When you are served, the summons accompanying the complaint will state your answer period. It will start from the day you were served. It should be 14 days for District Court (DV) and Small Claims (SM) cases and 30 days for Circuit Court (CV) cases. This is not something you want to ignore. I'll be happy to pull the case up and see how Asset Acceptance ("AA") plans to serve you. Just shoot me email or give me a call.
Since they have already sued you, the debt validation letter really...
You mentioned that the medical debt has gone to collections. Be on the lookout if you dont think they are treating you fairly and with respect. Be especially leery of any harassment or contact of your family or friends. You may be able to go after them.
You do not have to live in fear of the landlord. If you feel threatened, call the police. The landlord cannot make you sign anything. At best, all he can do it start the eviction process. That will take months to complete, so do not feel like you are under some type of pressure to sign something or the locks will be changed. If he does change the locks without a court order, call the police.
You have so much going on that it is important to document EVERYTHING. Take pictures of the...
You can still file bankruptcy and include this debt. Please keep in mind this does not apply to secured claims, like your mortgage. If your home is in danger of going into foreclosure, you need to have a bankruptcy filed before the sale date if you want to keep it.
To answer your question directly -- there is a $50 filing fee for Motions for Summary Judgment. However, based on the facts provided, Im not sure what is going on and therefore not sure if a summary judgment is what you need to file.
It doesn't need to be registered/recorded to be valid.
Its best to contact the closing attorney before the closing date and let him/her approve it. I don't think it should be a problem, but its not something to bring up at the last minute.
If you have sued, the most important step is to file an answer within the response period. No matter how good your defense is, if you wait too long, the company can get a judgement against you with a minimal amount of evidence.
The statue of limitations is one defense but you may have many others. Its important to consult with a consumer protection attorney ASAP. A list can be found on naca.net. Also, please feel free to email me the case number and be happy to assist.
This happens quite frequently and it really puts people like you in a bad situation because these debt collectors cant provide an adequate response about what happened.
You should definitely dispute it with the debt collector and ask for verification. However, I doubt you will get much of a response other than debt has been "verified." Do this in writing via certified mail.
Most importantly, do NOT agree to pay anything until you talk to an attorney no matter what they tell you....