I asked the judge about my original SOL that will expire on Feb and he said the plaintiff can re-file and make sure I mention that it was non-suited but he did mention about a new lawyer. This is my first time so I may have missed something but at first I thought it was dismissed. And in the end the judge non-suited the Plaintiff. But I objected and the judge did allow the witness to speak and asked them several questions. I went to court with my Grounds of Defense against the Plaintiff’s BOP. What should you do now? You need to talk to a bankruptcy lawyer. When you hire a “law firm” to not pay your credit cards, you get the same thing. You can do that on your own, a lot cheaper. What are they doing? They are NOT paying your credit cards. They are not doing anything you can’t do yourself. This “law firm” that does this debt management? There’s no debt management law they are using. That’s what bankruptcy lawyers, like me, do. ![]() For most people, bankruptcy is a law that you can get on your side. The job of lawyers is to get the law on your side. I hope that’s not what happened to you, but that’s what it sounds like. That goes on until the big credit cards send you court papers. Usually they settle your smallest credit card, and you think, “This is really working.” But there’s never enough money saved to settle the big credit cards, because you are paying so much every month to the “law firm.” You pay a monthly negotiation fee, and set up a savings account with money to settle the debts. It looks like your “debt management with a law firm” is one of those internet debt negotiation scams.  (This debt with Asset Acceptance was only a small part of her problem.)īecause of her good work, she now has plenty of time to get ready to file for bankruptcy, without having to worry about getting garnished.  But, we’ll have the bankruptcy filed before that.  In Virginia law–not like most states–after a non suit, the creditor could come back and try again.  Under Virginia law, that’s called a non suit. We expected that would mean Leslie would win at the trial, but she won sooner.Īsset Acceptance wrote to the judge and said they were dropping the warrant in debt case.  Wait too long, and the creditor is out of luck.) (The statute of limitations sets a deadline to sue you after you’ve stopped paying debt.  Also, for good measure, she also listed statute of limitations in her grounds of defense. So, for her grounds of defense, Leslie wrote to the court and to Asset Acceptance, that they never filed their bill of particulars.  Asset Acceptance proof must have been really weak in Leslie’s case, because they filed nothing at all as their bill of particulars.  Debt buyers often cannot prove what the debt is about or what the amount of the debt really is. Leslie was in luck–because her creditor was Asset Acceptance, a debt buyer.  The bill of particulars under Virginia law is how the creditor plans show the amount of the debt and why there is a debt. She knew to ask for a bill of particulars, and the creditor asked for her grounds of defense. Leslie’s warrant in debt hearing was in the Prince William County Courthouse.
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