Responding to Summons?

needcredithelp · 05-10-2008, 03:11 AM

I received a summons served by the sheriff from MRC Receivables for a credit card debt from 2002 and have been given 20 days to respond. I've been doing a lot of research but am not exactly sure how to proceed from here. My main point is SOL, but the timing is cutting it close (6 years in Massachusetts). Looks like they pounced as soon after I moved to this state as they could since the statute of limitations was longer.

TransUnion shows a date to be removed of May 2009 if that matters. Equifax lists the date of last activity as N/A but has a date of first delinquency of June 2002.

I'm unsure whether I have received collections notices from this company, though the complaint contained an attached letter from 2007 showing that they had been originally sending my notices to an address I had not lived at since 2001.

Enigma · 05-10-2008, 05:06 AM

Who is the creditor and what state are you in?

needcredithelp · 05-10-2008, 12:53 PM

The plaintiff's name is MRC Receivables Corporation. The company listed in my credit reports is Midland Credit Management. The original creditor was Citibank.

I currently reside in Massachusetts.

palmsgirljan · 06-24-2008, 06:57 AM

Did you ever receive a reply to the above email? I have something similar from NH, although I am currently living in TN.

jlynn · 06-24-2008, 08:56 AM

MRC is part of the dysfunctional Midland family.