Hey SBAfter I transferred the accounts to the other company I did close out both accounts with the original lender.
I agree and am upset with the company that took it over and they are the ones telling me that there records only go back 12 months.
I asked them....Then just how do you defend yourself in a law sute when you don't keep the records in some kind of data bank.
There response was that they would come into court and say that they didn't keep those records on file.
This blows my mind when they said that, They also said that the account numbers could have been changed for security reasons.
That to me is just unexceptionable. And the thing is the company that took them over is a highly regarded company.
Yes it a real law sute with its own case number.
I have responded to every letter from the court in writing and sent by them by registered mail return receipt.
The judge has granted me with the power of "DISCOVERY" witch I admit I have no clue as to what that really means.
I also sent by registered mail to the company that is suing me requesting any and all evidence that they will bring to court.
I know they can't ambush me in court so they have to send me all there records and what they plan to bring to court.
I have not received a response from them yet. Under the power of discovery, they the suing party has to supply me with all there evidence.
Man these legal terms are complicated. Trying to read legal speak is difficult for this old drop out.
At this point I can not determine whether this is a dept that was paid off or something else I have over looked.
The original lender is not cooperating because it has been bought out by a third party collections.
The third party has not given me the detailed information I need to prove it is a ligament dept.
I think the judge has read my response and has given me the benefit of the doubt and is giving me an opportunity to find out through the power of discovery.
I do plan to pull my credit report but haven't done so yet.
I did make the third party an offer and they rejected it.
It's all a frickin mess that is eating up all may time.
Google prepaid legal, they may be able to provide you with a reasonably priced attorney.
I agree if the debt collector can't provide evidence they dont have much of a case. They may be harrasing you to get a settlement without court.