profyt77

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About profyt77

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  1. Just wanted to give an update. Spoke to a few firms and some had better ideas than others. The one that seemed to have an actual game plan pretty much said: 1. File an amended answer 2. File Motion for More Definitive Statement 3. File In regards to improper service due to my location being in Toronto not Cleveland. 4. If they are not playing ball move to the arbitration route and get them tied up in that until it makes sense to either dismiss or settle. Doe this sound like a decent strategy? The others were mostly trying to get me to do a lump sum settlement and payment plans. This was the only one that actually said lets try something different. Thanks for all the help I have been getting. I am learning so much.
  2. I can give that a shot. It was served via FedEx to my mothers house whee i sometimes gt mail delivered in the states. She signed for it. I will reach out to an attorney and see what ideas they have. Thanks to all of you for your help. This has been quite the learning experience.
  3. Almost forgot to add my certificate of service....This is what i was planning on going with: CERTIFICATE OF SERVICE The undersigned certifies that the above documents were served on all parties or their counsel in the above cause by depositing a copy in a FedEx envelope addressed to Brian C Block, 1100 Superior Avenue 19th Floor, Cleveland, OH 44114-2518, on 10/10/2019.
  4. Here is a sample of the answer I am filing. I will be adding my Canadian address to it when filing. How does it look? Any suggestions? I threw in the “Lack of Subject Matter Jurisdiction – The underlying contract contains a private arbitration clause which the Defendant has elected to exercise. Therefore, This Court does not have jurisdiction to hear this matter”. Just in case the motion to dismiss for lack of jurisdiction doesn't work I can still file the MTC Arbitration. Defendant, appearing pro se, for its reply to the Complaint of CKS Prime Investments, LLC states as follows: All Answers correspond to the numbered paragraphs of the Complaint. All allegations of the Complaint are denied unless expressly admitted herein. ANSWERS Defendant is at this time without knowledge or information sufficient to form a belief as to the truth of the allegation contained therein, and leaves the Plaintiff to provide proof. Defendant demands strict proof thereof. Defendant is at this time without knowledge or information sufficient to form a belief as to the truth of the allegation contained therein, and leaves the Plaintiff to provide proof. Defendant demands strict proof thereof. This request calls for admission of matter defendant has denied and thus it is improper. Defendant is at this time without knowledge or information sufficient to form a belief as to the truth of the allegation contained therein, and leaves the Plaintiff to provide proof. Defendant demands strict proof thereof. AFFIRMATIVE DEFENSE As and for a First Defense Plaintiff admits to purchasing the defaulted debt allegedly owed by the Defendant, causing Plaintiff's injury to its own self, therefore Plaintiff is barred from seeking relief for damages. As and for a Second Defense Plaintiff's Complaint violates the statute of Frauds as the purported contract or agreement falls within a class of contracts or agreements required to be in writing. The purported contract or agreement alleged in the Complaint is not in writing and signed by the Defendant or by some other person authorized by the Defendant and who was to answer for the alleged debt, default or miscarriage of another person. As and for a Third Defense Defendant claims a Failure of Consideration as there has never been any exchange of any money or item of value between the plaintiff and the Defendant. As and for a Fourth Defense Defendant claims Lack of Privity as Defendant has never entered into any contractual or debtor/creditor arrangements with the Plaintiff. As and for a Fifth Defense Defendant alleges that the Complaint includes references to alleged agreements made outside of the alleged written contract, violating the Parol Evidence Rule. As and for a Sixth Defense Plaintiff's Complaint fails to allege a valid assignment and there are no averments as to the nature of the purported assignment or evidence of valuable consideration. As and for a Seventh Defense Plaintiff's Complaint fails to allege that the Assignor even has knowledge of this action or that the Assignor has conveyed all rights and control to the Plaintiff. The record does not disclose this information and it cannot be assumed without creating an unfair prejudice against the Defendant. As and for an Eighth Defense The Plaintiff is not an Assignee for the purported agreement and no evidence appears in the record to support any related assumptions. As and for a Ninth Defense Defendant alleges that Plaintiff or the person or entity that assigned the alleged claim to the Plaintiff is not entitled to reimbursement of attorneys' fees because the alleged contract did not include such a provision, and there is no law that otherwise allows them. As and for a Tenth Defense Defendant reserves the right to amend and/or add additional Answers, Defenses and/or Counterclaims at a later date. As and for a Eleventh Defense Lack of Subject Matter Jurisdiction – The underlying contract contains a private arbitration clause which the Defendant has elected to exercise. Therefore, This Court does not have jurisdiction to hear this matter
  5. Sounds like a good idea. I can try that first and if it doesn't work out I can always go the arbitration route. Thanks for your help.
  6. Getting my answer ready to file but had a question on location. I currently live in Canada and have been for the past few years. I am now a permanent resident of Canada but still have some mail going to a relatives house in the US. Should I be using my Canadian address in correspondence as well as mention that in my answer or MTC arbitration?
  7. Thanks for the quick reply. I do see a section on Arbitration in the OC's agreement.
  8. 1. Who is the named plaintiff in the suit? CKS Prime Investments, LLC 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Javitch Block LLC 3. How much are you being sued for? $16,793.18 4. Who is the original creditor? (if not the Plaintiff) WebBank 5. How do you know you are being sued? (You were served, right?) Received Summons via Fedex 6. How were you served? (Mail, In person, Notice on door) Mail 7. Was the service legal as required by your state? Yes. 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? Ohio, Cuyahoga 10. When is the last time you paid on this account? September 02, 2018. 11. What is the SOL on the debt? 6 years. 12. 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). Newly filed – Just received Summons on 9/20 13. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) No. 14. Did you request debt validation before the suit was filed? Note: if you haven't sent a debt validation request, don't bother doing this now - it's too late. No. 15. 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? I calculated had to be answered by October 17th, since it arrived via fedex on September 20th ( 28 days). Charges: First Cause of Action (Summarized) 1) Plaintiff acquired, for a valuable consideration, all rights, title and interest in and to the claim set forth below originally owed by the Defendant to Web Bank. 2) There is due to Plaintiff from the Defendant upon an assigned Written Agreement the sum of $19,793.18. 3) A copy of said Written Agreement is attached hereto as Exhibit “A”. 4) Plaintiff notified Defendant of the assignment and demanded that Defendant pay the balance due on the written agreement, but no part of the foregoing balance has been paid. WHEREFOR, Plaintiff prasy for judgement against Defendant in the amount of $16,793.18 with interest a the statutory rate of 5% per annum from the date of judgement and costs of this action. No, interrogatory (questionnaire) was received only the Summons. 16. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits. Exhibit A is: a truth in lending statement, loan summary, and a borrower agreement all from original creditor. NOTHING WITH MY SIGNATURE. I am looking for an example of an answer to this as well as some guidance on how to proceed. Thank you in advance.