Hello and thank you for your question.
You need to file a response to the summons. Just sending a dispute letter to the creditor will not stop the lawsuit.
Its really a good idea to either hire or at least consult with a local consumer law attorney regarding the lawsuit.
Most of these cases can be won even if you do legitimately owe the money.
you can find an attorney in your area by going to www.NACA.net
What other questions do you have regarding this matter?
What kind of attorney do I look for?
You would want a "consumer law attorney"
Some that has experience in defending debt lawsuits
I got served today both the stamp on the Summons say 8/27/12. I am 10 days into the 30 days?
No, the 30 days starts when you were served which would be today. The date of 8/27 is most likely the date the summons was issued by the court.
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Can you explain a little bit into this "Most of these cases can be won even if you do legitimately owe the money." Thanks
When they sue you like this the must be able to prove their case in court. Most of the time debt buyers like this do not have the documents they need to actually prove you owe the debt and that you owe it to them and not the original creditor.
In my experience in handling over 2500 of these cases, is that these lawsuits are really just scare tactics designed to get you to call them and pay, or they are hoping that you continue to ignore it and they win by default.
That is exactly what I taught since they did not come back to me after they received my certified letter. Can I also sue them for not responding to me and all of a sudden get a summon.
If you sent them the dispute letter BEFORE they filed the lawsuit and they did not respond to your dispute letter before filing the lawsuit, then YES you would be able to sue them under the Fair Debt Collection Practices Act ( FDCPA )
When you dispute a debt they must suspend all collection activity until they have sent you verification of the debt.
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What is the statute of limitations for California. Just curious. You defiantly get a 5+. Very impressed.
One moment, let me check on that for you...
In CA it is 4 years from when you stopped paying
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