So, I had my debt collection case with MCM today. I WON!! 😁 My case was held in a Magisterial district court in Pennsylvania. A court of non-record. Was all prepared to challenge the phony bill of sale and assignment, thanks to KILLDEBT.COM. But, as it turned out it never got that far.
The judge allowed the attorney direct examination of me. He asked, "Do you recall receiving this billing statement from Syncrony Bank on 11/20/2024? I said....I do not recall. He asked if I live at the address listed on the statement, I said I do. He said, then you remember receiving this on the mail. I said, I DO NOT RECALL! He said, surely you had a PAYPAL credit card and you made purchases. I said...I do not recall. He looked at the judge and said , "Your honor, he lives at the address listed on the account, and he admitted as much." Judge says, " Yes. however Mr. Mumma has stated he does not remember having received any statements in the mail or having an account with Syncrony bank the creditor." Therefore, I have nothing before me that amounts to business records in the regular course of business that allows me to rule in your favor counselor. Ruling for the defendant. Case DISMISSED!
The thing take away from this case is this. When the attorney asks, "is this your debt?" You have every right to say in response, I DO NOT RECALL. Its the job of the attorney to be able to PROVE you owe the debt. And that means, coming to court prepared with the proper evidence to prove you actually do. Hope this helps someone.
And that's the rest of the story! 😉👍
Thank you, Attorney Brian Parker for caring enough for us Pro Se defedants and lay-people out here in legal land, to have such a useful and well thought out resource like KILLDEBT.com! God bless you Sir! Thanks again.