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What if they really don't have an affirmative defense?


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If a Defendant's response to a complaint is:

1 - Complaint is in whole or in part barred by SOL and

2 - Plaintiff failed to state cause of action

What is the correct course of action? Basically, since the statute is clear about the time in which to bring a claim, do I file a MSJ based on their failure to state an affirmative defense? Or is that an issue of fact to be determined at trial?

Thanks, Nef

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Think of it this way; there are NO facts unless entered into the record. If the plaintiff's complaint fails to state a cause of action, then the action can be dismissed by motion.

If you proffer an affirmative defense, that would be a question of fact yet to be established UNLESS the conditions are already admitted to by the plaintiff. For example, the plaintiff states somewhere in his complaint that you last made payment in 1999 (and the SOL has expired based on that date). Since the plaintiff has admitted that FACT, the action could be dismissed on motion. If the question of SOL is not proven, or admitted to, then you have to offer proof that can be entered as evidence.

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No, the exact dates or approximate dates are all in the complaint. Their position is that even though I cite FCDPA violations within the last year the fact that I also mention violations from previous years (only done to show persistance and establish willfull disregard for the law) means that the FDCPA SOL has run. Their attorney said that the clock starts ticking on the FDCPA at the first violation and once that SOL expires they get a free pass on future FDCPA violations. Can you believe that?! Okay, I just wanted to make sure that I wasn't missing an opportunity to get an early judgement based on his lack of actual defenses.

Thanks RA!

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Their attorney said that the clock starts ticking on the FDCPA at the first violation and once that SOL expires they get a free pass on future FDCPA violations. Can you believe that?!

Sounds like a false or misleading statement in an attempt to collect a debt.

Add another cause of action. :)

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