thunder0932

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About thunder0932

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  1. thunder0932
    Just got back from my hearing. It went relatively well. I must say, spending time in the Law Library helped a bunch as well as taking the entire day yesterday to observe the judge decreased my anxiety levels tremendously. Needless to say, I did a good job pissing off the lawyer. In the hallway, I mentioned the arbitration clause in the agreement and the lawyer stated "I've read the agreement, I know what it says". Then, I tried showing her the MTC and stated "I don't need to see that". The next thing I know, the lawyer tells me she's going to request a continuance and makes a mad dash ba
  2. thunder0932
    Whoops - it was 2018. Sorry for that mess up! I've corrected it.
  3. thunder0932
    Yeah, to be clear...the argument isn't whether or not I falsified the application (I didn't); through my interpretation of the CARD act, it's still a violation for the OC to approve a card without requesting for a pay-stub etc. Looked at my BB order history; and guess what? I had an in-store order on 3-13-15 (called BB and got the receipt...paid using the card). So, if my interpretation is correct, they very obviously opened up a line of credit without obtaining proof of income. To be honest here, there's other tried and true methods out here to get this to go away. I just thought it was
  4. thunder0932
    So these are the two things I'm looking at...again, this was applied for and approved in a BB store at the spur of the moment - I never sent them anything as proof of income. At most they might have asked me an estimate as to my income (memory is hazy). Hell, I didn't even turn 21 until right after the last utilization.
  5. thunder0932
    In that case, should I press for dismissal with prejudice? Ideally I'd like to get a dismissal with prejudice...after whats happened recently (attached the thread below)...I'd really like to shut their **** down. Thanks for the suggestion!
  6. thunder0932
    So, this was interesting. I was just served a separate lawsuit from the same process server today, which was filed back in October 2017. The plaintiff? Midland Funding LLC CitiBank (Best Buy CC) - Green & Cooper. Midland filed a lawsuit this month and that can be found here: Questionnaire 1. Who is the named plaintiff in the suit? MIDLAND (Blood-Sucking) FUNDING 2. What is the name of the law firm handling the suit? Green and Cooper LLP 3. How much are you being sued for? ~$1519 4. Who is the original creditor? CitiBank (Best B
  7. thunder0932
    So, today was the day...my first (and hopefully last) time being served. I have updated my original post above with a scanned copy of the documents I received. What's the opinion on affidavit admissibility? I've found contradictory statements in relation to this. I think the best route is to ask for the magistrate court rules for Cobb County - I assume I ask the clerks for that? I found a document titled "Introduction to Small Claims Court" on Cobb County's website and in it: So...my take-away from this is exhibits A,B,C, and D are inadmissible for either being hearsay or la
  8. thunder0932
    Luckily I managed to find my case in the electronic filing system - I've set myself up with an account and made myself familiar with the submission process. I'll continue research into case preparation, common JDB arguments/attacks, and JAMS. Thanks a bunch! Y'all are awesome, seriously, big thanks for the support and advice. I will keep all of this in mind as this case progresses in the upcoming months. The more I read about JDBs, the more comfortable I am fighting them. Just going through cases in Cobb county (hundreds for Midland), and seeing just how many go into default judge
  9. thunder0932
    Background I was laid-off in 2016 and am now a full-time student receiving assistance from a few sources - I am on track to earning my bachelors in IT/Security this year (after 1 1/2 years of study). In late 2016, my mother attempted suicide (due to prior abuse from her now ex-husband - stepfathers suck) which had brought a heavy burden upon my family and I. Nothing is more terrifying than having to drive from Atlanta to Alpharetta...not knowing whether your mom is dead or alive. Unfortunately, this combination of events has led me to largely ignore my financial situation and place me wh