midnightmadness Posted November 20, 2018 Report Share Posted November 20, 2018 I need some help from someone that can help maybe shed some insight into what avenues I can take. First, I found out that I am being sued by Calvary Portfolio (I have not received the summons yet). I found out because I received all kinds of letters from attorneys asking me to call them and then went to the court website to find..VOILA there I am. I don't have that kind of money right now and I'm a single parent and sole supporter of family. Secondly, the account I believe it might be tied to is no longer on my credit as I tried to find it after I found out about this. However, I was going through some financial struggle and stopped paying on all my accounts at the same time therefore, I'm sure the date of default is at least October 2014. The original creditor in question was a Citibank card that I stopped paying on in August/September 2014. I opened up the card in California and defaulted on the card in California. I moved to Missouri a year ago and was under the belief that Missouri had a borrowing statute and let it be. Now I'm being sued a month or two after the statute of limitations would have expired in California. So I'm a little overwhelmed with the information right now From what I can find, the SOL is 5 years in Missouri. So I'm not sure what to do here - should I file for bankruptcy (I really don't want to - but I have other accounts that are in default from that year too)? Should I fight them and try to use the borrowing statute and hopefully win? I think they are going to small claims because the balance is 2000 and still not fully familiar with Missouri law. I don't think I could use arbitration because Citibank has a horrible clause on small claims court from what I have been reading. Any insight right now will help as I kind of feel lost and helpless right now. To boot the court date is coming up next month which doesn't leave much time and the fact that I haven't been served yet. Quote Link to comment Share on other sites More sharing options...
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