Dolly Defendant came to the mediation with her attorney whom we shall call Larry Lawyer.
Hazel Brown represented Debt Buyer, L.L.C.
The case appeared to be routine – a person who had experienced some hard times and gotten behind on her credit card, so I moved through my opening statement quickly.
BACKGROUND O F THE CASE
Dolly had a credit card, in her name only, to which her husband had charged some of their business items, with her knowledge and permission. They subsequently got a divorce with the agreement and court order that he would take this debt after the divorce.
As the years went by, he became affluent and she took a job as an administrative assistant in a dental office and was the primary provider for their three children. He paid on the card after the divorce for some time but quit paying at the time when a $3000 balance remained.
The balance, growing at 24.9 % (more…)