Nomejoda

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About Nomejoda

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    Louisiana
  1. 1. Who is the named plaintiff in the suit? Main Street Acquistion Corp 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Edward F Bukaty 3. How much are you being sued for? Not sure at this time. Original filing said account was $7,400, now lawyer says 8,200 while Main Street says 9,000. Charge off was 5,800. 4. Who is the original creditor? (if not the Plaintiff) GE CC (HSBC) 5. How do you know you are being sued? (You were served, right?) Got served 6. How were you served? (Mail, In person, Notice on door) Sheriff 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..received mailings but disregarded 9. What state and county do you live in? Filing is in Louisiana but I am no longer a resident of the state. 10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) Paid December 2008, account sold June 2009, reported July 2010, served July 2013 11. What is the SOL on the debt? To find out: I don't know...meet with a lawyer and he said its within SoL. They filed in court within the 3 year window and lawyer said they had 5 years to proceed. They were within the 5 year window when they had me served. 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). ​Scheduled for summary judgement 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 have a summary judgement scheduled for April 2014 16. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits. Nothing So I was served and I went to meet with a lawyer. He drafted a response that I filed (I am not a client) that denied everything except that I was a resident of the parish (no longer true). So 7 months later I receive a notice from the court stating summary judgement is scheduled. I called their lawyer and stated I wanted to avoid summary judgement. They said they would take it to judgement no matter what. I then called Main Street to see if they felt the same. Main Street would not provide me with any information besides the balance and that they were the owner of the debt and the lawyer is actually a contracted debt collector. They would not provide me with how the balance was calculated or when it was purchased. I have not contacted either again. In my filing I ask the court to dismiss with prejudice. Their lawyer made the comment that summary judgement was scheduled because I denied their claim to the debt. Being that I am no longer a resident, how does this work? I do not have a ton of money available, but could probably gather 2,500. My credit isn't terrible, but I was told a summary judgement is pretty bad. I want to avoid wage garnishment at all cost. I will setup a payment plan if I need to, but can only afford 300 monthly. Student loans eat me alive and thats why I had to quit paying in the first place. I do not have much "disposable" income. Poor decisions while I was young have left me playing many years of catch-up.
  2. Just so I am clear on your answer, Main Street is actually Credigy... Without coming here how would I have known this? If they are the same, how should I send a letter verifying I have an account with them, without giving my SSN? Can they do searches by name? Beside my credit report is there any other way to find who has my account now?
  3. had an account with HSBC (GM) that has been purchased by Main Street. I have moved several times and they have no contact information for me. They are on my credit report and thats how I know who has the account. I ended up going through Pacific Debt (negotiator) to help, but they are saying they can not locate this account. I want to settle this so I can begin the clean up process of my credit and get back on my feet. What should I do to facilitate my goals? Does anyone have the contact info on Main Street, or should I even be contacting them? From what I have read on here they are pretty aggressive. Any advice is appreciated.
  4. I also had an account with HSBC (GM) that has been purchased by Main Street. I have moved several times and they have no contact information for me. They are on my credit report and thats how I know who has the account. I ended up going through Pacific Debt (negotiator) to help, but they are saying they can not locate this account. I want to settle this so I can begin the clean up process of my credit and get back on my feet. What should I do to facilitate my goals? Does anyone have the contact info on Main Street, or should I even be contacting them? From what I have read on here they are pretty aggressive.