| Posts by goldenbast |
| Posting date
| Subject
|
| Posted: Mon Dec 1 1:42:42 2008 |
Did you get a summons to court Did you go to .. |
| Posted: Mon Dec 1 1:20:22 2008 |
I have heard of that happening, most states have .. |
| Posted: Mon Dec 1 1:15:51 2008 |
Send them a DV IMMEDIATELY! If they haven't .. |
| Posted: Mon Dec 1 1:11:12 2008 |
Name all three of them in the suit....it wouldn't .. |
| Posted: Mon Dec 1 1:08:12 2008 |
Thanks!! .. |
| Posted: Sun Nov 30 10:58:53 2008 |
Hi! I have a friend who has a couple internet .. |
| Posted: Sat Nov 29 18:56:32 2008 |
In a case like that, for something that is not .. |
| Posted: Sat Nov 29 18:49:48 2008 |
According to law they cannot divulge any .. |
| Posted: Sat Nov 29 18:34:15 2008 |
You know that NCO legally has the debt, but you .. |
| Posted: Fri Nov 28 14:31:07 2008 |
Wow they didn't give you any time to even get it .. |
| Posted: Fri Nov 28 0:13:11 2008 |
Wow! What a nice lady to refuse your payment. .. |
| Posted: Fri Nov 28 0:05:41 2008 |
If you haven't filed bankruptcy yet, then you .. |
| Posted: Thu Nov 27 12:18:16 2008 |
Actually you can send CMRR to a PO Box..I do it .. |
| Posted: Thu Nov 27 12:09:11 2008 |
Personally I think it is unfair and basically .. |
| Posted: Wed Nov 26 10:36:18 2008 |
Yes, you seem to have this well in hand. It .. |
| Posted: Wed Nov 26 10:25:19 2008 |
Did you first ask the motorcycle place to destroy .. |
| Posted: Sun Nov 23 15:39:36 2008 |
For an original creditor, you would have to force .. |
| Posted: Sat Nov 22 23:15:47 2008 |
Well, then just answer them as you see fit. .. |
| Posted: Fri Nov 21 20:14:28 2008 |
You should find out if your state is a one party .. |
| Posted: Fri Nov 21 20:10:48 2008 |
I think they were asking who has the right to .. |
| Posted: Fri Nov 21 20:05:06 2008 |
Send them a letter and inform them that you have .. |
| Posted: Fri Nov 21 19:58:05 2008 |
Guest27: Next time you talk to them ask them to .. |
| Posted: Thu Nov 20 16:57:57 2008 |
I think you do..but you can also send THEM .. |
| Posted: Thu Nov 20 1:16:27 2008 |
Thanks! I totally appreciate this! I was so .. |
| Posted: Tue Nov 18 22:27:36 2008 |
I'm curious, what did you put in your answers I .. |
| Posted: Mon Nov 17 12:34:22 2008 |
You know about texas requiring a bond for .. |
| Posted: Mon Nov 17 9:23:55 2008 |
What I don't understand is how can a judge order .. |
| Posted: Thu Nov 13 21:08:30 2008 |
1. Make 2 copies of your credit report. Keep .. |
| Posted: Thu Nov 13 20:55:32 2008 |
They won't be able to fake a copy of the actual .. |
| Posted: Thu Nov 13 20:50:20 2008 |
The downloaded comment is a bunch of BS. You .. |
| Posted: Thu Nov 13 20:47:08 2008 |
Some courts have online searches available, some .. |
| Posted: Thu Nov 13 17:09:40 2008 |
Unfortunately no I wasn't..I was surprised at the .. |
| Posted: Thu Nov 13 16:33:07 2008 |
I haven't had any CA calls in some time so was .. |
| Posted: Thu Nov 13 12:27:55 2008 |
Ive heard of the "downloaded" .. |
| Posted: Thu Nov 13 12:25:50 2008 |
I might be too late in responding to this post .. |
| Posted: Thu Nov 13 12:17:44 2008 |
Get the name and address of this company and send .. |
| Posted: Thu Nov 13 12:13:19 2008 |
Yes they should..I would be all over them until .. |
| Posted: Thu Nov 13 12:09:10 2008 |
Check and see if they are registered as a CSO .. |
| Posted: Thu Nov 13 12:04:40 2008 |
There are a couple things to consider..like if .. |
| Posted: Thu Nov 13 11:59:26 2008 |
Or type " letter" in google..lots of .. |
| Posted: Thu Nov 13 11:57:08 2008 |
Wow..I'm surprised they even offered the $65 .. |
| Posted: Thu Nov 13 11:49:25 2008 |
Thank you..I never noticed that sticky .. |
| Posted: Wed Nov 12 20:02:41 2008 |
Good for you! I am glad that it was solved with .. |
| Posted: Wed Nov 12 20:00:51 2008 |
I answered .. |
| Posted: Wed Nov 12 10:37:42 2008 |
Ok bit of an update: I checked my profile again .. |
| Posted: Wed Nov 12 10:34:44 2008 |
I just encashed my points but realized I just .. |
| Posted: Wed Nov 12 10:29:25 2008 |
Not likely..since your father has been dead for .. |
| Posted: Wed Nov 12 10:04:56 2008 |
Try the web site, also try doing a google search .. |
| Posted: Wed Nov 12 10:01:21 2008 |
You could dispute with the CRAs, send them copies .. |
| Posted: Wed Nov 12 9:57:47 2008 |
If you feel comfortable enough and know your .. |
| Posted: Wed Nov 12 9:50:22 2008 |
Both Letty and al63139 are dead wrong. I can't .. |
| Posted: Wed Nov 12 9:36:41 2008 |
Check and see if you can record phone .. |
| Posted: Wed Nov 12 9:30:30 2008 |
bw: Give them the addy to the cemetery where .. |
| Posted: Wed Nov 12 9:25:58 2008 |
Notify the CRAs immediately. It looks like they .. |
| Posted: Wed Nov 12 9:23:59 2008 |
Good for you andreaRC! Every time someone hits .. |
| Posted: Wed Nov 12 9:20:40 2008 |
The next time you get a call and they unload all .. |
| Posted: Wed Nov 12 9:17:09 2008 |
Check with your secretary of state...they should .. |
| Posted: Wed Nov 12 9:05:05 2008 |
Well good luck with it and keep us informed! We .. |
| Posted: Wed Nov 12 8:59:31 2008 |
Well, even anonimously the landlord would still .. |
| Posted: Wed Nov 12 7:31:25 2008 |
That is a big difference in balances. You could .. |
| Posted: Wed Nov 12 6:59:24 2008 |
Well you are kind of stuck between a rock and a .. |
| Posted: Wed Nov 12 6:45:32 2008 |
You should not make any payments until they .. |
| Posted: Wed Nov 12 6:21:22 2008 |
When you do get to the settlement phase, take .. |
| Posted: Wed Nov 12 6:16:41 2008 |
Well, before you consider any of their so called .. |
| Posted: Wed Nov 12 6:04:57 2008 |
Were you ever served properly It sounds like you .. |
| Posted: Tue Nov 11 1:01:05 2008 |
Means during discovery they can force her to .. |
| Posted: Tue Nov 11 1:00:03 2008 |
Well, if you got the lady recorded saying that .. |
| Posted: Tue Nov 11 0:56:36 2008 |
There may not be any way to delay this, if it is .. |
| Posted: Mon Nov 10 21:15:14 2008 |
How old is your daughter I think they have to be .. |
| Posted: Mon Nov 10 21:10:57 2008 |
Once the validate *cough cough* yeah right *cough .. |
| Posted: Mon Nov 10 21:09:19 2008 |
LOL people have told me I should go back to .. |
| Posted: Mon Nov 10 21:06:16 2008 |
I found this on some site...I was laughing so .. |
| Posted: Mon Nov 10 20:38:54 2008 |
Immediately go to the police and file for .. |
| Posted: Mon Nov 10 20:33:40 2008 |
They may investigate, or they may compel the .. |
| Posted: Mon Nov 10 20:28:53 2008 |
Send them a and FRCA .. |
| Posted: Mon Nov 10 18:47:41 2008 |
You don't need a reason the law simply states .. |
| Posted: Sun Nov 9 21:19:47 2008 |
Have your son send them a DV letter, it could be .. |
| Posted: Sun Nov 9 21:11:34 2008 |
Basically they are trying to get a judgement .. |
| Posted: Sun Nov 9 20:51:02 2008 |
its been so long since I did it I don't have it .. |
| Posted: Sun Nov 9 11:06:30 2008 |
Ok I just looked up confession of judgement..DONT .. |
| Posted: Sun Nov 9 10:58:14 2008 |
You said you DVed them, did they ever provide .. |
| Posted: Sun Nov 9 10:52:24 2008 |
You might also want to inquire about doing your .. |
| Posted: Sun Nov 9 8:48:43 2008 |
Just use the letter in the DIY section as a .. |
| Posted: Sun Nov 9 8:45:54 2008 |
Don't even get me started on the CSO BS, it it .. |
| Posted: Sun Nov 9 8:38:22 2008 |
It sounds rather shady if you ask me. I would .. |
| Posted: Sun Nov 9 8:27:44 2008 |
You should countersue them. I would challenge .. |
| Posted: Sun Nov 9 8:15:52 2008 |
Did you keep all those old credit reports showing .. |
| Posted: Sun Nov 9 8:10:05 2008 |
You might be able to get around that too if you .. |
| Posted: Sun Nov 9 8:04:32 2008 |
Oh you especially want to pay attention to the .. |
| Posted: Sun Nov 9 8:01:06 2008 |
It could be. I am curious on the validation they .. |
| Posted: Sun Nov 9 7:53:02 2008 |
I get downright nasty when they call me on a .. |
| Posted: Sun Nov 9 7:44:01 2008 |
Did they assign it to NES or did they sell it .. |
| Posted: Sat Nov 8 5:08:33 2008 |
Even if you can't find a lawyer, sue them .. |
| Posted: Sat Nov 8 5:06:15 2008 |
If you are in a 2 party state you can still .. |
| Posted: Sat Nov 8 5:01:25 2008 |
Kinda strange they reporting a zero balance. Not .. |
| Posted: Sat Nov 8 4:59:16 2008 |
An attorney is an attorney, just have different .. |
| Posted: Sat Nov 8 4:52:33 2008 |
Send them a DV letter with a limited cease & .. |
| Posted: Sat Nov 8 4:49:51 2008 |
Also did the initial letter you got have the .. |
| Posted: Sat Nov 8 4:46:03 2008 |
There are many DV letter templates on the net and .. |
| Posted: Sat Nov 8 4:39:56 2008 |
I do not own a home so am not sure about this, .. |
| Posted: Sat Nov 8 4:34:46 2008 |
You want to be careful of that student loan..that .. |
| Posted: Sat Nov 8 4:31:16 2008 |
Many times CAs will use lawfirms to scare people .. |
| Posted: Sat Nov 8 4:20:45 2008 |
Send them a DV () letter. Ask for all .. |
| Posted: Sat Nov 8 4:09:06 2008 |
Garnishment has to come from the court. If you .. |
| Posted: Sat Nov 8 3:57:32 2008 |
henderip: What exactly do they mean by, .. |
| Posted: Fri Nov 7 3:46:50 2008 |
Yeah, unfortunately that sounds like the case. .. |
| Posted: Wed Nov 5 16:16:43 2008 |
I am not talking about the taxes, but the .. |
| Posted: Mon Nov 3 7:30:51 2008 |
Did you go to court over this already They can't .. |
| Posted: Mon Nov 3 7:23:06 2008 |
Right...always ask for validation...with the 1099 .. |
| Posted: Mon Nov 3 7:18:33 2008 |
You would ask for complete documentation during .. |
| Posted: Mon Nov 3 7:05:48 2008 |
Well the ordeal is over and I am very happy where .. |
| Posted: Mon Nov 3 7:03:36 2008 |
*just rolls her eyes at the guest post*
Why .. |
| Posted: Wed Oct 29 1:06:34 2008 |
They also violated the law by threatening to .. |
| Posted: Wed Oct 29 0:49:15 2008 |
I'm a big fan of karma..I am not going to do .. |
| Posted: Mon Oct 27 16:22:16 2008 |
I don't have a whole lot of faith in our economy, .. |
| Posted: Mon Oct 27 16:13:20 2008 |
My thoughts with you as well..I have been down .. |
| Posted: Mon Oct 27 16:05:27 2008 |
Nah....the whole stupid thing is that we were .. |
| Posted: Mon Oct 27 16:03:35 2008 |
Nah....the whole stupid thing is that we were .. |
| Posted: Mon Oct 27 14:20:50 2008 |
Oh I should mention that this is only a big .. |
| Posted: Mon Oct 27 14:17:56 2008 |
Heh..I have had several interesting ideas given .. |
| Posted: Mon Oct 27 13:00:35 2008 |
Ok I just had court today and witnessed the judge .. |
| Posted: Mon Oct 27 12:25:30 2008 |
I think lemon law applies to new cars, not used .. |
| Posted: Wed Oct 22 9:09:02 2008 |
Can they report the car to the police I never .. |
| Posted: Mon Oct 20 7:54:43 2008 |
You already denied, and you got a letter for the .. |
| Posted: Mon Oct 20 7:35:09 2008 |
Not if you request all that in discovery....that .. |
| Posted: Fri Oct 17 7:12:07 2008 |
Ok that court info is a bit confusing..it doesn't .. |
| Posted: Fri Oct 17 6:58:06 2008 |
OH I forgot!! I am SO sorry:( Just about the .. |
| Posted: Fri Oct 17 6:53:23 2008 |
Verification is: Name of original credit, Amount .. |
| Posted: Thu Oct 16 6:12:37 2008 |
Immediately dispute these withdrawals with your .. |
| Posted: Thu Oct 16 5:55:41 2008 |
Well they have already violated a couple times. .. |
| Posted: Thu Oct 16 5:48:47 2008 |
Like Nascar is asking about your reports, if they .. |
| Posted: Tue Oct 14 19:53:29 2008 |
A judgement is al the have to provide. But here .. |
| Posted: Sun Oct 12 15:33:39 2008 |
Oh yeah, it would be a violation if in fact they .. |
| Posted: Fri Oct 10 22:31:21 2008 |
So basically it isn't considered theft because .. |
| Posted: Fri Oct 10 22:23:41 2008 |
There is also online return where they send the .. |
| Posted: Fri Oct 10 22:20:13 2008 |
What laws would I look that up under We are in .. |
| Posted: Fri Oct 10 22:08:59 2008 |
You should check your laws regarding check .. |
| Posted: Fri Oct 10 21:54:56 2008 |
Ok I have a friend who is letting their car get .. |
| Posted: Fri Oct 10 6:24:12 2008 |
Depends on the situation. WE need a bit more .. |
| Posted: Wed Oct 8 9:44:54 2008 |
Save that voicemail as .. |
| Posted: Wed Oct 8 9:05:18 2008 |
Heh, on the notion you could also make them look .. |
| Posted: Wed Oct 8 8:56:49 2008 |
Hm that sucks. Did you answer them with .. |
| Posted: Wed Oct 8 8:41:56 2008 |
Did you actually motion to dismiss You should .. |
| Posted: Tue Oct 7 11:52:34 2008 |
It worked...all it took was a simple recording of .. |
| Posted: Tue Oct 7 11:43:39 2008 |
Yes...see if they even actually sued you. I can .. |
| Posted: Mon Oct 6 10:32:21 2008 |
Seeing the Light: I am not sure what you can do .. |
| Posted: Mon Oct 6 10:29:44 2008 |
Melissa, what state are you in and did they .. |
| Posted: Mon Oct 6 10:15:12 2008 |
Hmm. I can maybe help you word your letter. I .. |
| Posted: Mon Oct 6 8:55:19 2008 |
Have you ever sent a DV Was this agreement in .. |
| Posted: Mon Oct 6 8:31:44 2008 |
Are you sure they have no right to contact me .. |
| Posted: Sun Oct 5 23:45:37 2008 |
Speak to your bank, it is a simple fact that the .. |
| Posted: Sun Oct 5 23:41:16 2008 |
I will likely, but I think they will ignore it. .. |
| Posted: Sun Oct 5 23:32:50 2008 |
This is real dang annoying. A friend of mine .. |
| Posted: Sun Oct 5 23:16:52 2008 |
And yet Tabby, you still seem to lump it all .. |
| Posted: Fri Oct 3 20:46:53 2008 |
How can they follow the law if they don't follow .. |
| Posted: Sat Sep 27 21:10:10 2008 |
Check with your bank asap!! If they did not have .. |
| Posted: Sat Sep 27 13:28:12 2008 |
Is it reporting on your credit reports If so you .. |
| Posted: Sat Sep 27 13:22:44 2008 |
Actually a consumer can sue because of no bond .. |
| Posted: Sat Sep 27 1:32:37 2008 |
Oh here is what I replied..not sure why you can't .. |
| Posted: Sat Sep 27 1:30:47 2008 |
Well, its really only a bluff if you choose not .. |
| Posted: Fri Sep 26 10:51:33 2008 |
Well, the point is that you may not sell the car .. |
| Posted: Fri Sep 26 9:05:29 2008 |
I have been thinking about this a lot lately and .. |
| Posted: Fri Sep 26 8:47:42 2008 |
I have found the BBB to be largely ineffectual. .. |
| Posted: Fri Sep 26 8:42:39 2008 |
It is true that they will try to give you time .. |
| Posted: Fri Sep 26 8:34:34 2008 |
The only thing that can make an account active is .. |
| Posted: Fri Sep 26 8:14:00 2008 |
Contact that court and request the method of .. |
| Posted: Fri Sep 26 8:08:45 2008 |
That is all fine and good, but where is your .. |
| Posted: Tue Sep 23 21:46:07 2008 |
Hmm ok, generally they are supposed to give you .. |
| Posted: Tue Sep 23 21:36:07 2008 |
They can look at your credit report if they are .. |
| Posted: Tue Sep 23 21:27:19 2008 |
Well, most of my letters are tailor made and all .. |
| Posted: Tue Sep 23 10:33:58 2008 |
You can demand the validation in discovery. At .. |
| Posted: Tue Sep 23 10:21:42 2008 |
I am curious why nkomo feels that this business .. |
| Posted: Tue Sep 23 10:10:35 2008 |
If you did send them a DV letter and they did not .. |
| Posted: Tue Sep 23 9:57:59 2008 |
This is why you need any settlement in writing .. |
| Posted: Mon Sep 22 19:04:21 2008 |
Yes you can. Also mental anguish for the same .. |
| Posted: Mon Sep 22 0:32:18 2008 |
You can get a free copy of your credit reports .. |
| Posted: Mon Sep 22 0:25:43 2008 |
You can claim in that court...sometimes a .. |
| Posted: Sat Sep 20 9:20:38 2008 |
I have also noted that they do not usually offer .. |
| Posted: Fri Sep 19 21:35:54 2008 |
Yes, you should DV this company (send them a .. |
| Posted: Thu Sep 18 20:23:36 2008 |
Here is a sample letter that references Texas .. |
| Posted: Thu Sep 18 20:15:03 2008 |
Yu do not need a lawyer for this particular .. |
| Posted: Thu Sep 18 19:54:26 2008 |
If you are in Texas you can do a whole lot. Send .. |
| Posted: Thu Sep 18 15:59:34 2008 |
How about properly validating the debt How about .. |
| Posted: Wed Sep 17 15:57:16 2008 |
You don't need a letter of deletion, because it .. |
| Posted: Tue Sep 16 18:21:09 2008 |
Texas is also one of the best states for taking .. |
| Posted: Tue Sep 16 18:18:46 2008 |
That is good too, you could send them a letter .. |
| Posted: Tue Sep 16 12:52:48 2008 |
I would be extremely leery of NCO and was that .. |
| Posted: Thu Sep 11 5:28:59 2008 |
No Name, it is not up to you to provide proof, .. |
| Posted: Wed Sep 10 6:29:08 2008 |
Send a DV letter, CMRR. If they refuse to .. |
| Posted: Wed Sep 10 6:17:16 2008 |
Sometimes I tend to write really fast and right .. |
| Posted: Tue Sep 9 8:14:37 2008 |
I am not sure what the difference is, someone .. |
| Posted: Sun Sep 7 17:35:51 2008 |
Deny the whole thing, demand all documentation in .. |
| Posted: Sun Sep 7 17:27:49 2008 |
I have so many times seen how people wished that .. |
| Posted: Sun Sep 7 17:16:51 2008 |
The summons was notice...didn't it come with a .. |
| Posted: Sat Sep 6 14:50:46 2008 |
Sounds like it is still in SOL but as I said .. |
| Posted: Thu Sep 4 6:16:55 2008 |
DV: - This is getting all the documentation from .. |
| Posted: Thu Sep 4 6:07:16 2008 |
I feel for ya smo65d11 , what a big headache! .. |
| Posted: Wed Sep 3 12:55:10 2008 |
What state are you in There are some states with .. |
| Posted: Wed Sep 3 12:47:40 2008 |
You need to ask them for all validating .. |
| Posted: Wed Sep 3 12:40:08 2008 |
Also take into consideration the age of the debt .. |
| Posted: Tue Sep 2 21:48:31 2008 |
Take all your paperwork with you to court, .. |
| Posted: Mon Sep 1 18:12:07 2008 |
Hey I am very curious about something. I have .. |
| Posted: Mon Sep 1 17:56:38 2008 |
Could you give us more details about this debt, .. |
| Posted: Mon Sep 1 17:52:55 2008 |
Check your state laws, some states do not allow .. |
| Posted: Mon Sep 1 17:41:49 2008 |
They also violated by handing the account over to .. |
| Posted: Mon Sep 1 17:29:37 2008 |
Ignore that last post...yet another troll with .. |
| Posted: Mon Sep 1 17:19:42 2008 |
Some lawyers will do it on the contingency of .. |
| Posted: Mon Sep 1 17:15:13 2008 |
This is why it is such a bad idea to set up .. |
| Posted: Mon Sep 1 16:59:54 2008 |
Well, even if they can't provide the contract, .. |
| Posted: Mon Sep 1 16:54:41 2008 |
Backdoor to Trans Union? .. |
| Posted: Sun Aug 31 17:12:16 2008 |
Don't deal with these jerks over the phone again. .. |
| Posted: Sat Aug 30 14:57:07 2008 |
The bank lady was dead wrong. They CAN'T do that .. |
| Posted: Sat Aug 30 14:53:01 2008 |
You should have persued it...the judge in my case .. |
| Posted: Sat Aug 30 14:50:33 2008 |
I wasn't making a big deal out of it..I was .. |
| Posted: Sat Aug 30 12:47:45 2008 |
DV both companies and make them prove you owe .. |
| Posted: Sat Aug 30 12:43:32 2008 |
Check your state statues on that...I know that .. |
| Posted: Sat Aug 30 12:37:41 2008 |
Then I doubt that any judge would accept them .. |
| Posted: Sat Aug 30 12:35:35 2008 |
Technically yes (and many CAs will say that as .. |
| Posted: Sat Aug 30 11:27:58 2008 |
I didn't think limited C&Ds could be .. |
| Posted: Sat Aug 30 11:22:46 2008 |
They said the loan was a private bank loan for .. |
| Posted: Sat Aug 30 11:14:33 2008 |
Ohhh then you have them! Suing you while under a .. |
| Posted: Sat Aug 30 10:57:13 2008 |
Well since there was some discrepencies that were .. |
| Posted: Fri Aug 29 21:58:51 2008 |
On the ambulance bill: No, that can NOT do that. .. |
| Posted: Fri Aug 29 21:49:44 2008 |
Send the limited cease & desist as was .. |
| Posted: Fri Aug 29 21:44:10 2008 |
I fully agree with cellular. The only reason .. |
| Posted: Fri Aug 29 21:36:40 2008 |
Then I would send them a total cease & desist .. |
| Posted: Fri Aug 29 15:23:03 2008 |
..verification just means they tell you who the .. |
| Posted: Fri Aug 29 15:17:47 2008 |
It is under satisfactory accounts That doesn't .. |
| Posted: Fri Aug 29 14:58:37 2008 |
...you are asking them for a complete accounting .. |
| Posted: Fri Aug 29 14:56:50 2008 |
Actually..they ARE required by law..IF you DV .. |
| Posted: Fri Aug 29 14:47:22 2008 |
It is possible that they never bothered to report .. |
| Posted: Fri Aug 29 8:57:44 2008 |
I would also DV them and force them to prove .. |
| Posted: Fri Aug 29 8:52:18 2008 |
Seems the SOL for Indiana is 6 years for open .. |
| Posted: Fri Aug 29 8:41:33 2008 |
That whole thing sounds fishy....so basically .. |
| Posted: Fri Aug 29 8:32:28 2008 |
If they are not proving you with an updated .. |
| Posted: Thu Aug 28 16:07:23 2008 |
Contact your Secretary of State and ask them what .. |
| Posted: Thu Aug 28 14:34:29 2008 |
Send them A DV letter asking for a full and .. |
| Posted: Thu Aug 28 10:02:48 2008 |
It is the CA who is the liar. The burden of .. |
| Posted: Thu Aug 28 9:56:15 2008 |
Hmm..you can use the last 4 digits of your SSN, .. |
| Posted: Thu Aug 28 9:52:03 2008 |
Be sure to send in your answer, basically you .. |
| Posted: Thu Aug 28 9:41:49 2008 |
Those affidavits are not worth it as toilet paper .. |
| Posted: Thu Aug 28 9:35:03 2008 |
1099c's are another way for the JDB to harass and .. |
| Posted: Thu Aug 28 9:28:40 2008 |
If it is 13 years old it should definately not be .. |
| Posted: Thu Aug 28 9:21:18 2008 |
Well, you shouldn't have to, but they can claim .. |
| Posted: Thu Aug 28 9:15:57 2008 |
Send them a DV letter, it is your right. They .. |
| Posted: Thu Aug 28 9:08:49 2008 |
They can sue you even if it is out of SOL, but .. |
| Posted: Thu Aug 28 8:49:46 2008 |
Just because they say they are willing to help .. |
| Posted: Thu Aug 28 8:36:54 2008 |
Did you use Texas laws in your DV letter In .. |
| Posted: Sat Aug 16 23:32:55 2008 |
That sounds like the CA is saying they own the .. |
| Posted: Sat Aug 16 23:27:24 2008 |
Ok I just want back and read the first few .. |
| Posted: Sat Aug 16 23:24:21 2008 |
I have to respectfully disagree. I am far far .. |
| Posted: Sat Aug 16 23:18:28 2008 |
I got a blog set up through here (see it in my .. |
| Posted: Sat Aug 16 23:12:34 2008 |
I am not letting them raz me anymore...I just .. |
| Posted: Fri Aug 15 12:12:25 2008 |
I love how thier 'official' little paper .. |
| Posted: Thu Jul 31 2:40:38 2008 |
Oh to answer the others it is not a PDL it is .. |
| Posted: Thu Jul 31 2:35:10 2008 |
You last two posters.....having a bit of a tough .. |
| Posted: Tue Jul 29 22:49:54 2008 |
First off hello all...I work 40+ hours now and .. |
| Posted: Sat May 24 21:00:04 2008 |
They could be going after you for these 'junk .. |
| Posted: Fri May 23 23:29:43 2008 |
You will have to do it through the discovery .. |
| Posted: Fri May 23 4:29:06 2008 |
There has been some curiosity about the DV method .. |
| Posted: Fri May 23 3:50:36 2008 |
10 years...it shouldn't even be on your credit .. |
| Posted: Thu May 22 16:05:40 2008 |
You should DV them just so you know where you .. |
| Posted: Thu May 22 16:03:44 2008 |
Well, who were you paying That money has to be .. |
| Posted: Thu May 22 16:02:10 2008 |
Tell them they have the wrong person and to .. |
| Posted: Thu May 22 1:16:01 2008 |
Honestly I think it is jumping the gun to just .. |
| Posted: Thu May 22 1:07:28 2008 |
You could send them another letter and point out .. |
| Posted: Mon May 19 22:44:18 2008 |
That is a letter to the CRAs disputing That is .. |
| Posted: Mon May 19 22:40:48 2008 |
You can take them to small claims. I did another .. |
| Posted: Mon May 19 13:06:44 2008 |
This doesn't make any sense. If the lawyer .. |
| Posted: Mon May 19 12:54:04 2008 |
You can request the method of verification from .. |
| Posted: Mon May 19 1:11:04 2008 |
Hey if anyone finds an online version of this .. |
| Posted: Mon May 19 1:08:01 2008 |
Be sure you get your bank to refund those charges .. |
| Posted: Mon May 19 1:05:21 2008 |
Do as JCEMT says above. Also you can send a 2nd .. |
| Posted: Mon May 19 0:58:25 2008 |
They are a collection agency, I think they may be .. |
| Posted: Mon May 19 0:53:35 2008 |
If you think about it, it really doesn't matter. .. |
| Posted: Mon May 19 0:45:50 2008 |
Sometimes it is better to deal with the original .. |
| Posted: Mon May 19 0:30:49 2008 |
Texas has some nice laws for consumers regarding .. |
| Posted: Mon May 19 0:22:25 2008 |
Ok, what they gave you is only good for toilet .. |
| Posted: Mon May 19 0:17:01 2008 |
Also remember that them filing a suit while a DV .. |
| Posted: Mon May 19 0:13:48 2008 |
You could be real agressive with them. Dispute .. |
| Posted: Mon May 19 0:08:05 2008 |
Wow...feb 28 and you only just got it now I would .. |
| Posted: Sat May 17 8:21:10 2008 |
If you need to see better how this works, check .. |
| Posted: Sat May 17 8:19:43 2008 |
To the original poster!!
You are in Texas so .. |
| Posted: Tue May 13 21:39:12 2008 |
Take them to court, force them to give you your .. |
| Posted: Tue May 13 21:29:46 2008 |
Yup. If I were you I would sue. I did, even .. |
| Posted: Tue May 13 7:41:21 2008 |
Ignore posts like that one from Collection Dog, .. |
| Posted: Thu May 8 15:48:32 2008 |
It is hard to prove they got it. You do have the .. |
| Posted: Thu May 8 7:36:34 2008 |
That sounds like a good plan. Just keep on top .. |
| Posted: Wed May 7 17:59:08 2008 |
Um...no...the account I sued on, they gave me .. |
| Posted: Tue May 6 7:25:56 2008 |
You can NOT go to jail for any type of debt. .. |
| Posted: Tue May 6 7:21:49 2008 |
If there is no case against you, you really have .. |
| Posted: Tue May 6 7:11:35 2008 |
Do not worry about that call. It is your right .. |
| Posted: Tue May 6 7:02:27 2008 |
Oh, he is escalating eh I noticed he tried to .. |
| Posted: Tue May 6 6:59:34 2008 |
You have to wonder at they told you they had the .. |
| Posted: Tue May 6 6:46:50 2008 |
What is flame baiting Where did he do that NNC .. |
| Posted: Tue May 6 6:42:32 2008 |
Well, by having this new CA 'collect' for them, .. |
| Posted: Tue May 6 6:31:39 2008 |
Yup..I must be lying, no idea how I got this .. |
| Posted: Mon May 5 7:35:48 2008 |
These are not the Debts you are looking for. You .. |
| Posted: Sun May 4 22:19:22 2008 |
You can also take it to small claims court if you .. |
| Posted: Sun May 4 21:30:30 2008 |
I settled for a monetary award that I can't now .. |
| Posted: Sat May 3 22:31:05 2008 |
You might want to go read the payday loan help .. |
| Posted: Sat May 3 22:26:17 2008 |
Depending on how old it is you may have some .. |
| Posted: Sat May 3 22:23:04 2008 |
Yup, it never made it to court..they wanted to .. |
| Posted: Sat May 3 22:12:22 2008 |
Since they are suing you, I wouldn't bother .. |
| Posted: Fri May 2 21:33:57 2008 |
Um...1999 Wouldn't that make the account past .. |
| Posted: Fri May 2 21:31:32 2008 |
Check your state laws, it will tell you what can .. |
| Posted: Fri May 2 12:59:16 2008 |
Its done! I got the settlement agreement! .. |
| Posted: Fri May 2 12:03:12 2008 |
Riiiight...well guest you must not read very .. |
| Posted: Thu May 1 10:44:52 2008 |
Well..hmm how do you even come up with this .. |
| Posted: Thu May 1 6:43:40 2008 |
Actually did you know that it isn't even a bad .. |
| Posted: Wed Apr 30 16:56:14 2008 |
No, they CAN'T. They only way your husband is .. |
| Posted: Wed Apr 30 16:50:24 2008 |
You need to demand validation in the discovery, .. |
| Posted: Wed Apr 30 16:47:59 2008 |
Hi! Ok first you need to do what was suggested .. |
| Posted: Mon Apr 28 5:35:01 2008 |
Guest, did you even read the original post Would .. |
| Posted: Sun Apr 27 7:54:39 2008 |
You should DV the company. They are lieing to .. |
| Posted: Sun Apr 27 7:43:09 2008 |
Yes, Texas gives you some really big teeth to .. |
| Posted: Sun Apr 27 7:36:55 2008 |
Heh...NNC again...you all notice he hasn't peeped .. |
| Posted: Sun Apr 27 7:32:18 2008 |
Yup a fitness club....I paid the initial due, .. |
| Posted: Sat Apr 26 8:17:18 2008 |
UPDATE:
wow..am update. Heh. Well I have yet .. |
| Posted: Sat Apr 26 8:12:01 2008 |
If it is on the DV then it is enough. If they .. |
| Posted: Sat Apr 26 8:07:17 2008 |
Texas is 4 years. You said you already filed .. |
| Posted: Fri Apr 25 10:52:21 2008 |
This is utterly ridiculous. You shouldn't have .. |
| Posted: Thu Apr 24 11:51:30 2008 |
She was lieing through her teeth. She likely .. |
| Posted: Wed Apr 23 10:46:20 2008 |
aww darn, I wanted to see what sort of vileness .. |
| Posted: Tue Apr 22 21:24:09 2008 |
How do you even come up with punitive damages I .. |
| Posted: Tue Apr 22 17:13:45 2008 |
actually one of them is $1000 total and one is .. |
| Posted: Mon Apr 21 18:08:33 2008 |
It is against the law for them to contact your .. |
| Posted: Mon Apr 21 18:00:40 2008 |
Hi. It sounds like Northstar Location Services .. |
| Posted: Mon Apr 21 17:50:15 2008 |
This is also called overshadowing, basically they .. |
| Posted: Mon Apr 21 17:47:05 2008 |
They can't claim a 1099-c if the OC already did .. |
| Posted: Mon Apr 21 5:17:36 2008 |
Actually, no, they can't. Debt cruncher was .. |
| Posted: Sun Apr 20 9:32:12 2008 |
On the credit report there is a listing of an .. |
| Posted: Sat Apr 19 11:00:02 2008 |
Send them a letter and include a cease & .. |
| Posted: Sat Apr 19 10:55:13 2008 |
Oh, I have given out this web site and encouraged .. |
| Posted: Sat Apr 19 10:53:18 2008 |
I have looked it up...curiously you don't have to .. |
| Posted: Sat Apr 19 8:16:08 2008 |
Well I have a rather interesting situation. As .. |
| Posted: Sat Apr 19 7:15:31 2008 |
If you got the summons it should list a bunch of .. |
| Posted: Wed Apr 16 18:33:47 2008 |
I get so sick of messages like that. I get them .. |
| Posted: Wed Apr 16 9:18:39 2008 |
I have a question...can they report 30 day late .. |
| Posted: Wed Apr 16 7:55:59 2008 |
I was going to...but we have a bit of a financial .. |
| Posted: Wed Apr 16 6:42:27 2008 |
I don't think your disability can be touched, but .. |
| Posted: Wed Apr 16 6:39:27 2008 |
Yes, but that is only if it goes all the way to .. |
| Posted: Wed Apr 16 6:30:21 2008 |
Basically it counts once you get proof back they .. |
| Posted: Wed Apr 16 6:25:33 2008 |
It is too late to DV...they have already filed a .. |
| Posted: Wed Apr 16 6:22:13 2008 |
Yes. There was a whole slew of FCRA and .. |
| Posted: Wed Apr 16 6:16:41 2008 |
*sigh* I just love these 'pay your bills' .. |
| Posted: Wed Apr 16 5:20:27 2008 |
They won't give two hoots about if you are .. |
| Posted: Mon Apr 14 19:40:38 2008 |
Texas SOL is 4 years. All you need to do is .. |
| Posted: Mon Apr 14 19:37:44 2008 |
It would be great to get a lawyer! if you can't, .. |
| Posted: Mon Apr 14 19:35:12 2008 |
That is exactly it. They will use any method .. |
| Posted: Mon Apr 14 19:28:53 2008 |
Texas has a 4 year SOL so you have nothing to .. |
| Posted: Mon Apr 14 19:25:33 2008 |
UPDATE!!!!
ITS OVER!!!!
I got a call from .. |
| Posted: Mon Apr 14 19:22:47 2008 |
Check out my credit repair blog...I live in Texas .. |
| Posted: Mon Apr 14 10:09:18 2008 |
Oh yes...I had one call me up on an old Bally's .. |
| Posted: Mon Apr 14 10:03:49 2008 |
They can't call collect at all..they can not .. |
| Posted: Mon Apr 14 9:58:55 2008 |
You should not have to apologize. You are doing .. |
| Posted: Mon Apr 14 8:11:42 2008 |
Nope, sorry, no cigar! They didn't respond .. |
| Posted: Mon Apr 14 8:08:46 2008 |
Ha! Do I detect a moon-howler Unfortunately, I .. |
| Posted: Mon Apr 14 7:55:00 2008 |
But if you read it like that, if it isn't .. |
| Posted: Mon Apr 14 7:45:36 2008 |
Yes you can put both into one letter. there are .. |
| Posted: Mon Apr 14 7:37:43 2008 |
I think this is a great idea! I may try .. |
| Posted: Sun Apr 13 11:16:06 2008 |
Yup! I was just trying to get the image to show .. |
| Posted: Sun Apr 13 11:05:55 2008 |
still can't get the image to work. .. |
| Posted: Sun Apr 13 11:04:49 2008 |
1-2 Punch .. |
| Posted: Sun Apr 13 10:47:40 2008 |
Hmm..the picture didn't show..but goto the site .. |
| Posted: Sun Apr 13 10:47:09 2008 |
There is a method out there called the 1-2 punch. .. |
| Posted: Sun Apr 13 10:18:32 2008 |
How can a civil suit be a method of first contact .. |
| Posted: Sun Apr 13 10:13:01 2008 |
I think you should answer the phone at least so .. |
| Posted: Sun Apr 13 9:59:44 2008 |
Oh, I am most definately wiccan.....it is almost .. |
| Posted: Sun Apr 13 9:58:23 2008 |
Exactly. .. |
| Posted: Sun Apr 13 9:56:23 2008 |
LOL!!!
Wiches and vampires...oh .. |
| Posted: Sun Apr 13 9:13:46 2008 |
The debtor does NOT have to prove they paid. The .. |
| Posted: Sun Apr 13 9:03:13 2008 |
*sigh*
Wow. That guest needs to get new .. |
| Posted: Sun Apr 13 8:57:45 2008 |
That is correct, you can't be garnished for .. |
| Posted: Sun Apr 13 8:53:47 2008 |
Thanks! I believe that very deeply....only you .. |
| Posted: Sun Apr 13 8:49:38 2008 |
Guess I can start this off with a funny little .. |
| Posted: Sun Apr 13 8:29:30 2008 |
Ok...I noticed in my thread on LVNV that someone .. |
| Posted: Sun Apr 13 8:21:11 2008 |
Wow..um..ok...how did my religious beliefs come .. |
| Posted: Sat Apr 12 4:12:51 2008 |
UPDATE!!!
Guess who called me today The .. |
| Posted: Fri Apr 11 7:09:20 2008 |
Wow! .. |
| Posted: Fri Apr 11 7:05:00 2008 |
I notice SHE never responded to my post..I wasn't .. |
| Posted: Fri Apr 11 6:47:01 2008 |
Hmm Is CitiFinancial part of LVNV They have so .. |
| Posted: Fri Apr 11 6:38:50 2008 |
Hi! I live in Texas and as a matter of fact, .. |
| Posted: Wed Apr 9 6:09:25 2008 |
What this CA is doing to you is completely and .. |
| Posted: Tue Apr 8 9:37:40 2008 |
Then what is stopping every CA who ever has hold .. |
| Posted: Tue Apr 8 9:30:40 2008 |
Don't worry! You have the best backup and .. |
| Posted: Tue Apr 8 9:23:36 2008 |
Not only that, but the guest is dead wrong. It .. |
| Posted: Tue Apr 8 9:13:41 2008 |
As always Nonsense Collector opens his mouth and .. |
| Posted: Tue Apr 8 5:19:16 2008 |
That sounds like you just have to send the .. |
| Posted: Tue Apr 8 5:05:19 2008 |
This was brought up in another thread, but I .. |
| Posted: Tue Apr 8 1:06:23 2008 |
Send them a new letter informing them that what .. |
| Posted: Tue Apr 8 1:04:55 2008 |
Yes, but only if they are done properly and .. |
| Posted: Mon Apr 7 6:21:21 2008 |
But what if you have no documents You can't .. |
| Posted: Mon Apr 7 5:43:58 2008 |
If for some reason it doesn't get dismissed, .. |
| Posted: Sun Apr 6 15:52:30 2008 |
You should check first thing in the morning to .. |
| Posted: Sun Apr 6 15:47:54 2008 |
Looks more like a bong to me... .. |
| Posted: Sun Apr 6 15:44:44 2008 |
If the correct date was 1999, it is not only out .. |
| Posted: Sun Apr 6 15:38:58 2008 |
The law would be based on where the debtor lives. .. |
| Posted: Sun Apr 6 8:34:28 2008 |
Guest (15 year old got books):
Send them a DV, .. |
| Posted: Sun Apr 6 8:15:42 2008 |
They are likely just trying to be intimidating by .. |
| Posted: Sun Apr 6 8:11:15 2008 |
*eye .. |
| Posted: Sat Apr 5 8:04:29 2008 |
I have seen it plenty of times when a OC and a CA .. |
| Posted: Sat Apr 5 7:56:51 2008 |
I am not sure on that. I just know Texas has a .. |
| Posted: Sat Apr 5 7:54:06 2008 |
Hehe let them try it, I would be happy to amend .. |
| Posted: Fri Apr 4 18:34:50 2008 |
Well I think they have to be filed with the court .. |
| Posted: Fri Apr 4 18:26:44 2008 |
I say let them hang themselves a bit more. Give .. |
| Posted: Fri Apr 4 18:22:54 2008 |
Simple: answer: Without sufficient knowledge to .. |
| Posted: Fri Apr 4 18:18:52 2008 |
UPDATE!!!!
I have got a certified letter! We .. |
| Posted: Fri Apr 4 18:12:38 2008 |
They can still sue no matter what you do. I .. |
| Posted: Fri Apr 4 18:06:16 2008 |
They say all kinds of crazy, stupid things. I .. |
| Posted: Fri Apr 4 18:04:29 2008 |
P tramp: Check your rules of civil procedure! I .. |
| Posted: Fri Apr 4 17:59:47 2008 |
Seriously don't worry about these losers. They .. |
| Posted: Fri Apr 4 10:42:55 2008 |
definately send a DV demand, obviously this .. |
| Posted: Fri Apr 4 10:31:24 2008 |
Are all of them showing up on your credit report .. |
| Posted: Fri Apr 4 10:23:26 2008 |
The 7 years is for reporting to your credit .. |
| Posted: Fri Apr 4 10:17:05 2008 |
Hmm You are in Texas correct Texas also has a .. |
| Posted: Fri Apr 4 10:09:30 2008 |
Bearah you are completely wrong on most of what .. |
| Posted: Fri Apr 4 9:28:36 2008 |
I didn't mean that the phone call could not be .. |
| Posted: Thu Apr 3 9:19:08 2008 |
But I think the law specifically states the .. |
| Posted: Thu Apr 3 9:14:37 2008 |
Is that 9 seperate companies or 9 accounts spread .. |
| Posted: Thu Apr 3 9:11:40 2008 |
Texas has some nice consumer laws regarding debt. .. |
| Posted: Thu Apr 3 9:07:23 2008 |
That is technically true, however the judge will .. |
| Posted: Wed Apr 2 9:31:13 2008 |
Keep in mind that this may not even have anything .. |
| Posted: Wed Apr 2 9:15:57 2008 |
There is several letters on this sites "do .. |
| Posted: Wed Apr 2 8:58:24 2008 |
LVNV are a bunch of &^%$#@@%&(*(, Ok, .. |
| Posted: Wed Apr 2 8:35:56 2008 |
It is -never- a crime. Repeat. NEVER. The only .. |
| Posted: Thu Mar 27 9:49:05 2008 |
Remember that they did not validate the dept .. |
| Posted: Sun Mar 23 9:57:45 2008 |
Definately send them a letter demanding they .. |
| Posted: Tue Mar 18 9:19:16 2008 |
Yes you can put in the limited cease & desist .. |
| Posted: Tue Mar 18 9:13:03 2008 |
Unfortunately, not only can it be put back on the .. |
| Posted: Mon Mar 17 14:13:30 2008 |
You CAN send CMRR to PO boxes, I do it all the .. |
| Posted: Mon Mar 17 8:59:33 2008 |
hehe heh..I would never hear the end of it. .. |
| Posted: Mon Mar 17 8:54:32 2008 |
No, I didn't record the lawyer, didn't really see .. |
| Posted: Mon Mar 17 8:45:57 2008 |
I would put that letter someplace safe. It .. |
| Posted: Mon Mar 17 8:40:22 2008 |
This is just my opinion, but it reads to me that .. |
| Posted: Mon Mar 17 8:35:06 2008 |
Be sure to have them validate this new amount, .. |
| Posted: Mon Mar 17 8:26:13 2008 |
I haven't ever used one of these services, since .. |
| Posted: Mon Mar 17 8:15:52 2008 |
It is a letter demanding validation of the .. |
| Posted: Sun Mar 16 9:46:17 2008 |
AND there are NO lawyers who specialize in this .. |
| Posted: Sun Mar 16 9:44:54 2008 |
Hmm...ok....it just feels weird that my 17 year .. |
| Posted: Sun Mar 16 9:31:32 2008 |
Thanks lawstudent..if I didn't think I was too .. |
| Posted: Sun Mar 16 9:20:18 2008 |
I think that is a good letter. It boggles my .. |
| Posted: Sun Mar 16 9:03:53 2008 |
I have dealt with this kind of situation before |
