need help
Date: Thu, 05/27/2010 - 22:39
Hanna had very abusively forced me to settle with them at an amount I didn't agree upon or at last asked rep of Hanna to give me one more month to get the fund together, that lady threatened me (several threats during conversation anyway) to sue me and hung me up.
Before that call I made to Hanna, Hanna already sent one of my chase account to Eaton, now both are in the hand of Eaton, and I received 2 different letters (one in April, one in May, 2010) requesting me reply within 30 days otherwise the debt will be assumed. I neither took nor returned Eaton calls.
Now I am sued. I thought one attorney in my area I found on naca.net will fight the case for me, but unfortunately he told me that I have no chance to win because Eaton represents Chase...etc.
I am glad to read you all's, please give me your advices and support. Please tell me how to answer the summon, petition, and admission of facts.
Okay, are these accounts valid? Since you haven't disputed their
Okay, are these accounts valid? Since you haven't disputed their collection efforts on these accounts after receiving the dunning letter of collection, you have somewhat agreed to the debts. You may try and negotiate an outside the court settlement with Eaton Group if want to avoid the court. But, at the same time may also prepare your response for the summons. You may find the following links useful.
http://www.nedap.org/hotline/defenses.html
http://www.nedap.org/hotline/settle.html
Check out for possible defence, like- expired SOL and such.
On the one that you have a summons on you need to answer the sum
On the one that you have a summons on you need to answer the summons and file it with the court and mail a copy to Eaton Group Attorneys. You could then try working with them to get a settlement offer. The lawyer unfortunately was probably right about you beating the case becasue Eaton is representing the original creditor. If you don't have the money to settle, you would probably do better to force the issue to court and get the courts to mediate a payment plan.
Have they given you any of the orginal documents?
I purchased a packet from SORRY, BUT WE DO NOT ALLOW THESE KINDS OF SOLICITATIONS HERE. YOU SHOULD KNOW BETTER. that I used recently to beat Eaton Group Attorneys. The packet is $37.00 but was a lifesaver. I couldn't afford and attorney but i used the information and I won. It shows you how to answer, gives templates, and defenses. It is a good investment especially becasue you have other cases pending.
With the other case, you need to send a debt validation letter to Eaton. Always send a debt validation letter to creditors to not only validate the debt but to test the waters as to what information they have on file. If it is a third party debt collector your chances of winning are greater.
EDITED By skydivr7673: First things first, you are being sued by the original creditor, not a debt collector. So, while you technically could demand validation from their attorney, if Chase themselves are the plaintiff then you have no grounds to demand validation. Additionally, since the lawsuit was already filed, validation doesnt matter at this point anyways.
