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To answer your question directly, you can request that the courts dismiss your case 'with prejudice'--that means that the lender would be unable to refile later and pursue you under the same cause of action. Such limitation would likewise attach to the debt itself, and then if the debt is sold, the other creditor would likewise be barred from filing suit against you for this obligation. There are typically two types of dismissals, 'with prejudice' and 'without prejudice'. The latter permits the parties to refile and the former does not. Hence, requesting such a dismissal would keep this from being filed again against you.
Thanks. current motion is "without prejudice".. to make it "with prejudice" do I have to file any document prior or right after the court, or I can just request it in front of the judge? and how difficult to get "with prejudice" in such case.
Thank you for your follow-up. You can simply request it in front of the judge. Judges do not tend to grant this option unless they see the same company filing multiple times and being unable to prove the debt. In essence the courts have to see that the other party is being irresponsible or frivolous--otherwise they tend to allow them to potentially review their own documentation and refile again if they are able to find this proof of debt.
Hope that clarifies.
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