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  1. I actually already got it ready to go.... I did it last night after your advice Im going to wait and see what they send back first, but that is the next bullet.
  2. I actually filed a answer..... Answer to complaint : 1. DENIED - The Defendant lacks knowledge or information sufficient to form a belief as to the truth of this information.2. Affirm3. DENIED - This court does not hold personal jurisdiction, as he elects binding, contractual arbitration.4. DENIED - The Defendant lacks knowledge or information sufficient to form a belief as to the truth of this information.5. DENIED - The Defendant lacks knowledge or information sufficient to form a belief as to the truth of this information.6. DENIED - The Defendant lacks knowledge or information sufficient to form a belief as to the truth of this information. Affirmative Defense - This court lacks jurisdiction, as Defendant elects private, contractual Arbitration with JAMS to resolve this dispute. but let them know at the same time I planed on using JAMS as my defense So maybe they will drop it...if they dont i can always fall back on the appeal if it goes that far. Thanks so much for all the info. I will post the outcome.
  3. This is the only agreement I see from them dated 2014. Is this the one I would file with the motion ? my account was alot 2001
  4. @Coffee_before_tea Im reading about the affirmative defenses but i know know if I need to file a defense with my answers or just wait in Arkansas
  5. I am not prepared at all I thought the lawyer had something for sure...they was ready to sue if she was a VA Lawyer and they could not find her listed in the arkansas bar, but today they called and she is listed. Im hoping for someone to show me what i need to even file the answer @Jimmy E @ScrapHappy I will work on finding how to file tonight. Little stressed out right now
  6. OK I guess the lawyer thought he had something.... The lawyer from VA was not listed under the arkansas bar, but she is listed under her married name so thats out the water. Meanwhile he says he can not take the case unless I hire him Since he has no counter suit. I need to have the complaint answer like today or tomorrow...the 6th...holy f*ck I need some advice fast so I can at least file a answer by tomorrow
  7. I have a lawyer....and he has found a few other things I can not post about them at the moment but will share after its said and done
  8. Thanks for all the info so far.... After reading around and advice here. I think my first stop will be contacting a consumer law firm, just to see what they say. I will 100% report back until this is finished so it can help anyone in the future. Thanks for all the info
  9. I thought once they charged it off they could not add interest or other fees. Im pretty green to all of this but keep learning Anybody have any advice on what i need to do this week ? Or what i should be studying
  10. That is the date they keep changing ... date major delinquency first reported
  11. Here are 2 screenshots of equifax with walmart and PRA. PRA Keeps changing the dates around to make it look newer And walmart shows it as a charge-off for a lot less.
  12. Hello... I just got served last night and still nervous as a jay bird. Any help is appreciated 1. Who is the named plaintiff in the suit? Portfolio Recovery Associates, LLC 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Portfolio Recovery Associates, LLC Jennifer P Sanders 120 Corporate Blvd Norfolk, Va 23502 3. How much are you being sued for? $4249 4. Who is the original creditor? (if not the Plaintiff) Synchrony Bank / Walmart 5. How do you know you are being sued? (You were served, right?) Right...served at home 6. How were you served? (Mail, In person, Notice on door) In person at front door 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 sued? None that stand out...I normally dont talk to them...maybe a few letters and hang up phone calls 9. What state and county do you live in? Arkansas and Greene County 10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) May 2013 11. What is the SOL on the debt? To find out: 3 to 5 years 12. What is the status of your case? Suit served? Motions filed? You can find this by a) calling the court or looking it up online (many states have this information posted - when you find the online court site, search by case number or your name). Just got served last night 13. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) Couple of months ago I disputed it with equifax. Somehow they confirmed it without showing anything and equifax wont help. 14. Did you request debt validation before the suit was filed? Note: if you haven't sent a debt validation request, don't bother doing this now - it's too late. No 15. How long do you have to respond to the suit? (This should be in your paperwork). If you don't respond to the lawsuit notice you will lose automatically. In 99% of the cases, they will require you to answer the summons, and each point they are claiming. We need to know what the "charges" are. Please post what they are claiming. Did you receive an interrogatory (questionnaire) regarding the lawsuit? 30 days. They sent a summons with 6 pages attached....I will upload scans for viewing 16. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits. Summons, complaint, Affidavit, Bill of sale, Status report for civil relief act and last statement