slackjawed yokel

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  1. Thanks, all, for your advice & tips so far. I really do appreciate them. Based on a past case in another state, I expected that when I showed up on Monday I'd be one of several people and that when I verbally denied the claims, the judge would set another date to actually hear it. Is that not the case in TN? Given the short time frame between service of the warrant and the court date (5 business days), it would have been nearly impossible to gather everything I would need to adequately respond to the suit particularly since they sent me an affidavit with almost no identifiable information on it (my name, 4 digits of an account number, no dates or anything else). I read up on the arbitration and that seems like a strong option for those being sued by an OC, which I am not. So I figured that wasn't the best road for me.
  2. Hope it's okay to bump said 0 views and I feared it had been overlooked. Thanks in advance.
  3. Hi all, I was served a civil warrant this evening in Tennessee for an alleged debt to ASSET ACCEPTANCE LLC, assignee of DELL FINANCIAL SERVICES. My court date is a week from Monday. I'd appreciate any advice as we are new to Tennessee and especially unfamiliar with its court system. 1. Who is the named plaintiff in the suit? ASSET ACCEPTANCE, LLC assignee of DELL FINANCIAL SERVICES 2. What is the name of the law firm handling the suit? Fulton Friedman & Gullace, LLP 3. How much are you being sued for? $2XXX & change 4. Who is the original creditor? DELL FINANCIAL SERVICES/CIT ONLINE BANK 5. How do you know you are being sued? I was served. 6. How were you served? In person, at my home. 7. Was the service legal as required by your state? Yes, I believe so. 8. What was your correspondence (if any) with the people suing you before you think you were being sued? Possibly none. I think I've had some letters from Asset, but I don't recall any correspondence with the law firm. 9. What state and county do you live in? Williamson County, TN. We moved here about six months ago from another state. 10. When is the last time you paid on this account? Unsure, but the latest possible is sometime early in 2010. 11. What is the SOL on the debt? SOL on open accounts is three years in our prior state, but looks like six here - don't know if that matters. 12. What is the status of your case? I think just suit served. My warrant has a court date but I cannot find case info online. I'll call the court during business hours. 13. Have you disputed the debt with the credit bureaus? No. 14. Did you request debt validation before the suit was filed? No. 15. How long do you have to respond to the suit? About a week; court date is 3/11. The summons simply asks me to appear; there's nothing saying if any other response is desired or necessary. 16. What evidence did they send with the summons? Barely anything; only the affidavit attached. Thanks in advance for any help/advice you may be able to offer.