CACH, LLC Junk Debt Buyer Summons received.
I received a summons From Cach LLC who bought my debt and I was looking over the summons and there is no contract attached just a certificate of assignment and affidavit written by the custodian of records for Cach, LLC. I wrote my answer letter and affirmative defenses along with a notice of appearance. I denied everything, but I'm just not convinced that will be enough from what I been reading on forums. I'd like to file a motion to strike on the affidative as it's not from the original creditor. I'm not sure what the assignment letter even means so I don't know if I should file a motion to strike that as well or should I go all out and file a motion to dismiss? I'm so lost it's really affecting me at home an work. I don't know when I can file a motion or if I even can. I don't know if a certificate of service has to be included and if it does does it go at the bottom of each page of the summons or does it have to be separate and after each page? I called the clerks office and they said I didn't need one on my answer letter or notice of appearance as the summons was just thrown in my mailbox by the sheriff so I didn't include one, but I mailed a copy of the documents I filed to the Cach LLC's lawyer certified mail. I read on another forum the affidavt alone could win a judgment against me... I live in Lake county Indiana and I would really appreciate your help because I can't afford my check being garnished as my fiancee and I are struggling after she lost her job and with this news we even had to postpone our wedding.
Thank You, Rick
P.S please guide me through this nightmare...