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Hi, I've been reading over several threads that are similar to my situation but am still feeling confused and a bit overwhelmed. I'm wondering what my affirmative defenses should be, including Doctrine of Laches? Here are my details: 1. Who is the named plaintiff in the suit? Calvary SPV I, LLC 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Winn Law Group 3. How much are you being sued for? $1419.90, however, my credit report pulled on 10/23/17 has the balance charged off listed as "$464". Then, under that where Calvary took over the balance claimed is "$1420 with an original balance of $1450" 4. Who is the original creditor? (if not the Plaintiff) Synchrony Bank 5. How do you know you are being sued? (You were served, right?) Yes, yesterday at end of Super Bowl (2/4/17; Sunday) 6. How were you served? (Mail, In person, Notice on door) In person; still need to serve me (they filed against both my husband and me and "Does 1-10" as it was a joint account 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? debt "validation" packet including a Bill of Sale (with two dates on it - July 16, 2014 and Dec. 26, 2014), and 3 or 4 statements (dated 12/14, 6/14, 5/14); Notice of Intent to File lawsuit October 2017. 9. What state and county do you live in? Sacramento, California 10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) April 14, 2014 11. What is the SOL on the debt? 4 years 12. What is the status of your case? Suit served? Motions filed? You can find this by a) calling the court or looking it up online (many states have this information posted - when you find the online court site, search by case number or your name). Suit served. I have 30 days to answer 13. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) Yes because on some credit reports they are listing their account as a separate account from the OC making it look like I owe both the OC AND the JDB 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. Yes. Bill of sale, a spread sheet type thing with all of my account info and ~ 4 months worth of statements. 15. How long do you have to respond to the suit? (This should be in your paperwork). If you don't respond to the lawsuit notice you will lose automatically. In 99% of the cases, they will require you to answer the summons, and each point they are claiming. We need to know what the "charges" are. Please post what they are claiming. Did you receive an interrogatory (questionnaire) regarding the lawsuit? 30 days to respond 1.Account Stated 2. money lent 16. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits. Exihibit “A” ~ monthly statement from 4/14, listing last payment made on 4/14/14 My questions are these: 1) Can I use the Doctrine of Laches since they are filing so close to the SOL? When does the SOL start counting - when last payment was made or when first payment missed? Either way, my guess is that by the time a CMC is set the SOL will be up on this account. 2) The credit report dated 10/23/17 states clearly from the OC that the last balance was $464 and the "charge off balance" was $464. I think this might be a typo on either the OC or credit bureau's part but none the less it is stated clear as day on my report print out. Do I use this? 3) I'm overwhelmed because of the two actions listed there are 12 line items before it even gets to the first action of "Account Stated" and the second cause of action "Money Lent" with a total of 22 line items. I'm not sure how to respond to them and some even seem duplicates. They actually state in the second cause of action "19. Plantiff repeats and repleads and incorporates by reference the allegations made in Paragraphs 1 through 18 of this complaint. So do I have to respond to the 1-18 again, line by line? 4) Any help would be most appreciated! Here is the gist of their line items: 1. True names of Does 1 to 10 are unknown to Plaintiff (there are no other people on this account; just me and my husband) 2. All times, Defendants were the agents, servants and employees of each other (???) 3. Plaintiff is and was a LLC, authorized to do business in California 4. Plaintiff is a debt buyer - section 1788.50 of CA Civil Code 5. Section 1788.50 applies to this debt because it was purchased after January 1, 2014 6. Plaintiff is in compliance with Section 1788.52 - attached is Exibit A (which is a monthly billing statement dated 4/2014) "which demonstrates the debt was incurred by the Defendant" 7. Nature of debt is credit card agreement entered into by the charge off creditor and Defendant. Defendant obtained credit to use for the purchase of certain goods and services. 8. Name of Charge off creditor is Synchrony Bank FKA GE Capital and address listed along with charge off account number. 9. Name and last known address of Defendant is listed 10. Name of "all entities" that purchased the debt after charge off are: Calvary SPV I, LLC and address in NY 11. Plaintiff believes Defendants reside in city of Sacramento, state CA 12. Plaintiff informed Defendant in writing that it intended to file this action 13.Plaintiff repeats and repleads and incorporates paragraphs 1-12 14. the account was charged off at 1459.90 15. On Nov. 12, 2014, defendants were indebted to the charge-off creditor, synchrony bank, in amount of $1419.90. Defendant billed monthly and failed to dispute as required under FFBA 16. The date of last transaction or payment made on account was April 14, 2014 17. Prior to filing this complaint, all right title and interest in the account (acct number listed), was sold and assigned by Synchrony Bank to Calvary SPV and is the sole owner of the debt at issue 18. Plaintiff made demand on defendants for payment of that sum but no part of that sum has been made to plaintiff 19. Plaintiff repeats and repleads allegations made in paragraphs 1-18 (Second cause of action begins: MONEY LENT) 20. the account was charged off with balance of $1459.90 21. Within the last four years, Defendant became indebted to charge off debtor, Synchrony Bank in amount of $1419.90 22. The date of last payment made on account was April 14, 2014 23. Neither the whole or any part of the above charged off sum has been paid, although, payment has been demanded, owing to Plaintiff in the principal amount of $1419.90 and costs of suit Then, they list "For First Cause of Action": 1) Principal of damages in sum$1419.90 2) Costs of suit and; 3) such other relief as the Court may deem just and proper For the Second Cause of Action: 1) Principal damages in the sum of $1419.90 2) Costs of suit and; 3) Such other relief as the Court may deem just and proper