carolinagirl23
Junior Member
What is the name of your state (only U.S. law)? NC
I've been fighting with a junk debt buyer over a credit card that they purchased for pennies for a year and a half. We're in discovery now. About 3 months ago, they sent me their 2nd request for admissions and documents. I was going through some health issues at the time (and had been hospitalized at one point) and totally missed that coming in the mail (it was sent regular mail, no delivery confirmation). I did eventually respond to their request, however, it was late. I responded to the best of my knowledge, and as far as their documents, they either weren't relavent or weren't available and I said that in my response. I've recently received a motion to compel request from them and just received a court date for that motion. They stated my responses weren't adequate. I have nothing else to say or give to them. So how do I procede?
1. Do I submit a request to deny their motion to compel based on the fact that I did send in the information?
2. Do I contact their attorney to find out specifically what they want from me in order to avoid having to go to court?
3. As far as the court date, it's also on a date that's impossible to make because of work obligations. Do I request a continuance? Do I do that alongside either of the above options? The court date is in about a month.
It's amazing to me how junk debt buyers operate. Upon researching them, this one in particular, they really just get by under the law and it's crazy to me. I've been fighting them with the hope they'd just give up, apparently most people don't fight and they win by default. But, it doesn't appear they are giving up in this case. I plan on filing bankruptcy in the next few months anyway, so it'll likely just go under that, but I don't want to deal with a judgement in the meantime. Anyway, any advice is greatly appreciated.
I've been fighting with a junk debt buyer over a credit card that they purchased for pennies for a year and a half. We're in discovery now. About 3 months ago, they sent me their 2nd request for admissions and documents. I was going through some health issues at the time (and had been hospitalized at one point) and totally missed that coming in the mail (it was sent regular mail, no delivery confirmation). I did eventually respond to their request, however, it was late. I responded to the best of my knowledge, and as far as their documents, they either weren't relavent or weren't available and I said that in my response. I've recently received a motion to compel request from them and just received a court date for that motion. They stated my responses weren't adequate. I have nothing else to say or give to them. So how do I procede?
1. Do I submit a request to deny their motion to compel based on the fact that I did send in the information?
2. Do I contact their attorney to find out specifically what they want from me in order to avoid having to go to court?
3. As far as the court date, it's also on a date that's impossible to make because of work obligations. Do I request a continuance? Do I do that alongside either of the above options? The court date is in about a month.
It's amazing to me how junk debt buyers operate. Upon researching them, this one in particular, they really just get by under the law and it's crazy to me. I've been fighting them with the hope they'd just give up, apparently most people don't fight and they win by default. But, it doesn't appear they are giving up in this case. I plan on filing bankruptcy in the next few months anyway, so it'll likely just go under that, but I don't want to deal with a judgement in the meantime. Anyway, any advice is greatly appreciated.