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Txguy

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  1. I contacted Bud Hibbs, he referred me to a Fort Worth Attorney. He quoted me $950 to defend me on this. If I had $950 it would be great but all I can scrape up is $300. I need a cheaper solution. Two other Attorneys never called me back.
  2. Anyone else have any suggestions or could possibly help me with the reply? Thank you.
  3. I would love to be able to afford an attorney but right now I'm doing good to scrape my car payment together. This problem coming up is poor timing. Anyone know any Law students/or very Low Cost attorneys in the Dallas/Fort Worth area? Thanks for your suggestions. I need to get a response compiled soon.
  4. Hopefully some kind person will be able to help me get a response together. Thank you so much for taking the time to read and comment.
  5. 1. Who is suing you? Hudson & Keyse, LLC Plaintiff 2. For how much? $14,317,08 3. Who is the original creditor? Discover Card 4. How do you know you are being sued? Received a letter from American Mediation & Alternative Resolutions on 7/27/2007 offering a limited power of attorney appointment to mediate or arbitrate a resolution. 5. How were you served? Two hours later on 7/27/2007 after receiving the above letter in the mail someone banged on my door at home. The lady who gave me the summons was from a private server of process. I did not sign anything nor was asked to. Were you served? Yes 6. What was your correspondence (if any) with the people suing you before you think you were being sued? None 7. Where do you live? Texas 8. When is the last time you paid on this account? Last full minimum payment was 12/3/2002. I made 4 partial payments of $100 each on 1/3/2003, 2/4/2003, 3/4/2003, 4/2/2003. I also made 4 partial payments of $10 each on 5/2/2003, 6/3/2003 and 9/5/2003. Since then no payments partial or otherwise have been paid. 9. What is the status of your case (if anything has been opened)? You can find this by a) calling the court or looking it up online (many states have this information posted daily). I have 20 days to respond from the date of service of this citation. The citation was delivered on 7/27/2007. 10. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) No 11. Did you request debt validation before the suit was filed? If not, don't bother doing this now. No 12. Does your summons require a response? (Look hard!) Yes If you don't get a questionnaire with your summons, you are still probably required to answer it in writing. 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? PARTIES: Plaintiff is Hudson & Keyse, LLC assignee of Discover Bank 13. What evidence did they send with the summons? An affidavit? A statement from the OC? Anything else they attached as exhibits? Just an affidavit. See the links above. 14. What is the SOL on the debt? Texas is 4 years, Since I didn't make full payments as listed above would this apply or not? I am unemployed and am currently in poor health. I do not have the money to pay for an attorney nor do I have anyway of paying anything towards a settlement. Any help in providing a response would be very much appreciated. I am lost and do not know what I should do. Thanks in advance for your time. TXguy
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