jester

Any advice on how to structure the small claims statement. I looked at the legal forums and nothing seems to fit my situation. I am not trying to get any money for damages only to have the debt taken off my credit report.

Thanks to everyone for the good ideas on how to handle the situation with Chase. A civil suite in small claims court sounds very good to me since it is less money to file. I am concerned filing in a federal court might cost more than the $4500 in question. Chase just charged it off in January, how would that affect a civil suite? Could they claim they dont own the debt now it went to CA or it is so recent Chase still has it? If it does go to CA do I still file a civil suite? How do I find an address to put on civil suite? I have asked the bank many times in writing and verbally on the phone to send documentation of any contract I would have signed. All requests were ignored. I even had a lawyer send a letter requesting the documentation. with a returned receipt for a paper trail. The original account was with WaMu who only kept paper records and probably has lost it. I dont believe Chase has the orginal paper contract from when the account was transfered. I dont either. Hindsight is 20/20.

I left an S Corp 4 years ago after we sold the business and paid off the debts. My former bp kept the corporate accounts to try another business and was unsuccessful. Six months ago I noticed $4270.00 show up on my personal credit report which I knew nothing about. I called the bank and they said I owed this money due to a default on the corporate account. I called my partner who said he had been the victim of identity theft which he had reported to the bank and CBs. I filed a police report and disputed the charges with the bank and CBs. I told the bank these charges were fraudulent and requested verification in writing from the bank of any document I had signed which would hold me personally liable for this debt. The bank provided no verification so I have not paid the debt. The Bank Claims I had PG for the account. Now I noticed it has been charged off on my credit report. I dont know what to do next. I called the bank (Chase) yesterday and was on the phone for 1.5 hours trying to dispute the charges and was repeated transfered to other departments. The account was originally opened in the corporate name and I don't remember any PG. The original acct was with WaMU and transfered Chase. Is the bank required to provide signed documentation? What are my options?