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I had Bank of America credit card, goofed it up, entered into agreement with DelRay credit counseling, had it under control a few months, lost job, fell out of repayment program ...Apparently, BofA sold loan to CACH,LLC...jacked to amount from 4600 to 8500 and now have attorneys, Daniels & Norreli, P.C., threatening me with lawsuit filing if I don't pay the full amount. They won't even begin a discussion about monthly payments.

Del Ray says they can re-up my program and send proposal to Daniels & Norreli to enter into a payment program but I don't know if I'll now be paying for twice the amount of the loan as before or if Daniels and Norreli decline the proposal, than, what? Am I off to court to be ordered to pay the full amount plus, more attorney fees? The rep from the attorney's firm said if the press for judgement, I'll end up with a $13,000 tab.

I'm trying everything I can think of to only pay the original loan and not the jacked up fees. I want to repay the loan but can only afford so much.

In a real bad place here and just don't know what to do or who to trust.
I can hardly breath.

Sound advice and help would be greatly appreciated!

Posted: Thu Apr 20, 2006 8:54 am Subject:

stormjunkbag

Hi, welcome to the forums! Chances are if your consolidation company can restart your account from where you left off, then Daniels & Norelli will accept the proposal.

Daniels & Norelli is a collection office, owned by an attorney. All they do is collections, so working to get a better deal is always an option.

Speak with your counselor at your consolidation company, and let them do the work. That is what you hired them for. Also, send out a cease & desist letter to Daniels & Norelli, telling them you are working with a consolidation company. Give them the name of your counselor, phone number, and address.

If you have any other questions, please don't hesitate to ask.

Daniels & Norelli
900 Merchants Concourse Ste 400
Westbury, NY 11590
800-332-3306

Regards-
Mike

Guest · Posted: Thu Apr 20, 2006 9:23 am Subject:

additionally, storm, make sure that you make them prove what the additional amounts are for, they are required to porvide you the method they used to calculate the amount they say you owe

Posted: Thu Apr 20, 2006 4:28 pm Subject:

Since your consolidation company has assured you that they will re-up the program, I think they are confident about it. Let the headache be tackled by them. Good luck and keep us posted.

Faerieosity · Posted: Tue Jun 27, 2006 6:59 am Subject: Daniels and Norelli

Hey Guys, Daniels and Norelli ARE attorneys, but they are known as some of the most ruthless CONMEN in the business. It is against the law for them to threaten you. Seek an attorney in your area immediately!!!! If they have truly threatened you, call the police.

Guest · Posted: Wed Jun 28, 2006 8:20 pm Subject:

stormjunkbag,

Make sure that they are legally charges you these outrageous attorney fees. Most states regulate whether or not they can add attorney fees, and how much they can charge. If you google Riddle and Associates you will find that they got dinged by the AG in more than one state for charges attorney fees that were not permitted in that state. I actually had an account go to them, and after I read that on the website, I recieved a letter from them dropping the attorney fees (I am sure it is because they had to by law).

gloria · Posted: Wed Jul 12, 2006 11:56 am Subject: help-information

i has a mastercard with hsbc and a few hours ago they call me threating me with a law suit filing if i dont pay i relocated to nevada now i dont have a job what can i do the person contacted me sherry or daniels & norelli own my card all i owe is 337.10 what can i do

Posted: Thu Jul 13, 2006 2:05 am Subject:

Gloria, does SOL still apply? Make sure you do not restart the clock ticking again.

Ask for validation, do not pay without paperwork. Can't you settle the account directly with HSBC?

anounmous · Posted: Tue Aug 01, 2006 6:27 am Subject: lien on bank account

What can I do to regain my CD that Daniels & Norelli has put a lien on. Please help!!!

CyberMom · Posted: Thu Jan 17, 2008 12:37 pm Subject: Daniels and Norelli

Hi,

I just became of victim of Daniels and Norelli. It all started about a week ago. This goon from Daniels and Norelli calls and in a friendly way, asks for my husband. I told him that he wasnâ€™t in and I can take a message. He gives me his name and he says that he is a friend of my husband and that he knows what this is regarding. He gives me his number and says heâ€™s looking forward to hearing from him. I asked my husband, but he didnâ€™t know who this guy was so he never returned his call. This guy calls about 6 more time after that, leaving messages and acts as if he is my husband best friend. This morning this jack ass calls and starts off nice, but then goes into the threats of suing and putting a lien on my house. When I explained our temporary hardship he pretends to be concerned but in his obvious â€œdonâ€™t careâ€ tone, he tells me that if we donâ€™t pay the $3,500 of the $2,000 loan they will be forced to send our account to a law firm in our state where they will proceed with the law suit and that we will have to endure all the attorney and court fees. When we got to the end of the call, I simply said, thanks for the good news, and he literally starts yelling at me saying, â€œDonâ€™t you put this debt on meâ€. I heard enough and I hung up quickly. I called the original loan company GE Money Bank, which then tells me they sold our account to a third party, Arrowhead Financial and they gave me that number. When I called Arrow Financial they told me they sold it to Collect America. When I called Collect America, they gave me the number to Daniels and Norelli. I noticed that each of the operators were getting ruder and ruder with every call. So, if anyone has any advice or can give me information on if they can actually sue, I would like to know.

Posted: Thu Jan 17, 2008 7:34 pm Subject:

Record the call next time, if legal in your state. I counted at least three, maybe four violations of the fdcpa in your description. Write all this down and keep a log at least. Put the time (and date) of the call, who it was from, the phone number, and a concise description of what was said (ie., threats, abuse, etc). I would sue them.

Posted: Thu Jan 17, 2008 7:59 pm Subject:

For tne fdcpa violations is hiring a lawyer mandatory or can an average Joe do it themselves?

SleeplessinSeattle · Posted: Sat Jan 19, 2008 10:21 pm Subject: help

they threatened to send someone over the break my legs!!!

Hope · Posted: Sat Aug 16, 2008 6:09 am Subject: have been summons

we had a bank of america credit card we were in a hardship time so i sign us up in a deibt settlement.had call boa and asked them to close are account and let us keep making payment to them in a week time they were call calling for my husband he was not here so they being threaten me going to take me to court i had all ready sign up with the ded settement thing but i stratrd sending them 100.00 dollar a month and then i was told to stop sending them payment and now he is been summons they had not once spoke to him they always talk to me and he was the card holder some of them would talk to me but other said they cant talk to me because i not the card holder.what do you do we are still in the settlement thing

sammson · Posted: Sat Sep 13, 2008 9:04 pm Subject: Daniels and Norelli

We are getting phone calls and now a letter from Daniels and Norelli saying we owe over $3600. Problem is we have never heard of Cach,LLC and Providian Bank. Where do we start, there is no debt I'm aware of. Sad

richtrick · Posted: Sun Sep 21, 2008 8:35 am Subject: same thing

I just got a letter from these guys, and get this. I was in high school when I was adopted by my step dad. Well this letter from daniels and norreli is sent to my old name, which I haven't used for five years. Not only that but I have never heard of this lone or the account number they gave me or anything else to do with this