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Houed01

PLEASE HELP! Being sued by Equable Ascent Financial

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Hello guys

I've desperately been looking for some help and ran across this wonderfull forum. I'm being sued by a JDB And plan on fighting back, the stories I've read here have given me courage to do it on my own (well with YOUR HELP) and not hire a attorney.

They did not supply any account number nor the bank the I owe money ( I honestly am not aware of what bank it might be) it just states "credit agreement (the contract) (the issuer)"

ANY HELP WILL BE GREATLLY APRICIATED.....Thanks in advance.

1. Who is the named plaintiff in the suit? EQUABLE ASCENT FINANCIAL LLC

2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Dang G. Young

3. How much are you being sued for? $2,893.48

4. Who is the original creditor? (if not the Plaintiff) Not sure

5. How do you know you are being sued? (You were served, right?) Served

6. How were you served? (Mail, In person, Notice on door) Guy came several times until he handed the papers to me in person

7. Was the service legal as required by your state? I assume it was...

8. What was your correspondence (if any) with the people suing you before you think you were being sued? Yes, I found out trough attorneys advertising to help me because I was being sued.

9. What state and county do you live in? TEXAS, HARRIS COUNTY

10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) UNKNOWN

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 B) looking it up online (many states have this information posted - when you find the online court site, search by case number or your name). I believe it is (suit served) not really sure I tried looking it up online but had no luck

13. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) NO

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. NO

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? It states "Monday next after the expiration of (10) days after the date of service of this citation" was served 9/29/12. Called the county clerk and she said I have until the October 15 to file a response

16. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits. NOTHING

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So Dan Young is still at it, eh? Filing suits with absolutely nothing, not only zero documents attached to try to show they own the debt but not even the name of the OC or an account number. Secondly, I would almost bet my life that he never sent you a dunning letter, per TRCP, up to 30 days prior to filing the suit claiming that Equable Ascent owns the debt either. I don't know how many butt-kickings this guy needs before he finally throws in the towel!

Don't do anything yet.

Do any of the paragraphs on the lawsuit papers say "Account Stated"?

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Who is the original creditor?

Look on your credit report to see the date the account was opened and the year of the default and then post back and let us know.

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Which court are you being sued in? Is it the right venue?

Im in Harris county as well.

Alot of cases get filed in wrong venues here I found out.

( ie near where you live?) One of ours is in the wrong venue ..downtown and we are having them refile. Mine is in the right one.. JP court pct 4.

After I answered the general denial, the Judge sends out a letter for mediation date ( both parties have to agree to mediation...or else it goes to court trial date, but that court date is months away.) I was told friday Mediation is not going to happen in October or even November in all likelihood.

First I have to do answers to the court papers the Attny sent for Equable. and I have to do my discovery to them as well ( I was served on 9/25 so I m right ahead of you in scheduling)

We have 50 days to get our answers in to the attnys, so you still have time to read and learn.

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@texasrocker - No it states in FACTS: "defendant entered into a credit agreement (the "Contract") with plaintiffs predecessor(s) ("the Issuer").

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@texasrocker - No it states in FACTS: "defendant entered into a credit agreement (the "Contract") with plaintiffs predecessor(s) ("the Issuer").

It would be somewhere farther down than that or possibly even on a later page. One paragraph probably starts with "Breach of Contract." Another may start with "Account Stated." Read the whole thing, I need to know if it says "Account Stated" anywhere.

WAMU was taken over by Chase Bank in Sept. of 2008.

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It would be somewhere farther down than that or possibly even on a later page. One paragraph probably starts with "Breach of Contract." Another may start with "Account Stated." Read the whole thing, I need to know if it says "Account Stated" anywhere.

WAMU was taken over by Chase Bank in Sept. of 2008.

I've read it carefully and nowhere does it mention "account stated" just "contract". I need to check my credit report..... The problem is that is that I have 3 credit cards that I stopped paying when the economy collapsed. So it's hard to tell which one is it. I appreciate your prompt response and help. Thanks

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OK, Here is what you need to do-

Include a general denial in your answer but you must answer each item. Do not admit to any item pertaining to the account. The only things you should admit to are your name and address and/or one that says something about that you are not currently in the military.

Caption the document exactly the same as the complaint that you were served with. The caption will include the name of the Texas court, names of the parties and the cause number.

Title the document "Defendant's Original Answer". Under the title write a brief paragraph stating "Comes now the Defendant and files his/her Answer in the above-entitled matter and in support thereof states as follows:

The Defendant generally denies, pursuant to Rule 92 of the Texas Rules of Civil Procedure, each and every, all and singular, of The Plaintiff's allegations.

Create numbered paragraphs correlating to each allegation found in the complaint. For each paragraph state "Defendant denies the allegation found in paragraph one of Plaintiff's Complaint" and so on for each allegation. (for the one or two items that may ask to admit your name and/or address and to admit that you are not currently in the military just put "Admit." without quotation marks of course.)

Finish the document by stating "Defendant prays that the Court deny The Plaintiff's Complaint and for all other relief just and proper in the premises".

Add a certificate of service clause indicating that you have served a copy of the answer on the plaintiff. A certificate of service clause states "I hereby certify that a true and accurate copy of the foregoing Answer was served on _________(plaintiff's attorney) on this the ____ day of _____, 2012 by mailing a copy USPS certified mail to the following address:_____"

Create a signature line and sign the document and print your name, address, and phone number.

Since they did not attach anything to their original petition to "prove" that they own the debt file a Plea to the Jurisdiction at the same time you send your answer. You can title it "Defendant's Original Answer and Plea to the Jurisdiction" Again, caption the document in proper court format including the name of the Texas court, names of the parties and the cause number. Center the paragraph headings. Copy this word-for-word and file it at the same time you file your answer. Send a copy via certified mail to Dan Young.

PLEA TO THE JURISDICTION

Grounds for Dismissal for Lack of Standing

This is a lawsuit arising out of an alleged consumer credit card debt. Plaintiff, is not a financial institution, original creditor, lender, or issuer of any credit card. Instead, Plaintiff alleges "defendant entered into a credit agreement with plaintiffs predecessor". See Plaintiff's Original Petition, paragraph 6.* The Defendant finds it preposterous that anyone could file this lawsuit with absolutely no knowledge of the name of the original creditor or account number and no evidence attached to indicate that the alleged account ever existed. There is no allegation or statement as to who was the seller, and there is no way from these pleading to determine if Plaintiff purchased the account from anyone in the chain of title, and no way to determine what rights, if any, the Plaintiff has to bring suit.

A plaintiff who seeks to sue based on rights acquired by an assignment must plead and prove up the assignment. Ceraminc Tile Intern., Inc, v. Balusek, 137 S.W3d 722, 724 (Tex. App, – San Antonio 2004, no pet.); Delaney v. Davis, 81 S.W.3d 445, 448-49 (Tex. App, – Houston [14th district] 2002, no pet.). Plaintiff has not done either.

If Plaintiff is the assignee and rightful owner of the debt, this should be very easy for Plaintiff to allege and prove, yet Plaintiff avoids and dodges the issue, when such issues cannot wait until trial. Without a pleading of an assignment and admissible evidence of the assignment, there is no subject matter jurisdiction and this case must be dismissed. Whether plaintiff has standing to bring this lawsuit is a threshold issue that should be resolved at the onset, and the instant plea to the jurisdiction is a proper means by which to address this threshold question.

Legal Standards for a Plea to the Jurisdiction

The purpose of a plea to the jurisdiction is to dismiss a cause of action without regard to whether the underlying claim has merit. Bland ISD v. Blue, 34 S.W.3d 547, 554 (Tex. 2000). The plea challenges the court's power to adjudicate the subject matter of the controversy. Texas DOT v. Arzate, 159 S.W.3d 188, 190 (Tex.App. – El Paso 2004, no pet.), Axtell v. University of Texas, 69 S.W.3d 261, 263 (Tex.App. – Austin 2002, no pet.).

Standing is a basic requirement of the judicial system and goes directly to the court's subject matter jurisdiction over a case. It may be raised at anytime and, unlike a challenge to a party's capacity to sue, cannot be waived or presumed. Nootsie Ltd. v. Williamson County Appraisal District, 925 S.W.2d 659, 661-662 (Tex. 1996), Continental Coffee Products v. Cazarez, 937 S.W.2d 444 n.2 (Tex, 1996). A plea to the jurisdiction is the proper way to challenge a party's lack of standing. Waco ISD v. Gibson, 22 S.W.3d 849, 850 (Tex. 2000).

The plaintiff must come forward with sufficient evidence to demonstrate that there is at least an issue of fact as to the existence of jurisdiction. Texas Department of Parks and Wildlife v. Miranda, 133 S.W.3d 217, 227-228 (Tex. 2004). The court should grant defendant's plea to the jurisdiction because on the face of the petition, it is clear that the plaintiff is not the original creditor, which therefore puts standing at issue and it is certain that this Plaintiff will not come forward with admissible evidence of standing to bring the lawsuit.

Add that you hereby certify that you sent the plaintiff's attorney via USPS certified mail (his/her name, address, date) a true and correct copy of your answer and plea to the jurisdiction, sign it and print your name, address, and phone number.

*Edit this part to reflect exactly how they worded that they purchased and/or own the account.

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OK, Here is what you need to do-

Include a general denial in your answer but you must answer each item. Do not admit to any item pertaining to the account. The only things you should admit to are your name and address and/or one that says something about that you are not currently in the military.

Caption the document exactly the same as the complaint that you were served with. The caption will include the name of the Texas court, names of the parties and the cause number.

Title the document "Defendant's Original Answer". Under the title write a brief paragraph stating "Comes now the Defendant and files his/her Answer in the above-entitled matter and in support thereof states as follows:

The Defendant generally denies, pursuant to Rule 92 of the Texas Rules of Civil Procedure, each and every, all and singular, of The Plaintiff's allegations.

Create numbered paragraphs correlating to each allegation found in the complaint. For each paragraph state "Defendant denies the allegation found in paragraph one of Plaintiff's Complaint" and so on for each allegation. (for the one or two items that may ask to admit your name and/or address and to admit that you are not currently in the military just put "Admit." without quotation marks of course.)

Finish the document by stating "Defendant prays that the Court deny The Plaintiff's Complaint and for all other relief just and proper in the premises".

Add a certificate of service clause indicating that you have served a copy of the answer on the plaintiff. A certificate of service clause states "I hereby certify that a true and accurate copy of the foregoing Answer was served on _________(plaintiff's attorney) on this the ____ day of _____, 2012 by mailing a copy USPS certified mail to the following address:_____"

Create a signature line and sign the document and print your name, address, and phone number.

Since they did not attach anything to their original petition to "prove" that they own the debt file a Plea to the Jurisdiction at the same time you send your answer. You can title it "Defendant's Original Answer and Plea to the Jurisdiction" Again, caption the document in proper court format including the name of the Texas court, names of the parties and the cause number. Center the paragraph headings. Copy this word-for-word and file it at the same time you file your answer. Send a copy via certified mail to Dan Young.

PLEA TO THE JURISDICTION

Grounds for Dismissal for Lack of Standing

This is a lawsuit arising out of an alleged consumer credit card debt. Plaintiff, is not a financial institution, original creditor, lender, or issuer of any credit card. Instead, Plaintiff alleges "defendant entered into a credit agreement with plaintiffs predecessor". See Plaintiff's Original Petition, paragraph 6.* The Defendant finds it preposterous that anyone could file this lawsuit with absolutely no knowledge of the name of the original creditor or account number and no evidence attached to indicate that the alleged account ever existed. There is no allegation or statement as to who was the seller, and there is no way from these pleading to determine if Plaintiff purchased the account from anyone in the chain of title, and no way to determine what rights, if any, the Plaintiff has to bring suit.

A plaintiff who seeks to sue based on rights acquired by an assignment must plead and prove up the assignment. Ceraminc Tile Intern., Inc, v. Balusek, 137 S.W3d 722, 724 (Tex. App, – San Antonio 2004, no pet.); Delaney v. Davis, 81 S.W.3d 445, 448-49 (Tex. App, – Houston [14th district] 2002, no pet.). Plaintiff has not done either.

If Plaintiff is the assignee and rightful owner of the debt, this should be very easy for Plaintiff to allege and prove, yet Plaintiff avoids and dodges the issue, when such issues cannot wait until trial. Without a pleading of an assignment and admissible evidence of the assignment, there is no subject matter jurisdiction and this case must be dismissed. Whether plaintiff has standing to bring this lawsuit is a threshold issue that should be resolved at the onset, and the instant plea to the jurisdiction is a proper means by which to address this threshold question.

Legal Standards for a Plea to the Jurisdiction

The purpose of a plea to the jurisdiction is to dismiss a cause of action without regard to whether the underlying claim has merit. Bland ISD v. Blue, 34 S.W.3d 547, 554 (Tex. 2000). The plea challenges the court's power to adjudicate the subject matter of the controversy. Texas DOT v. Arzate, 159 S.W.3d 188, 190 (Tex.App. – El Paso 2004, no pet.), Axtell v. University of Texas, 69 S.W.3d 261, 263 (Tex.App. – Austin 2002, no pet.).

Standing is a basic requirement of the judicial system and goes directly to the court's subject matter jurisdiction over a case. It may be raised at anytime and, unlike a challenge to a party's capacity to sue, cannot be waived or presumed. Nootsie Ltd. v. Williamson County Appraisal District, 925 S.W.2d 659, 661-662 (Tex. 1996), Continental Coffee Products v. Cazarez, 937 S.W.2d 444 n.2 (Tex, 1996). A plea to the jurisdiction is the proper way to challenge a party's lack of standing. Waco ISD v. Gibson, 22 S.W.3d 849, 850 (Tex. 2000).

The plaintiff must come forward with sufficient evidence to demonstrate that there is at least an issue of fact as to the existence of jurisdiction. Texas Department of Parks and Wildlife v. Miranda, 133 S.W.3d 217, 227-228 (Tex. 2004). The court should grant defendant's plea to the jurisdiction because on the face of the petition, it is clear that the plaintiff is not the original creditor, which therefore puts standing at issue and it is certain that this Plaintiff will not come forward with admissible evidence of standing to bring the lawsuit.

Add that you hereby certify that you sent the plaintiff's attorney via USPS certified mail (his/her name, address, date) a true and correct copy of your answer and plea to the jurisdiction, sign it and print your name, address, and phone number.

*Edit this part to reflect exactly how they worded that they purchased and/or own the account.

Ok, Thanks a MILLION!!

One more question.... At the beginning of "Plantiffs original petition" states this:

"Plantiff, EQUABLE ASCENT FINANCIAL, LLC complains of defendant, xxxxxx, and would respectfully show the following:

DISCOVERY

1. Plantiff intends that discovery be conducted under Discovery Level 1

SERVICE

2. Plantiff is EQUABLE ASCENT FINANCIAL, LLC, whose business address xxxxxxx. Plantiff may be contacted trough it's undersigned attorney of record.

3. Defendant may be served at xxxxxxxxx"

What should I answer for the first 2 paragraphs?

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@linda7 - I'm most likely sure is WASHINGTON MUTUAL. Last time I made payment was like 1 1/2 almost 2 yrs

Look at your credit report and see what year it was opened.

Also, look for Washington Mutual or maybe even Providian.

Depending on which one - you might have a good arbitration provision.

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The instructions the court sent for the basic answers was enough for my courts, the denial I mean. I used texas rockers plea to the jurisdiction as well on a separate page. And I included my page for insolvency and the fact I was on social security which makes my income garnish free.

In fact in texas, our income is not available for garnishment. Although they can get our goodies supposedly ( like a lien against your lake house and your four runners and your bass boats ... as if you have all that when you are in debt!)

You need to tell them they filed in the wrong jurisdiction. I dont know how that is worded. But apparently simple english is fine in texas courts. I went to the court house and asked how to word my answers and the clerks helped.

The court will re route the suit to the right one ( or dismiss it and make plaintiff refile?) But it makes it harder on plaintiff, and easier on you/. I find it easier to file papers in person at my neighborhood court house. I get them stamped and then go mail copies to the Plaintiff.

After I filed the answer, the judge sent out the mediation letter alm ost same day. My case info is at this thread if you want to read... ( it starts out goofy cus I didnt know what I was doing and gets a lil better.) You can PM me when you have 10 posts, so just go posting in here and there.. Ill be happy to share what I ve learned.

I m going to legal aid in downtown so I might learn more info next week. and if you want you can go to my case when it happens to watch.. Dont mind. I m a wamu refugee. They have to prove that I had Wamu and then had chase and then it was sold to equable. My attornery suing showed nothing and wants Me to prove it. I was told by court to just write deny to anything I didnt have or agree with,. The LESS info the better to them was what the clerk said.

Forgot the link. duh.

http://www.creditinfocenter.com/forums/there-lawyer-house/316716-texas-answering-suit-debt-attorney-equable.html:?

Edited by dwalt2400
to add link

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Ok, Thanks a MILLION!!

One more question.... At the beginning of "Plantiffs original petition" states this:

"Plantiff, EQUABLE ASCENT FINANCIAL, LLC complains of defendant, xxxxxx, and would respectfully show the following:

DISCOVERY

1. Plantiff intends that discovery be conducted under Discovery Level 1

SERVICE

2. Plantiff is EQUABLE ASCENT FINANCIAL, LLC, whose business address xxxxxxx. Plantiff may be contacted trough it's undersigned attorney of record.

3. Defendant may be served at xxxxxxxxx"

What should I answer for the first 2 paragraphs?

Those do not need to be answered. What you need to answer is the plaintiff's requests for admissions. It will be on a later page most likely under the heading "Discovery- Requests For Admissions" followed by a list of 10 to 20 items such as:

1. Admit that defendant requested that <OC> open a credit card account in defendant's name.

2. Based on defendant's request <OC> opened credit card account in defendant's name.

3...

Again, deny each and every one of them except if there is one to admit your name/address and one that says you are not in the military. Admit only to those, not any others.

Did you check your private msg?

Edited by texasrocker

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OK, Here is what you need to do-

Include a general denial in your answer but you must answer each item. Do not admit to any item pertaining to the account. The only things you should admit to are your name and address and/or one that says something about that you are not currently in the military.

Caption the document exactly the same as the complaint that you were served with. The caption will include the name of the Texas court, names of the parties and the cause number.

Title the document "Defendant's Original Answer". Under the title write a brief paragraph stating "Comes now the Defendant and files his/her Answer in the above-entitled matter and in support thereof states as follo

The Defendant generally denies, pursuant to Rule 92 of the Texas Rules of Civil Procedure, each and every, all and singular, of The Plaintiff's allegations.

Create numbered paragraphs correlating to each allegation found in the complaint. For each paragraph state "Defendant denies the allegation found in paragraph one of Plaintiff's Complaint" and so on for each allegation. (for the one or two items that may ask to admit your name and/or address and to admit that you are not currently in the military just put "Admit." without quotation marks of course.)

Finish the document by stating "Defendant prays that the Court deny The Plaintiff's Complaint and for all other relief just and proper in the premises".

Add a certificate of service clause indicating that you have served a copy of the answer on the plaintiff. A certificate of service clause states "I hereby certify that a true and accurate copy of the foregoing Answer was served on _________(plaintiff's attorney) on this the ____ day of _____, 2012 by mailing a copy USPS certified mail to the following address:_____"

Create a signature line and sign the document and print your name, address, and phone number.

Since they did not attach anything to their original petition to "prove" that they own the debt file a Plea to the Jurisdiction at the same time you send your answer. You can title it "Defendant's Original Answer and Plea to the Jurisdiction" Again, caption the document in proper court format including the name of the Texas court, names of the parties and the cause number. Center the paragraph headings. Copy this word-for-word and file it at the same time you file your answer. Send a copy via certified mail to Dan Young.

PLEA TO THE JURISDICTION

Grounds for Dismissal for Lack of Standing

This is a lawsuit arising out of an alleged consumer credit card debt. Plaintiff, is not a financial institution, original creditor, lender, or issuer of any credit card. Instead, Plaintiff alleges "defendant entered into a credit agreement with plaintiffs predecessor". See Plaintiff's Original Petition, paragraph 6.* The Defendant finds it preposterous that anyone could file this lawsuit with absolutely no knowledge of the name of the original creditor or account number and no evidence attached to indicate that the alleged account ever existed. There is no allegation or statement as to who was the seller, and there is no way from these pleading to determine if Plaintiff purchased the account from anyone in the chain of title, and no way to determine what rights, if any, the Plaintiff has to bring suit.

A plaintiff who seeks to sue based on rights acquired by an assignment must plead and prove up the assignment. Ceraminc Tile Intern., Inc, v. Balusek, 137 S.W3d 722, 724 (Tex. App, – San Antonio 2004, no pet.); Delaney v. Davis, 81 S.W.3d 445, 448-49 (Tex. App, – Houston [14th district] 2002, no pet.). Plaintiff has not done either.

If Plaintiff is the assignee and rightful owner of the debt, this should be very easy for Plaintiff to allege and prove, yet Plaintiff avoids and dodges the issue, when such issues cannot wait until trial. Without a pleading of an assignment and admissible evidence of the assignment, there is no subject matter jurisdiction and this case must be dismissed. Whether plaintiff has standing to bring this lawsuit is a threshold issue that should be resolved at the onset, and the instant plea to the jurisdiction is a proper means by which to address this threshold question.

Legal Standards for a Plea to the Jurisdiction

The purpose of a plea to the jurisdiction is to dismiss a cause of action without regard to whether the underlying claim has merit. Bland ISD v. Blue, 34 S.W.3d 547, 554 (Tex. 2000). The plea challenges the court's power to adjudicate the subject matter of the controversy. Texas DOT v. Arzate, 159 S.W.3d 188, 190 (Tex.App. – El Paso 2004, no pet.), Axtell v. University of Texas, 69 S.W.3d 261, 263 (Tex.App. – Austin 2002, no pet.).

Standing is a basic requirement of the judicial system and goes directly to the court's subject matter jurisdiction over a case. It may be raised at anytime and, unlike a challenge to a party's capacity to sue, cannot be waived or presumed. Nootsie Ltd. v. Williamson County Appraisal District, 925 S.W.2d 659, 661-662 (Tex. 1996), Continental Coffee Products v. Cazarez, 937 S.W.2d 444 n.2 (Tex, 1996). A plea to the jurisdiction is the proper way to challenge a party's lack of standing. Waco ISD v. Gibson, 22 S.W.3d 849, 850 (Tex. 2000).

The plaintiff must come forward with sufficient evidence to demonstrate that there is at least an issue of fact as to the existence of jurisdiction. Texas Department of Parks and Wildlife v. Miranda, 133 S.W.3d 217, 227-228 (Tex. 2004). The court should grant defendant's plea to the jurisdiction because on the face of the petition, it is clear that the plaintiff is not the original creditor, which therefore puts standing at issue and it is certain that this Plaintiff will not come forward with admissible evidence of standing to bring the lawsuit.

Add that you hereby certify that you sent the plaintiff's attorney via USPS certified mail (his/her name, address, date) a true and correct copy of your answer and plea to the jurisdiction, sign it and print your name, address, and phone number.

*Edit this part to reflect exactly how they worded that they purchased and/or own the account.

Those do not need to be answered. What you need to answer is the plaintiff's requests for admissions. It will be on a later page most likely under the heading "Discovery- Requests For Admissions" followed by a list of 10 to 20 items such as:

1. Admit that defendant requested that <OC> open a credit card account in defendant's name.

2. Based on defendant's request <OC> opened credit card account in defendant's name.

3...

Again, deny each and every one of them except if there is one to admit your name/address and one that says you are not in the military. Admit only to those, not any others.

Did you check your private msg?

Sorry to bother again TEXASROCKER but I have one more question before I send my paperwork out.

Are these the two questions that I am suppose to admitt too :

"3. Defendant may be served at XXXXXXXXXXXXX (my address goes here)

4. Venue of this action is proper in the county named above because XXXXXXXXX is an individual believed to be residing in said county at the time of commencement of suit"

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Again, those are not the items you need to answer. Those are just informing the court that it is the proper venue to file the suit in.

You need to answer the items listed under the plaintiff's request for admissions. They are probably on the last page or the second to last of the papers you were served with. There should be approximately 15-20 of them.

They should be plain to see under the heading "Request for Admissions" and will be in reference to opening the alleged account, using the card, making payments and then failing to make payments on it and also that the JDB now owns the account and has demanded payment. Most likely one will ask that you admit that you are not currently serving in the military. That is the only one you should admit to unless one asks you to admit to your name and address but they probably will not include that.

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Again, those are not the items you need to answer. Those are just informing the court that it is the proper venue to file the suit in.

You need to answer the items listed under the plaintiff's request for admissions. They are probably on the last page or the second to last of the papers you were served with. There should be approximately 15-20 of them.

They should be plain to see under the heading "Request for Admissions" and will be in reference to opening the alleged account, using the card, making payments and then failing to make payments on it and also that the JDB now owns the account and has demanded payment. Most likely one will ask that you admit that you are not currently serving in the military. That is the only one you should admit to unless one asks you to admit to your name and address but they probably will not include that.

Ok thx. Im all set. :)

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