- Wed May 14, 2008 10:06 pm
I was not sued by a JDB, the OC sued me. I sent my discovery to their attorney (also send a copy to the court). About two weeks later, I got a letter from their attorney asking me to withdraw my discovery!!!!!!!! Next thing, I get a letter telling me they had dropped their lawsuit. We are still negotiating. My main priority was keeping this off my US credit reports.
Is the US debt collector that now apparently owns this alleged account reporting it to the credit bureaus here? Might be worth checking this out if you haven't already. you will probably find you have a hard inquiry from them on at least one report. Any OC in the UK cannot report to a US credit bureau. My advice at this point would be to consider freezing your credit reports here. This would stop any new accounts being reported, and for all intents and purposes, this "account" that the JDB have acquired would be a "new account" in the United States.
This gives you the opportunity to try and come to an arrangement and still keep clean reports in the US.
Reading your first post in this thread again, this is almost laughable. I can pretty much bet that this "lawyer" has printed out a page from the bank's website that says they have an office in North America?!?!?!? Rubbish! Take them down! Use discovery, the chances of them having the paperwork are zero. I would also slap a copy of CCA1974 in the mail to this clown.
Also, you may know this already but send everything certified mail, return receipt.