Sued For Credit Debt
Summary
David from Iowa is being sued for a credit debt of $2700. He had previously reached a payment agreement with Blitt & Gaines, the law firm representing the creditor, and had made two payments as per the agreement. He was served papers regarding the lawsuit, but its unclear when the lawsuit was filed and whether it was after the payment agreement was made.Full Conversation
I am being sued for credit debt, I have already spoken with Blitt and Gaines law and reached a payment agreement about * weeks ago. Then last night, I was served papers.
What state are you located in, ****? This will help me provide the most accurate information regarding your situation.
Iowa
What is the amount of the credit debt you're being sued for?
About *
What is the name of the court where the lawsuit has been filed?
Muscatine County
What is the nature of the papers you were served?
Muscatine County Courthouse: * E 3rd St, Muscatine, IA *, USA. Phone: +* *-*-*.
Muscatine County Courthouse: * E 3rd St, Muscatine, IA *, USA. Phone: +* *-*-*.
define
Could you please clarify what specific information or term you want me to define?
what do you mean nature of the papers?
By "nature of the papers", I'm asking about the type of legal documents you received. Are they a summons, complaint, or something else?
I’m not sure
Could you describe what's written on the papers? This will help identify the type of legal document you received.
no, I am at work and they are at home. They were delivered by an average person in a personal vehicle and not an officer
Who delivered the papers to you? It's important to know if they were served properly as per Iowa's rules.
i don’t recall the man’s name
Do you remember if the person who delivered the papers asked you to sign anything or left any proof of delivery?
no signature
In Iowa, process servers must leave a copy of the papers with the defendant. Did they leave a copy with you?
yes I have a packet of documents
What is the name of the law firm or the creditor that is suing you?
PayPal was the creditor, Portfolio Recovery handled the debt and Blitt & Gaines is the law office suing me
Did you inform Blitt & Gaines about the payment agreement before you were served these papers?
The payment agreement was made with them directly
Did you receive any written confirmation or receipt after making the payment agreement with Blitt & Gaines?
a confirmation number that can be used to access information and payment portal on their website
Did you make any payments as per the agreement with Blitt & Gaines? If yes, do you have any proof of those payments?
yes I have made * payments so far, and agreed on */week until paid off
What is the total amount you agreed to pay off in your agreement with Blitt & Gaines?
the amount they are suing me for, at * dollars a week
What is the total duration of the payment plan you agreed upon with Blitt & Gaines?
payments will be finished in July, I don’t recall exact day
When did you start making the payments as per the agreement with Blitt & Gaines?
* weeks ago
What is the date mentioned on the papers you were served?
I do not have the documents with me, I am at work and they are at my home
When you get home, could you please check the date on the papers? It's important to know when the lawsuit was filed.
they were served late last night, haven’t had a chance to go through the packet
What is the date of the payment agreement you made with Blitt & Gaines?