Tiglit18 Posted January 13, 2018 Report Share Posted January 13, 2018 Greetings all! First time poster here but lurked around all day. Essentially I’m being sued for cc debt by a JDB and I’m looking for any advice, links to awesome posts, and suggestions for moving forward. I know that my response will be a General Denial, I’m not sure if I need to state affirmative defenses but leaning towards yes because I do have a ARB clause (jcp synchrony bank 2016). Thoughts and questions appreciated! TIA 1st Cause of Action: Account Stated 2nd Cause of Action: Open Book Account Who is the named plaintiff in the suit? Portfolio Recovery Associates LLC What is the name of the law firm handling the suit? Hunt & Henriques from San Jose, CA How much are you being sued for? $2000 Who is the original creditor? Synchrony Bank formerly owned by GE Bank How do you know you are being sued?Served How were you served? In person Was the service legal as required by your state? Yes What was your correspondence (if any) with the people suing you before you think you were being sued? None What state and county do you live in? Riverside, CA. When is the last time you paid on this account? June 2016 What is the SOL on the debt? 4 years What is the status of your case? Complaint filed - service made but not recorded yet Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) No Did you request debt validation before the suit was filed? No How long do you have to respond to the suit? 30 days What evidence did they send with the summons? Exibit A: billing statement showing last payment made June 2016 Exibit B: billing statement showing last balance owed Nov. 2016 Quote Link to comment Share on other sites More sharing options...
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