I just received the summon papers last night and its dated 17th. I have been looking around online but have no idea how to actually proceed with this. I would appreciate any and all help. thanks.
s the named plaintiff in the suit?
Midland Funding LLC
2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.)
Gordon, Aylworth & Tami, P.C.
3. How much are you being sued for?
$2695.14
4. Who is the original creditor? (if not the Plaintiff)
Synchrony Bank/Walmart
Synchrony Bank/Amazon
5. How do you know you are being sued? (You were served, right?)
Yes
6. How were you served? (Mail, In person, Notice on door)
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?
Nothing that i remember
9. What state and county do you live in?
Polk County, Oregon
10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations)
Sometine in 2015
11. When did you open the account (looking to establish what card agreement may be applicable)?
Sometime in 2015
12. What is the SOL on the debt? To find out:
Oregon says 6 years but these cards were issued in Puerto Rico which i believe is 3 years
13. What is the status of your case? Suit served? Motions filed? You can find this by a) calling the court or looking it up online (many states have this information posted - when you find the online court site, search by case number or your name).
Open
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? (This should be in your paperwork). If you don't respond to the lawsuit notice you will lose automatically. In 99% of the cases, they will require you to answer the summons, and each point they are claiming. We need to know what the "charges" are. Please post what they are claiming. Did you receive an interrogatory (questionnaire) regarding the lawsuit?
First Cause of Action
Breach of Contract
1. Defendant entered into a contract with Synchrony Bank/Walmart for a credit account.
2.Synchrony Bank/Walmart performed its obligations under the terms of the contract and supplied the defendant with a credit account under the account number ********5639.
3. Defendant used the credit account and became indebted to Synchrony Bank/Walmart.
4. Defendant breached contract by failing to make payments as agreed. The last payment on the account prior to charge off was made on Feb 27, 2015 in the amount of $468.00
5. As a result of Defendants failure to pay, Defendants credit account was charged off for delinquency on Jan 25, 2016.
6. As of the date of charge off, the balance due on the Defendants account was $1470.62.
7. As of date of charge off, the interest rate on Defendants account was 22.90%
8. Defendant has failed and refused in the obligation under the terms of contract to make the required payments on the account.
9. The account having been assigned to Plaintiff, as a result of Defendants breach, Defendant is indebted to Plaintiff in the sum of $1470.62
Second Cause of Action
Breach of Contract
10. Defendant entered into a contract with Synchrony Bank/Amazon.com for a credit account.
11.Synchrony Bank/Amazon.com performed its obligations under the terms of the contract and supplied the defendant with a credit account under the account number ********9315.
12. Defendant used the credit account and became indebted to Synchrony Bank/Amazon.com.
13. Defendant breached contract by failing to make payments as agreed. No payments were made on the account.
14. As a result of Defendants failure to pay, Defendants credit account was charged off for delinquency on Feb 3, 2016.
15. As of the date of charge off, the balance due on the Defendants account was $1188.55.
16. As of date of charge off, the interest rate on Defendants account was 26.24%
17. Defendant has failed and refused in the obligation under the terms of contract to make the required payments on the account.
18. The account having been assigned to Plaintiff, as a result of Defendants breach, Defendant is indebted to Plaintiff in the sum of $1188.52.
17. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits.
Only the complaint
