Nashville, TN asked in Consumer Law for Tennessee

Q: I received a summons for debt in 2015 - unaware of it I sent a certified letter request proof

I requested proof of the debt but I noticed it did not have the contract that was suppose to be signed for the debt showing the total amount borrowed, interest and what would be paid if loan was completed in its entirety - it only had 1400.00 typed out that it was taken out on 08/3/2015- my court date is 08/05/2021

Related Topics:
1 Lawyer Answer
Anthony M. Avery
Anthony M. Avery
PREMIUM
Answered
  • Knoxville, TN
  • Licensed in Tennessee

A: They do not have to respond to your letter. I would think you would be in General Sessions, but your facts sound like a Court of Record. Whatever, to dispute the suit, you will probably need an attorney. The suit is probably being filed just before the SOL runs.

A judgment will be for alot more than $ 1,400. Your Truth In Lending defense will probably not sway the Court.

1 user found this answer helpful

Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.

The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.

Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.