In Ohio there is a civil rule that requires a court to dismiss any case where service is not completed withing 1 year of the filing of the complaint. It's automatic. Florida must have a similar rule.
So, call the Clerk of Court and ask what the rule is. I bet they are helpful, Ohio also has a rule that if a case has already been dismissed one time, for any reason, then the second dismissal is a dismissal "with prejudice" and the case can never be re-filed again. Once again, Florida will have a similar rule. Good luck,
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Did the bank give you a written explanation of why you did not get the home loan (what is often called an "adverse action" notice)? The law requires this notice to be given. I ask because credit reports do not often report pending lawsuits. Much more frequently, they report the alleged debt which forms the basis of the lawsuit. This may seem like a hair-splitting, but the lawsuit may be irrelevant to the bank. I would anticipate that it is the debt being reported on your credit report that is affecting the bank's decision.
The good news is that if the "completely bogus" debt is on your credit report, then the federal Fair Credit Reporting Act may give you a legal remedy that includes damages and having your attorneys fees paid. I suggest you look for a consumer attorney to assist you at www.naca.net.
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