Sued by Junk debt buyer in Arkansas

[HAMMERZIPPY]

Can someone please provide some guidance examples or any feedback. I was served with a junk debt lawsuit 11/28/21 in Arkansas. The alledged debt is 8k. I was blind sided. I am fighting this lawsuit. I have answered and then amended my answer and replied to their admissions and requests. I don't have anything to provide I don't have any records on this account. It gets werid... They claim a account number changed... All super shady looking.  No agreement, no details, some statements with three different account numbers. Very little info.  I think I should file a motion to dismiss, failure to state a claim with relief can be granted.. but I need details example. Anything idk 

[HAMMERZIPPY]

In Arkansas do they have to attach an agreement to complaint?

I was also not ever sent a debt validation.

No communication prior to lawsuit filed.

I have no relationship with this plaintiff. Never had heard of them.

There is no application or agreement signed by me with the prior creditor either. Complaint says credit card. I never had said credit card.

But they then sent me these statements that show a different creditor account number and credit type is different shows a open line of credit. No card.

It's super confusing and seems messy. They also sent me some random person's statments totally different name and account number along with two other account numbers in my name but only one statement matches account number in complaint. It shows a zero balance as of 7/2019 ..

I mean face value, not being familiar with junk debt buyers.

Theis complaint looks totally fake.

Like anyone could print that stuff out and claim someone owe them money.

Also, This debt is not on my credit report never had been.  Idk I need this dismissed right away it's causing me so much stress. It seems they don't have any ground to stand on. How do I price that quickly?  

[Clydesmom]

1 hour ago, paigep77 said:

In Arkansas do they have to attach an agreement to complaint?

No.  Any evidence you want you would have to do discovery.  Few states require that the evidence be attached to the complaint when filed.

1 hour ago, paigep77 said:

I was also not ever sent a debt validation.

No communication prior to lawsuit filed.

There is no requirement they send you a collections letter or right to cure prior to suing you.  Some JDBs now go straight to lawsuit to avoid counter claims.

1 hour ago, paigep77 said:

I have no relationship with this plaintiff. Never had heard of them.

When a JDB purchases a defaulted pool of accounts they get all the rights of the original creditor.  That is basic contract law.

1 hour ago, paigep77 said:

There is no application or agreement signed by me with the prior creditor either. Complaint says credit card. I never had said credit card.

There never is a signed agreement on credit card accounts.  The court knows this and will not demand one.

If you are 100% certain that you never had or opened an account with the creditor they claim to have bought the account from then you need to be filing a FACTA identity theft report and a police report.  THEN you can file for dismissal if they don't voluntarily drop the case without prejudice while they investigate.  DO NOT do this if there is a chance this is your card.  It is fraud on the court to falsely claim identity theft as a defense. 

[BV80]

2 hours ago, paigep77 said:

But they then sent me these statements that show a different creditor account number and credit type is different shows a open line of credit. No card.

An open line of credit can be considered a revolving account just like a credit card.  In regard to a different creditor, sometimes the issuer and the name of the credit card can be different.  For instance, Citibank issues the Home Depot credit card.

Who is named as the creditor in the complaint, and what company is shown on the statements?

 

2 hours ago, paigep77 said:

Theis complaint looks totally fake.

Have you checked with your court to see if a complaint was filed against you?  If it was, the complaint is not fake.  I believe Arkansas allows for an online records search.

[HAMMERZIPPY]

19 minutes ago, Clydesmom said:

If you are 100% certain that you never had or opened an account with the creditor they claim to have bought the account from then you need to be filing a FACTA identity theft report and a police report.  THEN you can file for dismissal if they don't voluntarily drop the case without prejudice while they investigate.  DO NOT do this if there is a chance this is your card.  It is fraud on the court to falsely claim identity theft as a defense.    

I never had a credit card with that account number in the complaint  100% Never seen that account # before lawsuit was filed. 

 But it gets messy and very suspect, please bare with me, i will try to explain where my investigation has lead me thus far.   

Junk Buyer - are now saying that the original Creditor "changed the account number"   they sent me 100 pages of statements  3 diffents account #s through them,     1 statement a single page, matches the complaint ( that statement shows a zero balance as of Mid 2019)...  then they sent me a 2nd set of statements totally different account number and another persons name!  

 SO after much investigating,  I assume.. its a PayPal line of credit, Not a credit card,  I don't know if you are familiar with the Lawsuit CFPB vs Paypal Credit/BIll me later filed, I am attaching it. 
That happened to me to the T. Exactly! 

    I had a paypal line of credit YEARS ago.   I never applied for it, just like that lawsuit explains. 

No agreement signed no Nothing.    Had no clue until it defaulted to it and chargedto cover a transaction that my regular PayPal didn't have enough to cover,   this was back 2015 .   That line was attached to my regular PayPal and what a nightmare over the years that all was,  it got so scam ridden , I had so many disputes.  I had activity from my Ebay buying and selling, getting mixed into it,    Disputes,  odd charges... just simply a Nightmare. 

 

  I had trouble seeing the account, they would limit my view often " restricted account due to suspicious activity " , it got really bad, it came to a point towards the end of me being able to deal with it,  they started to deny my disputes, i recall time and time again, it didn't seem like they investigated was just like Deny deny deny....    at the end when i didn't agree with the balance, was NOT happy with their resolution center and didn't pay the full amount, they TOTALLY cut off my view,  account suspended total lock out,   it was all electronic No statements sent, No nothing ever mailed. 

 so at the end, i had no visibility ,  I was not willing to pay the amount due i didn't agree with it,  I sent them a letter and this was years back, Explaining, i have a lot of issues with BOTH my PayPal's regular and Line,  to please Shut it down, don't keep adding HUGE interest and late fees, Just STOP at least until we could address my issues,    I never even heard back. Nothing. 

      So over a year later,  In early 2019 i submitted ALL debts i had to Clearone Advantage, I was getting divorce My financial situation was changing,  I needed help getting all my debts in check,    I explained to clearone How on the paypals -don't agree with that balance- for many reasons. They said they Negotiate and would see what they could do. I figured at least i could get it away and cut my loss. .   

 

  I have been paying clearone ever since, still do , Hundreds a month.

I haven't heard from any debt collector in years.  Then blindsided with this messy confusing lawsuit... wrong account., changing accounts. and a EVEN BIGGER balance than i ever saw!   over 8k!!!   My limit i ever saw was only 4k so how the hell could it triple from last i saw  without it being used or to my knowledge even open,  so it looks like they  kept growing the balance and Who knows for how long...  just horrid experience.  through out all this, I was not contacted by anyone in regards to that line in anyway, never told about a "account number changing"    that sounds like BS to me.

I would check in on my clearone account here and there,  was always told  " your account is in good standing all is well!"      so... i assume this junk buyer is associating all these weird and wrong details with that Line of credit... but its hard to tell, because when i showed Clearone the account number and full complaint, they confirmed it didn't match any of my enrolled debts!!!!!   so WTF and all of  this was years  ago.     When i do a search in my AOL email ( my regular paypal email )  everything is archived,  i can see lists and their subjects but cant open it.     so its a  MESS!   

  I ABSOUTLY do not owe this junk debt buyer 8K!!! I actually feel Paypal credit OWES ME just like that CFPB lawsuit outlines.      So if anyone made it through all that,    What the hell am i to do???  do they have a case??

 

[HAMMERZIPPY]

On 1/19/2022 at 4:17 PM, BV80 said:

An open line of credit can be considered a revolving account just like a credit card.  In regard to a different creditor, sometimes the issuer and the name of the credit card can be different.  For instance, Citibank issues the Home Depot credit card.

Who is named as the creditor in the complaint, and what company is shown on the statements?

 

Have you checked with your court to see if a complaint was filed against you?  If it was, the complaint is not fake.  I believe Arkansas allows for an online records search.

 its real. BUT to a person unaware face value Looks like FAKE documents a Scam, boilerplate bills of sale, affidavits look like anyone could print that stuff and try to get money off someone. 

[HAMMERZIPPY]

1 hour ago, BV80 said:

An open line of credit can be considered a revolving account just like a credit card.  In regard to a different creditor, sometimes the issuer and the name of the credit card can be different.  For instance, Citibank issues the Home Depot credit card.

Who is named as the creditor in the complaint, and what company is shown on the statements?

 

Have you checked with your court to see if a complaint was filed against you?  If it was, the complaint is not fake.  I believe Arkansas allows for an online records search.

Starts out with a balance, statements don't match complaint, Comeity capital bank. then the last few statements still different acct # change to Synchrony bank, then the 1 statement that matches the complaint is synchrony and that statement shows Zero balance, maybe its a clear the books statement.?? .. idk but it clearly shows New balance $0.     Is this a thing?  .,  account numbers changing with out a person being aware?? i called the credit reporting bureau, to try to understand the account changing stuff, they said if that happens its treated as separate accounts. they advised i should consult a attorney   ALSO this has NEVER been on my credit report, None of it No account number. ! 

[Clydesmom]

15 hours ago, paigep77 said:

BUT to a person unaware face value Looks like FAKE documents a Scam

If the case is listed on line on the court docket even a lay person knows that isn't a scam.

15 hours ago, paigep77 said:

Looks like FAKE documents a Scam, boilerplate bills of sale, affidavits look like anyone could print that stuff and try to get money off someone. 

Challenging the veracity of the evidence is done at trial. It is NOT a reason to assume you are not being sued and let them get a judgment.

15 hours ago, paigep77 said:

Starts out with a balance, statements don't match complaint, Comeity capital bank. then the last few statements still different acct # change to Synchrony bank, then the 1 statement that matches the complaint is synchrony and that statement shows Zero balance, maybe its a clear the books statement.?? .. idk but it clearly shows New balance $0.     Is this a thing?  .,  account numbers changing with out a person being aware??

The purchaser of the account would have assigned it a new account number on acquiring it.  They cannot use the original creditor's account number.  This is not new.

15 hours ago, paigep77 said:

ALSO this has NEVER been on my credit report, None of it No account number. ! 

There is NO requirement that they report this.  NONE.  ALL that is required is that the information be accurate if they do report.  These days JDBs require original creditors delete their tradeline upon sale of the account and the JDB won't report until after the lawsuit is complete.  This eliminates possible counter claims.

15 hours ago, paigep77 said:

i should consult a attorney 

You REALLY should.  You may have some good defenses available to you but based on your posts here you are all over the place an not equipped to defend yourself in this matter.  Find a good local NACA attorney ASAP to get a free consult with.

[HAMMERZIPPY]

I have had countless free consults. Clarification, I know its not a SCAM, I was saying, i am surprised to learn of these type lawsuits with these fake LOOKING docs.
  I am defending myself, If I don't prevail I will go down swigging the entire time. then appeal it and appeal it again, then fight a judgment, then worst case, file chapter 7 , these people WILL not get any of my pay, period. I can barley make ends meet as it is.    I absolutely have defenses.  Something was said that I find very important,  "They canNOT use the original creditors account number"  ?  is this true?  because i have NEVER seen this New account # ever. I never used it,  was never informed of it. Nodda no charges on it no payments nothing. shows zero balance 

16 minutes ago, Clydesmom said:

If the case is listed on line on the court docket even a lay person knows that isn't a scam.

 

The purchaser of the account would have assigned it a new account number on acquiring it.  They cannot use the original creditor's account number.  This is not new.

 

 

[HAMMERZIPPY]

I also have a few question about Request for admissions,  Docs and Interrogatories.    I feel they are trying to trip me up with paper work. 
I found their request for admission online 12/22, I printed it and answered it and went to the court house and Filed it, Notarized and with Certification of mail. 

  but then they also sent me that same list of request for admission in a large packet with additional requests documents and interrogatories.

  just got so SICK of it, I didn't give them much, i replied to each, but kept repeating myself, how i have no records of this, How the accounts are all different. there is no details.. etc... I provided them a few copies of utility bills, but nothing close to what they asked, like  A year worth of all utilities. 5 Years of my taxs!  yeah right, i don't have that none of their business, and i don't have Ink for that. 
I did happen to put in a copy of a Arkansas bankruptcy Means eligibility means test, showing i was eligible,  My name isn't on it, but i wanted to let them know, Hey i don't have Squat. 
My question is about the stuff requested Not on the docket filed.  Was i to get that notarized as well?? i didn't, but i did add a under oath and cert of mail.  

[BV80]

1 hour ago, paigep77 said:

They canNOT use the original creditors account number"  ?  is this true? 

Yes, it is true.  Each bank has its own account numbers.  Debt buyers have their own numbers, as well.  It’s like a routing  number for a checking account.  That number identifies the institution that has the account.

Comenity and Synchrony issue many credit cards for different companies.  Sometimes companies change the bank that issues their credit card.  This could be a card that was once with Comenity but was changed over to Synchrony.

What is the name of company, not bank, on the statements?

[HAMMERZIPPY]

Well it PayPal credit/ bill me later credit line, starting with a account number not in complaint issuer comeity capital, then few years later same account # move to PayPal credit / bill me later issuer Synchrony.

   All the statments they sent me looks lik original account number ( not in complaint) , then the final statement the account number changes, that one statement matches the complaint issuer synchrony.   But that single statement shows a Zero balance as of 7/2019

It doesn't make sense to me at all.  I absolutely don't owe on this. 

I see little information as to what makes up this huge balance. 

They don't show statements open to close. I mean my god. Is this also time barred?

Isn't Arkansas open accounts are 3 years from last payment that totals at least min amount due?

I can't tell what's what. Looks like the balance kept growing with no payments made for over a year. Then they stopped growing it, defaulting it.

Then it sat doormat from 7/2019 till I was served 11/2021.  

[Clydesmom]

4 hours ago, paigep77 said:

I provided them a few copies of utility bills, but nothing close to what they asked, like  A year worth of all utilities. 5 Years of my taxs!  yeah right, i don't have that none of their business, and i don't have Ink for that. 

UGH.  Utility bills, taxes, pay stubs etc. are irrelevant to the case as filed and NEVER should be produced.  They are looking to see how easy it will be to collect.  Like many debt mill law firms they are attempting to use discovery as a debtor's exam as well.

4 hours ago, paigep77 said:

I did happen to put in a copy of a Arkansas bankruptcy Means eligibility means test, showing i was eligible,  My name isn't on it, but i wanted to let them know, Hey i don't have Squat. 

Which they will ignore until you actually file.  They hear that threat thousands of times a month and know it means nothing until filed.  Waste of paper and ink.

1 hour ago, paigep77 said:

But that single statement shows a Zero balance as of 7/2019

That is because once PayPal sold it to the JDB they have to zero out the balance.

1 hour ago, paigep77 said:

They don't show statements open to close.

They don't have to in order to sue you.  Did you request a full accounting in the discovery you sent them?  

1 hour ago, paigep77 said:

I mean my god. Is this also time barred?

Isn't Arkansas open accounts are 3 years from last payment that totals at least min amount due?

The SOL on credit accounts in AR is 5 years not 3.  It does not appear based on what you posted that it is SOL and they filed timely.  Did you raise an SOL defense in your answer?

1 hour ago, paigep77 said:

Looks like the balance kept growing with no payments made for over a year.

Interest, late fees, and over the limit fees will do that to you.  Since most credit accounts are at 23% interest or more with late/over limit fees around $30/month a balance can quickly double in a year.  It doesn't matter what your "limit" was they will still tack on the interest and fees.  Those fees can be added until they charge off the account.

4 hours ago, paigep77 said:

My question is about the stuff requested Not on the docket filed.  Was i to get that notarized as well?? i didn't, but i did add a under oath and cert of mail.  

What are the rules of your court?  When you represent yourself you have to find these things out.

4 hours ago, paigep77 said:

I will go down swigging the entire time. then appeal it and appeal it again, then fight a judgment, then worst case, file chapter 7

Before assuming you can appeal you need to know the requirements for your state.  Many states require you to post an appeal bond in the amount of the judgment before you can appeal and you only have 30 days to do that.  In some states it is a trial de novo.  Which it is matters a lot.

1 hour ago, paigep77 said:

It doesn't make sense to me at all.  I absolutely don't owe on this.

That it doesn't make sense is clear.  You haven't bothered to learn the rules of civil procedure for your court and are flying blind hoping for a miracle.  

I think you owe something but it may not be what was claimed.  The problem you have the time to dispute all of this was years ago and now that the account is closed that ship likely has sailed.  It could be fought in this suit but would take counter claims and legal skill you don't have.  Just file bankruptcy and stop it now.  The stress will be far less.

[BV80]

2 hours ago, paigep77 said:

Well it PayPal credit/ bill me later credit line, starting with a account number not in complaint issuer comeity capital, then few years later same account # move to PayPal credit / bill me later issuer Synchrony.

   All the statments they sent me looks lik original account number ( not in complaint) , then the final statement the account number changes, that one statement matches the complaint issuer synchrony.   But that single statement shows a Zero balance as of 7/2019

It doesn't make sense to me at all.  I absolutely don't owe on this. 

I see little information as to what makes up this huge balance. 

They don't show statements open to close. I mean my god. Is this also time barred?

Isn't Arkansas open accounts are 3 years from last payment that totals at least min amount due?

I can't tell what's what. Looks like the balance kept growing with no payments made for over a year. Then they stopped growing it, defaulting it.

Then it sat doormat from 7/2019 till I was served 11/2021.  

If the court considers this to be a “credit card” account, the SOL is five years.  From the AR Supreme Court:

However, the statute of limitations had not yet run on the underlying complaint because it is undisputed that the debt arose from a credit card contract, which is subject to the five-year statute of limitations. Born v. Hosto & Buchan, 2010 Ark. 292, 372 S.W.3d 324 (2010).

Did you not open the account?  

 

[Bulldoger]

 PayPal credit issuer by Synchrony has a great arbitration clause.  Have you considered filing a motion to compel arbitration? 

8K is a large amount and if they follow into arbitration and you lose it can be higher.  But I don't see what's the difference of filing for BK over 8K or 20K,  But you be in better position to settle or have a mutual dismissal.  They probably have spent $1000 with buying and filing your case.  They may just settle for $2000 and be happy with doubling their money and move on. 

 

[HAMMERZIPPY]

49 minutes ago, BV80 said:

If the court considers this to be a “credit card” account, the SOL is five years.  From the AR Supreme Court:

However, the statute of limitations had not yet run on the underlying complaint because it is undisputed that the debt arose from a credit card contract, which is subject to the five-year statute of limitations. Born v. Hosto & Buchan, 2010 Ark. 292, 372 S.W.3d 324 (2010).

Did you not open the account?  

 

No I didn't open the account,  Please see attached, I can only attach snaps it wont take the Full court order But if you want to google that case CFPB VS paypal credit, you can see the details of the complaint and the full order ,  this happened to me EXACATLY years ago,    my only connection to the name of the debt, although the account numbers don't match.   I was buying and selling a lot back 2013-2016 on eBay, at some point a transaction triggered my back up pay method to cover it, but I didn't have a default method, So paypal defaulted to a back up of Paypal line of credit, that i never knew anything about.  had no idea until i was trying to balance my books from my sales and purchases.    PayPal got in a lot of trouble for doing this deceptive stuff.   so No i didn't open the account, Ever.  

49 minutes ago, BV80 said:

 

 

[HAMMERZIPPY]

25 minutes ago, Bulldoger said:

 PayPal credit issuer by Synchrony has a great arbitration clause.  Have you considered filing a motion to compel arbitration? 

8K is a large amount and if they follow into arbitration and you lose it can be higher.  But I don't see what's the difference of filing for BK over 8K or 20K,  But you be in better position to settle or have a mutual dismissal.  They probably have spent $1000 with buying and filing your case.  They may just settle for $2000 and be happy with doubling their money and move on. 

 

I don't even know what clauses or agreement disclosure they are alleging.     I have read about filing a motion for arbitration.  I would put in the motion that all arbitration costs go to plaintiff due to my financial distress.  I found a example in Arkansas motion that Worded it all really well.  But i don't know where or what clause .  . this is a mess. Also,  I don't want to settle. I don't owe this. I actually feel Paypal credit Owes me. Please see attached.  I never opened this account. 

[Bulldoger]

Here is location of CC agreement

https://files.consumerfinance.gov/a/assets/Credit_Card_Agreements_2019_Q4.zip.

per agreement they have to pay Arbitration fees. 

 

 

[Bulldoger]

19 minutes ago, paigep77 said:

I don't even know what clauses or agreement disclosure they are alleging.     I have read about filing a motion for arbitration.  I would put in the motion that all arbitration costs go to plaintiff due to my financial distress.  I found a example in Arkansas motion that Worded it all really well.  But i don't know where or what clause .  . this is a mess. Also,  I don't want to settle. I don't owe this. I actually feel Paypal credit Owes me. Please see attached.  I never opened this account. 

This is an order from a suit if requiring PayPal to allow paypal users to set a different payment method other than paypal credit to be default payment on paypal account.  Don't see where it's relevant. 

[Clydesmom]

25 minutes ago, paigep77 said:

I would put in the motion that all arbitration costs go to plaintiff due to my financial distress. 

That isn't how this works.  Contract law applies and if the terms and conditions does not specify that they will cover all costs if the consumer requests it you cannot force that in by motion.  

10 minutes ago, Bulldoger said:

per agreement they have to pay Arbitration fees. 

Maybe.  There might be a major problem with all of this:

"I was buying and selling a lot back 2013-2016 on eBay, at some point a transaction triggered my back up pay method to cover it, but I didn't have a default method, So paypal defaulted to a back up of Paypal line of credit, that i never knew anything about.  had no idea until i was trying to balance my books from my sales and purchases."

If the OP was running a business then consumer laws would not apply and the fees in JAMS and AAA are split equally for both parties in arbitration and that will get really expensive really fast.  Not to mention that if all of this is as a result of business debt(s) then the FDCPA doesn't apply either.

31 minutes ago, paigep77 said:

I don't owe this. I actually feel Paypal credit Owes me.

Then you should have sued them.  It is probably way too late to recover on this now.  You can try but I would not get your hopes up.

[HAMMERZIPPY]

7 minutes ago, Bulldoger said:

This is an order from a suit if requiring PayPal to allow paypal users to set a different payment method other than paypal credit to be default payment on paypal account.  Don't see where it's relevant. 

I feel its VERY relevant. the first snaps is the stipulations, Here is a snip from the complaint, what's in that complaint happened to me exactly years ago. that is my only tie to this name of the debt in the lawsuit.   I literally never applied for the debt in the lawsuit. I experienced everything that complaint explains.. i mean, I am owed damages. I am for sure a Affected customer.   I don't owe this debt in this lawsuit. if this Junk Debt Buyer is standing in the shoes of paypal credit...same rights...     then they can compensate me for damages .. there is a lot of info between the CFPB complaint and the amended stipulations that i feel is very important.   example paypal credit is to keep full Bookkeeping off all accounts , everything for 5 years.  if  not, they violate... SO looks like ..... they didn't do that with this account listed in the lawsuit on me. attached to my name... Something very wrong is happening here. 

[Bulldoger]

I read the paypal case order it is MOOT it was entered in 2015 and effective end date was 2020.  

 

[Bulldoger]

Quote

i mean, I am owed damages. I am for sure a Affected customer.   I don't owe this debt in this lawsuit. if this Junk Debt Buyer is standing in the shoes of paypal credit...same rights...     then they can compensate me for damages .. there is a lot of info between the CFPB complaint and the amended stipulations that i feel is very important.   example paypal credit is to keep full Bookkeeping off all accounts , everything for 5 years.  

that may have been true in 2015-2020 but it's 2022. 

If they owed you money the time to collect was in that time. If you had filed a case with them and it had not been resolved by 2020 they were to pay you.  The effects of this order ended in 2020.  It was only effective to current paypal users which you were at that time but, unfortunately you ship has sailed.  

 

[HAMMERZIPPY]

11 minutes ago, Clydesmom said:

That isn't how this works.  Contract law applies and if the terms and conditions does not specify that they will cover all costs if the consumer requests it you cannot force that in by motion.  

Maybe.  There might be a major problem with all of this:

"I was buying and selling a lot back 2013-2016 on eBay, at some point a transaction triggered my back up pay method to cover it, but I didn't have a default method, So paypal defaulted to a back up of Paypal line of credit, that i never knew anything about.  had no idea until i was trying to balance my books from my sales and purchases."

If the OP was running a business then consumer laws would not apply and the fees in JAMS and AAA are split equally for both parties in arbitration and that will get really expensive really fast.  Not to mention that if all of this is as a result of business debt(s) then the FDCPA doesn't apply either.

Then you should have sued them.  It is probably way too late to recover on this now.  You can try but I would not get your hopes up.

It was not a ebay or paypal ( regular paypal) business account. ebay wasn't Super high volume.  I would have SUED the heck out of them IF I HAD KNOWN that complaint existed.  I just found out when i got blindsided with this lawsuit and started investigating , that hell i experienced  was all documented like that,   SO since JDB claims they have right like the original to sue me for money, aren't they responsible to pay me for these damages??? BUT again their account number in their complaint doesn't even match any of my past or current debts... so there is that too... IDK such a mess, and it consuming me, taking away from my work and child More damages here  years later. . I hate it.    

[HAMMERZIPPY]

15 minutes ago, Bulldoger said:

that may have been true in 2015-2020 but it's 2022. 

If they owed you money the time to collect was in that time. If you had filed a case with them and it had not been resolved by 2020 they were to pay you.  The effects of this order ended in 2020.  It was only effective to current paypal users which you were at that time but, unfortunately you ship has sailed.  

 

 I would have SUED  the heck out of them IF I HAD KNOWN that complaint existed.  I just found out when i got blindsided with this lawsuit and started investigating , that hell i experienced  was all documented like that,