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Found 11 results

  1. Need help! I am being sued by midland funding and need advice. I have no assets and I am still in school. No real source of income. 1. Who is the named plaintiff in the suit? Midland Funding LLC 2. What is the name of the law firm? Midland funding LLC 3. How much are you being sued for? $749.38 4. Who is the original creditor? Citi Bank 5. How do you know you are being sued? My parents were served with papers at home where I no longer live. 6. How were you served? In person. 7. Was the service legal as required by your state? Yes. 8. What
  2. Hi everyone. Long story short, I am completely lost. I have no idea what to do and can't afford to pay Amex anymore. I was young and got into a lot of trouble financially and ended up using their card a lot more than i should have. I have tried to pay it off over time but the interest makes it impossible to pay off any portion of the actual debt . I was advised to not pay them anything anymore and hope that they move the debt to a collection agency where I could dispute it. That never happened. I received word that Amex filed a summons against me. The summons went unserved because I moved to a
  3. Good evening, I'm so glad I found this forum and hoping I can get some insight on how to handle this legal issue. I just received a priority letter (attached) from Discover stating that if I do not contact them by April 30th, they will obtain a lawyer to collect. The $3,000 debt has incurred fees and is now sitting at $3,600. Last year prior to having no choice but to let the debt go, I had an automatic payment plan setup for $60/month which was fine for a little over a year until I had medical problems. I knew that would be out of work soon so I picked my poisons and decided to pay of
  4. Back in 2013 I had successfully defeated BoA and FIA card services in court over an alleged credit card debt that was and isn't mine. These guys will not correct my credit report even after their lawyers stated they would in their stipulation of discontinuance of their suit against me after I won the case. Now I feel like I have no choice but to sue them in district court. I'm not entirely positive whether I should file a civil claim or a small claim against them for violations of the FCRA/FDCPA... So any advice I could get would be completely appreciated. I have defended myself in cour
  5. I need some advice on how to proceed. Had a CC debt with Bank of America and due to losing my job and not working for 3.5 years, I lost all my savings and unemployment. I tried to settle with Bank of America and they offered a settlement of $9000+ on a CC debt of $16k. I did find a job and offered them $200 a month to pay off the settlement but that wasn't good enough. They wanted 3 consecutive payments of over $3000 which if I was able to pay this, I wouldn't be in this situation!! So we left it at the original amount having no luck reasoning with them. I filed a complaint with the FTC
  6. Hello, I am being sued by Resurgence Legal Group. I answered the summons within the 30 days timeframe. I denied all allegations and requested for debt validation with the following information: A copy of the original application with my signature for the alleged debt How much was the debt purchased for? Provide a fully itemized statement for the amount you are asking which clearly details how this amount over the amount that was paid for this debt was calculated, including the interest rate being charged. Confirm that this fate falls within state usury limits. They responded with: Below
  7. Received a dunning letter from ARS National Services, Inc., PO Box 463023, Escondido, CA 92046-3023 It looks a LOT like this letter: http://www.creditinfocenter.com/community/topic/286881-should-i-settle-please-help/ You can see thier site at arsnational dot com I am trying to decide if I should settle or not. I don't have much time left to take them up on their 50 cents on the dollar offer. May 20th is the deadline for them to receive payment. For the first step, I am thinking of sending them a DV letter. Thier first letter to me is dated April 30, 2013 and offers the 50% deal if
  8. Hi everyone, I got a letter in the mail yesterday from a local attorney office stating that I am being sued for money due. This attorney office wants to represent me but I have NOT been served papers yet. I went to the Court website and i see the case was filed May 9th 2013, There is no court date and no papers have been served. I have not owned a credit card in over 6 years. Isn't this debt passed the Statute of Limitations? I recently bought a house in 2011 and I'm guessing they must see that as assets they can seize to pay this debt. I don't understand why this came up all the sudden? I
  9. *UPDATE - UPDATE - UPDATE* Looks like Midland is requesting to dismiss the case! See Post #20... Ok, my trial is set for May 24, 2013 (Civil Trial Assignment). Seventeen days away. I've pretty much done things half-heartedly up til now - and now I'm a mess. Yes, my own fault in not attacking this thing head on. Today I tried to file a Graduated Sworn Denial on Account and the clerk said that "Never seen one of these before, this looks like an Answer...we can't file this" she had me confused when I left the courthouse empty handed and back home feeling downtrodden. Since I don't feel li
  10. Was wondering if anyone has suceesfully used the Delaware Choice of Law provision to invoke the 3 year SOL as opposed to the California 4 years SOL. I have an alleged debt and it is about 8 months out of the 4 year SOL. I am expecting the CA to file suit any day now and have been reading up on possible strategies.
  11. I'm new to this forum. I'm seeking a little help because I'm also new to dealing with collection agencies. I'm sending Midland Funding, LLC a ITS letter but I want to send them a copy of the unfiled motion(not sure if I'm saying that right . Soo my first question... On the court form it says "The PLAINTIFF must file a small claim action in the county where at least one of the defendants resides" Does this mean I need to file a small claim action in San diego where their head quarters are or can I file in my county?