I talked today with a lady regarding my 57 day late Advanta bank corp account. First of all she mentioned to me debt management, I then mentioned to her that dmp would not help my monthly payments be lowered and I mentioned debt settlement. She then told me that they do not deal with DS companies as they require them to "sell" my account and they don't do that. I had never heard that before. And she also said that as of the 30th my account would leave her department and so somewhere else, collections I assumed. I explained my situation to her and she wasn't rude but she still was wanting me to make a whole payment when I had just explained that I could not. We then got cut off when I went down into a bad cell phone place. If they don't deal with DS companies, will they deal with DS lawyers?Reason for Editing (Minimum 15 Characters)
Asked on 11:23 am Sep 23rd 2008
Anonymous
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Did NCB ever sue you? How much are your balances with the ones that did and what credit card companies were they?Reason for Editing (Minimum 15 Characters)
Answered on 3:42 pm Jun 10th 2009
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NCB by the way did send me a debt settlement letter.Reason for Editing (Minimum 15 Characters)
Answered on 3:43 pm Jun 10th 2009
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what % did NCB offer you?Reason for Editing (Minimum 15 Characters)
Answered on 7:39 am Jun 11th 2009
Anonymous
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It was around 42.5% to 45% and of course they claim they never even go that low.Reason for Editing (Minimum 15 Characters)
Answered on 8:38 am Jun 11th 2009
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NCB has not sued me. The charged-off Advanta balance, after adding junk fees, was about $11K. The other two creditors which are suing me are for balances of about $6K and $2K. (I am obfuscating the details in case the creditors monitor this site.) I have a lot of other accounts, for similar or larger balances, with no lawsuits from them yet.Reason for Editing (Minimum 15 Characters)
Answered on 10:01 am Jun 11th 2009
Anonymous
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without giving away anything, who were the other two?Reason for Editing (Minimum 15 Characters)
Answered on 12:06 pm Jun 11th 2009
Anonymous
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(obfuscated) Cittyskank and Gen Eclectric Mooney Bunk (Wallyworld card). Both represented by the same crooked law firm, which took both cases about the same time. There's something fishy about that, I think.Reason for Editing (Minimum 15 Characters)
Answered on 1:46 pm Jun 11th 2009
Anonymous
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and are you going to court?Reason for Editing (Minimum 15 Characters)
Answered on 2:13 pm Jun 11th 2009
Anonymous
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How far behind were you on them?Reason for Editing (Minimum 15 Characters)
Answered on 3:42 pm Jun 11th 2009
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Yes, I am fighting them in court pro se. The law firm got both accounts when I was about 9 months behind on them.Reason for Editing (Minimum 15 Characters)
Answered on 1:17 pm Jun 12th 2009
Anonymous
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