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I provided the State of Michigan court (e.g., state district court) with an answer to a complaint brought against me by Midland Credit Management LLC. The answer to the complaint also stated my affirmative defenses which were: (1) Stale Affidavit pursuant to MCL 600.2145. I am relying on this affirmative defense because the affidavits provided by the plaintiff were over 200 days old which is beyond the 10 day timeframe in the state of Michigan pursuant to MCL 600.2145. (2) Arbitration Agreement Bars Bringing Suit. I am relying on this affirmative defense because after looking over th
Greetings, A Law firm named Berndt & Associates representing Jefferson Capital Systems LLC, whom bought the debt from Fifth Third Bank sent me a letter the end of this past summer trying to collect a credit card debt. I sent the firm an email provided on the law firm's website (firstname.lastname@example.org) stating that I can not afford to pay them, due to me having health issues, barely able to work part time and I just scrape by month to month (the letter was a couple of paragraphs and more explanatory). I sent it in text form as well as an attached PDF. I never received any type of r
Hello all, Thanks in advance to all those who help. You are appreciated. Am I allowed to ask a question that isn't debt collection related? If not, I do apologize and feel free to delete this post. Here is my question: 1. I attempted to sue a corporation in a Michigan district court. The defendant was never properly served but the summons is still valid. 2. The corporation I wanted to sue then turned around and filed a small claims suit against me. 3. I was properly served, made a successful request to have the case moved into district court, filed an answer to the complaint liste