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#54
01-22-2009, 11:47 AM
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I'm also caught up in this whole Hess Kennedy mess. They actually did settle two of my five accounts before they were taken over, so I'm hoping to get about $5,000 back (we'll see). What's weird is that I haven't heard from any of the companies that I still haven't settled with in several months. I recently moved and have moved three times in the past three years. Do you think they've lost me? They all had me cell phone number and used to pester me there and also would call my parents, because I was still living there when these accounts were opened. But now I've heard nothing. I want to get them settled once I hopefully get money back from this, but I'm not even sure who I would need to contact at this point to try to settle. My plan is to wait it out until somebody contacts me and then hope at that point I have the money to work something out. Any suggestions?
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#55
01-23-2009, 07:18 AM
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three_bagger if you want to settle the accounts it is best to do it NOW. The reason they are not contacting you is because they are waiting until the SOL is about to run out so that they can tack on all the interests they want and at the very end they will SUE you. YOU DON'T WANT THAT. Since you moved alot they will send the notice of suing to an address they KNOW you don't live at and BAM, they get a default judgment and the next thing you know your bank account is frozen. Find out who has the accounts and work out a settlement when you get the money.
Trust me, unless you moved to another country they know where you are.
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#56
01-23-2009, 08:44 AM
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Tom321,
I have sent DV Letters to Weltman Weinberg and Reis over my account and I recently sent one to LVNV since they appeared on my credit report. Should I wait for them to respond to me or what should I do in your opinon. WWR Sent me a notification saying I owe about 2 months ago. I DV them and never heard back. Thanks for your help.
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#57
01-23-2009, 10:43 AM
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Well it all depends if the accounts are legit and you are willing to pay for them. If they are you have three options.
1. Don't wait for them. They have the upper hand. Contact them and work out a settlement. Ask for everything is writing on what you settled on. 2. Make them validate the debt. If some time pasts call them to see the status of validation. In this case prepare to get a lawyer. Paying $2000 for representation is a lot better than paying the debt. And if they don't really have the right to collect the lawyer might scare them off. Make sure everything you send is cerified mail. 3. Wait until they sue you. Again GET a lawyer ASAP and be ready when this comes if you feel you have the upper hand. If it's not legit try the validation game. I did and it worked twice. If they persist you have to get a lawyer to defend you. Then sue them for breaking the law. Now I now some are saying "But I'm still spending money if I get a lawyer" Yes you are but you are saving yourself the headaches and them just taking your money without warning. Trust me I'm going through it right now and it's a big headache trying to hide your money, pay bills, and just live without getting phone calls and a ton of letters from collectors. A friend of mine did the DV thing and just waited for them to contact her. They never did. But this is what happened out of the blue. 1. They garnished here wages $400 a month. 2. Took $4000 from her bank account (Cleaned it out) 3. Put a lean on her house now she can't sell it. This all happened last week too. So be careful people. Hope I helped you dfawaz.
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#58
01-23-2009, 10:51 AM
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Tom321,
Thanks! I just had one question on the last part. Don't they have to summon you in and get judgement in order to get a garnishment. I looked up my Credit Report and LVNV is on it but not WWR. WWR Is the one contacting me. Thanks again for all your help. I'm searching for a descent lawyer at the moment regardless of response.
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#59
01-23-2009, 11:11 AM
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"Don't they have to summon you in and get judgment in order to get a garnishment"
Yeah they need the judgment...but if they can't find you or you never respond at all to them, that is all they need for a judgment. Once they start you can go to court to dispute but by that time you are in a world of headaches.
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#60
01-23-2009, 11:46 AM
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Thanks Tom,
I just wanted to make sure that it can happen out of nowhere. One thing I have heard about WWR is that they will send your summons to an old address. They have sent me something to my current address so they can't say they dont have it. That would be shady if they did that.
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