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Hello, First of all thank you to all who post answers. I have gotten this far by help from prior posts. I have received a response to both by form interrogatories and BOP. I detail everything below. My question is, now what direction do I take? I will be replying to plaintiffs interrogatories and request for admissions, but then what? Thanks in advance! 1. Who is the named plaintiff in the suit? Portfolio Recovery Associates, LLC 2. What is the name of the law firm handling the suit? Portfolio Recovery Associates, LLC 3. How much are you being sued for? $22,000.00 4. Who is the original creditor? Chase Bank 5. How do you know you are being sued? Served with summons 6. How were you served? In person 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? A phone call to try to settle with no results 9. What state and county do you live in? California 10. When is the last time you paid on this account? Within SOL… June 2010 11. What is the SOL on the debt? 4 years 12. What is the status of your case? Suit served upon me, general denial Answer sent with affirmative defenses, followed by demand for BOP and “form” interrogatories. Plaintiff has responded with a year and a half of bank statements, a BOS (unintelligible signature), objections to many interrogatories as being vague, a verification of statements from plaintiff’s employee as ‘custodian of records”, and generic “change in terms notice” and customer agreement. 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? Responded within time frame. Plaintiff is claiming account stated on an account assigned praying for damages of $22,000.00. Did you receive an interrogatory (questionnaire) regarding the lawsuit? Not initially. I only received the summons and complaint with no supporting documentation. I received documentation only after I submitted BOP and interrogatories. Plaintiff has also sent a letter offering a settlement amount of $16,000.00. 16. What evidence did they send with the summons? No exhibits were submitted with summons. After I sent a demand for BOP and “form” interrogatories, plaintiff has responded with 1 and 1/2 year of bank statements, a BOS (unintelligible signature), objections to many of my interrogatories as being vague, ambiguous and unintelligible. Plaintiff also has sent “Verification” of interrogatory responses from plaintiff’s employee as ‘custodian of records” and generic “change in terms notice” and customer agreement (no names or signatures). Plaintiff has also sent a letter offering a settlement amount of $16,000.00. Plaintiff has since sent Request for admissions and interrogatories. With help from prior posts, I will respond to both. At this point, however, what direction do I take now? Thanks!