Being sued for a debt from a debt collection agency. What is the probability that the debt collection agency has the original signed contract from whom they bought the debt? Trying to figure out the probability that they can prove that I own the debt.
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answered on May 20, 2023
They will likely have the document, but will they produce a witness to authenticate it and prove the assignment? Usually not, but it is not a DIY situation and most consumers lose when representing themselves.
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answered on May 21, 2023
If your contract selected Alaska law, moved to California, and the Alaska statute of limitations has passed, you are home free. California will enforce the shorter Alaska statute of limitations for breach of contract, even though California's statute of limitations is 4 years.
A lawyer contacted me today to inform me that Synchrony Bank is suing me for a debt that they sold to a collection agency in 2012. I paid the debt with the agency, have paperwork to back everything up, yet Synchrony is claiming I still owe them the money. Their records show my account was deleted... View More 
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answered on May 21, 2023
I think this is probably a scam, as real lawyers don't call debtors up and demand payment the same day. They just sue. I think you can safely ignore this. If it is real, just respond to the lawsuit when you get it.
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