17 May 06, was presented with a summons from LBN. States they are suing on behalf of Midland Credit Management. Seems both of these companies are mentioned quite often in this site.
On 23 May, talked to a Tracey, rep of LBN. Stated that if we did not make a satisfactory arrangement with them during this conversation, they would be taking the case up with the courts the following week. I advised I had 35 days to respond to the court or 30 days to challenge. Stated that we are prepared to make a deal if we owe the debt.
By 25 May, We recieved a document (Agreed Journal Entry of Judgment) that gave the terms along with another document requesting additional information. This is my wife's debt, by the way.in the additional information document, It asked for her basic work information etc. But also asked for information on other family memebers.
At this point, we decided to dispute the debt. We never returned their paperwork.
We mailed the request for debt validation on 30 May. Houston Molinar signed for the letter on 2 Jun. The letter requested: Please explain the nature of the alleged debt - that is, what the money I allegedly owe is for; Please provide an accounting explaining how you calculated what you allege that I owe; Please provide me with copies of any contracts or documents which form a basis for the alleged debt; Please provide me with the name and address of the original creditor.
On or about 20 Jun, I got a letter from LBN stating they had they had sent our request to Midland and would forward us any response. That letter was dated 19 Jun.
I have two questions: 1: Do they not only have 30 calendar days to respond to the dispute? 2: When does this countdown begin. It would seem that it would begin when LBN got the letter since they are able to act as an agent in collecting the debt and making payment arrangements. 3: What do I do now that the 30 days have expired?
Thanx
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