How do I file a written answer with the court in Michigan?
How do I file a written answer with the court in Michigan?
INSTRUCTIONS FOR FILING AND SERVING AN ANSWER TO A COMPLAINT (FORM MC 03)How do I file an Answer?Fill out the Answer form.Make four copies of the completed answer forms.File the Answer with the court.Serve the Answer.NOTE: You must bring all documents to the hearing to support what you checked on the answer form.
How do I ask for proof of debt?
When asking for proof, remember these tips:Always put your verification request in writing.Ask the debt collector to respond to you in writing.Ask the collector to verify the original amount of the debt that is still owed and any interest, late fees, and collection fees.
Is debt validation a good idea?
For the last six years, debt validation has been a top choice for consumers when it comes to credit card debt relief programs offered by Golden Financial Services. A debt validation program can be less expensive than debt settlement and could result in derogatory information getting removed from credit reports.
Do debt collectors have to prove you owe?
You have the right to force the debt collector to prove you owe the money. Debt validation is your federal right granted under the Fair Debt Collection Practices Act (FDCPA). To request debt validation, you must send a written request to the debt collector within 30 days of being contacted by the collection agency.
Are debt collectors required to send written notice?
A debt collector has to send you a written statement outlining the specifics of your debt that is in collection. Within five days of contacting you, a debt collector must send you this written notice with the amount of money you owe and the name of the original creditor.
Can I pay original creditor instead of collection agency?
A creditor may have an in-house collection division. If not, you still might be able to negotiate with the original creditor. Often the last straw, the original creditor might sell the debt to a collection agency. In this case, the debt collector owns the debt, so any payment is made to the collection agency.
Are you legally obligated to pay a collection agency?
You’re still liable for your bill even after it’s sent to a collection agency. Many people don’t want to pay collection agencies, perhaps because there’s no immediate benefit for paying off the debt—other than ending debt collection calls.
Will a collection agency sue for $1000?
If the debt holder still doesn’t pay whomever is collecting the debt, the creditor can file a lawsuit against the debt holder in civil court. However, the creditor is less likely to do so if the balance owed is under $1,000, or if the debt is settled.
