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
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.
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