Arlene S Munoz asked 7 hours ago
Background info:
MCM filed suit against me on 7/30/24. Summons received week of 8/5/24. Pre-trial hearing set for 11/7/24 (More than 50 days from summons??)
I sent Verification of debt letter (Brian's) and previously- both before the lawsuit and after- I had sent Validation of debt requests.
Yesterday I received:
(1) Letter from MCM (with Warren, Michigan returned address not signed by named 'Group Manager' from MCM Inc.) in response to 'recent communication disputing the accuracy of our records', basically stating the same info and providing copies of same documens filed with their lawsuit (copy of creditor monthly statement with due date of 1/2023; portfolio level affidavit of sale by orginal creditor; and certificate of conformity.
(2) Letter from MCM (with White Park, Minnesota returned address signed by a Consumer Support Services person?) stating that 'after reviewing the information you provided.... we have concluded our information is accurate'. Other 'account' info provided in letter: date opened, date of charge off; current servicer = MCM; date purchased; original purchase balance; accrued interest/fees/payments/adjustment. Under RECENT Transactions, two items listed dated 8/23 and 8/27/24 (after suit filed) in the Amounts of $-56.42 and $-190.00. [filing/court costs?)
QUESTIONS:
(1) Should I follow up with 2nd Validation letter requesting more precise 'verification' of debt and the Assignment documentation INCLUDING a copy of the Credit Card Account Purchase Agreement?
(2) Should a Motion for Jury trial (as opposed to bench trial) be filed? (Per conversation with judge's assistant, pro se litigants 99.9% of the time do not request 'jury' and very few attorney cases request it; NONE make it to trial; All dismissed/settled)
TIPS? OPINIONS? HELP? 🙂
thanks in advance!
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