POSSIBLE SUMMONS
Date: Sat, 02/23/2013 - 15:16
Sir/Ma'am,
How are you today? I apologize for bothering you about the following, but I would like to be prepared and have the best information possible.
This morning, a relative that I am temporarily staying with informed me that someone attempted to serve me a summons from Chase. I am about to move in a few days to a different state for a military-related matter, so my relative covered for me and informed the representative that I moved and he wasn't sure where I was.
I checked the County Clerk of Courts website, and sure enough, there is an open civil matter against me from Midland Funding LLC.
I reviewed my recent credit report, and Midland Funding LLC has apparently purchased my $13,000 credit card debt from Chase.
I currently live in Florida, and I am fairly certain (off the top of my head) that any last payment that I made to Chase was possibly in 2007/2008 (the account has long since been closed), which I believe has circled -- if not surpassed -- the statue of limitations for this debt.
Regardless, after researching some options, I have sent a certified/tracked validation letter request, via 2 Day Air, to the address listed on my credit report for Midland Funding LLC (in San Diego, California), politely demanding that they validate/confirm all of the debt-related details from Chase over the past years.
I will continue to monitor the County Clerk of Courts website for pending status updates, but as of now, I will be moving around a bit due to the military/training, so I don't know what they will attempt to do.
Obviously, I know I screwed up. I plan to resolve all of the debts that I have, but I just can't afford to do so at the moment. Once I have some military aspects taken care of, I should be able to seriously tackle the debt in another year or so.
Thank you in advance for your time and patience with this -- I really appreciate it. Any advice/recommendations/suggestions that you may have for me would be welcomed. Thanks again!
How are you today? I apologize for bothering you about the following, but I would like to be prepared and have the best information possible.
This morning, a relative that I am temporarily staying with informed me that someone attempted to serve me a summons from Chase. I am about to move in a few days to a different state for a military-related matter, so my relative covered for me and informed the representative that I moved and he wasn't sure where I was.
I checked the County Clerk of Courts website, and sure enough, there is an open civil matter against me from Midland Funding LLC.
I reviewed my recent credit report, and Midland Funding LLC has apparently purchased my $13,000 credit card debt from Chase.
I currently live in Florida, and I am fairly certain (off the top of my head) that any last payment that I made to Chase was possibly in 2007/2008 (the account has long since been closed), which I believe has circled -- if not surpassed -- the statue of limitations for this debt.
Regardless, after researching some options, I have sent a certified/tracked validation letter request, via 2 Day Air, to the address listed on my credit report for Midland Funding LLC (in San Diego, California), politely demanding that they validate/confirm all of the debt-related details from Chase over the past years.
I will continue to monitor the County Clerk of Courts website for pending status updates, but as of now, I will be moving around a bit due to the military/training, so I don't know what they will attempt to do.
Obviously, I know I screwed up. I plan to resolve all of the debts that I have, but I just can't afford to do so at the moment. Once I have some military aspects taken care of, I should be able to seriously tackle the debt in another year or so.
Thank you in advance for your time and patience with this -- I really appreciate it. Any advice/recommendations/suggestions that you may have for me would be welcomed. Thanks again!
Florida SoL is 4 years so in
Florida SoL is 4 years so in case you incurred the debt in Florida, the debt is time barred. It would be a different matter though if you incurred the debt elsewhere.
As for the summons and the court hearing, you should really appear in court on the given date or you will be stuck with a default judgment. Appear in court and dispute the charges stating that the debt is time barred (again taking FL SoL into account).
I might be able to help you
Mich, Sign up as a member so I can send you a private message. I'm in Florida myself and, I know a attorney who deals with collectors on a contingency basis. Maybe he can help you out.