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  #1  
Old 01-11-2005, 01:26 PM
Junior Member
 
Join Date: Dec 2004
Posts: 8
Question

SOL defense-trial date set


What is the name of your state? Florida

Today my husband went to a pretrial conference for a suit that Asset Acceptance brought against him for an account that is past the SOL of four years. In mediation we used the SOL as our defense and were advised we would have to go to trial. We are to receive the trial date in the mail when it is set. At this point would it be prudent to send a letter (CMRR of course) to Asset stating they have violated FDCPA by filing suit on a time-barred debt and requesting they drop the suit? If we do have to go to trial, what should we know in advance? We have printed out TILA, Florida state Senate website listing of Statutes, and DH's Equifax report that lists the account type as Open/Revolving with last payment of 6/00. What else do we need? Is it worth it to hire legal counsel of our own? The Attorney we met with today only scheduled the trial for thirty minutes in front of the judge.
On a side note, their lawyer met with 17 people and got them to sign settlements during the time we were there (about 3 hours). He was amazed when I started citing TILA and others in our defense. He asked if I had a legal background and seemed geuningly impressed when I told him what I knew about our rights. It is a shame more people don't research their rights, and I thank you all on this board for teaching me what I need to know to help my husband fight this!
  #2  
Old 01-11-2005, 01:31 PM
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Join Date: May 2004
Posts: 633
Sounds like you're doing great! I'd definitely enter a cross complaint for any FCRA or FDCPA violations. Have you sent a request to them for debt validation yet? This will help you even further on your quest if they aren't able to provide it. If they do provide a full validation, it will help your case as it will show for sure that the item is out of SOL.
  #3  
Old 01-11-2005, 03:07 PM
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Join Date: Dec 2004
Posts: 8
Could you point me in the direction of an appropriate sample letter? The one I found doesn't address the fact that they have already filed a lawsuit.
Thanks again!
  #4  
Old 01-11-2005, 03:48 PM
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Join Date: May 2004
Posts: 633
I wouldn't even mention the lawsuit in your validation letter. It will only confuse them.
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