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Hello, i hope all is well. I'm writing this post today to ask for advice from anyone that has knowledge about or experience with JDB's or even with Unifund/Kenosian for that matter This past weekend i received this letter in the mail from Kenosian and Miele on behalf of Unifund CCR, LLC. The letter was dated 8/9/2019, today is 8/19/2019. I've been digging through the internet for as much information as possible but i still would like an experienced outside opinion as well. Should i dispute? Should i prepare myself to go to court? I haven't been summoned as of right now but i want to be proactive about this and acquire as much knowledge as possible. This is my first time encountering a JDB and i just want to make sure i'm taking the right precautions before i make any decisions. Thank you for your time. Hope someone can help.

Hello, I am being sued by the law firm Kenosian & Meile on behalf of Unifund. I received a summons and I recently answered with a proof of service. I just received the following documents; PLAINTIFFS REQUEST FOR PRODUCTION OF DOCUMENTS, SET ONE REQUESTS FOR ADMISSIONS Unfortunately after keeping my records for six years I finally destroyed all of them. Also, I threw away all correspondence with Kenosian because I thought it was a scam. I don't know what I should admit to. 1. Admit you applied for a credit card from Citibank 2. Admit you received a credit card 3. Admit you made payment within the last four years. I did not!!! 4. Admit you became delinquent/ 5. Admit you left a balance. 6. Admit you received statements regarding citibank. I haven't in the last six years (except collection notices). 7. Admit that the balance due as of June was ____. This is the same balance for the last six years. 8. Admit that at all relevant times, Plaintiff has had and now has all rights, title, interest and sole ownership to Citibank. I do not have any paperwork or proof as sale that states that. If anyone has any experience in this matter I would appreciate the the help.