Midland Case in MI

[arbitration or chapter 7]

Been down the arbitration path previously  with successful outcomes thanks to the information and help that is provided by this forum.  Adding one of my latest cases today, this is a Midland lawsuit with Synchrony as the OC.  Will post the Summons and Complaint with attachments as soon as I omit all my personal info

1. Who is the named plaintiff in the suit? Midland Credit Management

2. What is the name of the law firm handling the suit? Smith, Perry, & Pettway... not sure if that is the correct name of the firm, but those are the names listed

3. How much are you being sued for? $just over 2K

4. Who is the original creditor?  Synchrony

5. How do you know you are being sued? Served

6. How were you served? In person

7. Was the service legal as required by your state? Yes

Process Service Requirements by State - Summons Complaint

8. What was your correspondence (if any) with the people suing you before you think you were being sued? None

9. What state and county do you live in? Michigan, Oakland County

10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) sometime early 2018

11. What is the SOL on the debt?  --think it is 6 or 7 years for MI

12. What is the status of your case? served summons and complaint, ready to file my answers/affidavit and MTCA

13. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?)Have not had any contact with either

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? I have 21 days to file a written answer, no questionnaire

16. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits.  Statements from OC, Affidavits, Bill of Sale.  Will include all below just want to omit all personal info before doing so

[BackFromTheDebt]

It appears you know what to do for this case, since you have been down the arbitration road before.