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About ticklemore

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  1. Hi @LoveIsPower, I know your post is a bit old but do you mind sharing the outcome of your trial? I am currently dealing with an unlimited case in California so I'd love to hear about your experience. Thanks!
  2. I hope you have responded the complaint with an answer on time. A general denial should be fine.
  3. What are the differences between the agreement at account opening and the agreement their pushing? Usually they try to go with the agreement that was in effect at the time the account was charged off. Might be something to your advantage, possibly. I see. Thanks for the feedback. I don’t have any other version of the agreement to compare with the one that Plaintiff has produced. Yes, it seems like it was effective when the charge off happened.
  4. I am wondering if I should send a demand for BOP (Bill of Particulars). During the discovery, the Plaintiff has produced: Credit card agreement that's dated October 2017 which is more than 3 years after the credit card account was opened in April 2014 Charge-off statement dated November 2018 24 months of monthly statements which only shows transactions for 30% of the total principal balance 2 Bill of Sale documents (Plaintiff is 3rd owner) which doesn't show any specific account number and is missing Exhibits referred in the Bill of Sale document
  5. Hello, This forum is great. I've gotten so many great information from here and also wanted to share my progress. I am currently in ligation with a junk debt buyer, NDS, LLC. who is suing me for $42K in an unlimited civil case in California. Here is the timeline of how everything went down: Debt Buyer named NDS, LLC. sent me a letter for the first time on 10/25/2019 It said that they are now the owner of the debt. They stated that the account was charged off on 11/21/2018 and that they're charging 10% annual interest since the charge-off date.