AboutCreditwrench Expertise Debt Collections law, Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), federal law, how to properly answer court summons for collection cases, how to prepare federal cases against debt collectors, how to deal with debt collection phone calls.
Experience I've been an active consumer advocate for more than 40 years and have helped hundreds of people win cases against debt collectors as well as helping them defeat demands for summary judgment lodged against them by banks, debt collectors and defeat mortgage foreclosures and keep their homes.
Education/Credentials Paralegal courses for the most part. I have been teaching people how to deal with judgments, mortgage foreclosures and other such problems both on and off the internet for many, many years. I am a Richard Cornforth information provider ever since 2000 and worked with many other organizations and causes since 1980. I was Oklahoma State Chairman for the nationwide drive to defeat the Constitutional Convention which was proposed by various factions within our federal government such as the Council of State Governments and the National Organization of State Governors who were working hard to organize a Constitutional Convention to be held in 1995 for the purpose of rewriting our American Constitution to be more acceptable to the United Nations. I worked with Senator Charles Duke of Colorado and Senator Don Rogers of California and many others across the nation to keep them from getting the number of delegate states required to lawfully hold a Con-Con and we were successful. I have worked with many other legislative issues in Oklahoma and have always been very successful.
Question I received a Summons from the Searcy District Court- Searcy district from C/O Hosto, Buchan, Prater & Lawerence, P.L.L.C. on behalf of Capital One. It says I have been warned to file a written answer with the clerk of the court within 20 days. How do I answer this? FYI I live in Arkansas
I can't tell you how to answer it in this forum but I can teach you how to do it. But tell me something. Did they also include an affidavit in the paperwork when they served yoi? Of course they want you to file an answer because they know you really can't come up with a valid reason why you didn't pay Cap One what you owe them. Since you probably don't have an answer you will want to file a response instead. Responses can take several different forms. For instance, one type of response might be that they can't collect the debt because it is outside statute of limitations if that is true and you can prove it. There are several other types of possible responses so that is why I can't tell you how to answer the complaint. I'd have to get a look at all the paperwork in the file in order to do that.
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