kax

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About kax

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  1. 1. Who is the named plaintiff in the suit? A collection agency for a hospital. 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Would prefer not to say, but I haven’t seen the firm’s name mentioned on here before. 3. How much are you being sued for? ~3k. 4. Who is the original creditor? (if not the Plaintiff) A hospital 5. How do you know you are being sued? (You were served, right?) Received Summons 6. How were you served? (Mail, In person, Notice on door) Certified Mail 7. Was the service legal as requir
  2. Thank you - very simple. Maybe I was overthinking it.
  3. Good morning, everyone. The attorneys representing the JDB who is suing me had a summary judgment up for review last week. I showed up and spoke with the judge, who very graciously gave me the opportunity to file an affidavit denying the debt. I had filed a general denial with my answer, and discovered that that wasn't enough. He told me that if I provide an affidavit to him this week he will order that the case go to trial. So after searching the forum and the internet at large, I still have a few questions. 1. Does anyone know of a good resource for a template for an Ohio affidavit?
  4. Thanks everyone for the great advice and examples! I'm feeling much better about this!
  5. Thanks for the advice! Now off to google "meet and confer"
  6. Good morning, I'm looking for some advice. I submitted my answers in time and also submitted my own discovery to Midland's attorney. However, I did not provide any language about making an electronic copy available, which is in Ohio's rules. I also didn't require them to notarize their answers, but I'm not sure if that's required. It's been over 30 days now and I haven't received a response. We are due back in court next week. Should I resubmit my discovery with the corrections and give them another 28 days or should I wait until we are back in court?
  7. What if you sent the discovery request and forgot to add a message about an electronic copy. Should I just send a copy to their email or send them another letter explaining that they may have an electronic copy of my interrogatories?
  8. @ nobk4me and BV80. I did a more thorough check of some of my old credit reports, and it is a different account. But I don't remember having this account, so I'm going to keep plugging away. At least I can put that issue to rest, though.
  9. Rec'd the following Combined Interrogatories, Request for Admissions and Request for Production of Documents. Here is what I have so far, based on some ideas I got from the forum. Words in () are not included in the response. I'm so nervous, I would love feedback! Interrogatory 1. State you full name, current address, social security number, date of birth and telephone number. (I'm fine with doing this, except for the ssn - I'd rather not) 2. Provide the names, addresses and telephone numbers of all persons who assisted you in responding to these Combined Interrogatories, Request fo
  10. I should have done this weeks ago, but thankfully there's still time. 1. Who is the named plaintiff in the suit? Midland Funding 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Appears to be in house attorneys 3. How much are you being sued for? $2100 4. Who is the original creditor? (if not the Plaintiff) Citibank 5. How do you know you are being sued? (You were served, right?) Served 6. How were you served? (Mail, In person, Notice on door) Registered Mail 7. Was the service legal as required by your state? Yes Process Servic
  11. It's supposed to mean that collectors will not be incentivized to push for big payments, and instead inform debtors of other, more affordable options to repay their loans. However, only time will tell if that happens.
  12. The commission for collecting on overdue student loans has dropped from 16% of the entire loan amount to 11%, a move that is expected to reduce the incentive for collection agencies to push large payments instead of more affordable plans such as the Income Based and Income Contingent plans. From Bloomberg: http://www.bloomberg.com/news/2013-03-19/obama-cuts-student-debt-collector-commissions-to-aid-borrowers.html
  13. Hi Drake, I'm a financial aid counselor, as well as someone with a lot of student loan debt Is your loan a Federal Direct or Federal Family Education Loan? If you don't know, your first step is to go to www.nslds.ed.gov and log in to your account and choose "financial aid review." You will need a 4 digit pin number (the same one you use to sign a FAFSA) so if you don't have one already, you will need to sign up at www.pin.ed.gov. It takes 3 days for your pin to be active to check out your loan information. Once inside NSLDS, you will see a list of all federal grants and loans you have