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About gettingoutofdebt

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  1. From what I'm reading, it looks like my state, Missouri, does NOT allow filing a MTC arbitration in lieu of an answer. So what does that mean for me? What is my next step? Do I still file the MTC, just with an answer? What is my answer? I'm so lost. :/ My date to appear is January 26th so I want to get this done ASAP, if there is still anything I need to do before then.
  2. I just called the court clerk to ask about filing a MTC in lieu of an answer and she said, "I don't know. You can file whatever you'd like." Soooo...that's not helpful. How do I find that answer without contacting a lawyer?
  3. Thanks! I swear before you had included a link with all of that information about the JAMS stuff but I'm not finding it now. Any chance you could reshare it?
  4. How can they not prove it? You really think if I request arbitration that they'll just throw in the towel?
  5. Have any of you been sued by Cavalry, filed a motion requesting arbitration, and won?
  6. Or is that part of the "We WILL pay your arbitration fees if you ask" from the card agreement?
  7. Thanks! I'm a little confused by the JAMS demand form... The filing fee is $1,200. Do I need to pay that?
  8. Page 5 is where it states the arbitration clause. This is from carecredit's site. I signed up in 2012, but this is from 2014... Do you think this will work? Is this what I need to include as exhibit A?
  9. I can't find my carecredit user agreement anywhere. I just requested the user agreement from my account when I signed up from their website, but it said it could take up to 30 days. That's more time than when I'm supposed to appear in court. If I call, will I get that information faster? Or should I avoid calling at this point?
  10. Thank you all very much. I just got served... blah. My date to appear is 1/26. Do I have enough time to do all of this before then?
  11. Thank you so much!! I'm a little confused, though...Do I send this to the law firm that is working with Synchrony? Or the Court Clerk? I have not yet been served, so do I have to wait till I've actually been served to send this, or can I do it now?
  12. It doesn't. It does show that it is Charged off but does not show when. So, I guess now I'm just waiting to be served, right? What will I need to do once that finally happens? How long usually until that happens after the suit has been filed?
  13. Through my annual credit report, I was able to find the date of 1st delinquency was 05/2013, but was not able to find the last payment date. Does SOL start with the last payment, or 1st delinquency?
  14. Thank you so much for your help. I called the Court Clerk's office and she told me everything that she had available. She said that they have not claimed that I've been served yet, but that I will be. It also was not Target like I had assumed. It was a carecredit card, which is through GE Capital, which is now Synchrony. The SOL in MO is 5 years.