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  1. Thanks for the help thus far. As I get further into this process, I'm looking for the path forward that is quickest and requires the least amount of back and forth responses and filings. I'm a full-time student, part-time teacher and also going through divorce, so my bandwidth is limited. If this means settling rather than fighting further, I can live with that. Given all of this, and that I have no real evidence that this debt does not belong to me, does everyone here agree my best next step is filing Motion to Compel arbitration, and to respond to the plaintiff's requests and inter
  2. Ignore - figured this out elsewhere. Synchrony is the lender suing me, but the original contract was with HSBC (via Guitar Center). Synchrony took over Guitar Center's credit accounts in 2015. Does that mean that a new contract was in effect signed with Synchrony, or would the valid contract still be the initial one signed when the account was opened? Thank you.
  3. To be clear - I was referring to my CC account number, not to my social security number. Does the same principle apply to former credit card numbers?
  4. Original poster here - I have received the following REQUEST FOR ADMISSIONS. There is no new evidence in this packet that was not in the original lawsuit. My interjections are in red (I am paranoid to share exact dates and figures), and my questions are prefaced by a emoji: 1. Admit that ORIGINAL CREDITOR (OC) issued to YOU the ACCOUNT (they then list the account number as a bunch of XXXX's and the last 4 digits.) 2. Admit that YOU used said ACCOUNT 3. Admit that YOU and OC entered into an agreement regarding the ACCOUNT 4. Admit that YOU agreed to pay OC and its successor
  5. Hello, the basics of my case are outlined below. In the following post, I will share the Request For Admissions, Request for Production of Documents, and Special Interrogatories I have just been sent. I request assistance on how to respond to those documents. Thank you. 1. Who is the named plaintiff in the suit? Cavalry SPV I, LLC, as Assignee of Synchrony Bank 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Mandarich Law Group, LLP. 3. How much are you being sued for? $4050 4. Who is the original creditor? (if not the