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So I was getting calls from scammers for awhile but as of the last few months, maybe 4 to 5 months, they’ve stopped. Just yesterday I got a voicemail from a woman. I have copied the voicemail from the transcription so some of the words may be off but it gets the point across I think. “this is Tosha Brown I'm contacting you regarding your pending claim being filed I do have to make you aware once claim number (number omitted) is completed it will become a matter of public record and there will be an order of location issued for you requiring a signature on your behalf since I was unable to reach you by phone today and I've been instructed to contact your employer as it does seem like this can be the next possible place of location for you. now you have a legal right to contact the office thats handling your claim once your claim is officially filed all other options are to be forfeit. the number provided on the paperwork to contact them is 833-734-2881 you are being notified by telephone and you will be located unless contacted otherwise.” They apparently called 2 of my friends (past roommates) as well, saying it was Enterprise and they gave them the same claim number. Like I said, I’ve dealt plenty with scammers and if I had just gotten the voicemail not followed by my two friends calling claiming they were contacted as well? I would’ve ignored and written it off immediately as a scam. But they’ve never contacted anyone else I knew before so it’s different. I’ve gotten advice from many intelligent individuals here before so I thought no harm in asking again. Thanks

So I received a voicemail yesterday around 2 o’clock and again today around 11 both from a No Caller ID. Both went to voicemail and left very similar messages. I didn’t think much of the first as I’ve gotten somewhat similar calls in the past and deleted the voicemail. But the one today went something like this. “This message is for [my name] this is Erica Scott contacting you again in reference to the certified documentation that requires your signature. [My name] I have failed to receive a stop action notice from the filing party regarding your paperwork so unless I receive a stop action please make sure you will be available to sign for your paperwork either at your residence or place of employment by tomorrow.” They did leave a supposed number for the filing party but I looked it up and got nothing back on numerous websites. Other than the name provided there was no other reference to what it was about, who they were or who this “filing party” is. Is this a scam? It sounds like one. I haven’t received anything in the mail referring to any kind of debts or legal matters. I also checked courts.mo.gov for anything filed against me and nothing. I have yet to fall for any phone scams as I have taken it upon myself to never believe them and just simply never answer the calls and never call them back. Only real difference is most of the time they don’t leave as long of voicemails as this and the call came up as No Caller ID. I can usually trust my instincts comfortably but I also can usually look up the number that called and see a list of scam reports for some extra peace of mind. Thanks in advance.

So I just got back from court with ceeeyeare and they had nothing (IMO)— no original document, no witness...just his tablet with some images of letters with my address on them that he said were proof that I was making payments on that account (I asked him if he had the actual letters and he said he didn’t need them, that “that’s not how it works”. I told him, unless he has original docs, that we had nothing more to discuss. This all happened before the actual trial, btw. Anywho, by the time the trial actually got underway, he started by asking the judge for an extension due to the fact that his witness could not make it...the judge granted that request EVEN AFTER asking if there was any explaination as to why the witness was a no-show with the lawyer unable to offer ANY reason whatsoever. Am I wrong in assuming this is all BS on the lawyer’s behalf? That he has NO proof that I owe this debt? I digress... at that point I asked the judge for a dismissal on the grounds of insuffient evidence on the plaintiffs part but the judge shot me down and I agreed to a new date in late July. I think I should have probably asked if it was possible (or demanded) to just continue the trial right then and there but I didn’t think to do so, at the time unfortunately. Does anybody have any thoughts on how this went down or what I should do or expect the next time out? I appreciate any input...thanks all!?

Hi. I have to go to court next week to defend myself against a Motion for Summary Judgement from Midland Funding. I have never been to court and do not know what to expect. Following is link to the Complaint, my Answer, Plaintiff's Motion for Summary Judgement and my Objection to Motion and Request for Documents. Also please see my responses to common questions below. Thank you in advance for any advice you might offer. *******EDIT - If you can't open files below see other link in my next post below ************ Complaint: https://www.evernote.com/shard/s447/res/9d65396d-9099-4f47-9436-1b3c79784d0b My Answer to Complaint: https://www.evernote.com/shard/s447/res/41cff245-a48c-4b0c-b1ae-0c2c479497d7 Plaintiff’s Motion for Summary Judgement: https://www.evernote.com/shard/s447/res/4ea10ea3-a221-4f66-99bb-f4ff5f7e9010 My Objection to Motion: https://www.evernote.com/shard/s447/res/3d47dcdc-fe54-421f-9ab7-54ee5fd7cf9f My Request for Documents: https://www.evernote.com/shard/s447/res/82843a43-805b-4e74-8b54-355e4c1bdd4f 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.) Lustig, Glasser & Wilson from Massachusetts 3. How much are you being sued for? $1527 (about $315 of that is fees tacked at charge off) 4. Who is the original creditor? (if not the Plaintiff) GE Capital Retail Bank (TJ Maxx credit card) who then sold to Synchrony Bank 5. How do you know you are being sued? (You were served, right?) Yes, served - see below- 6. How were you served? (Mail, In person, Notice on door) Husband answered door and was given papers while I was upstairs 7. Was the service legal as required by your state? I believe so, yes Process Service Requirements by State - Summons Complaint 8. What was your correspondence (if any) with the people suing you before you think you were being sued? None with me but my 11 year old son may have answered a call from them once 9. What state and county do you live in? RI 10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) Never did. Called in TJ Maxx in December just around Christmas to pay bill but I was told I could not as it had just been charged off. 11. What is the SOL on the debt? To find out: 10 years in RI Statute of Limitations on Debts 12. 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). Served and I answered complaint. Midland immediately sent Motion for Summary Judgement. I filed an Objection to Motion for SJ and I requested Documents. Hearing for Motion is next week, 9/22/16. 13. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) No 14. Did you request debt validation before the suit was filed? Note: if you haven't sent a debt validation request, don't bother doing this now - it's too late. NO 15. 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? No Questionnaire. Re: Midland’s claims, please see the link to Complaint below as there are 18 counts Here is an example of what the summons/complaint may look like: Sued by a Debt Collector - Learn How to Fight Debt Lawsuits 16. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits. Affidavit 1: “Legal Specialist” with access to records for Midland Credit Management Affidavit 2: “Affidavit Documentation Specialist” of Synchrony Bank Bill of Sale Seller Data Sheet A last document that looks like a TJ Maxx bill with total amount charged off

I think I may have found some important information for those dealing with JDBs in Wisconsin. I've been reading the boards for a while and recently read a Marquette Law Review on responding to admissions, interrogatories and documents. I was hoping for some feedback on my answers with this new information. First questions: what is the criteria for determining the "specificity" of the denial? Are the denials that I give in the following post considered "specific"? Many users on this board have cited lack of information or belief in refusing the admit or deny. I am assuming that in states other than Wisconsin this is an acceptable response. In my following post, you can see that I have not used this phrase. I have, however objected to some of the requests, please see the following information Second question: Are the objections I raised in the following post sufficient? Third question: I put my defenses after all of my responses. Are my defenses formatted correctly? I would like to use the defenses that TrueQ pointed out in Midland Funding / Kohn / Wisconsin Mainly WI 425.104 & 105, WI 425.109, and WI 422.409 Fourth question: Considering that we are in Discovery now (I think), is it prudent to elect arbitration or JAMS? Fifth question: Considering that we are in Discovery now (I think), should I file a MTD? And if so, on what grounds? I hope this information is helpful to anyone dealing with JDB in Wisconsin, and any information would be most helpful!