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This Forum is great and there is a lot of great info! It's overwhelming for a newbie. I appreciate the help in advance as the clock is ticking to answer this summons! I searched a lot and don't mean to ask a redundant question, but they all vary a bit. I found other posts that asked for the following information to get some advice started... Also, do I need to get a form from the court to respond? Do I respond to the 3 causes of action or also to all of the dialog in each? 1. Who is the named plaintiff in the suit: CACH LLC 2. What is the name of the law firm handling suit? Mandarich Law Group 3. How much are you being sued for? $12,000 4. Who is the original Creditor? GE 5. How do you know you are being sued? Served 6. How were you served? In Person 7. Was the service legal? Yes 8. What was your correspondence (if any) w ppl suing you before you knew you were being sued? Calls and letters from a few different CAs and law firms. I did return calls. Never talked to Cach or Mandarich 9. What State & County? CA, So Cal 10. When is the last time you paid on this account? Jan 2013 11. What is the SOL? 4 yrs 12. What is the status? Suit Served 13. Have you disputed the debt w the credit bureaus & Yes, verbally, but on CR after being served. 14. Did you request debt validation before the suit was filed. No 15. How long do you have to respond? 30 Days (and counting down quickly!) 16. The causes of action are: 1 Breach of Contract 2 Account Stated 3 Open Book Account 17. What evidence did they send w summons? No evidence. 1. Summons 2 Cover Sheet 3. Cvr sheet Instruc 4 Declaration of Venue 5 ADR Package (alternative dispute resolution info pkg) Any advice on how to start?