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About RescueToaster

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  1. It looked wrong when first reading it, but I have to admit I it twice @janus I appreciate your attempt to help, but it appears you're a bit misinformed with what you should be doing. If you're really going through something like I am, I think you need to get some help so you don't put yourself in a bad position to deal with. Good luck with everything!
  2. I plan on going in to VLN some time this week if possible (they have very small windows of availability) I also have had a lawyer help me with a few issues in my past that I was considering calling up just to see what he thinks. Hell, I might as well call the UMN Law School as well. I'm hoping that they can point me to new resources if they themselves can't help out. @WhoCares1000 Is there anything in particular I would be looking for with my bank statements? Payments from my old bank account (which I haven't had for close to 3 years now) towards the account that Midland now claims to ow
  3. Apparently, VLN is only open on Monday, Wednesday and Thursday from 9am to 1pm, so I'm going to try that tomorrow, I'd be a happy man if I could score someone to back me up in person through this. I'm fairly certain that I do not have any old bank account or credit card statements anymore, is that going to negatively effect me? I've moved twice within the past 2 years and I lost quite a lot during the moving's I'll start on that AAA form tonight, doesn't hurt to have it ready I suppose! It would be interesting if some of those people didn't actually exist on those affidavits.. T
  4. Sorry for the late response as usual, had family over for a long Memorial weekend and had to house and entertain them. So far I've gotten pretty much every document together and have been reading up on Arbitration and the AAA, it would certainly be nice if I could push the bill on Midland. @WhoCares1000 I will have to borrow money from family if it comes to that.. I tend to brood when I know I owe someone money, especially banks. I haven't heard back from VLN yet, I assume they must have been on break through the holiday or are swamped. I'm thinking at the very least I might want so
  5. Apologies, I'll take those down and rotate them. I didn't even think about that, I was sort of in auto pilot panic mode at the time. (They are now properly displayed to the benefit of neck health!) I have to tell you all that I appreciate this help from everyone, I still have problems sleeping but I'm regaining a bit of comfort every day. This is definitely not healthy for someone in recovery hah I have to ask, when dealing with Citibank, before they apparently sold my account to whoever else, I had spoken with a lady in their collection department and told them I was in treatment an
  6. Thank you for the prompt reply. I called them today and they said they would extend the discovery period by 30 days, so hopefully that's ample time for me haha They did attach a 9 page card agreement with what they mailed me that mentions something about arbitration, I'll just attach that so you can have a look. Honestly, I understand the words but the words put together come up as jibberish in my head :/ I'm curious, have you heard anything about the Volunteer Lawyers Network in MN ( )? I was going to call them for just some general help but they must have closed
  7. Sorry for the late response, but yes I did get the green card back which I'm holding onto. About 2 days ago I received a packet (sent to 'Jeffery', which is my name misspelled) from Midland with a response (which they sent via first class mail, not certified). I'm not sure if there are any documents I should upload, but I'm just going to go ahead and scan everything anyway. It's 3 packets stapled together, The first one saying I have 3 options: 1: I have 14 days to call them to work out a discovery plan. 2: I can mail them my contact information to set up a discovery plan.
  8. Well so far I haven't heard anything back from them, but I didn't expect to right away. I've done everything recommended, I just need to research up on the discovery process some more. I'll keep you in the loop when I do hear from them though, hopefully it isn't any time soon!
  9. Well, I panicked and just went with only denying the single paragraph.. I hope that doesn't negatively effect this too much. It just made sense to me to say I didn't have enough evidence over flat out denying it, but now that is making more sense to have denied it now. Is it possible to send a second answer? And I have been reading about 'Discovery' a tad lately, going to need to go over it a lot more of course, but I sort of understand it. From what it sounded like I'll have to provide documents / information that THEY ask for?
  10. Thank you so much as always, I'm filling it out now and I'll attach a scan of the form later if you'd like to look over it. I'm deciding against pestering them with some of those defenses though I may choose an affirmative defense later on if more comes of it. I've decided I'll just write that their paragraph 1 is true (my name and address) and that I have no evidence to support any other paragraphs of theirs (section 4) except paragraph 7, because that's the truth. I'm going to deny their paragraph 7 because it seems to say that Midland has provided me with the proper forms / evid
  11. Hello again, I've put it off for a while but I still have a few days to get this in the mail and I just wanted to ask a few questions before I fill out the form and have it sent out. I might ask some simple questions but it's just to make sure I have everything just right. So to begin, I'm guessing I want to print this form out twice and fill it out by hand? Or can I fill most of it out with a word processor? I'm also guessing I don't need to fill out the judicial district and all of that information yet (as I don't have it) ? I'm just using this form as a template right
  12. Thank you very much for your reply. I feel like I have a decent grasp on what to do next. I meant to respond earlier but I've had family over and it's been chaos. I don't necessarily want to fight paying a debt I owe, my issue here is I don't know that I owe these people anything let alone how much I actually do owe the people I do actually owe, which I think is the case of these defenses against them, right? Also, this just all seems so crazy to me. What if my dad accepted that summons but I wasn't living here and never heard of it? I'd have a case defaulted against me even though
  13. Hi there, thank you for taking the time to check this out, Last week I received a 'summons' from Midland Funding LLC by a courier for a debt they say I owe them. Just today they sent another copy of the 'summons' in a letter that came through the mail (USPS). After quite a few Google searches which linked me to a lot of posts on this forum I decided to start my own thread since I believe my issue may be a bit different than the others I've read through. If it isn't something totally 'new', I apologize but I could use help still! Some more of the story: Last week (Ap