crystal_2010

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About crystal_2010

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  1. crystal_2010
    I have no idea if I made the last payment or not. That's part of the problem. Spoke with Citi finally who said I had the account (via telephone). But with this account being from years ago, I have no specific recollection. I also have no record of any such payment or credit report history on this account. I'm wondering if this was on my credit report at some point, and fell off due to the 7 yr limit. If that's the case, I would assume it's beyond the SOL. Is there any way of finding out about things that have fell off your report?
  2. crystal_2010
    So for my first step, It sounds as though I need to send a letter electing arbitration to both the lawyers, Midland, and the courts. Correct? And, then send an answer?? I've read and re-read so many posts and it seems this is what I should be doing. Here is what I need further help with. 1. I cannot find an agreement for Citi from 2004 (year acct is said to be opened). The current agreement Citi has online includes arbitration with JAMS. So I would guess the old one does also, but can't locate it. Any help or suggestions would be greatly appreciated as I'm running out of time. 2. If I do nee
  3. crystal_2010
    I have no idea who made the last payment. I don't even know that this information regarding the last payment is accurate. Citibank is not on my credit report at all. I spoke with someone as Citibank today and they couldn't provide me with any information, just to refer me back to Midland.
  4. crystal_2010
    Yes, I started a thread and added all pertinent info and things I could find. http://www.creditinfocenter.com/community/topic/319281-just-served-summons-by-midland/
  5. crystal_2010
    No it wasn't in just his name. Some of the debts were in both names and others in just mine or his. When we divorced everything was divided in the decree. However, unfortunately, bankruptcy is federal and trumps all divorce papers/court rulings. They are not coming after me for any of the debt that was his only. The problem is just that the divorce was over 6yrs ago and since he didn't pay a dime on his portions during the past 6 yrs, those debts that originally had my name on them are all becoming my problem since the bankruptcy. The interest and all... I've spoke to several attorneys on this
  6. crystal_2010
    The claim/complaint is very general and is as follows: Defendant(s) The said Plaintiff complains of the defendant and says: That the defendant is indebted to the Plaintiff for reasons stated herein for unpaid balance due Midland Funding LLC as assignee of Citibank. Wherefore, plaintiff asks judgment for $1000.00 plus accrued interest and/or late charge in the amount of XX, additional interest at the rate of X% from September 28,2012, reasonable attorney fees in the amount of XX and costs with relief. There are no other reasons stated within. The only thing I can think that they may be
  7. crystal_2010
    I am having the exact issue with the same law firm: Received a Notice of Claim/Summons on Saturday 2/23/2013 stating, The said plaintiff complains and says: That the defendant is indebted to the plaintiff for reasons stated herein for unpaid balance due. (Plaintiff being Midland Funding LLC as assignee of Citibank). and asks for judgement $$. I received via regular mail and the service requested was personal. (Not sure if this matters). Attached to the summons was a letter declaring I wasn't active military and an affidavit of debt. Affidavit of debt reads as follows: (Also not noto
  8. crystal_2010
    1. Who is the named plaintiff in the suit? Midland assignee of Citibank 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Bowman, Heintz & Vician 3. How much are you being sued for? Just under $1000 4. Who is the original creditor? (if not the Plaintiff) Citibank 5. How do you know you are being sued? (You were served, right?) Summons/claim via US mail 6. How were you served? (Mail, In person, Notice on door) Mail 7. Was the service legal as required by your state? yes 8. What was your correspondence (if any) with the people suing
  9. crystal_2010
    I am having the exact issue with the same law firm: Received a Notice of Claim/Summons on Saturday 2/23/2013 stating, The said plaintiff complains and says: That the defendant is indebted to the plaintiff for reasons stated herein for unpaid balance due. (Plaintiff being Midland Funding LLC as assignee of Citibank). and asks for judgement $$. I received via regular mail and the service requested was personal. (Not sure if this matters). Attached to the summons was a letter declaring I wasn't active military and an affidavit of debt. Affidavit of debt reads as follows: (Also not noto
  10. crystal_2010
    I am having the exact issue with the same law firm: Received a Notice of Claim/Summons on Saturday 2/23/2013 stating, The said plaintiff complains and says: That the defendant is indebted to the plaintiff for reasons stated herein for unpaid balance due. (Plaintiff being Midland Funding LLC as assignee of Citibank). and asks for judgement $$. I received via regular mail and the service requested was personal. (Not sure if this matters). Attached to the summons was a letter declaring I wasn't active military and an affidavit of debt. Affidavit of debt reads as follows: (Also not noto