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  1. Greetings all! Here is my new case - yay me! I've been doing research on the difference between a verified and non-verified complaint and if I understand things correctly, in California I am allowed to answer using the General Denial because the Complaint is from the actual creditor and it is under $25k. Please let me know if I have misunderstood things or if anything I do needs to be different because it is a verified complaint. Also from what I could dig up online, there is an arbitration clause electing AAA - with wording about Barclay covering the fees. Besides sending out the BOP and filing the Answer/POS, what suggestions do you all have on moving forward with this case? Anyone out there who has dealt with this lawfirm before? My other case is a JDB so this seems a bit more scary! Thanks in advance all! Who is the named plaintiff in the suit? Barclays Bank Delaware What is the name of the law firm handling the suit? Nelson & Kennard - Sacramento How much are you being sued for? Under $10k Who is the original creditor? Barclays Bank Delaware How do you know you are being sued? Served How were you served? In person Was the service legal as required by your state? Yes What was your correspondence (if any) with the people suing you before you think you were being sued? None that I recall What state and county do you live in? Riverside, CA. When is the last time you paid on this account? According to the Complaint August 2018 What is the SOL on the debt? 4 years What is the status of your case? Complaint filed - service made but not recorded yet. I have not answered yet. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) No Did you request debt validation before the suit was filed? No How long do you have to respond to the suit? 30 days What evidence did they send with the summons? None. The only attachments were the Verification from the Attorney and generic court docs about the ADR process.