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Answering A Summons. What else should I do?

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Joined: 06 May 2009
michael_stangl84's page
Posts: 2

58 Magic Points

Subject: Answering A Summons. What else should I do?
Posted on Wed May 06, 2009 6:52 am  

I've been summoned to court for my Washinton Mutual account. The amount is 1,475, plus they want interest and attorney fees. I'm preparing to answer the summons in a day or two, but I was wondering if I should also ask for debt validation while I'm at it. Or can I/should I call the attorney's office and try to settle before it goes to court? It's within the SOL still and the account has been bought by a junk debt collector and now seems to be through an attorney's office.

Posted on Wed May 06, 2009 7:34 am  

Hi michael

In my opinion, asking for debt validation could be of help.There is no way for a junk debt collector to prove, that you owe him money because there is only an assignment of the debt given to him and not a contract between you and the creditor. Even if he has purchased the account, it does not make him the original creditor. He is still a debt collector and covered by the FDCPA.

Posted on Wed May 06, 2009 9:49 am  

So debt validation could say that I'm not contractually obligated to pay the debt collector and my case could be thrown out?

OR, could it prove that I actually owe a lesser amount than what they're asking and allow me to settle for a lesser amount either in court or out.

That being said, my main question is this: Can I call the attorney's office that is suing me and try to settle before court?

Joined: 06 May 2009
michael_stangl84's page
Posts: 2

58 Magic Points

Posted on Wed May 06, 2009 2:01 pm  

Sorry, that last post was mine. I also don't know why my avatar is a girl and can't be changed Rolling Eyes

Subject: Answering Summons
Posted on Thu May 07, 2009 3:39 am  

What is also possible is, you convince your original creditor that you want to settle your dues with him, requesting him to pull the accounts from the junk debt collector. In the meantime get your debt validated. If you actually owe the debt, reply to the summons telling the court that you are in the process of debt settlement with your creditor.

You could also negotiate with your creditor. There is a possibility that the debts might be reduced by 40-60%. You can also request for a new structure of payment that is affordable. The last option could be to seek help from debt settlement agencies.


Joined: 06 Jul 2006
Mary's page
Posts: 684

17426 Magic Points

Posted on Thu May 07, 2009 7:37 am  

Hi michael
You can change your avatar anytime if you like by visiting edit profile option after signing in with your user id and password. However, the height and width of the avatar should not be greater that 150 pixels and the size of the file should not exceed 17 kb.
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by far the most controversial, And most pressing arguments for studying the pill's effects on mate selection was the impact on future generations.

A few small studies in the published review found a genetic distinction between the men women find attractive during a natural cycle, And the men women found stunning while on the pill. Women on the pill found men who were more genetically similar to themselves more pleasing, While women who were off the pill found men who were genetically dissimilar that much more attractive.

Animal reports has shown that genetically similar mates have a harder time producing offspring, And the young they do produce are less fertile in turn.

then again Dr. bill Hurd, A fertility expert at the University Hospitals Case clinic, Was suspicious of the jump from the animal kingdom to modern problems with infertility.

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Hurd said doctors used to test infertile couples to see if they were HLA compatible a genetic similarity on blood cells that can decide if a person is a match in organ transplants. having said that, The HLA testing proved unhelpful to treating fertility.

Hurd was also distrustful about the leap from small studies asking which person you find attractive in a picture, And asking which person you would choose for a wife.

"this study really didn't even touch that. This study didn't even talk about choice of a mate, They talk about priorities, suggested Hurd.

"I would venture to guess that the changes within our interpersonal connections would influence future mating patterns think about how online dating has changed who we pick to date, stated that Hurd. "You're buying a person online.

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