Sued By Mountain Peaks Financial Services, Inc.? Here's Help.
You have about 30 days from the day you were served to file a written response, and that's usually enough time.
Miss that deadline and Mountain Peaks can take a default judgment against you. Respond, and the plaintiff has to prove its case, which is harder than it sounds. Here's how, and how I can help.
Mountain Peaks Financial Services, Inc. is a Colorado collection operation that files suits against Californians. The public record on this company is thin, which is worth knowing in itself. It's not one of the giant debt buyers, and information about how it acquires and pursues accounts is scarce.
Thin doesn't help them in court, though. The caption on your summons tells you what you're dealing with. If Mountain Peaks is suing as the owner of your account, it has to prove that ownership, through every hand the account passed, with admissible evidence. If it's collecting for somebody else, it has to prove its authority to do that. A company with a small public footprint gets no discount on either burden.
Use the thirty days
From the day you're served, you generally have thirty days to file a written response with the court. If nothing gets filed, Mountain Peaks can ask for an automatic judgment against you (called a default judgment), and with a judgment they can levy your bank account, meaning they take the money directly, garnish your wages if you have a job, or put a lien on your house. Responding is what makes everything above matter, because a defended case is where the proof gets tested.
Two reads that will help. Here's how to calculate your deadline, which is more particular than people expect. And the top five mistakes people make when they get sued is five minutes well spent before you decide anything.
Let it be my problem
If you'd rather hand this off, the consultation is free, it takes fifteen minutes, and you speak with me directly. No intake screener, no telemarketer. Although the outcome can't be guaranteed, you can offload the process, so you know that whatever can be done is being done while you go about the other things in your life. It's sort of like the alarm clock by your bed. Once it's set, your brain stops holding the time, because that's taken care of. Let me take care of this.