Being sued for a Debt that is not mine- need advice

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Hi everyone. I received a summons in the mail today from an attorney representing RJM Acquisitions. It says that I owe some 1,300 dollars for some debt that is not mine. The case has been filed. Here is what I need help with

1. I need to submit an Answer. How do I do this? Will I need an attorney for the answer forms?

2. How can I prove this debt is not mine. I know that it isn't but how could I prove it.

3. If they judge against me how would they collect. I am a stay at home dad without any income so they couldn't garnish anything, I am not married so they couldn't go after a spouse. Would I go to jail?

I am just so mad cause this is not my debt!!! I have been a stay at home dad for 3.5 years and who would give credit to someone with no income. Thanks for any help/advice




Please elaborate on how the debt isnt yours. ID theft? If so, there are steps to take to protect yourself. Filing a police report is a good start.

Sub: #1 posted on Tue, 01/08/2008 - 10:53

volleyballmom volleyballmom

(Posts: 4143 | Credits: 284.52)

If you do a search in the above search box, you will find a lot of info on this company. They are a junk debt buyer , who often purchase debts over 10 years old. You can also read othe experiences other members have had dealing with this company. Please answer the question posed by Volley. Why is this debt not yours?

Sub: #2 posted on Tue, 01/08/2008 - 10:56

kashzan kashzan

(Posts: 5401 | Credits: 408.3)

It is not for you to prove the debt is not your. It is for them to prove that it is. If it is not yours they will have nothing to support their case.

Sub: #3 posted on Tue, 01/08/2008 - 10:58

Frogpatch Frogpatch
Moderators Cum Industry Expert
(Posts: 5381 | Credits: 652.49)

Let me ask you. How do you stay at home and support a child with no income? Are you on public assistance
?

Sub: #4 posted on Tue, 01/08/2008 - 11:01

Frogpatch Frogpatch
Moderators Cum Industry Expert
(Posts: 5381 | Credits: 652.49)

The original creditor is HSBC. I have never opened any accounts with them. My only credit accts are with Bank of America and my local bank. I have never open any lines of credit with anyone else. And I already did 'search' and couldn't find what I was looking for.

Sub: #5 posted on Tue, 01/08/2008 - 11:01

Unregistered


"Let me ask you. How do you stay at home and support a child with no income? Are you on public assistance
? '

My child's mother and I live together. She is an RN with a crazy schedule, plus she makes more than enough for me to stay home. I grew up without a dad so I like to stay home with my son. I do have a college degree so I am not some bum lol.

Sub: #6 posted on Tue, 01/08/2008 - 11:05

Unregistered


I see. I asked only because some slime lawyers will try to go after assistance. Did you ever have a charge with Orchard Bank? They are the same as HSBC. These people are the worst. They sued me and my wife on too different cards.

Sub: #7 posted on Tue, 01/08/2008 - 11:07

Frogpatch Frogpatch
Moderators Cum Industry Expert
(Posts: 5381 | Credits: 652.49)

Be sure to show up in court and beware of phony affadavits. Challenge everything they have. If your signicant other can get an NACA lawyer it will help a great deal.

Sub: #8 posted on Tue, 01/08/2008 - 11:10

Frogpatch Frogpatch
Moderators Cum Industry Expert
(Posts: 5381 | Credits: 652.49)

Quote:
see. I asked only because some slime lawyers will try to go after assistance. Did you ever have a charge with Orchard Bank? They are the same as HSBC. These people are the worst. They sued me and my wife on too different cards.



Nope never dealt with any of them. I sent a debt verification letter to RJM and have yet to receive an answer. According to the court papers it says that since they are not the original creditor that they don't have the supporting documents. I checked my credit report last year and it had a few accts on there that weren't mine so I disputed with all 3 credit agencies. Everything was off my credit report except this one.

Sub: #9 posted on Tue, 01/08/2008 - 11:14

Unregistered


When you told RJM the debt wasnt yours, what was their response?

Sub: #10 posted on Tue, 01/08/2008 - 11:15

volleyballmom volleyballmom

(Posts: 4143 | Credits: 284.52)

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