Eric Steven Ruff's Answers

Junk debt collector mailed Plaintiff's Motion For Summary Judgment hearing by phone.

In collection matters, an early MSJ is a normal practice since the defendant rarely has a valid defense. Usually, the defendant did in fact borrow the money and subsequently defaulted on the repayment schedule. All that usually remains is to tally up the amount of the debt with interest, late fees, attorneys fees, and court costs, and get a judgment. A hearing on MSJ is a sort of trial by affidavit. One side says, "Your honor, my witnesses at trial would say such an so (and here are their...