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What Defenses to Use for Small Claim Credit Debt

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  • 09-06-2013, 08:15 PM
    needhelp110
    What Defenses to Use for Small Claim Credit Debt
    city/state: clear lake, IA
    Credit debt is 2 years old, $2,600 and plaintiff is an attorney law firm not debt buyer.

    I denied the claim on the answer form because I do not agree with the amount I have to pay. So what else can I say as a defendant besides saying on court hearing date that I want "complete set monthly account statements?"

    Also note, the law firm are suing on behalf of the original creditor and are not the ones who own the debt.
  • 09-06-2013, 08:20 PM
    Dogmatique
    Re: What Other Defenses to Use for Small Claim Credit Debt Besides Obvious Ones
    Ideally you're meant to do that BEFORE the hearing.
  • 09-06-2013, 09:11 PM
    needhelp110
    Re: What Other Defenses to Use for Small Claim Credit Debt Besides Obvious Ones
    Quote:

    Quoting Dogmatique
    View Post
    Ideally you're meant to do that BEFORE the hearing.

    Well I forgot to mention that on the answer form, but I will say that on small claim trial. So is it legal and okay to say it?
  • 09-06-2013, 09:17 PM
    Dogmatique
    Re: What Other Defenses to Use for Small Claim Credit Debt Besides Obvious Ones
    Read this:

    http://www.iowacourts.gov/Representi...aims/index.asp

    :)
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