Me again dirt on Norfolk Financial corp.

I just wanted to clarify some of the mis-information which has been posted on this site.

Yes, the maximum small claim amount in MA is $2000.00. BUT there is no law/rule stating that ANYONE who files a small claim suit may waive damages they are owed OVER AND ABOVE the 2000.00 limit.

(it's strange, that people are upset about only having to pay 2000.00 or less even though, their (admitted) balance was over 3000?)

Further, if you were served in September at your current residence and THEN MOVED 3 months later, you were not sued in the improper venue and therefore is not grounds for dismissal.

Basically, I'm sure that if you do in fact owe the money, which it sounds like the posters, do. Just settle or set up payment plans, that probably is the quickest way to start getting your credit report back up to snuff.

The energy spent trying to get around paying your debt back would be better spent paying your debt back!

It's sad and ironic that some of the things you people are accusing these companies of, such as dishonesty, aren't you being dishonest denying the debt that you have admitted here is your debt?

I think SOME people are dishonest, but there are many more genuine people who HONESTLY don't know if a debt is theirs.

If a collection agency won't (or can't) provide the proper paperwork (which they are legally required to furnish anyway), how can someone find out if a debt is theirs or not?

Why cant the person also check their records, why is it everyone elses responsibility to do what is probably right at their fingertips?

It is sooo typical now that people just sit back and demand demand demand...take some time to review their own information and refresh their memory as to what THEY CHARGED. Verifcation of debt is not the history of the account ie what they charged, it is the opening date last payment date orginal account number and original creditor.

Are you kidding me? They "Honestly" dont know if the debt is theirs or not???????

I honestly dont know how someone cannot know whether it is their debt or not. Do they have sooo much debt that they cant remember? or did they take their credit so lightly that they didn't even deem it important enough to keep records?

Because of their irresponsibility, it is now everyone else's responsibility to prove that it is their debt?

It sounds like procedures that were put in place to legitmately protect people, like real victims of id theft, are now being used by people who just want to get out of paying their debts...things like this is indicitive of what kind of people they are....why do you think employers check potential new hires credit reports?????

OK, troll. You've said your bit, now shuffle off.

Point of fact: Federal law says that the CA is required to produce documentation on demand. Period. End of discussion. It doesn't say they can if they feel like it, or only in certain circumstances.

I can see several scenarios where a person may not know if a debt is theirs or not. So they demand validation, as is their right.That doesn't make them dishonest, only prudent and cautious. Would you send me money just because I sent you a bill, or would you want to see proof of my claim? That's what I thought.

If I were you, I'd either sweeten up, or toddle on back to my cubicle at the collection agency. We don't much like your kind around here.

It sounds like you are spending an awful lot of time trying to get out of paying your debt, rather than expending that energy on trying to PAY your debt. You have not once said that you DONT OWE the debt.

You cannot file a motion to dismiss based on improper venue, because as you stated that IS WHERE YOU RESIDED when you were sued.

Just settle or set up a payment plan, trying to come up with violations that do not exist could end up backfiring on you. You would have spent $$ on filing fees and time in Court, and you lose, you may also end of paying their attorney fees and end up further in debt than you were when you started.

Why do I think this? Well I cannot find anywhere in your posts what the alleged violations were....if you cant think of them to post here, then you will have a hard time putting them in a complaint and PROVING them. JCEMT doesnt sound like he is giving you sound advice when he didnt point out the obvious that you lived in the venue which you were sued and MOVED after the fact....

SO typical... are u kidding me. Listen, I dont work for a collection agency. I didint say that they didnt have a right to verification, I said that verification is NOT what they believe it to be. It is what I said it was. You don't like people on these forums with a brain.... that are logical and tell it like it is. These sites were set up to help people figure out their debt and it has morphed into a site where people who owe credit card debt can complain and whine and get inside information how to get around paying it.

You obviously were successful at it and judging by the number of your posts, you like to spread mis-information

Hey, I asked you to watch your manners. Don't make the mistake of thinking I'm kidding.

and what exactly offended your sensibilities in my post....?

I think, after re-reading your so-called response, it doesn't say anything about manners...

Are you "moderator" so you can kick people off that tell the truth and give out CORRECT information....

Is that picture of what you want people to think you look like....

The silence is deafening.....

That's about enough out of you. Topic locked.