Ok, just got back from picking up this info and its not at all what I expected. Its only two pieces of paper. The first one is a pink form, on the front it says: Civil Summons State of Tennessee, county of Rutherford To Any Lawful Officer to Execute and Return: Summon (my name) TO appear in the General Sessions Courtroom #303 in the General Sessions Court of RUghertford County, Tennessee on (deate assigned to appear) then and there to answer in a civil action brought by: PORTFOLIO RECOVERY ASSOCIATES, LLC assignee of HSBC BANK NEVADA, N.A For goods, services, arbitrition award or monies advanced or loaned to Defendants for which payment has not been recieved as evidenced by the sworn account attached hereto in the sum of $1,672.90 plus interest rate of 10% APR & the costs of this action Under 25,000.00. JUDGEMENT (here there are lines that I assume the judge is to fill in after a judgement has been made...ex. Judgementer entered by: - default -Agreement - Trial Dismissed: - Without prejudice - with prejudice Costs Taxed to: - Plaintiff - Defendent Order (more blank lines for judge to fill in here) And then on the bottom of that same pink form (front side) it defines Portolio Recovery Associates as plaintiff and myself as defendent. At the botton is the contact information of the attorney for plaintiff.... McLemore and Edington, PLLC Attorney for Plaintiff Telephone number xxxxxxxx On the back of this pink paper NOTICE FOR DEFENDANT(S): Tennessee law provides ten thousand dollars (10,000.00) personal property exemption from execution or seizure to satisfy a judgement. If a judgement should be entered against you in this action and you wish to claim property as exempt, you must file a written list, under oath, of the items you wish to claim as exempt with the clerk of the court. The list may be filed at any time and may be changed by you thereafter as necessary' however, unless it is filed before the judgment becomes final, itwill not be effective as to any execution or garnishment issued prior to the filing of the list. Certain items are automatically exempt by law and o not need to be listed; these include items of necessary wearing apparel, for yourself and your family, and trunks or other receptacle necessary to contain such apparel, family portraits, the family bible, and school books. Should nay of these items be seized, you would have the right to recover them. If you do not understand your exemption rights or how to exercise them, you may wish to seek the counsel of a lawyer. AFFIDAVIT TO the best of my information and belief, after investigation of Defendent's employment, I hereby make affidaavit that the Defendent is not a member of a military service _____________________________________________________ attorney for Plaintiff or Plaintiff _____________________________________________________ Notary Public My Commision Expires: (All of this was left blank) APPEAL From the judgement on the reverse hereof, the ________________________ prayed an appeal, to the circuit court which is granted upon Pauper's Oath or Appeal Bond. This ___________ day of ____________ __________, 20____ _______________ Judge of the Court of General Sessions. In small print at the bottom of this pink form: information about the american's with disabilities act. Then comes the next form....its white. AFFIDAVIT State of Virginia City of Norfolk ss. I, the undersigne, Elaine Freeman-Lark, Custodian of records for Portfolio Recovery Associates, LLC hereby depose, affirm and state as follows. 1. I am competent to testify to the matters contained herein. 2. I am an authorized employee of Portfolio Recovery Associates, LLC (" Account Assignee") Which is doing bsiness at Riverside Commerce Center, 140 Corporate Boulevard, Norfolk, Virginia, and I am authorized to make the statements, representaitons, and averments herein, and do so based upon a review of the business records of the Account Assignee and those recoreds transferred to Account Assignee from HSBC BANK NEVADA, N.A/GM ("Account Seller"), which have become a part of and have integrated into Account Assignee's business records, in the ordinary course of business. 3. According to the business records, which are maintained in the ordinary course of business, the account and all proceeds of the account are now owned by the Account Assignee, all of the Account Seller's interest in such account having been sold, assigned and transferred by the Account Seller on 7/27/2010. Further, the Account Assignee has been assigned all of the Account Seller's power and authority to do and perform all acts necessary for the settlement, satisfaction, compromise, collection or adjustement of said account, and the Acount Seller has retained no further interest in said account or the proceeds therof, for any purpose whatsoever. 4. According to the records transferred to the Account Assignee from Account Seller and maintained in the ordinary course of business by the Account Assignee, there was due and payable from (my name) ("Debtor and Co-Debtor") to the Account Seller the sum of $1,672.09 with the respect to account number ending in 5538 as of the date of 1/30/2010 with there being no known un-creidted payments, counterclaims or offsets against the said debt aas of the date of sale. Plaintiff believes that the defendant is not a minor or an incompetent individual, and declares that the defendent is not on active military service of the United States. 5. According to the records of said Account Assignee, after all known payments, counterclaims, and/or setoffs occurring subsequent to the date of sale, there was due and owing at the time this lawsuit was filed a sum of $1,672.09. Porfolio Recovery Associates, LLC (Signature) Elain Freeman-Lark, Custodian of Records Subscribed and sworn to before me on JUN 02 2011 (signature) Notary Public Finally, a stamp by the notary public and then this statement at the very bottom: This communication is from a debt collector and is an attempt to collect a debt. Any information obtained iwll be used for that purpose. And thats it. 2 pieces of paper, no contracts, no records, nothing but the court paper and the affidavit. There is no information provided about how to answer, and the officer that served me the papers said I could call the attorney (plaintiff) to negotiate an agreement. But don't they still have the burdon of proof. Basically all this is is there word against mine at this point. There is absolutely no evidence provided or even any instructions for me. I am so confused! I was expecting a form to fill out or something, or at least some instructions on how to answer and the amount of time I have to do so! Is this affidavit the information I use to submit my admitance/denial, affirmative defences, and counterclaims? Can I subpoena for this elaina lady to testify, or at least require that they provide evidence? Shouldn't they have the original contract signed by me to verify the debt? And as per the TN law they did not do the 3 things they should have done, they didn't provide proof of buying the debt including the price, etc. Any advice would be greatly appreciated....Im lost!