smo65d11

Sorry did not see your past post. Go to NACA.com Things have changed in this industry. It is not like it used to be, and banks are too innodated to care if you are paying on time. or just a little late.

There are many companies out there. You have to be careful. Some will charge you $1500-$5000 depending on your situation. I have enven seen some compaines try and finance their fee to you. There are good companies out there, but I definately would start with a non-profit like NACA. They can take your information but there is a worksheet that you will need to be ready for. I can send you the workout information if you like.

that's what i do, i get stressed so i do not want to think about it but that never works out! good luck!

I understand, I find staying on these boards help me stay focus with my finances.. I hope your new job works out it sounds like everything is looking up! :)

hey, long time no see!

smo, please see my post today. :) Thanks!

update. The attorney called me today and is going to make a settlement offer of $1500 for 3 violations. He is confident that they will accept. Thank you smo for helping find an attorney!

Aaaahh! I thought that attorney was going to get that money. Duh. Thanks smo! Your the best. I'll let you know what happens.

Attorney said...In the absence of proof of damages, the FDCPA allows for $1000 maximum to you TOTAL, not per violation. Anything above that must be rigorously proven. It doesn't sound like you were actually harmed at all by the failure to report the debt as paid. There is only so much we can do here in that circumstance. We could possibly argue you were emotionally harmed by the errant report, but it's not worth all that much. When we get your credit report, we will come to a determination and discuss with you what your expectations should be before we start on the case. This is what it all seems like to me; Violations commited by collection agencies are okay as long as you can't prove damage. Does this sound right? I am guessing that an attorney wouldn't even want to take on the case for just a $1,000. I'll keep you posted.

There are 2 other negitive cc accounts on my report that could be to blame too as well as a few utilitiy bills (in collection) and 1 checking account. Wouldn't Palisades just argue that those are to blame for the denial?

They just verified that I owe them money just this month, as well as validate and update the same last month.

I currently have no open credit and have not applied for any credit in years.

Hi smo, I just wanted to show you what the attorney sent me today in regards to a Palisades Lawsuit. The difference between you and I though is that I can't prove that I have been significantly damaged due to the judgment being entered. (Other than countless hours of anguish involved in researching all my rights) What should I tell the attorney as far as what I am expecting in terms of a settlement with them? Here's the letter...Thank you very much for your diligence in providing the documentation here. Palisades definitely dropped the ball in continuing to report the debt as owing after you paid, so you have a great case against them. For Linebarger, it looks like they were negligent in not dismissing the case after the settlement and allowing a judgment to be entered against you. So you actually have two cases. The next question we have for you is: what are you expecting in terms of a settlement with them? We can certainly arrange for all traces of the debt to be deleted from your reports and the judgment has already been set aside. As for damages, it certainly looks like they intentionally tried to defraud you, but intentional violations are not worth any more than unintentional violations necessarily under the FDCPA. If you want to get significant damages you will have to prove that you were really harmed by the judgment being entered. Were you denied credit at any point because of the judgment or debt being on your credit? Did you get assigned a higher interest rate on a loan? Did your interest rates increase on credit cards? To really diagnose your damages we are going to have to see the entire credit report also. Please provide full reports for all 3 bureaus, you can cross out any personal info.

HI smo, check out my latest "Palisades won't file.." post. I got an update on it.

I found it! You can e-mail me at IPoured@yahoo.com :) Thx

Congratulations SMO65D11!!!

Can you share the name of the person you are working with at Chase? I am in a bad spot and need someone decent to talk with there. :(

HAPPY 2009!!!

hello,how are you today?love the new avatar.

Hi, I am your Fan. I like your posts.

well hopefully if I get a good response, maybe it would work for you? I have a long papertrail so that helps I am sure. Is your problem with Palisades or someone else?

It just kinda looks like a possessed demon albino clown. :)

Your avatar is creepy. I hate clowns. lol :)

how's things clown baby.LOL.

Sure do. We have a very large garden with beans, squash, tomatoes, potatoes, peppers, cabbage, turnips, carrots (and the list goes on). I also do some canning (about 200 jars last year). If you don't can your excess produce, I highly recommend it. Tastes so much better than anything you buy at the store. Hard work, but well worth it!!!!!! Good luck this year.

love the avatar