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Everything posted by concernedinny

  1. I filed my response to bring served back in September via certified return receipt. Both the court and Calvary received it but I haven't heard a peep since. What do I do? I don't want to stir the pot but if I can get it tossed out because no one responded, that would be awesome.
  2. Mine doesn't have a section that states what is subject to arbitration. There's nothing similar to what you've written. It's rather vague (in the agreement) IMHO. It's attached I just being dense? creditcardagreement_11253.pdf
  3. I'm in the 3rd... I'm working on my full denial and request for arbitration today. I have the example above (thanks debt zapper) but that language does not match anything in the agreement for the card that this is. Attached is my agreement that I've retrieved. Can someone please help? (Not that everyone hasn't done a TON already - thank you, this site has been a Godsend) creditcardagreement_11253.pdf
  4. They did not even include 1 or 3...just 2 and it was the affidavit that they included as their original filing. Would it be worth mentioning that in my response to request arbitration - I mean, I wonder if they can even produce it?
  5. I'm not, unfortunately. I live in Upstate NY. I would love to. I am upstate, however... I did do a consult with an attorney and he said that for the "small amount" be requested, that it would be cheaper in the long run to settle out or attempt to speak with the firm myself. I am waiting on a second consultation with a different firm to see what they have to say. I have an arbitration 'response' prepared in case that's what he recommends. I appreciate all of the feedback. I just want this handled and done and what I've been able to find is that for the amount being requested an
  6. I don't...and to be honest, I would have expected that they would have to show me some sort of proof that they hold the debt legally/lawfully. Where would I get the agreement? They haven't sent me anything other than what I posted :-\ Thank you...I'll review that now. I appreciate the help. I just don't understand how they can file some random suit without proof to back it up. If I tried to submit a case like that at work, I'd be laughed out of court! (police department)
  7. I was served a "Consumer Credit Transaction" on the 19th of August. In it, it indicates that I am "summoned and required to serve upon plaintiff's attorney an answer to this complaint in this action within twenty days after the service of this summons, exclusive of the day of service..." The attorney is out of Schachter Portnoy LLC in Valhalla NY and it says that the plaintiff is "Cavalry SPV I, LLC, AS ASSIGNEE OF SYNCHRONY BANK" Page 2, which contains the "VERIFIED COMPLAINT" states in part: "1. That at all times hereinafter mentioned, plaintiff, CAVALRY SPV I, LLC, is a limited li