What is the name of your state? Wisconsin
Can I request a validation of debt after I went to the initial court hearing, they scheduled the next court hearing for 6/20/05. Here is my situation(In case my reply to mommiedearest wasn't seen):
The cc company is Direct Merchants Bank and it's collection agency. The agency I am dealing with through DMB is located in Wisconsin , assuming since that is where I reside. I had my first court hearing for them and they just sent some local lawyer there to see if I would show up and dispute it. Which I did. My cc that they are trying to collect from was a secured cc. I opened it back in 1997 and they issued me a unsecured card after I had good standing with them for a year. My last payment on the unsecured cc was 4/7/00. I spoke with DMB and they stated that they don't have any records of me oweing them any money and they show my unsecured card as paid in full and closed at my request. They sent me a letter stating this. So I sent the collection agency a copy but they are still taking me to court. DMB also disputed the debt and had it removed from my credit report as of thrusday this week, the day I went to court I received a copy from Transunion. So I am unsure of how this will all end up but it has been very frustrating and taught me a lesson on keeping everything, paper files! I asked the collection agency to send me a copy of the bill or something showing that I owed the debt and they said no, we will take you to court before we do that. So I said ok, I am not paying on a debt that I do not owe. I am very afraid that even with everything that I have a judgement will be in their favor. Anyone have any suggestions for me on this? What more can I do?