The plantiff is PRA, assignee of Citibank and they are represented by a C & W attorney. The lawsuit was from 2019, and I was served in August(2021). Apparently they were given 2 yrs to serve this. I answered in Sept and have a contested hearing in Magistrate Court next month.
My concerns were:
1) that there were two addresses in the paper work, mine on the statement copy(from 2016) and a different address on another exhibit in a state I've never resided in.
2) I have to get a copy of my credit report because I'm not sure it is mine, as it does list two different acct numbers, one is partially redacted w the out of state address.
3) It also had the date of acct openening as 2010 and a crdit card agreement copy dated 2015, was included as an exhibit.
4) The bill of sale and assignment, stated two different dates of sale... Also confusing. Will they need person who signed it there for testimony?
5) Agreement stated arbitration could be filed at any time, even when there is a pending lawsuit, unless trial has begun. So this must be done before hearing?? Like now correct? And by doing it now, I'm not "filing in small claims court", simply filing as agreement states is the course of action?
Thanks for any feedback.