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Hello,
I was served yesterday at my father’s address a warrant in debt.
They have attached a bill (account statement), a bill of sale and assignment, Exhibit 1 Asset Schedule, Affidavit of Sale of Account by Original Creditor (to Midlands Funding LLC), Certificate of Conformity, Field Data (with Balance -$1710.80, Charge off date Feb 10, 2010, Last payment Amt $54.00, Last Payment Date Aug 13, 2015, Last Purchase amount $1,100, Last purchase date June 12, 2010, and my personal particulars), followed by another account statement with larger balance after interest accumulated, and finally an affidavit from someone at Midlands Funding LLC stating they would be willing to testify against me to collect the debt i guess.
Do i stand a chance? A Bill of Particulars doesn’t make sense at this point since there is some proof that i was paying on the account at a point in time? What can you advise? Should i simply pay it? Or do i have a chance at beating it? The court date is Feb 28th, 2017. Please advise
I am interested in settling if it cannot be dismissed. Court date less than a week away.
If I wanted to stand a chance at winning I would hire an experienced debt defense attorney. But the issue here will be the cost of doing that. You could pay more in attorney costs than what you owe, and certainly more than you could settle for.
I can email you list of NACA attorneys with the experience you need if you like? What state are you in?
Hello Michael i got a judgment in the mail from Midland from a chase card that i dont know about. I did have a chase card in 1998 that i couldnt pay but that was 18 years ago . they said the judgment was open since 2009 and i have 30 days to respond or they maybe subpeona me. Isnt this debt already to old for them to come after me?
Let me give you a little info on the chase credit card debt they gave me a card in 1998 for 5000 dollars credit but now 18 tears later midland says i owe them 15000 can i just call chase and settle with them or pay them.
Midland is a debt buyer Chase would have sold the account to. Chase is out of the picture at that point.
Judgment debts have a different shelf life, so quite likely no, the debt has not expired as a judgment. In some states judgments can be renewed forever.
What state are you in?