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Hello, I am in AZ. I sent a debt validation letter to a local collection agency that included... "I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS." They have called me twice since they have responded to my DV letter, one of which they left a message specifically stating the employee's name and who he works for. I am planning on filing suit...do I file a suit per violation or just one suit with two accounts of violation?
My wife received a Civil Summons and we have 20 days to respond with a written defense and file it with the Clerks office or they will get default judgment. The exhibit they gave is a Capitol One Credit card Statement showing a balance of $1095.86. We offered to pay Credit One $27.00 per month until we could pay more. Can we make Midland Funding the same offer, before we write the defense and what do we write as the defense?