My question involves collection proceedings in the State of: California.
- First, I am new here and if I post to the wrong place, please let me know.
- Second, I did the search through Internet but don't see (or miss) a satisfactory answers
- Third, these are my two questions that I hope I could get answer:
a. I defaulted Bank of America (and some others) credit card debt on 09/2009 (last payment to BoA) due to the housing crisis. BoA sold to a JDB and JDB hires lawyer to sue me on October 2012 (served). My question is since BoA is corporated in North Carolina with status of limitation is 3 years for written contract. Can I use this to defense against the JDB lawsuit?
b. The lawyer for JDB file a lawsuit without providing me the debt validation that I requested through certified mail with 30 days. Can I also use this to ask for the dismiss of this lawsuit since the violate FTC rule?
Thank you for your answer.
Debtor in California.