Alchemy

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About Alchemy

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    California
  1. I received a summons for a limited collections from Blier & Cox in Encino California (representing Capital One). I need to deliver my ANSWER CONTRACT back to the court in a few days. How can I answer this as generally as possible?. I need to request discovery before a case management meeting. Please help ASAP Thank you. Here's my story: 1. Who is suing you? the Law Firm of Blier & Cox in Encino CA 2. For how much? $12,500 3. Who is the original creditor? Capital One 4. How do you know you are being sued? A summons was served on March 7 5. How were you served? By serving company (but it was not served to me and was never mailed) 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? Contra Costa Country Northern California 8. When is the last time you paid on this account? Approx. LESS THAN A YEAR AGO 9. What is the status of your case (if anything has been opened)? I've called the County Court Department that was assigned the case and they told me to return my answer contract and a case management meeting would be the next step 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? YES 12. Does your summons require a response? Yes, I must get this to the court in 2 days! Received it late because I was not here to accept it and never got it in the mail. If you don't get a questionnaire with your summons, you are still probably required to answer it in writing. We need to know what the "charges" are. "Complaint for Money" BREACH OF CARDHOLDER AGREEMENT 13. What evidence did they send with the summons? An affadavit? A statement from the OC? Anything else they attached as exhibits? NONE 14. What is the SOL on the debt? 4 years
  2. In response to my DV request, I received a copy of a seven month old credit card statement....that was it. Is this enough? Doesn't this CA need to show proof of debt ownership and something else? Do I reply and how?
  3. My permanent address is in the US, but I'm residing in Canada (visiting). Where do I find out more info on tolled? I think that I'll send the letter from the US...just in case. Don't need to put my derriere out there any more than necessary.
  4. I am debating whether I should send my DV letter from Canada (where I'm living) to the US or have a family member send it from the states. Do I want the CA to know that I'm living out of country now? I know that they can't reach across the border, but would they put their collections "on hold" until they have somehow discover that I have returned? I want the statute of limitation to keep running.
  5. Thanks...and glad there is a consensus. The only reason I would FAX the DV letter is so they won't know that I'm living in Canada now. I know that they can't reach across the border, but once they know that I'm here, they will "stop the clock" on serving me until I return, right? If there is a Statute of Limitation, I want it to keep running. Any thoughts?
  6. Can I fax my debt validation letter to the Collection Agency? Or is it still necessary to send it registered mail? I'm currently living outside of the US.