Hi everyone!I just got a civil actions summons in the State of Georgia. The original credit was Credit One Bank, but Midland Funding purchased the debt.
To be honest, I have no idea where to start. I've been lurking the forums today, and tried pulling apart info from various other individuals with similar issues, couldn't really find a solid answer for my particular situation.
Any information that's needed from me to provide any assistance will be immediately posted.
Thanks in advance!
1. Who is the named plaintiff in the suit? Midland Funding LLC
2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Cooling and Winter LLC
3. How much are you being sued for? $861.08+court costs
4. Who is the original creditor? (if not the Plaintiff) Credit One Bank
5. How do you know you are being sued? (You were served, right?) Served
6. How were you served? (Mail, In person, Notice on door) Sheriff came to door to drop of documents, but I was not home. I went to sheriffs office to pick it up
7. Was the service legal as required by your state? Yes
Process Service Requirements by State - Summons Complaint
8. What was your correspondence (if any) with the people suing you before you think you were being sued? Not that I know of
9. What state and county do you live in? Henry County, Georgia
10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) 2/2016
11. What is the SOL on the debt? 6yrs
12. What is the status of your case? Suit served? Motions filed? You can find this by a) calling the court or 
looking it up online (many states have this information posted - when you find the online court site, search by case number or your name). Just served13. 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? No
15. How long do you have to respond to the suit? 30 days from today