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nnye last won the day on February 20 2016

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  1. So i have a small Macys debt that i want to get off of my credit report. I just got the initial letter from the JDB that i need to respond to within 30 days. How can i word my response/ denial of the debt and still offer a pay for delete?? @LawKitty any suggestions?
  2. @JoseRodriguez I was served by PRA in florida, and came on this site just like you did. I couldnt figure out how to do it myself and i hired @LawKitty, she does a free consultation and then lets you make payments. The same day that she signed into the electronic court system and responded to the suit, within 4 hours PRA had dropped the suit and agreed to have it taken off my credit report. At the very minimum i highly suggest reaching out to her. Good luck!
  3. Thank you for that response. I actually hires @LawKitty and the same day she respondedto the suit PRA dismisd with prejudice, agreed to remove from cra's, and will not resell the debt!! @LawKitty for the win !!!
  4. I originally posted on this site for help in responding to a summons from PRA (regarding a 6k Citibank debt), however living in FL and not knowing the law i was excited to retain @LawKitty . She has been so thorough in explaining everything and being realistic about the possible outcomes of the suit. She allowed me to set up a payment plan!! I made my first payment on saturday, and she got to work on tuesday (monday being a holiday)! Tuesday afternoon she sent me an email with all the info she had submitted to the court electronically. Within HOURS, pra emailed her with a mutual decision. PRA dismissed with prejudice, agreed i would not receive a 1099, the tradeline would be removed from the cra's, and they would not sell the debt or ever attempt to collect on it again!!!!! @LawKitty got me the best possible outcome in less than one day!!! I strongly recommend anyone in FL being sued by the junk debt buyers reach out to her. I honestly thought this process would take months, and that absolutely was not the case. Thank you guys so much for all the help and directing me to @LawKitty.
  5. Ok perfect, i plan to file the motion to dismiss/ petition to compel arbitration. Do i need to cite my specific cc agreement, bc its from 2012 and i cannot find it.
  6. @shellieh98 have you heard of this before??
  7. @shellieh98 it has been filed with the County Court, so Im going to assume that is not small claims. I also thought I read in another post that in Fl you have to file a motion for arbitration and not the answer, and that as soon as you file the answer you have negated your right to arbitration?? I will look for the notice from PRA, do they have to offer proof that they sent it?? And one more thing...Is the reason I push for arbitration (specifically with JAMS) because the cost they would incur to pay for arbitration?? Thanks so much @shellieh98 and @debtzapper you all have been so helpful!!
  8. I am looking up the card agreement, and I have also reached out to @LawKitty. I am feeling more overwhelmed than clueless, this is totally new to me, but I feel like multiple people on this site have been through the exact same thing and succeeded for themselves!! I am very interested in seeing if filing for a motion of dismissal based off of standing is something that would be beneficial to me. I am still looking for a Citibank card agreement for 2013 to see if pushing them to arbitration would cause them to drop it. Any thoughts as far as the motion to dismiss based off of standing??
  9. I honestly have no clue if the assignment was sent, and unfortunately I do not know if Citibank has an arbitration clause either. Im feeling very clueless now.
  10. @LawKitty I see you are the florida expert, any suggestions?
  11. Simply me trying to be greedy and get the derogatory account off of my report. I know that I need to file a response to the complaint, any suggestions?
  12. I have added a scanned copy of the complaint complaint.pdf
  13. I disputed with the credit bureau, and I believe the response I received was something like "debt verified"
  14. Sorry this was not in the correct format Who is the named plaintiff in the suit? Portfolio Recovery a$$ 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Only shows PRA 3. How much are you being sued for? 6k 4. Who is the original creditor? (if not the Plaintiff) Citibank 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 sued? Disputed charges on credit report through CRA 9. What state and county do you live in? Duval, Florida 10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) Summons shows 5-6-13 11. What is the SOL on the debt? To find out: 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). Suit served, no court date in packet 13. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) Disputed PRA in late December, they signed there affidavit shortly after on jan 11 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. I did not directly send to them, I think the CRA did?? 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? 20 days, will post pics of charges, no questionnaire attached. 16. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits. Affidavit, Bill of Sale and Assignment, Copy of Credit Card Statement from OC
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