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JDB suing me. How do I screw with them?


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Plaintiff: Midland Credit Management, Inc.

Law Firm: c/o Stenger and Stenger PC

Being sued for roughly 3k.

Original Creditor: Capital One Bank

Served in person and the service was legal. Correspondence with the people suing was through mail. Located in Indiana, Allen County. Account was opened in 2015 and last payment was posted in 2019. SOL is 6 years. Case has been filed and is pending. Debt has not been disputed and no request for debt validation has been made. Ordered to contact Plaintiff's Counsel's Office by telephone on July 9th. Evidence sent with summons: Affidavit of Debt, Bill of Sale, Affidavit of Sale of Account by Creditor, Certificate of Conformity, Billing cycle taken from Capital One's website.

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As for whether it is too late for an MTC, maybe.  Maybe not.  

I don't know enough about your case, or what the situation is in Indiana.  In Florida it would be too late.  In Wisconsin not late at all.  In Indiana, I don''t know.  I sometimes recommend people file an MTC anyway, if it is appropriate, to see if it will fly.  If not, they haven't lost anything.

Of course that assumes the contract has an arbitration provision, and no exclusions for whatever court you are in.  

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  • GayLubeOil changed the title to JDB suing me. How do I screw with them?

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