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Hi Everyone, A BIG thank you for all of you who have been so helpful thus far. I hope and pray you are all doing well. I have started a new thread for this part of my journey against Asset. Here is a link to previous post: http://www.creditinfocenter.com/community/topic/319510-asset-acceptancehsbc-summons-received-in-mi-next-step/page-2 I filed my answer March 22. received the Notice to Appear for Pre-Trial conference on April 29. With my answer I submitted the DV letter I had sent (regular mail, I know, STUPID!!), so the Judge will at least know I had done something. I heard from peanutrs that I should file an affidavit, as stated: "Just want to make sure you do your own AFFIDAVIT and make sure you file it right away. If you don't respond (file) an affidavit denying everything, then it is easy for the Plaintiff to get a "account stated" claim." If this is something I need to do, let me know. I thought that filing my answer denying all, and affirmative defenses, along with the DV letter I had sent out was all I needed to do until I received the Notice for the pre-trial conference. What should I do to prepare for the conference as far as paperwork and such? Thanks again, buddyapple