I live in Michigan got a letter from a local law firm in mid Feb. stating i owe them 2700 dollars from an acc. that was charged off in oct 2002. I sent validation that day and received a letter from the att. giving me 2 different account numbers. Now they just sent me a summons and complaint. Question: Was this a proper way to validate the accounts? Also how should I file a written response? Plus these accounts had 500 credit limits, isnt this alot of interest. Thanx
Sounds like they need to be reminded of Spears v. Brennan http://www.state.in.us/judiciary/opinions/archive/03260101.ewn.html or http://www.creditcourt.com/law/fdcpa-spears.shtml
However, if they have sent you a summons and a complaint, you'll need to respond to their complaint (denying everything but your name and address). Hire a lawyer and/or start reading case law, confirm the statute of limitations. Given the precidents, they probably don't have much of a case, but if you don't fight back, they can still get a default judgement against you. In this link is a handy list of defenses you can pick and choose from in your defense: http://consumers.creditnet.com/Discussions/p-the-script-post457736/postcount4.html
