I received a letter from C&S acouple of months ago, stating that there was a judgement against me for a credit card. This letter also states that they were willing to work with me. I filed an order to show cause immediately and was in court within the week.
In court, the Judge said that C&S was the credit card company's attourney, not a debt collector that had purchased the debt from the credit card company and that the lawsuit will be heard within 6 months.
I did mention that The Affidavit of Facts noted that a summons was served to me, but this Affidavit was signed and notarized almost one month before the summons was said to have been served and notarized. I also mentioned that I had not received the summons or any paperwork from this company before the letter stating that I had lost the law suit, but the Judge said nothing about that and that we are proceeding with the hearing.
It is my uderstanding that C&S has great difficulty producing paperwork. My first question is what do I ask them for before this court date arrives?
To makes things even more frigtening for me is that I've just received a letter from C&S regarding a DIFFERENT credit card.
At first I was going to send a cease contact letter, but now I think I need to send a debt validation letter. I am hoping to send them a letter with very specific instructions on what exactly i need them to validate, but cannot find a good template. I like to use Budd Hibbs website, but it seems to be down, and I need to send this request out ASAP.
I am a single parent who has found myself unemployed for the first time in my life. I need to do this as cheaply as possible as I have no savings at all. Any help or tips would be greatly apreciated.
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