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About zebra19

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  1. Nascar- I have a question about judgements- if I get a judgement against me -it would not be collectable because my only income is SSDI-but what happens in the future when I have non-SSDI income/assets. I was hoping maybe they would settle for smaller amount now rather than waiting for unknown amount of time until I return to work or get my inheritance which should be more than or close to the full amount of debt owed- Thank you for your time
  2. I would. If you admit that the account is yours it is down hill there to a motion for summary judgment because how do you explain defaulting and why you are being sued? I really appreciate your help- I am hoping they will settle with me -I dont think I have any arguments that would be compelling at trial- I got sick-ran up debt-once this one was charged-off, I made the bad decision to focus on doing what I could with my other creditor -I was surprised that they filed without contacting me again- it has been over two years since last letter from debt collector on this debt.
  3. Thank you Clydesmom- I have a couple of follow up questions noted below your text Unless your state requires it be included then it isn't helpful. The problem in a case like this is they don't need an affidavit and BoA can attest to their own records. The merely need to show you opened the account, used it, made payment(s), then stopped. Statements alone can do that. Does it matter that the complaint says that there is a copy of the last statement attached but none is attached (to my copy nor the one filed in court)? My opinion: BAD plan in an OC lawsuit. Deny everyt
  4. I am on currently on disability. I have a B of A credit card debt ($11K) that was charged off three years ago--before I had been awarded my disability. I have not heard anything from that creditor in over two years. Last week I received a summons/complaint from a law firm (Howard Lee Schiff) on behalf of the original creditor suing me for the debt. I live in RI -the case was filed in Superior Court. I thought the debt had gone to collection because I had received letters from collection agencies prior to and shortly after charge off- I just checked my credit report and it is not showing it