Okay so I fell in with a bad credit card company a year or so ago. They called their self Credit One. They tried to make theirselves sound more legitimate by using a name close to capital one and even had close to the same logo. The credit card was supposed to be for $400 but they took off like $70 for an activation fee or something . I made several attempts to pay these people and always had trouble. I am not a racist person but these people were all foreigners, Indian , I believe. I could hardly ever understand a word they were saying. I tried giving them my debit card over the phone to make a payment and they would say something to the effect that they couldn't accept a debit card. That didn't make sense to me, they wanted my bank account information to take it out that way, and like an idiot I gave it to them. They then tried to process the money, I guess, because they said that my bank was blocking them from taking the money out. I've never had any issue with anyone else trying to take money from me. They said I should call my bank and ask them to remove the block and let them take the money out. I called my bank and they laughed it off and said they weren't blocking anyone from doing anything. So later I called Credit One back and tried to get an address to send a check to. Like I say I could barely understand these people and I never understood what the address they were telling me was. They would call me about 20 times a day, usually before I was awake or while I was at work. Eventually I got a letter saying that someone had bought credit one out and that they were taking over. This new company seemed odd to me, like maybe a ghost bank. And not long after that I received one letter from LVNV saying they now owned the debt and wanted me to pay them everything including overages even though I tried to pay the original credit owner. Then it wasn't long after that that I started getting letters from attorneys saying i'm being sued by LVNV funding and that they wanted to help me or something by filing bankruptcy, I'm 27 so I'm not doing that. A courier from the magistrate tried to serve me while I wasn't home. So the next day I went to the court myself and got the papers. It says that LVNV says I owe them $682.75 plus $95 costs to date and all future costs. I made another mistake by calling the law firm that is suing me. They wanted to know where I work , and unfortunately I told her how I thought the company was a scam and that I tried to pay them. She asked me to write all of it down and send to them. Which I wont do because I believe they are wanting to use it against me, maybe as admission of me owing the money. The lady at the magistrate court gave me a reply form. I have 30 days to write my reply to the lawsuit or I lose automatically. I am unsure what to write, I don't know if I should deny owing any of it (obviously I feel this is wrong but i've read that LVNV has lost several cases by not being able to prove the person owes the money or that they own the debt now), or if I should tell the straight truth of how I tried to pay these people and they wouldn't take my payments. I don't know much about this stuff so I guess I'm just hoping for some advice. I live in Georgia by the way. Also their only evidence I see , exhibit A, is "Plaintiff's affadifit of indebtedness and ownership of account" . Its a form saying that they are an authorized representative of LVNV funding and that I origininated the account with credit one on 1/26/2015 and that the debt was transferred to them around 2/17/2016
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