beelee24

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About beelee24

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  1. Attached to there complaint were exhibits: [A] a group of documents 'proving' they purchased the debt(see my original post) with the last page saying all my basic info, credit limit, date of last payment, date of chargeoff, etc. a letter they apparently sent me saying that they had my account now & a bill. [C] statement from OC with the last activity which was only payments, no purchases. [D] the last statements from OC at or around time of charge off [E] a letter warning me they may sue me if I didnt pay them. Since I have responded now begins discovery, correct? There is a date sche
  2. The Notice of Legal Placement was just a letter from MCM to me saying that if I do not contact them or make a payment they might decide to sue me.. I cant verify much because most of my records from that time are no lost or not accessible... I do not have the same bank accounts, phone number, etc.. I do stay at the same address though ,
  3. I have read a Bill of Particulars demand is not available in an action for 'account stated'. I did not list many affirmative defenses, I was hoping they would have to produce some sort of contract with my signature to prove it was my debt (incorrectly thinking the cause of action was 'breach of contract'). I listed: Failure to State a Claim, Laches, Contributory Negligence, Assumption of Risk. the 30 days from my service was approaching so I sort of rushed my answer (I know, my mistake). Ive since done more research and feel that some of those do not apply... and I
  4. Hello thanks in advance for any help.. from what I have read 'account stated' sounds like it is going to be a little more difficult to deal with as it sort of does not require as much evidence and I am struggling to find much info on it. 1. Who is the named plaintiff in the suit? Midland Funding 2. What is the name of the law firm handling the suit? not sure just has a bunch of lawyers listed.. a google search seems to point to Encore Capital Group.. idk 3. How much are you being sued for? about $2800 4. Who is the original creditor? Synchrony 5. How do y