backseatninja

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About backseatninja

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    Michigan
  1. Redacted Version of Answer to Summary/Complaint I had notarized and signed. Header is missing as it largely contains redacted information regarding my case. 1. Jurisdiction and Venue are proper in this court. The Defendant admits this allegation in its entirety The 60th district, has jurisdiction over I -Redacted--- the defendant as I live in -redacted--- County 2. Defendent entered into an agreement with the plaintiff's assinor, SYNCHRONICITY BANK, for an account number ending in (Redacted). The Defendant lacks knowledge of information sufficient to form a belief as to the truth of the allegation, which has the effect of a denial. I do not recall opening said account. I also was a victim of identity theft in late 2014, which was the primary reason I defaulted on other debts at that time. 3. Upon Infomrmation and belief, Defendent has poession of this contract upon which this claim is based The Defendant denies this allegation in its entirety. I do not have a copy of the contract, thus can not be in violation of said contract. One can not assume poession, it is hearsay. 4. The Account Was duly assigned, in the normal course of buisness, to the plantiff. The Defendant lacks knowledge of information sufficient to form a belief as to the truth of the allegation, which has the effect of a denial. Since I do not recall this account I can not respond to that statement with an affirmative or dimissive answer or speculate futher. 5. Plantiff and/or it's assignor completed performence under the terms of its account The Defendant lacks knowledge of information sufficient to form a belief as to the truth of the allegation, which has the effect of a denial. Since I do not recall this account I can not respond to that statement with an affirmative or dimissive answer or speculate futher. 6. Defended Has defaulted under the terms and the condtions of the account by failing to pay as promised The Defendant lacks knowledge of information sufficient to form a belief as to the truth of the allegation, which has the effect of a denial. Since I do not recall this account I can not respond to that statement with an affirmative or dimissive answer or speculate futher. 7. There is presently due and owing the sum of 1366.18. plus costs, and atty fees. The Defendant lacks knowledge of information sufficient to form a belief as to the truth of the allegation, which has the effect of a denial. Again due to many of the aforementioned issues I am unable to have an informed statement based on how the Plantiff Plead the Assignment .The fact I had my identity stolen, the fact that I am bipolar. SSI and is my only income. Thirdly my payee has advised me to ask the court to personaly strike the summons, and complaint from the record and consider a dismissal based on the low standard of evidence, and high amount of hearsay contained in the summons to which I am responding to. Furthermore if anything is in discovery. I ask that it be sent to my home address; on which I was summoned that is: ------Redacted Address------.
  2. Yes I have had legitamate accounts with synchrony in the past, I just have no idea if this was one of them. I know this sounds stupid in retrospect, but one of the main reasons I quit paying on all these cards was people were able to take out other cards in my name then not pay them and ruin my credit score. So ya know being bipolar as heck I'm like why bother. I've always had bigger issues like criminal court to deal with etc. I always figured they can't get blood from a rock or wouldn't even try. Lotta stupid things I "just figured".
  3. I rewrote it and planned to have it signed by a public notary. I took out all hearsay I may have interjected in the passion of writing it. I kept strictly to proveable facts. Facts of which I can prove by documentation or sheer reason.
  4. I wrote a response to the summons. Which I will attach if anyone wants to read it (see attached file). Again they made a claim that I have the contract . I do not as it may of been identity theft (or I lost it) my paypal got hijacked hardcore back in 2011, and my old bank may be able to back that up. If this is not a paypal account I may not be able to use that defense, if it is an account I do recognize should I attack their standing or their claim they lawfully bought this? Do you have any defenses based on Michigan law where they bought an account improperly? Like citations of case law. Another thing is that two JDB's may hold the same account. Cause I think other JDB's may have it. I saved every JDB letter I ever got I have tons some of them make no sense. I know one of my accounts I have owned is owned by two JDB.
  5. Synchorny was the original debt holder I guess they sold it to PCA Aqquisitions. PCA Aqqusitions hired Shermeta law to represent them. I have to respond and I don't know how. I have to respond to their 7 statements they submitted the court. I know from reading the facts here I have to word it the way I did. That I can either admit, deny or say I don't know which is treated as a denial. I guess I would send it to the Court via Certified mail? I don't think they have much on me. First I am going to question their standing any good ideas? Secondly I want them to prove I signed that contract and that PCA bought it legally, and that Shermeta is infact representing them as things get sold multiple times.... I have no idea what account this is for so how would I compel them to share discovery? The judge I know was endorsed by the AFL-CIO so shes not a big business type. Any pointers on how to respond and get a day in court?
  6. I recieved a summons and complaint, by a serving officer in the state of Michigan. Barely anything was attached to it, except 7 statements to the court which I will now copy 7 Claimed Statements and what my reponse would be (I Just have no idea how to send it) 1. Jurisdiction and Venue are proper in this court. (the 60th district, has jurisdiction over me I don't dispute that). Me- The Defendant admits this allegation in its entirety 2. Defendent entered into an agreement with the plaintiff's assinor, SYNCHRONICITY BANK, for an account number ending in XXXX (Honestly don't know if I did) Me- The Defendant lacks knowledge of information sufficient to form a belief as to the truth of the allegation, which has the effect of a denial. 3. Upon Infomrmation and belief, Defendent has poession of this contract upon which this claim is based (either I didn't open it (the account), or I lost it) The Defendant denies this allegation in its entirety 4. The Account Was duly assigned, in the normal course of buisness, to the plantiff. (I Have no idea if they bought it or can prove it) me- The Defendant lacks knowledge of information sufficient to form a belief as to the truth of the allegation, which has the effect of a denial. 5. Plantiff and/or it's assignor completed performence under the terms of its account (I have no idea what that means) Me- C. The Defendant lacks knowledge of information sufficient to form a belief as to the truth of the allegation, which has the effect of a denial. 6. Defended Has defaulted under the terms and the condtions of the account by failing to pay as promised (again no idea if I opened this account (Bipolar as hell), or they even bought it correctly if I did) me- The Defendant lacks knowledge of information sufficient to form a belief as to the truth of the allegation, which has the effect of a denial. 7. There is presently due and owing the sum of 1366.18. plus costs and atty fees. (again no idea) Me -C. The Defendant lacks knowledge of information sufficient to form a belief as to the truth of the allegation, which has the effect of a denial. I'm bipolar I had my identity stolen before and I actually have some bad debt, I have no idea of who where and what to respond to but I can't afford this I have no bank account because I am on disability and my wife pays everything on my behalf, secondly I do real estate 2 very old cars one worth 2000k and one worth 4500k, and 1 modest home. The cars are paid for and I have about 30000 worth of equity in my home. Thing is I have no idea if I opened this, second I don't want a lien on my property or for it to be acutioned off, how do I respond (Mail, Phone, email) secondly where this is the 60th district court.... I want a day in court to explain. What should I do?