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  1. 1. Who is the named plaintiff in the suit? Velocity Investments LLC 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Ragan and Ragan 3. How much are you being sued for? About $10,000 4. Who is the original creditor? (if not the Plaintiff) Barclays Bank Delaware 5. How do you know you are being sued? (You were served, right?) Summons 6. How were you served? (Mail, In person, Notice on door) Mail 7. Was the service legal as required by your state? Yes 8. What was your correspondence (if any) with the people suing you before you think you were being sued? None 9. What state and county do you live in? Ocean County, New Jersey 10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) 2018 11. When did you open the account (looking to establish what card agreement may be applicable)? 2013 12. What is the SOL on the debt? 7 years 13. What is the status of your case? Suit served? Motions filed? You can find this by a) calling the court or looking it up online (many states have this information posted - when you find the online court site, search by case number or your name). Suit served. I also have received Interrogatories, Notice to produce and Request for Admissions 14. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) No 15. Did you request debt validation before the suit was filed? Note: if you haven't sent a debt validation request before being sued, it likely won't help create FDCPA violations, but disputing after being sued could be useful to show the court that you dispute the debt ('account stated' vs. 'breach of contract'). No 16. How long do you have to respond to the suit? (This should be in your paperwork). If you don't respond to the lawsuit notice you will lose automatically. In 99% of the cases, they will require you to answer the summons, and each point they are claiming. We need to know what the "charges" are. Please post what they are claiming. Did you receive an interrogatory (questionnaire) regarding the lawsuit? I sent an answer via Solosuit and it was within the 30 day limit. Charges: 1. Barclays Bank Delaware allowed the defendant ( Last 3 of SS number) to borrow money, make purchases,obtain cash advances,incur late charges,and/or pre-charge off interest, upon a certain account number (Last 4 of account) in the amount of 10K. 2. The Plaintiff has purchased this monetary obligation under account number (last 4 of account). The chain of title to this claim is a follows: Barclays Bank Delaware, First Bank and Trust, CreditShop Holdings LLC, Velocity Investments LLC. Thus the Plaintiff is the assignee of the original creditor. 3. The Defendant has defaulted in repaying these monies and were thus unjustly enriched. 4. The Plaintiff hereby sues the Defendant for monies not repaid in the amount of 10K plus costs. I have received Interrogatories, Notice to produce and Request for Admissions. 17. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits. Nothing 18. How did you find out about this site? Duck Duck Go Hi guys, I'm completely overwhelmed. I'm on SSI as my sole income so money is tight as you can imagine. I already consulted with an attorney who specializes in debt issues and he wanted $2000 just to negotiate to a lesser amount ($2500-$4500), from a 10K demand. Ragan and Raga did send a settlement letter but there were no terms. I don't have the money to settle nor pay the lawyer mentioned above. What do you suggest I do next? Thank you for any advice!
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