Stresstedoutstudent

Members
  • Content Count

    4
  • Joined

  • Last visited

Community Reputation

0 Neutral

About Stresstedoutstudent

  • Rank
    Newbie

Profile Fields

  • Location
    San Francisco
  1. Very good points. I would like to try and avoid a BK. I just got served yesterday! What are my next steps?
  2. Option #1 Hopefully try and settle for less. Option #2 sounds good lol but doesn't sound realistic. Option #3 I want to try and avoid at all costs as I was told bankruptcy for 9k is not worth it.
  3. Thank you for your reply. So if im pretty much SOL, is there any form that you would file or just show up to court and hope for the best?
  4. Hi Everyone, I am being sued by Capital one bank & Hunt & Henriques. My former roommate informed me that I received a letter of intent to sue from Hunt & Henriques. I am currently not living at the address they are sending mail to anymore. Because of this i have been checking the small claims website to see if my name would pop up and when i check it today it did! A few years ago I was going through very hard times and was living off of 2 CC's. My life is now moving in a positive direction, working + going to school full time, but I currently have no money to pay them. I am very scared as any reduction in my pay would put me back in a dire financial situation. Any help, advice or guidance would be most appreciated. Here is what the 2 case numbers are saying. I have been doing a bit of research on this website and I think the first thing I should file is a bill of particulars? Party Number Party Type Party Name Attorney Party Status 1 PLAINTIFF CAPITAL ONE BANK (USA) NA HUNT, MICHAEL S. First Paper Fee Paid Viewed Date Action Text Disposition Image 06/04/2019 DEPT. CLERK'S TICKLER ON CONSUMER CREDIT COLLECTIONS CASE - CHECK FOR FILING OF DEFAULT JUDGMENT WITHIN 360 DAYS OF FILING COMPLAINT 12/05/2018 CLERK'S TICKLER ON CONSUMER CREDIT COLLECTIONS CASE - CHECK FOR PROOF OF SERVICE FILED WITHIN 180 DAYS OF FILING COMPLAINT 06/06/2018 CASE ENTRY COMPLETED Not Applicable 06/06/2018 ORIGINAL SUMMONS ON CONSUMER CREDIT COLLECTIONS CMPL (CRC 3.740) FILED 06/06/2018 OF CAPITAL ONE BANK (USA) NA FILED Not Applicable N/A 06/06/2018 COLOR OF FILE: PINK Not Applicable 06/06/2018 PLACED ON CLERK'S TICKLER CALENDAR FOR 12/05/18, 06/06/2018 PLACED ON CLERK'S TICKLER CALENDAR FOR 6/04/19, 06/06/2018 COMPLAINT FILED; SUMMONS IS ISSUED Not Applicable 06/06/2018 CASE HAS BEEN ASSIGNED TO Party Number Party Type Party Name Attorney Party Status 1 PLAINTIFF CAPITAL ONE BANK (USA), N.A. CHEN, SHIH-LAN First Paper Fee Paid Viewed Date Action Text Disposition Image 06/07/2019 CLERK'S TICKLER ON CONSUMER CREDIT COLLECTIONS CASE - CHECK FOR FILING OF DEFAULT JUDGMENT WITHIN 360 DAYS OF FILING COMPLAINT 12/10/2018 CLERK'S TICKLER ON CONSUMER CREDIT COLLECTIONS CASE - CHECK FOR PROOF OF SERVICE FILED WITHIN 180 DAYS OF FILING COMPLAINT 06/11/2018 CASE ENTRY COMPLETED Not Applicable 06/11/2018 ORIGINAL SUMMONS ON CONSUMER CREDIT COLLECTIONS CMPL (CRC 3.740) FILED 06/11/2018 OF CAPITAL ONE BANK (USA), N.A. FILED Not Applicable N/A 06/11/2018 COLOR OF FILE: GREY Not Applicable 06/11/2018 CASE HAS BEEN ASSIGNED TO 06/11/2018 PLACED ON CLERK'S TICKLER CALENDAR FOR 12/10/18, 06/11/2018 PLACED ON CLERK'S TICKLER CALENDAR FOR 6/07/19, 06/11/2018 COMPLAINT FILED; SUMMONS IS ISSUED 1. Who is the named plaintiff in the suit? CAPITAL ONE BANK (USA) NA 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) HUNT, MICHAEL S. 3. How much are you being sued for? Around $2500 and $6500 4. Who is the original creditor? (if not the Plaintiff) CAPITAL ONE BANK 5. How do you know you are being sued? (You were served, right?) Have not been served yet. Looked it up on the county website 8. What was your correspondence (if any) with the people suing you before you think you were being sued? No 9. What state and county do you live in? California, Contra Costa County 10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) Got this info from credit karma Dec 24, 2016 on both cards 11. When did you open the account? (looking to see which agreement/contract may be applied) Feb 20, 2015 & May 23, 2015 13. What is the SOL on the debt? To find out: 4 Years in CA 14. What is the status of your case? Just says active, waiting to get served. 15. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) No 16. Did you request debt validation before the suit was filed? No 17. How long do you have to respond to the suit? N/A