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Found 8 results

  1. Hi everyone! I was served with a Civil summons for a flex loan I defaulted on from Advanced Financial in TN. Can anyone tell me what to expect? I've never been to court in my life. I stopped paying because I don't have the money, and won't have the money now either, although I would have it at tax returns around May. Will these people work with you? Let you do a payment plan or a later due date? I'm 90% sure that I don't have any disposable income, if I do it's not much, so they wouldnt be able to garnish my wages much, if at all. The only thing of value I own is my 2005 Ford. Will they try to
  2. Hey y’all. This isn’t my first time getting sued by a JDB, but it is only my second so my goal is to be more knowledgeable and competent this go ‘round. I aim to heavily document this case in hopes of being a resource to my future self and others in the SE Tennessee area (since General Sessions Court does things a bit differently here.) My previous case (nearly a year ago) was dismissed without prejudice, largely based on the steps I’ll detail below and one silly mistake you can read about in my post history. As you know, IANAL. I also don't pretend to know a damn thing outside of what I'
  3. Hello.First-time poster, but certainly a long-time reader of the forums. As I indicated in the title, I only just discovered that my wife is being sued by Midland Funding LCC, and am intellectually and emotionally distraught while in a physically sickly state as well. As if things weren't bad enough. Please forgive me if parsing my thoughts and typing them here lacks eloquence. Three weeks ago, while routinely checking the mail, I came across a dubious letter offering Legal Services to our household. Incredulous as to its validity, I sit it aside for the time being. Late that same evening, I c
  4. My mother in-law lives in Tennessee and has been living in the home that she and my late father-in-law purchased over 40 years ago. He ended up using the house as collateral for an installment loan he took out that still has a balance of about 85,000 on it. When he died 7 years ago, my mother-in-law took over paying the installment loan. She's in her 70's and has had some health issues and wants to stay in the house and her daughter wants to buy the house (her daughter lives in the home with her anyway) but they are running into problems getting this done because my mother-in-law's name is o
  5. Hello, I'm pretty new to this site, but it has so far been quite helpful in forming a defense as I am in the process of fighting a lawsuit. Just a few weeks ago, I was feeling overwhelmed by my situation, but a little bit of research in the last week has me feeling optimistic about the opportunity that I have to defend myself. I would like some input as I move forward if anyone has information that would fit my particular situation. I am also lurking about and proactively seeking answers. I'm not 100% comfortable with putting the exact specifics of my circumstances on here, so I'm sorry if a
  6. If you reside in Tennessee and you have received a dunning letter from any debt purchaser attempting to collect from you, [be advised] Asset Acceptance is on a tear throughout Tennessee as is Midland Funding, LLC. The latter "usually" sends a letter first through Midland Credit Management before suing through Midland Funding. CACH, LLC is always active as is Cavalry SPV I. That said, these matters are not that difficult to get dismissed but they do require your attention.
  7. 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 SERVIC
  8. I have been lurking around on this forum for a month or so, and have been trying to learn as much as I can. Frankly, it is all very confusing to me, and I am very intimidated by fighting anyone in court, but have not giving up on that option. Let me start with a general background. I got a divorce about 5 years ago, and bought a house after the divorce. Had to use the credit cards for moving expenses and for repairs on the house (it was a foreclosure and everything that could go wrong, went wrong). I realized about 2 years ago that I was getting into deep debt and was in trouble, so I closed