SammyJay Posted May 15, 2021 Report Share Posted May 15, 2021 I got served for an old loan by Rausch. My main question is what is the statue of limitations to sue? For credit card it's 3 years in Louisiana. This isn't a credit card , but a personal loan. Advice on how to proceed ? 1. Who is the named plaintiff in the suit? DISCOVER BANK 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Rausch Sturm 3. How much are you being sued for? >$3000 4. Who is the original creditor? (if not the Plaintiff) DISCOVER BANK 5. How do you know you are being sued? (You were served, right?) Yes I was served. 6. How were you served? (Mail, In person, Notice on door) Served at my home. 7. Was the service legal as required by your state? Yes. 8. What was your correspondence (if any) with the people suing you before you think you were being sued? They sent a letter saying they were trying to collect the debt . 9. What state and county do you live in? Louisiana 10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) December 8th of 2016 11. When did you open the account (looking to establish what card agreement may be applicable)? July 2015 12. What is the SOL on the debt?: Not sure 13. What is the status of your case? I was served and I now have a number of days, in the double digits, before I have to file an answer. 14. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) Yes 15. Did you request debt validation before the suit was filed? Yes, and they did not reply within the 30 days 16. How long do you have to respond to the suit? Days, in the double digits. 17. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits. THey only sent a statement, dispersal of funds , and truth lending disclosure Quote Link to comment Share on other sites More sharing options...
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