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  1. Thanks for the answers. I think Nobk4me is correct, assuming I'm reading this correctly https://www.fnbo.com/terms/cardmember-agreements/ I have filed the Defendant's Answer using the https://selfhelp.efiletexas.gov/SRL to produce the Answer in PDF form (it didn't give me the option to file directly, even though I was registered and logged in) I then electronically signed and File into an existing case using https://efile.txcourts.gov/ofsweb And did the certificate of service via email. It was accepted by the Llano County District Clerk about 30min later, so hopefully I didn't screw it up. Should I wait for a response or file the Motion to Compel Arbitration?
  2. 1. Who is the named plaintiff in the suit? First National Of Omaha 2. What is the name of the law firm? Eric S Peterson - Javitch Block & Rathbone LLP 3. How much are you being sued for? $22k + plus court costs 4. Who is the original creditor? First National Of Omaha 5. How do you know you are being sued? Served in person 6. How were you served? In person. 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? Just a letter stating the account was closed for delinquency 9. What state and county do you live sued? Texas, Llano County 10. When is the last time you paid on this account? July, 2020 11. When did you open the account? 2013 12. What is the SOL on the debt? 4 years? 13. What is the status of your case? I was served 2 weeks ago. Need to Answer. 14. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency? N/A 15. Did you request debt validation before the suit was filed? No 16. How long do you have to respond to the suit? 1 week 17. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits. They submitted a past due statement (dated 03/2021) from First National Of Omaha with the summons. Just want to know my best options. Thanks in advance.
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