Being sued by Cap 1 in OH..any help is appreciated!!

Discussion in 'Credit Talk' started by ohionewbie, Apr 3, 2009.

  1. ohionewbie

    ohionewbie Member

    Hi All,

    As you can see this is my first post, so go easy on me!! Here is the situation, I was served a summons by Cap 1 in Feb. I submitted my answer in March (on Time). This is in civil court and a date for pre-trial has been set.

    The plaintiff is listed as Cap 1 and they are being represented by a debt collecting law firm in the area.

    The last payment on this account was March of 2005. When the account was opened and charged off I lived in the state of Florida. I now live in OH and have for the past 2 years. The SOL in ohio is rediculous. In my first affimative defense I claimed the suit was time barred by the SOL set forth in the original agreement. It clearly stated that VA law govens.

    I have been doing research on both VA law and OH law. I am trying to determine if OH has a choice of Law provision. I am hoping that they do as this is my primary defense.

    I am wondering if I should file a motion to dismiss based on the SOL or if I should just go to the pre-trial? I have spoken with a lawyer and he doesn't think it is worth it to retain him. If I lose I have to pay both him and the debt collecting atorneys!! I have heard from a lot of people that once you are in the courtroom and all the legal jargon is being thrown around it is very difficult to represent yourself!!

    The account charged off in the amount of $2100 and they are asking for $3600+. Ideally I would like to settle the account for $1500.

    Any advice would be greatly appreciated and if any one has any VA case law or OH case law hanging around, let me know!!!

    Thanks
     
  2. cap1sucks

    cap1sucks Well-Known Member

    What did you say in your answer?
    Did they provide any affidavits with the complaint?
    You will do better looking for Florida cases against Cap1 and SOL.
    File motion to dismiss
    Yes it can be but if you have proof of when you last paid Cap1 you should be fine.
    I doubt you are going to settle the case for half or even anywhere close to it. If you don't prevail on a SOL defense what are you going to do?
     
  3. ohionewbie

    ohionewbie Member

    Cap1sucks...thanks for the reply!! Any help is appreciated!!

     
  4. Hedwig

    Hedwig Well-Known Member

    Florida law won't do you a damned bit of good in Ohio. However, the contract almost assuredly has a choice of law provision saying it is governed by Virginia law. The VA SOL is three years. If it was over three years old when the suit was filed, your defense should be that the contract has a choice of law provision designating that Virginia law applies, and the the debt is time-barred under that Virginia law.
     
  5. ohionewbie

    ohionewbie Member

    So do you think I should file a Motion to dismiss? If I file it and the court does not grant it, I still have the pre-trial right or can they get a default judgement againist me?

    Thanks
     
  6. Dumb Bob

    Dumb Bob Well-Known Member

    There are people, who instead of watching "Days of our Lives", file lawsuits and set things for the 9am cattle call about every week. What you'll accomplish is you'll get the other side to drive to your court. This might be a distance. Since you were supposed to roll over and die, and you haven't done that, they are likely not to like this.

    There are lots of ways you can play this. You can hide and become real small, hoping they won't notice you. Or you can become a giant ass and drive them absolutely crazy. Dumb Bob can't tell you want to do. That is up to you.
     
  7. cap1sucks

    cap1sucks Well-Known Member

    Assuming that you are correct then please explain to us why lawyers routinely quote cases from other states in their briefs and motions and go to great lengths to find cases from other states to quote.
     
  8. ohionewbie

    ohionewbie Member

    I also failed to mention that I am pregnant and my due date is May 13th. My pre-trial date is May 11th. So I will most likey need to file for a continuance. I would actually prefer going to court being 9 months prego, but you just never know when the baby decides to come.

    So do you think I should file for continuance first and then the motion to dismiss?

    Thanks for the help!!!
     
  9. CTF388

    CTF388 Well-Known Member


    Because the reasoning in those cases may be applicable to the case at hand.
     
  10. Dumb Bob

    Dumb Bob Well-Known Member

    Do you know how to set something for a hearing? Because just saying that you want something to happen might just mean that the issue will be discussed at the time you wish not to discuss it, the time that you've already been given.
     
  11. cap1sucks

    cap1sucks Well-Known Member

    EXACTLY! However the question was directed to DumbBob who said out of state cases are worthless.
     
  12. Dumb Bob

    Dumb Bob Well-Known Member

    Dumb Bob notes that there was in fact no question and the comment was actually made by one "Hedwig" who said: "Florida law won't do you a damned bit of good in Ohio."
     
  13. ohionewbie

    ohionewbie Member


    Okay I am totally confused can you explain please??
     
  14. Dumb Bob

    Dumb Bob Well-Known Member

    You have a hearing date. But you can't wait for that date to ask for a continuance because the whole point is to avoid having the hearing on that date. So you need some means to get someone who can change that date to change that date.

    Exactly how this is done might be different at different court levels and in different states but one means is probably to set a motion hearing. That can mean typing up a motion and the right cover pages saying that you want a hearing to reset your hearing. There might also be a judge's judicial assistant that you can at least contact for some direction here and possibly more. It will depend on the type of court probably. Remember, you don't want "legal advice", you just have this question you want to ask.

    One way to find out what to do is to read what others have done in your court. Go to the court and ask to read some cases. Generally these are public records that should be available to read for free although you would have to pay for copies. You don't really need copies, you need to see how people format things, what happens in certain situations, etc.

    These cases may be in physical folders or they may be in electronic form. There may be limits to how many you can see at one time or there may not be. You should find out.

    The big problem is that if this is a lower level court, you might just get a pile of cases where the defendant rolls over for the other side. That can be a bit disillusioning. So you may want to go to a higher court where both sides are likely to have lawyers and see what the defense lawyers do.

    Take it all one step at a time. You are early in this. You can still give up like almost everyone else does if it becomes more than you can deal with. But I wouldn't say it's good to give up without even trying to understand the situation. You might learn something useful.
     
  15. ohionewbie

    ohionewbie Member

    Thanks Dumb Bob!! The last thing that I want to do is give up. I just don't want to be in the hospital giving birth, while I'm supposed to be at Pre-Trial. I called the court, it is a civil court in a small town. The woman I spoke with told me to type something up and submit to them why I want to move the date.

    Ultimately I want to file a motion to dismiss as this is time barred by VA SOL.
     
  16. Magdalen77

    Magdalen77 Active Member


    I know that the one time I had to request a continuance in a lower court I basically sent them a memo with the case name and docket number. Basically saying, "We respectfully request a continuance" and then giving our reasons why.
     

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