn't afford that at the time. Recently, they have came in at 25%, which I may be able to swing due to some outside help... The offer says "settlement in full offer" at the top of the letter, and I will save $XXXX. It also states that I will get a 1099C, and Chase will not do further business with me. I don't know if it's possible to
  3. Sorry I haven't been able to respond. I have been out of town dealing with some family matters and haven't had much of a chance to reply, but I have been keeping up with the replies. The affiant is an employee of Discover Products Inc., a successor by merger to DB Sevicing Corporation, the servicing affiliate of Discover Bank. A motion for summary judgement has been filed, so I assume it's too late for me to really ask for anything... Not that I really plan to fight at this point, I think it's an uphill battle with an OC that I'm bound to lose. I'm seriously looking at ch13, but my wi
  4. Thanks for the replies! I've read through the info provided. I should qualify for head of family. I am married now, but have a son from a previous marriage which is with me part time. My ex and I rotate years claiming him on our taxes, but I pay child support. When working through the calculations for child support, I am responsible for greater than 50% of his support. I believe it was at least 60%, but it was a few years ago.... It would be the same or greater now... Am I interpreting this correctly? In reading through the info on garnishing, I saw that they can also garnish your ot
  5. Yes, the odds are definitely stacked against me... I know my chances of winning are almost zero, but what happens if I lose? Do they have to file another motion if they want to garnish my wages? I had previously been looking at ch.13, but because I recently got married, I had been working with my wife to get her situation straight and take care of a few things before I filed including saving the funds to pay the atty. Then this happens and it's basically forcing my hand before I'm ready. I figure I might as well fight, or do whatever I can to buy a little extra time. I'd like to win, b
  6. Just so it's clear, the Plaintiffs stated they would appear via telephone on the Notice of Hearing. Should I object to that on my objection to MFSJ or on another objection?
  7. Thanks for the replies, and sorry it took me a while to respond. Work gets in the way.... @kutuzov Is this the rule you were referring to? RULE 1.130.ATTACHING COPY OF CAUSE OF ACTION ANDEXHIBITS (a) Instruments Attached. All bonds, notes, bills of exchange, contracts,accounts, or documents upon which action may be brought or defense made, or a copy thereof or a copy of the portions thereof material to the pleadings, shall be incorporated in or attached to the pleading. No papers shall be unnecessarily annexed as exhibits. The pleadings shall contain no unnecessary recitals of deeds,
  8. 1. Who is the named plaintiff in the suit? Discover Bank 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Zakheim & LaVrar 3. How much are you being sued for? $9000 4. Who is the original creditor? (if not the Plaintiff) Same 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 8. What was your correspondence (if any) with the people suing you before you think you were being