Hello Experts. I live in Ohio, Franklin County.
I received a summons today. I am being sued by Professional Investments & Finances LLC for $1787. I have never heard of these people and I never had any credit with them. I did get a request for payment from them about six months ago and I sent a request to them asking whom the original creditor was. They never responded.
The exhibit they attached shows a charge off statement, last billing date 6/6/2003. It does not show anything about who the original creditor was.
About a year and a half ago I got a copy of my credit report and started fixing up my credit. I did have a couple outstanding credit card balances and I had a couple offers of settlements from them. I took all the offers and paid them. I don’t see any open accounts for collection now on my credit report.
My first thought is that I have paid this account to the original creditor through and offer of settlement, but can be 100% sure since I don’t know who the original creditor was/is. Maybe I missed something. Since there are like 3 credit reporting agencies and I only used one to clean up my credit.
I know that I have to file an answer or they will get a default judgment. So here are my questions:
1.) Should I try to get a dismissal for statue of limitations and does anyone know what they are for Ohio?
2.) Should I file some type of Motion of Discover to get information on who the original creditor is?
3.) Both 1 and 2?
4.) When I file an “Answer” how should it be formatted? I am looking at the “COMPLAINT” filed by the Plaintiff, could I just format the “Answer” pretty much the same way, except but “ANSWER” where it says “COMPLAINT” with the rest of the info my answer of course.
Any other info anyone could provide would be great, thank you in advance.