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ok we bought a bow flex 7 years ago it was a total of 1'000$ and the monthly payments was $50 monthly but we over paid them in monthly payment in $200 a month so we could get it paid off faster this vowflex kept charging us late fee after late fee even thou we where paying $200 month now how is that late and now it been 7 years and they just sent us a letter saying they where sueing us for $ 3,077.12 vut the johnson law firm and that they where going to garnish is wages if he didn't pay court date is set for oct sometime they even served us papers that was bought to us by a police. I have papers showing we over paid some where. and I know that we don't owe them anything...

Posted: Sat Jul 19, 2008 9:55 am Subject:

First off Welcome! What state do you live in? When was the last payment made? What else came with the summons? An affadavit, questionaire, Discovery or Interrogatories? Start digging for that paperwork and let us know.

Posted: Sat Jul 19, 2008 10:03 am Subject:

I live in alabama and the last payment made was 2001 Been looking for those papers But I hope they didn't get lost in the move..

Posted: Sat Jul 19, 2008 10:21 am Subject:

If the above is correct then this debt is time-barred by statute based on AL's SOL of 6 years. Can you still access your bank statements on-line? You will need to prove when the last payment was made but you have an affirmative defense to the suit. What came with the summons?