Happy33

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About Happy33

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    Texas
  1. Thank you BackFromTheDebt and Clydesmom! Much appreciated.
  2. Any help is greatly appreciated, thank you! 1. Who is the named plaintiff in the suit? Portfolio Recovery Associates LLC 2. What is the name of the law firm handling the suit? Rausch Sturm 3. How much are you being sued for? $2,000 to $3,000 4. Who is the original creditor? (if not the Plaintiff) Synchrony Bank 5. How do you know you are being sued? I was served 6. How were you served? In Person 7. Was the service legal as required by your state? I believe so 8. What was your correspondence (if any) with the people suing you before you think you were being sued? None 9. What state and county do you live in? Texas, Smith County 10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) Fall 2016 11. When did you open the account (looking to establish what card agreement may be applicable)? 2014 12. What is the SOL on the debt? 4 years 13. What is the status of your case? Suit served? Motions filed? Court website says "Filed" 14. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) No 15. Did you request debt validation before the suit was filed? Note: if you haven't sent a debt validation request before being sued, it likely won't help create FDCPA violations, but disputing after being sued could be useful to show the court that you dispute the debt ('account stated' vs. 'breach of contract'). No 16. How long do you have to respond to the suit? 20 days 17. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits. Nothing at all
  3. Happy33

    New Here

    Hi everyone, I am learning alot from this site, which will probably help me greatly, thanks guys! Hope everyone is having a decent week and I wish you all the best of luck.