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Mapleman's Achievements


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  1. I just don’t understand why they’d even go through all that just to let it go at the last minute.
  2. I wanted to update. I decided to fight this and ride it out following the information on this site. P&F sent me a CCP96 in which I didn't respond to. I showed up on the day for my trial, and the clerk told me that P&F had filed a dismissal without prejudice the DAY BEFORE. I have not received a proof of service for this (i'm not sure if its even required) and the court cant print me out anything for my records. My question is, do I need to worry, or is this a done deal? I know they can re file again, but is this some sort of tactic or was my case really not worth it for them? Thank you
  3. Hi everyone, this is my first post please bare with me. I'll try and include all the information I can. I'm in the state of California being sued by "Capital One" with them using Patenaude & Felix as their law firm. The balance they are suing me for is $3100. Long story short I lost my job, and couldn't keep up with the payments. I signed up for the credit card online sometime in 2015,and my last payment was in 2017, I was too far behind, and the minimum payment was beyond what I could afford with interest. A short time after, I lost my house in the Camp Fire, and moved 8 hours away. One day I received my summons. I responded to the summons with a general denial and have asked for debt validation in which I haven't received. After filing my answer with affirmative defenses to the court, I heard nothing for about 4 months. I then got a notice for a case management conference. Shortly after I received a settlement offer from Patenaude for 65% of the debt which ended up being a little over $2000, however it has to be paid in 10 days from now to stand. I Showed up yesterday to court for my case management conference and let the judge know that I haven't received debt validation. The attorney was on the phone with court call, and said he has tried to contact me on the phone with no answer, and sent a settlement offer with no response but wanted to proceed to trial. I then Agreed to trial because i'm supporting my wife and kids as we just had a baby and she has no job. Is it better to settle, or just see what happens in trial? I already am having my wages garnished for child support,along with being head of the household momentarily. One of my friends that practices law told me that if I spent the money, settling for a less amount IS winning. I'm curious to know, Do these guys really go out of their way for 3k? I know they will tack on attorney fees etc adding well over 3k, so if this is the case settlement may be in my best interest.
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