logika

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About logika

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    Illinois
  1. I have another kind of related question for the members. Due to serious illness and debt, I defaulted on more loans, CCs and medical bills. More lawsuits are to follow. I am doing much better health wise and am planning to relocate to San Diego for a job offered by a close family friend, making pretty decent money (45,000 / annually + health insurance), I will also have free housing for a 1 year. These lawsuits will pile up, I will see if I can make payment arrangements but this job doesn't start until May 15th, therefore I don't know if I will get sued in the meantime and I am not sure how I can attend the lawsuits in Chicago area if I will be working in CA. I also cannot file for BK until 2019 as I was already in Chapter 7 due to family crisis in 2008 and being forced into BK by family who I was heavily co-signed with (high limit CCs, business rental lease, mortgage). I am mostly worried about bench warrants....I have heard people getting arrested for not being able to attend court dates. Especially for shady Payday loan services, which I do have 1 loan with... Any additional advise here?
  2. I want to thank everyone for your help on this issue. It means the world to me. I have been beaten so bad by illness and debt.....and having help from strangers is an immense boost to my depression.
  3. I just tried, my password didn't work, I did reset and the reset e-mail never came. I checked SPAM. I cannot login to my account online. I checked all e-mails and nothing in email contains the contract. Would reaching out to Lending Club in any way jeopardize my chances of winning this? I know it is a stupid question.
  4. Here is the thing. They never called me (my number on application and overall has been the same for 10 years) or mailed me. I have nothing. This lawsuit came as complete surprise and I only learned about it from the mailers that Attorneys sent to me saying "You are being sued, here is our info line to help" I did move about 6 months ago but I updated my address everywhere, at the DMV, at the post office. Also, they filled the case at the courthouse that is next to my current house. So they must have my proper address etc. Here is the copy of my edocket.
  5. Awesome, thank you so much! How would I request, file or whatever for that arbitration? I have been served yet but it shows on edocket, SUMMONS ISSUED AND RETURNABLE. Already have date 04/05 but then there is a date (CALL ON STATUS) on 05/02. What should I do, hiring an attorney, I can't do it because I am literally broke barely surviving. But I want to make sure I do the right steps.
  6. I see many cases with VELOCITY /Blitt & Gaines end with CASE DISMISSED WITHOUT PREJUDICE -ALLOWED . What does it mean and how do people achieve that?
  7. I see, thank you so much for your help Cliff. Where do you think I could obtain that? Is it something I will get once served with court summons? I heard Blitt & Gaines are very shady and falsify documents in many cases. What should my next step of action be? Please advice
  8. Found this on Lending Club website: (c) The party initiating arbitration shall do so with the American Arbitration Association (the "AAA") or JAMS. The arbitration shall be conducted according to, and the location of the arbitration shall be determined in accordance with, the rules and policies of the administrator selected, except to the extent the rules conflict with this Arbitration Provision or any countervailing law. In the case of a conflict between the rules and policies of the administrator and this Arbitration Provision, this Arbitration Provision shall control, subject to countervailing law, unless all parties to the arbitration consent to have the rules and policies of the administrator apply.
  9. Thank you! Since I don't have the copy of the docs nor access to the website, how could I obtain the copy of such information without hurting my chances of "winning the case"
  10. Forgive my lack of knowledge. I don't have the loan documents nor access to the website since my debt has been long sold. Also, could you clarify about AAA and JAMS and how it will impact my case? Thank you so much.
  11. Lending Club, everything was "signed" online. I don't have any card agreement or anything of that sort. I never even signed anything, just applied online and got the money. I never got a copy of anything. Thanks again for your help.
  12. 1. Who is suing you? VELOCITY INVESTMENTS, LLC (Using Blitt & Gaines P C for Plaintiff) 2. For how much? $3998 (principal), $249.00 (Court Cost) 3. Who is the original creditor? Lending Club 4. How do you know you are being sued? Received mailers about getting attorney help and found e Docket in Illinois Clerk website 5. How were you served? Were you served? Initial Contact was Letter in mail with delivery confirmation Not served yet, but on the eDocket it says: SUMMONS ISSUED AND RETURNABLE, CASE SET ON STATUS CALL 05/02 6. What was your correspondence (if any) with the people suing you before you think you were being sued? None. Knew nothing about them prior to this. 7. Where do you live? ILLINOIS 8. When is the last time you paid on this account? 07/01/15 to Lending Club 9. What is the status of your case (if anything has been opened)? You can find this by a) calling the court or looking it up online (many states have this information posted daily). Case set on Status Call 05/02 even though it shows another court date under Complaint Filed 04/02 and activity date 03/01 - 03/02 10. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) No 11. Did you request debt validation before the suit was filed? If not, don't bother doing this now. No 12. Does your summons require a response in writing? (Look hard!) If you don't get a questionnaire with your summons, you are still probably required to answer it in writing. 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? I haven't received the summons yet. 13. What evidence did they send with the summons? An affadavit? A statement from the OC? Anything else they attached as exhibits? Don't have that information yet, but want to prepare myself as much as possible. I fell very ill for 6 months and lost my good job, already in debt about 60K, accumulated another 40K in treatments due to loss of insurance. Bankruptcy is not an option until 2019 because I was already in Chapter 7 due to being a co-signer on a mortgage and credit cards with my parents when 2007 financial crisis hit and we lost our business and home. I am also wondering if it makes sense to fight this as more lawsuits will come and I will get buried anyways....please help!