I was sued in November, but they weren't able to serve me. In January, a server dropped the court document/notice face down in my driveway. I filed an answer with the court, in pro per (without an attorney and representing myself) within the 20 days of the required time, paid the $30 filing fee, had it stamped by the court clerk, and received a receipt back that it was properly filed and on time. The debt has expired -- a junk debt purchased at least two times -- and in the state of Nevada, the statute of limitations has expired on the date. LVNV has never filed a negative report against me because they've been trying to make this a new debt, but were unable to accomplish that. Go to:
http://courtgate.coca.co.clark.nv.us...rtyType=%2A%2A
and you will see all the dozens of cases filed in Clark County District Court, in Las Vegas, NV, against individuals. If you click onto the individual case activity, you'll see that as soon as someone does not respond to the lawsuit within the 20 days, LVNV's attorney immediately files for a default judgment. I'm taking them to small claims court for $5,000. It's unfair collection practices, they've harrassed and bullied me in their attempts to get me to pay off a debt that's not mine. It was purchased for a debt in a similar name to mine and with a different Social Security number from me. They got my name and attached it to me. But the key is they have not reported anything negative against me because they know it's not my debt. It looks to me as if they go after people who own property who they know won't respond to the suit, then they get a judgment against them and garnish their wages or slap liens against their property. I'm also about to file a motion to dismiss the case based upon the fact that they cannot show any proof that the debt is mine, and can't even show anything resembling where the debt originated, it wasn't served properly, and they employed unfair collection practices.
Has anyone else out there gotten this far with a case? Any tips would be greatly appreciated!