My name is XXXXX XXXXX I'd be happy to answer your questions today. I'm sorry to hear that this happened.
Unfortunately, a dismissal without prejudice does mean that the company can file the suit again. They are only prohibited from filing if the dismissal is with prejudice. In Ohio, the statute of limitations
for breach of contract
is eight years (reduced from 15 in 2012), so they have a lot of time left to try to collect.
One thing that you can do is look to see what the basis was for the prior dismissals, to see if you can ask that it be dismissed again. Asset Acceptance is a debt buyer. They have to be able to prove that they bought a debt that you owed, but you can raise any defense that you would have against the original creditor. So, for example, if the bank agreed to waive the balance due on the loan
as part of the short sale, then you can defend on the basis of "accord and satisfaction". The bank agreed to accept a partial payment in full settlement of the loan. That's usually how a short sale works. Take a look at the documents. Unfortunately, you do have the respond to the lawsuit in order to avoid having judgment entered against you and you don't want to forfeit the right to defend yourself by not replying.
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