I have an interesting collection effort by Cavalry.  This DC attempted to collect on an old account.  Their first letter stated the routine info about an effort to establish a pay schedule on an alleged debt.  At the end of the letter was a statement "The law limits how long you can be sued on a debt.  Because of the age of your debt, we cannot sue you for it, even if you make a payment or promise to make a payment and Cavalry will not report it to any credit reporting agencies."

I sent them a DV letter and disputed their claim.  They did respond with a charge off statement, and copy of an agreement from Bank of A, the original holder.  It had the same statement of cannot sue in it.  This debt is beyond the statue of Limitation for me in Michigan. 

I also have documents from the first collection attempts back in 2013, where I took them to the brink of Arbitration.  They failed to make the initial payment to JAMS who first placed it on administrative suspension for lack of payment and subsequently closed it.

My questions are was this simply an attempt to catch me to make some payment to them?  Or are they just making some vain attempt to have me feel an obligation to pay.  Should I respond with a letter referencing my previous JAMS case or just ignor the whole thing.  They cannot sue so they have no claim.

Thanks to any comments.

I see an account that is marked in trade lines in collection and would like to know if this is a charge off or collection. Also is the balance $486 the high credit? in the HighCred field it just shows N/A.

I received a voice mail from a at firsted wasa machine then a man got in the line on Saturday 1/11 . he stated he received paper work at his office today with my name and social. Attached to it. He is advising me he has a request to put me on his list to obtain a signature for a certified notice of intent for a pending legal claim filed against me. Before he stops be my residence or place of employment he wanted to give me a courtesy call to infom me I am being put in his schedule to be served. he left the number of the claiment if i have any questions or want mire info about the matter. He repeated he will be out to serve me this Friday between 1-7. Either at my job or residence and for me to have a valid picture ID and/or supervisor to serve as a witness. I called the number left and its "asset location sevices llc" I could not get ahold of anyone maybe because its Saturday. My question is do I call them to find out what its about? How much info do Igive them about myself if I call? Should I just wait until Friday to see if he shows? Not sure what its about. I do have some debt but do not want to be scammed. I checked my CR and this company is not on it. Also, my brother received a call a week prior from a man stating he needed to serve me about a clain and if I didn't know anything about it for me to call the number he left. I did and it was a differnt company called nationwide?? Any advise would help.

So I just got back from court with ceeeyeare and they had nothing (IMO)— no original document, no witness...just his tablet with some images of letters with my address on them that he said were proof that I was making payments on that account (I asked him if he had the actual letters and he said he didn’t need them, that “that’s not how it works”. I told him, unless he has original docs, that we had nothing more to discuss. This all happened before the actual trial, btw.

Anywho, by the time the trial actually got underway, he started by asking the judge for an extension due to the fact that his witness could not make it...the judge granted that request EVEN AFTER asking if there was any explaination as to why the witness was a no-show with the lawyer unable to offer ANY reason whatsoever. Am I wrong in assuming this is all BS on the lawyer’s behalf? That he has NO proof that I owe this debt?

I digress... at that point I asked the judge for a dismissal on the grounds of insuffient evidence on the plaintiffs part but the judge shot me down and I agreed to a new date in late July.

I think I should have probably asked if it was possible (or demanded) to just continue the trial right then and there but I didn’t think to do so, at the time unfortunately.

Does anybody have any thoughts on how this went down or what I should do or expect the next time out?

I appreciate any input...thanks all!🙂

This came from 2001badyear...some good info here. This is not a complete list of course...so if you have any CA names and numbers calling you - PM me or add it as a reply. Thanks!

Not really sure how else to post this or where, but found a collection advocacy site that listed A BUNCH of CA by name and phone number. I copied and resorted entire list.

VERY LONG LIST.

First sorted for CA by name

Next thread entry by phone number listed.

SORTED BY CA

A & B Collections 214-395-7958

A and N Mortgage Services 312-664-5626

A.V KNOWLES & ASSOCIATES 1-868-622-1568

A+ Collections, Inc. 213-380-5461

AARGON 702-948-7420

Abacus Recovery Group 800-590-2674

Academy Collection Service 215-281-7500

Access Capital Credit 619-966-9597

Account Collection Service, Inc 360-574-4131

Account Solutions Group, LLC 716-564-4400

Advanced Call Center Technologies, LLC 610-695-0500

Advanced Collection Services, Inc. 866-734-9798

Affiliated Management Services, Inc 913-677-9470

AJSANFIELD 31786912952

Alan L. Brodkin & Associates 949-457-8686

Alec Burlington 313-484-8656

AllianceOne Inc 484-531-5008

Allied Account Services, Inc 800-486-2929

American Coradius International LLC 716-580-6102

America's Recovery Solutions 877-267-3261

AmSher Receivables Management, Inc. 205-271-8610

Anderson, Crenshaw & Associates 866-400-4550

Andrews, Davidson & Associates 877-727-4641

Array Services Group, Inc 402-290-7478

Ascension Recovery Management, LLC 661-702-0080

Ashton Ryder & Associates, Inc 904-422-4941

ASSET & CAPITAL MANAGEMENT GROUP 714-415-5311

Asset Management Outsourcing, Inc. 480-231-3235

Asset Maximization Group, Inc. 800-280-9770

Asset Recovery Solutions LLC 876-383-3745

Asset Solutions 614-406-1813

Atlas & Associates 877-848-1278

Atwell, Curtis and Brooks 866-867-8970

AVENGER'S FIELD AGENCY, INC. 888-673-7833

AWA Collections 714-771-3690

Beacon Services, LLC 410-842-1065

Benjamin Legal Services, P.L.C. 312-853-3100

Big Sky Collection Bureau 866-216-3463

Bilateral Credit Corp. 212-947-1200

Black & Gray, Inc 716-312-7970

Bottom Line Collections LLC 856-782-6500

Braxton, Stevens & Weiss 281-436-5700

bumchecks 574-875-9994

Bureau of Collection Recovery 952-259-1180

C & L Collections, Inc. 787-775-8060

C and C Service Corporation 615-794-2566

C2C Resources 678-495-0050

Ca Court Docs 301-379-1897

Caine & Weiner 800-558-0235

Care Universal 402 408 3673

Carter Business Service, Inc. 781-246-4300

Cash Flow Management, Inc. 971-222-2505

Cash Stream Recovery, LLC 407-478-4900

CBI /Credit Base International 0039/(0)187/2549221

CBI Srl 018-725-9221

CCR Services 800-363-0227

CISCO, INC. 713-461-9407

Clark Recovery Services 520-647-2872

Client Services, Inc. 800-521-3867

CNK Consultants, Inc. 877-203-8710

Collection Bureau of Hudson Valley 800-745-1395

COLLECTION CONSULTANTS CORP. 315-797-7235

Collection Lawyers 800-653-5720

COLLECTION MASTERS LLC. 866-525-6767

COLLECTION PLUS, INC. 501-565-4806

Commercial Collection Consultants, Inc. 800-444-6522

Concresco 31707780152

Consumer Account Systems, Inc. 561-450-1822

Convergent Resources Inc. 631-803-0749

Cook & Associates, LLC 601-584-6696

CORPORATE INVESTIGATION BUREAU, INC. 800-263-9862

Credifax Ontario Limited (519) 963-1090

CREDIT BUREAU OF NORTH AMERICA (CBNA) 615-446-7128

Credit Clearing House 866-867-8970

Credit Collections Bureau CCB 888-461-1390

Credita International 011 41 41 723 3464

Creditors Financial Group, LLC 888-298-7107

Creditors Interchange 800-693-3455

CREDITWATCH Services Ltd. 800-876-1888

CRI Group 781-878-7188

Cypher & Associates, Inc. 305-359-3705

D&B Receivable Management Services 484-242-7422

DAL, Inc. 800-355-9999

DANIELS, ZACK & ZUCKERMAN, LLC 877-217-DEBT

David Taylor & Associates, LLC 877-895-0606

DBG Collection Incorporated 215-428-0666

DCM Services 763-852-8431

Debt Blazers, Inc. 240-432-7770

Debt Resolve, Inc. 914-949-5500

Delivery Financial Services, LLC 480-348-1146

DEMAND, INC. 804-377-8533

DETEX Agency & Associates, LLC. 800-279-3701

Dynamic Recovery Services 800-886-8088

EASTERN LIBERTY SERVICES 703-637-6422

Elite Recovery Services Inc. 716-270-2200

Eltman, Eltman, and Cooper 212-660-3125

EMI Solutions Inc. 800-831-3239

Empire Collection Services 951-545-0517

Encore Receivable Management, Inc. 614-865-0724

Epicenter Technologies Pvt Ltd 402-681-9035

Equinox Financial Management Solutions, Inc 847-795-9960

Escallate llc 866-460-2899

ESM Enterprises 850-471-5081

Estate Information Services 877-714-3739

Estate Recoveries, Inc. 410-444-8022

Ethan & Associates 985-875-2294

Evans & Marvin Inc. 727-461-4255

Excuria Recovery Services, LLC 888-881-6572

Federal Bond Collection Services Inc. 267-346-3555

Fidelis Recovery Solutions, Inc. 678-797-5254

Financial Recovery Services, Inc. 866-301-0347

FINEX SYSTEMS INC 800-364-9942

First Credit Service Incorporated 630-705-9500

FIRST GLOBAL INTERNATIONAL SERVICES LLC 404-762-0006

FJR Asset Management, LLC 713-688-8111

FMA Alliance, Ltd. 800-955-5598

Focus Receivables Management, LLC 678-228-3414

Frank Scordato 800-533-8423

GB Collects LLC 888-688-5700

General Credit Services Inc 877-588-4274

GFS, Incorporated 576-875-7966

Global Equity Lending 240-305-2004

Grace Albert IT/BPO Solutions 630-517-0258

Great Lakes Asset Management, Inc. 800-886-6249

GREENTREE ACQISITIONS LLC 425-303-2552

Grimley Financial Corp. 856-672-1014

Guardian Financial 866-424-8300

Harvard Collection Services, Inc. 800-347-7555

Heritage Recovery Solutions Inc. 913-279-9036

Hollis Cobb Associates 678-969-7800

I.C. System, Inc 585-738-8670

iBridge Solutions Pvt Ltd +91 020 66244017

ICS. International Collection Services GmbH 41417550526

Illinois Collections Unlimited 309-353-6630

Imperial Recovery Services 562-944-4522

Integral Recoveries, Inc. 800-660-8450

Integrated Commercial Enterprises Ltd 215-774-1284

Integrity Collections LLC 804-714-7352

International Collection Services, Inc. 800-609-5790

J Wilson & Associates P.C. 866-425-5005

J.J. Marshall and Associates Inc. 586-992-3200

J.M. Hollister 559-441-4100

Jamaica Collection & Recovery Services 876-908-2077

Joplin Financial Services, Inc 713-795-2620

Judgment Day Claims Processing and Recovery Corp. 914-776-3091

KCA Financial Services, Inc. 630-232-2545

KM2 Solutions, LLC 404-848-8886

Lawrence and Associates Collections Agency 876-906-3061

Leading Edge Recovery Solutions, LLC 773-380-6131

Legal Recovery Services, Inc 800-466-7500

Leib Recovery Solutions, LLC. 856-439-1179

Leland Scott & Associates 800-808-5061

MACKDELL FINANCIAL GROUP, LLC 617-933-8131

MAD Collection Agency, LLC 603-357-2922

MasTon Capital 619-427-5398

Mattia & associates 619-312-0539

Mercantile Adjustment Bureau 716-929-8530

Mercantile Adjustment Bureau, llc 972-772-0724

Metro Field Services, Inc. 763-498-1287

Michael I. Bernstein, PA 305-256-3013

Millennium Financial Group, LLC 405-709-9991

Mlegal India -51503728

Montana Nights Recovery 866-750-8641

MRS Associates, Inc. 888-334-5677

MS Services, LLC 678-252-2143

Nassau Asset Management 508-384-0764

National Action Financial Services, Inc. 678-592-8542

National Credit and Collections Services 416-844-3682

National Credit Solutions 800-384-0585

National Enterprise Systems 440-260-1829

National Financial Systems 800-806-9690

National Service Bureau 866-680-7762

Nationwide Credit & Collection, Inc. 708-786-3300

NCB Management Services, Inc. 800-828-1110

NCC Business Services, Inc. 888-733-3395

NCO Financial Systems 215-441-3527

Nelson, Watson & Associates LLC 978-416-2104

Neumann Enterprises - Asset Recovery Professionals 925-899-5939

NEW LIFE COLLECTIONS, INC 323-243-5001

Niagara Credit Solutions, Inc. 888-841-3131

North American Collectors, Inc. 800-370-4720

North East Receivables, Inc 617-969-8744

Northern Account Collections Limited 305-767-4079

Northland Group Inc. 952-820-9535

NRA Group,LLC 800-360-9953

Omega Receivables Management LLC 678-476-3797

Omnium Worldwide, Inc. 402-546-7160

Onsite Collection Bureau LLC 330-830-6655

Outsourcing Solutions Inc. (OSI) 678-474-4022

OVAG International USA 866-420-9068

P.N Credit Services Inc. 888-450-3200

Paidharbor Collection 877-716-8622

PD Recovery, Inc. 801-933-4526

Peak Financial Services, LLC 602-249-2444

Penncro Associates, Inc. 215-322-2438

Pentagroup Financial, LLC 832-615-2115

Performance Capital Management LLC 714-736-3790

Pierce, Andrews, & Young Inc. 603-244-2463

Platinum Recovery Solutions, Inc. 402-964-8956

Practical Field Services 360-598-4189

Praxis Financial Solutions, Inc. 847-676-1111

Premier Credit Solutions, LLC 952-544-1392

Premier Monetary Solutions 858-271-5531

Proctor Financial, Inc. 248-269-5684

Professional Credit Recovery 877-407-3354

Professional Placement Services, LLC(PPS) 414-220-4100

Professional Recovery Services, Inc 800-972-7984

Professional Recovery Solutions, Inc. 866-709-8780

Professional Recovery Systems, Inc 800-537-6195

Progressive Financial Services 602-453-8608

Rapid Collections Company 724-613-9458

Rash Curtis & Associates 707-454-2050

Receivables Management Consultants Corporation 404-551-5817

Receivables Management Solutions, Inc. 651-855-5813

RecoverCorp Inc. 888-426-7576 ext 212

Recovery Services of America 972-759-0888

Redline Recovery Services, LLC 410-867-0035

Retrieval Masters Creditors Bureau 914-592-0055

REVENUE & ASSET PROTECTION SERVICES LTD 27834901328

Revenue Assurance Partners, LLC 866-322-3328

Revenue Cycle Management 877-726-0100

RGS Financial, Inc 469-791-4700

Riddle & Associates 801-569-3100

Riscuity, Inc. 770-919-2700

Rosenthal Abraham & Associates, Inc. 410-569-5540

Rosenthal,Morgan and Thomas, Inc. 800-361-0363

RUBIN AND YATES LLC 866-237-6191

RZD Investigative Group, Inc 954-722-0473

Select Financial Services 800-213-5900

Seymour & Seymour Recovery LLC 800-406-1710

Shear Law, AGRM, LLC 716-622-7076

Sierra Nevada Judgement Recovery 510-717-6562

Signature Recovery Solutions 972-299-6237

SIMM Associates, Inc. 302-368-9422

Sitel 615-301-7409

Skylink Receivables Inc 866-759-4646

Smith Haynes & Watson 913-825-9961

Solberg & Kennedy 866-952-2007

South Coast Revenue 714-458-3891

Southern Alliance Group inc. 480-840-4096

Southwest Credit 972-246-5912

SRA ASSOCIATES, INC. 800-735-0552

SRS and Associates Inc 800-801-0065

Star Recovery 877-558-2691

Sunrise Credit Services, Inc 516-501-8500

Swisher-Wilbanks, LLC 800-460-2596

Synergetic Communication, Inc. 866-503-9755

T K Credit Recovery 510-724-9590

Tabula Rasa International, Inc. 888-882-9846

Tate & Kirlin Associates Inc 215-464-4500

Taylor, Brown & Sharpe, LLC 636-294-2923

Tech National Corporation 216-531-6696

TelCollect, Inc. 678-268-2345

The Active Group 888-357-2131

The Bureaus, Inc 847-328-4300

The CBE Group, Inc. 319-833-1094

The CCS Companies Inc. 617-965-2000

The Collection Bureau 303-451-7282

The Collection Consultants Inc 416-214-0911

The Lineage Group, Inc. 716-821-5550

The National Collection Agency, Inc. 800-439-7728

The Palm Beach Collection Agency Inc. 561-514-7237

The Rock Financial, Inc 866-712-6990

TLRA 713-277-2813

Transworld Systems Inc. 888-446-4733

Tri-Financial 877-268-9286

Trojan Professional Services, Inc. 800-282-6345

True North AR 415-878-2239

Trustman Credit Management Services 9312272269

TSYS Total Debt Management 770-446-9996

Tympana Limited (876) 684 9720

ULQ / Redline 770-885-4055

Universal Fidelity LP 281-647-4100

Valentine & Kebartas, Inc 866-598-2788

Van Ru Credit Corporation 847-824-2414

Vanbar Management 877-799-1199

Vanderbilt Group, LLC 860-402-9959

Vengroff Williams & Associates, Inc 949-263-1300

Vintek Financial Recoveries 818-956-9402

VITAL Serivces Inc 402-465-5664

Vital Solutions, Inc. 602-953-5148

West Asset Management 770-618-2206

Western Capital Debt Collection Training Services 877-517-9555

Wright,Scott & Associates, LLC. 410-581-0202

A few months ago, I received a debt collection letter from Midland Funding.  I found a validation letter on another site and sent it to Midland.  All they sent me was a copy of the original creditor’s charge off statement.  

I have been doing more research and from what I have found on this and other sites, the letter I sent requested things that were not required for Midland to send me.  

Does anyone have any opinions about this article?   I know the letter is wrong   What do you think about the rest of the advice?

 https://toughnickel.com/personal-finance/You-Can-Beat-Credit-Card-Debt-Collectors?utm_source=maven-coalition&utm_medium=hubpages&utm_campaign=liftigniter&utm_content=hp-related

I just got this from Experian. It says closed. What does this mean for the account?

Midland finding in the last 2 months showed up as a collection account on my credit report. Yesterday I received a final pre legal notification. I'm in Florida. The original debt of with Old Navy through Synchrony bank. I heard something about I can elect arbitration if they decide to sue me. but I just don't understand. Can someone help me please 

Here is what happpend, ti started 2 months ago.

1. I got a summon and complaint.

2. I filled a response.

3. I got a court date a month ago.

4. I just had a surgery and needed couple of weeks to recover therefore I requested a reschedule.

5. 3 days ago I received a letter in the mail from the attorneys who Midland hired.

It states.

"Plaintiff requests that the court strike the motion of summary judgement hearing from the docket that was scheduled......Court date....

What does this mean?

I checked online and the date for the hearing has been cancelled but the case is still open when I view it online.

LOL I have not received one of these in almost a year and got one today.  Toll free number called and went to voice mail:

  "My name is Kenneth Oler, this is an urgent message.  We have made several attempts to contact you and are awaiting your return call today.  I am with the legal offices of SSG and Associates we have been retained.  We are handling multiple infractions with this case.  If you would like to settle this matter before we seek appropriate relief from arbitration or from any proper jurisdiction at all I strongly  suggest you or your legal representative immediately upon receipt of this message or press 1 to speak with a live agent.  My toll free number is 866-484-5312."

Trying to decide if I call back or make him sweat a bit more and try again.

So I have been sent a pre-legal notification from MCM. I have done a lot of reading and see that this is one of the scare tactics that they use to get payment. I am not being sued and this is from MCM and not an attorney based in my state(South Carolina).  Should I send a DV letter to them. 

On the bottom of the pre-legal notification it says that I may request the following information in writing and the same will be provided to you at no cost within 30 days of receipt of your written request: 1) An account statement or complete transactional history, as applicable, reflecting your name, the last four digits of the account number at t he time of charge-off, and the charge-off balance and/or claimed balance, excluding any past charge off payment; 2) A listing of all prior owners of this account and transfer information; 3) Documentation evidencing the transfer of ownership of the account to Midland Funding; 4) An account statement or complete transactional history reflection purchase, payment or other actual use of the account or a signed document reflecting the opening of the account at issue, 5) an explanation of how any amount we are seeking to collect in excess of charge-off was calculated; and 6) If applicable, the terms and conditions applicable to the account. 

With the amount of detail should I assume that they do in fact have all this information on me or should I send a letter and see what they send back?  I will post a template that I found in a second post to get some opinions on that template. 

Hello,

 have not posted here in a long time.I had a hearing today for a 15K debt that Citi Card sold to Portfolio recovery Associates.(The usual disclaimer here..Bad year of business medical bills etc and I was unable to pay Citicard actually the first legal issue of my lifetime)Anyway I am trying to remove the case to arbitration (following detail of fisthardcheese arbitration strategy)I had printed off a citicard agreement that  and the judge like and agreed with what it said about arbitration and was ready to to Accept my MTC but it actually does not say Citi Dividend on the agreement nor CITI at all even tho I printed it from Citi Website.He has given me 21 days to come up with the agreement for my specific card and he will grant My MTC.

  Since I have defaulted with Citibank They have not agreed to help me on the phone by Providing me with the Citibank World dividend user agreement from when i had the card(In 2016 they changed the branding to "World Cash Back card") so the exact title Citibank World Dividend no longer exists.So my entire case actually rests on if I can find this agreement.I intend to call citibank 10 times a day and maybe somebody will help me but nobody wants to.If by chance anybody on here has a Citi world dividend or Citi dividend agreement from 2016 or before I will make it worth your time to send me a copy

Guys i need  opinions. Got a call from JDB lawyer and we talked about options. One that i was thinking about is a consent or stipulated judgement. They  will settle for 40% of amount with what ever monthly payment i set until its paid (no length of time) and will not file it unless i default on payments. What you guys think?

I am being sued by PRA in PA and just filed an answer to the complaint with the court.  Just wondering what i should do as next step in the the process.  Should or Can i start a discovery asking the Plaintiff for Product of documents right away or does this need to be granted first by the court? Thanks so much for any suggestions or recommendation.  

I've read over the forums for a couple hours and found the arbitration option.

I have and had 4 - 5 year old debts (most of it I paid off a couple years ago before I knew there were other options) one of which, Gurstel is coming after.

I am wondering if I should try to settle this debt, but then again, it is SO OLD and I really don't want to. I work for myself, so I have a lot of time, I somewhat understand the courts, how to look up statutes and how to file, just enough to be dangerous! Any help is appreciated!

I found this on another post and thought it might be helpful to anyone responding:

1. Who is the named plaintiff in the suit? I have not been served yet, but on Gurstels' paperwork current creditor is Cavalry SPV I, LLC

2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Gurstel Law Firm

3. How much are you being sued for? $1621.83

4. Who is the original creditor? (if not the Plaintiff) Synchrony Bank

5. How do you know you are being sued? (You were served, right?)  not being sued yet, had first contact from Gurstel two weeks ago via mail.

6. How were you served? (Mail, In person, Notice on door) not served yet

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? Notice they had the debt, I sent a letter requesting them to prove it and they sent my agreement with Synchrony and a final statement and the Bill of Sale of the debt.

9. What state and county do you live in? Wisconsin

10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) At least 4 years, possibly more, it has not hit SOL yet.

11. What is the SOL on the debt? To find out: 6 years

12. What is the status of your case? Suit served? Motions filed?  no legal action yet, junk debt is with a law firm, that's it

13. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) No

14. Did you request debt validation before the suit was filed? Yes, I have their return letter with statement dated 4/5/2015, I stopped paying on this well before 2015.

15. How long do you have to respond to the suit? do not have suit yet

16. What evidence did they send with the summons? no suit yet

Hello All,

  This website has been a wealth of knowledge in the past and I have shared it with family an d friends, Thank You.

I could really use advice on a JDB scenario going on now.

Being sued in Texas Justice of the Peace Court. I filed original defendant response for dismissal. I'm inclined to settle for way less. Should I call the law firm, email, mail, a settlement offer or wait to hear from the firm?

Credit One is original creditor

LVNV is JDB

original credit limit is 900, amount being sued for is 1350.

Thank you

Has anyone been summoned to court by Advance Financial in Nashville?   They are a horrible, unethical creditor ( check BBB & other credit sites) with a ruthless & very "famous" debtor attorney, apparently.  They've already been paid 2.5 times the amount loaned, have not contacted me for 7 months, then a summons comes from a lawyer with very little info or notice.   I don't have time or $$ to be  more thorough with them, so will do a Sworn Denial for now.   This attorney has a gazillion other former customers on the docket that day, so I am wondering if the judge will just blow me off & give a summary judgement?!  Help. does anyone here have any experience with  Davidson Co, TN General Sessions and/or fighting Advance Financial?

I'm being sued in Middle TN by Portfolio.  Havene't been served yet so I'm not sure how much or who the OC is.

I've been through this before in 2003 and again in 2008 and got rid of them without paying them a dime.  (I was around for the Art of Credit days, LOL!)

Back then a JDB couldn't establish the chain of custody and used hearsay affidavits that could be easily defeated.  Now it looks like arbitration is the way to go and I am wondering why.

Have we really been punked by 'self authenticating' documents and rules of evidence that took away our hearsay defenses?

They have a form for a 'Sworn Denial' but I'm wondering if that's enough.

Was sued by a 3rd party junk debt collector. Won MTC Arbitration in court. I just recieved a letter stating that the Arbitrator is not accepting the filing. AAA was who the complainant's attorneys filed with. What's next?

I'm being sued in Middle TN by Portfolio.  Havene't been served yet so I'm not sure how much or who the OC is.

I've been through this before in 2003 and again in 2008 and got rid of them without paying them a dime.  (I was around for the Art of Credit days, LOL!)

Back then a JDB couldn't establish the chain of custody and used hearsay affidavits that could be easily defeated.  Now it looks like arbitration is the way to go and I am wondering why.

Have we really been punked by 'self authenticating' documents and rules of evidence that took away our hearsay defenses?

They have a form for a 'Sworn Denial' but I'm wondering if that's enough.