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About melsplac3

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  1. Well, I've been studying up on what you guys told me to study, and most of it is way over my head. I tried to find case laws like ArtVandelay told me to, but can't seem to find anything. So, I'm going to wait a few more days to see if TNLawyer chimes in here, and if not, I'm going to give him a call. Maybe he will help me out. Maybe at least point me in the right direction. You guys have been so helpful though.
  2. Artvandelay I just went to that site and tried both Zwicker & associates and TD Bank USA, and it's saying there are no records found on either. Maybe I'm doing something wrong.
  3. Thanks guys for some more advice. I did my credit report and according to it, my last payment was on 8/21/2012. So, yes my account was in default when they sold to TD Bank. Also, I just hunted down a letter that I received from Zwicker & Associates from April of this year. Right at the bottom of the letter it states this "This firm is a debt collector."
  4. Was your card in default when TD Bank purchased it? Had it been charged off when TD Bank purchased it? How do I find this out. I just did a credit report, but am unsure on how to figure that out. Also, I pm'd TNLawyer. And haven't had a response yet. Does he come on here often?
  5. O.K. I just did another credit report and under TD Bank USA/Target Credit, in the pay status spot, it says "charged off". According to the report it was charged off in March of this year. Is that good or bad news?
  6. Actually he got some ice cream...turtle tracks. lol Thanks racecar!
  7. O.K. my son just added the actual summons. I think he may have it out of order, but you can get the idea of it. I added it to the top in my original post. Please someone tell me what to do. I have looked on this site at another summons that someone got, and the one that they showed looks nothing like that I received.
  8. I don't know why I'm not getting any answers on this post. I'm going to see if my son can figure out how to post the actual summons, because maybe I have confused everyone. Will be posting that soon if he can figure it out.
  9. Thanks for that explanation. Now, is anyone going to help me with my other
  10. No, I'm talking about that winky face in my post. I don't know where that came from. Weird....
  11. I don't know where that face icon came from. I didn't put it there.
  12. Thanks racecar. As for the charges against me.... My top page states that is is a civil summons for me to appear before the General Sessions Court in my county, in Nov to answer a civil action brought by TD Bank USA, N.A. as successor in interest to Target National Bank. Also, on the front is the name of the local attorney here in TN that I assume will be there (Zwicker & Associates, P.C. in Brentwood TN). States a phone number for them too. There is a spot for the Judgement, the order, and a spot for someone to let them know I am not in the military. The affidavit says this almost exa
  13. From what I have posted, can anyone tell who is suing me? Is it still with Target? Top right corner says TD Bank USA, NA as successor in interest to Target National Bank. And then down at the bottom it gives an attorneys name (Zwicker & Associates, P.C.) in Brentwood TN. States that they are a law firm engaged in debt collection. I also don't know how long I have to answer this. Where do I look? Help!!
  14. Oh I forgot to tell you that the only blank places that are not filled in are a box for the judgement, and box for the order, and on the back of that first page is a box that says affidavit. I don't see anything for me to fill out unless, I am supposed to fill something out there.