I beat MRC Receivables in court today thanks to this site!

Thanks so much for all the help!

After learning that MRC Receivables is a junk debt buyer, and after learning what "junk debt buyer" means I was very irriated.

If not for this site I might well have wound up having a judgement against me. I was so nervous in court - I spent hours preparing my defense - I thought they were going to show up with documents to proove I owed on the debt....but at court it was MRC's lawyer who told the judge to dismiss the case with prejudice.

WHEH! Just wanted to share.

Congratulations!!!

I'm glad it all worked out for you.

It definitely makes me feel better to read some success stories in these forums too, Lets you know they really do help people!

I wonder why the plaintiff's council would motion for dismissal? With prejudice at that!?

Yeah!!!

I'm guessing they were banking on you not showing up so they could get a default judgment. When you showed up (probably seeming confident) they may have surmised that you had a plan, thus ruining their gambit.

Let me elaborate - I followed advice from this site & this was my 3rd court date.

When I filed my answer @ 1st court date I demanded debt validation & that the case be dismissed with prejudice if validation was not provided. Honestly - I don't even know what "with prejudice" means - I was just following some advice on filing my answer properly. Anywho - judge continued case @ lawyer's request.

At 2nd court date lawyer still didn't have debt validation - so judge moved to bench trail.

At 3rd court date (bench trail) I was so very nervous - I imagined they'd dig up old docs & doctor them up to look more recent to win their case, but they didn't. I think they didn't have their proof & knew they would not win, so rather than waste everyone's time they just told the judge to dismiss with prejudice, as I had requested in my filed answer.

On another note, I think the judge was surprised I filed an answer at all. The guy before me did not & judge was harsh w/him - telling him to come back to next court date & "come back with money".

I just wanted to share because I see so many other posting here are dealing with junk debt buyers - hopefully my story will help give some hope to those who might be feeling hopeless.

It certainly has Munchkin, I'm glad we could help you out. As to dismissing the case with prejudice, it means that the suit has been dismissed and they may not sue you for it again.

GREAT MUNCHKIN130!!!
I FEEL SO HAPPY FOR YOU MUNCHKIN130 AND I'M NOT SORRY FOR THE BIG SHARKS.

Good job munchkin! I remember your earlier posts getting ready for this court date....good for you!!

Congrats!

woooooooooooooooooooooooooooooooooooooo
hooooooooooooooooooooooooooooooooooooo!!!!!!

Munchkin...reading posts like this gives us all hope. You stuck to your guns and got the job done. Good for you!!!

Great job...you have given us all hope.


ladybug

Just goes to show people why I always suggest debt validation and fighting any plaintiff's in court. When you showed up and demanded what was well within your rights,they could not do it.

Hi, I'm glad i came across this site, because I'm going through this right now, and I'm very stressed. I have a court date pretty soon, and I needed some hope, so thanks to everybody for sharing your experience with me. Wish me luck

Good luck Carmel.
Perhaps you could tell me a bit about this debt, such as:

1. What kind of debt is it?
2. When was the first date of delinquency?
3. What state do you live in?
4. What collection agency are you dealing with?
5. What attorney are you dealing with?