FIA CARD SERVICES IS SUING ME FOR A BANK OF AMERICA CREDIT CARD DEBIT

I am being sued because I lost my job and could not pay on my credit card. My original card was held with Bank of America, however my summons & complaint shows FIA Card Services as Plaintiff and attorneys acting on their behalf. I have learned that FIA card services (formally MBNA) was aquired by BofA in 2006, but my agreement was never with FIA Card Services it was with BofA, Can FIA legally sue me when I have never heard of them nor as far as I am aware ever been notified that they are acting on BofA behalf? I want to answer the complaint but unsure if I have any legal recourse?

4 Answers

How do i find out how muc FIA is suing me for?  The Court Register of Actions only shows the court assessment fee.


As I said before, FIA is BOFA ....your aguement that they purchased FIA AFTER your agreement is totally moot...it holds no water.  FIA is the in house collection division for BOFA.

 

How you much you paid and for how long you paid your account is now irrelevant.  A judge wont care.  FIA is seeing assets on your credit report

 

 

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

Thank you for your information. Unfortunately I was unable to open the first link. If you could please resend it I would appreciate it!\\

Maybe you can answer this question...I have been with BofA for over 30 years now and have never missed or been late on a payment untill I lost my job in March 2011.  B of A purchased FIA years after any agreement was entered and my creidt report says that BofA has charged off my loan as of March 2011.  I tried to settle a payoff with BofA when I first lost my job, but they were unwilling to work with me.  Now they say I owe them over 10,0000, which is more than likely finance charges because I have not charged on this account for over 10 years and it never seems to go down in principal.  In fact I paid  $300.00 a month and the balance keeps going up not down!  I just don;t know what to do?  I own a house and 2 cars I am doing everything I can to hold on to what I have worked for all my life. I am also a single parent and have no other source of income besides Unemployment which barely pays the utilities and puts food on the table,  what should I do next, do you know????


FIA is the collection division of BOFA.   Yes they can sue you....read the boards.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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