gretchenNJ

I won again Midland Funding in Mercer County, NJ

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I had my court date last week, and I am updating this thread for those searching for what to expect:

So, I WON and have a dismissal with prejudice, so I can't even begin to write just how glad I am...couple of things about my experience:

A) It goes without saying that make sure you respond to all correspondence and file all answers in a timely manner

B) Stick to stating the facts, that's how I won my case, no need for a lot of verbage and legal mumbo jumbo

C) I was so pleasantly surprised with my whole experience. Most people don't know what to expect in court, and are nervous and expect the worst. First, the judge was very nice (contrary to what I had read about him, take everything you read online with a grain of salt, even this post) and he explained the process, and he wasn't intimidating at all. Second, the lawyer from the JDB was really nice too. I know this won't be the case with all people, but he was very courteous, and he listened to my case, he proposed a settlement, when I said I did not agree and explained why (SOL, lack of documents provided by Plaintiff) he proposed a second settlement. And when I explained again that I did not think that was correct either, he said that then they would not pursue it further and I got my dismissal. It was all done so pleasantly, I swear, we could have been talking about the weather.

D) Less is more. I let the Plaintiff lawyer do all the talking, I didn't admit anything, I simply stated that I needed the documents before I could agree to anything, documents that they didn't have. Again, I know this won't work for everyone, but my strategy was a calm, polite, and quiet demeanor and it won. I saw a belligerent defendant not get what they wanted, and I was lucky enough that I did.

AA

Edited by gretchenNJ
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Again, I know this won't work for everyone,

Very nice job !!

No, nothing works for everyone one hundred percent of the time, but what you just described will work the large majority of time. In fact, it was a perfect strategy and appears you played it perfect.

The other side a ton of the time (atty for them I mean), does not care. They are going to make their money a hundred times over on what they lose on the occasional litigant that fights back, with the ones that just pay.

The most important thing I read in your post was that you stuck to your guns and just demanded over and over again......................"PROOF"

That is what Midland and other junk debt buyers don't have !!!!!!

Again, nice work !!

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Hoping my outcome is like this! We are going to go in and just tell then we want proof and deny everything unless they can prove it is ours!. :) Nice job!

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I lived in Mercer Co for 8 years but never had the (dis)pleasure of using it's court system.

Now I live in the middle of freakin nowhere and if the JDB ever gets off their butt and has me served, I'll get to see how the Court of Common Pleas works.

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congrats!!!xdancex

JOB WELL DONE!!

QUESTION THOUGH - WAS THE DEBT A LOT? LIKE OVER $8,000 , DO YOU THINK THEY FIGHT MUCH HARDER WHEN THE DEBT IS HIGHER & MORE AT STAKE?

OR IS IT PRETTY MUCH THE SAME ACROSS THE BOARD.

I THINK I REMEMBER READING THEY TYPICALLY PAY MORE MONEY FOR THE LARGER DEBTS AND THEREFORE HAVE MORE DOCUMENTATION TO BACK UP THERE CLAIM. IS THIS TRUE??

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