My question involves collection proceedings in the State of: Mississippi
I had a credit card with Chase, They reported it as charged off 02/2005. I know that it was delinquent for several months prior to this. Not sure how many months, however. Chase then sold it to a collection company 03/04/2005. THAT company sold it to another company on 10/02/2006. This company is in the processing of suing me.
I received a summons and answered and filed it with the Circuit Clerk of my county on 2/20/2008. On 4/10/2008 I received another set of questions which I am in the process of answering. On 4/27/2008 I sent the law firm a letter requesting a debt verification of the debt. I have not received this as of today. I sent it certified mail and filed a it with the Circuit Clerk also. It is my understanding that nothing else can happen until I receive this.
I believe that this debt is not valid because of the SOL having passed. How do I file a Motion for Dismissal with Prejudice? Do I just write a letter asking for this and file it with the Circuit Clerk with a copy going to the lawyers?
I have another question as to how to answer the second set of questions. What questions have to be answered? They lawyers are asking for financial records that I no longer have. Do I just say that I no longer have them? They also are asking for the names, addresses, employment, etc of any person I have talked to this about. Can I refuse?
Thanks for any help.