Validation Letter from Holloway & Moxley

You might want to change that last statement, "USPS, certified return receipt requested" So you'll know if they've received the information.
Just a thought.
Also, do you have any documents supporting your last correspondence with them? That will certainly help when disputing with the CRAs. Anything in writing that you have to prove your validity is a plus.

They have a great online dispute form as well. I've
used it many times with excellent results.

Thanks! Do you mean this statement?

"All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS."

I planned on sending all of my letters to them certified, return receipt requested. I mentioned it at the beginning of my post. But why would I want to make sure their correspondence with me is CRRR? I thought the sentence up there meant that they must contact me by my address at the top of the letter by USPS.

Sadly, it's been almost 7 years since this stuff has happened. I've moved and changed addresses a total of 6 times. Mostly everything had been thrown away. Could I contact the original creditors for statements saying when the accounts were opened and what the last date of payment was?

I've tried the online dispute and it wouldn't let me do it since my address didn't match the one in the database. They have tons of addresses on my report, but they don't have my most current one and I've been here for a year and a half. So, it gave me a message to do it by mail and send a copy of my DL and a bill with my address on it. Which will be difficult since the utilities are in my husband's name and I haven't changed my address on my DL since I knew I was going to have to change my last name due to marriage in a year.

Also, I screwed up and put my name in the post. How can I get a moderator to fix it since I'm not registered, only a guest?

Can't you use the last known address they have on file for you?
Also, making sure all correspondence is CRRR will eliminate any confusion on receiving any communication with them in the future.

Hi cedarsmom

I have wiped out your name from your post as requested.

If you are interested, a free sign up can be done you can be a part of the community.

Please let me know if you need any help.

Regards
Mike

Make sure that you have checked the SOL period of this debt account before paying anything or making any commitment to the CA. They will always try to get any of your weak point and force payment. If the CA doesn't give you the last payment details, you can get it from the original creditor. Also, the payments can be sent directly to the original company if this CA is only hired for the purpose. If the debt is sold off, unfortunately you will have to deal with the CA only. I will like to keep in touch with the original creditor also for verifying the details given out by the CA.

Thank you Mike for erasing my name!

The SOL period is up. In AL it's 4 years. It ended in 2004. But, what I'm worried about is Midland Credit re-aging the accounts. In the credit repair forum, I posted both my Experian and Equifax reports. On one, it says that the dates opened are in 2005, and the date of status is in 2000! So, I know I'm out of the SOL time period, but I'm just worried that Midland falsified info and re-aged it. I haven't been in any form of contact with Associates or their agencies since 2000. I'm not paying anything because the SOL is up and it's scheduled to disappear from my report next year.

Also, when I tried to do the dispute online, I used the last address that I was at, not my current address. After I got the message about doing it through the mail, I checked and it had my very old address as the current address... the address I had when I signed up for all of those credit cards.

cedarsmom

Read the section ?? 807. False or misleading representations [15 USC 1692e]

I got another letter from Holloway & Moxley yesterday reminding me that I was still in the time frame of the 30 days to dispute the debt. They kept referring to Midland Credit as their "client".

So, I had been working on the validation letter and sent it today, certified mail with receipt requested.

Now, all I have to do is ask for an investigation with Equifax since they're not showing dates of last payment or dates opened on most of my accounts.

Also, on the Experian report they have the month when the debt is to fall off. How accurate is that?

Good Luck with Holloway and Moxley, I have tried to call them back 5 times within my 30 days, and they would not call me back after I left a message on their machine everytime, and they have only called me once, and I missed the call because I was at work. Now, I checked my mail and they are suing me in District Court. So I sent them a letter detailing every time that I have tried to call. I sent it CRRR and also sent an exact copy of it to their e-mail address.

They also didn't give me any information, all they did was say hey pay us $1091.

Debit was paid in full on 10/09/2009, I have yet to recieve a statement showing it paid in full and it is still showing on my credit report. What steps do I need to take to get this cleared from my credit report?

you might be having bills pertaining to the payment of debit amount towards you.if you have those things with you then surely you will get a good reply from the bank and it will be solved.

Hey, I am being sured - I think - by Holloway and Moxley over an old credit card bill. The court sent a registered letter to an old address and the people there told them
that I moved and they called me and said they saw it.

Since I have not signed it (or even seen it) I guess i am ok until I am served. I am going to fight it if I do get served. These crooked credita card companies change interest rates, late bill without a postmark and then put phony late charges on the bill.

I seems to me the way they do interest is wrong. So, you owe lts say 1000.00, they charge interest, and then nexty month they charge interest on the interest they charged the previous month.

Any one know in Alabama if you have to do anything if you never sign for a certified letter - I would need to back to Birmingham and find the postmaster or something. I don't think I need to do that.

I hate this company, lawyers or not and have told them so. This so called Lawyer Firm has charged me for a collection on a debt. Plus any filings through a so called court. All of which by what I have read IS ILLEGAL!!! I have been checking up op on this kind of law and this is what I have found:
Debt collectors also are prohibited from saying that:

• you will be arrested if you don’t pay your debt;
  
• they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
  
• legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action.
  

• give false credit information about you to anyone, including a credit reporting company;
  
• send you anything that looks like an official document from a court or government agency if it isn’t; or
  
• use a false company name.
  

• try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;
  
• deposit a post-dated check early;
  
• take or threaten to take your property unless it can be done legally; or
  
• contact you by postcard.
  

Can federal benefits be garnished?

Many federal benefits are exempt from garnishment, including:

• Social Security Benefits
  
• Supplemental Security Income (SSI) Benefits
  
• Veterans’ Benefits
  
• Civil Service and Federal Retirement and Disability Benefits
  
• Service Members’ Pay
  
• Military Annuities and Survivors’ Benefits
  
• Student Assistance
  
• Railroad Retirement Benefits
  
• Merchant Seamen Wages
  
• Longshoremen’s and Harbor Workers’ Death and Disability Benefits
  
• Foreign Service Retirement and Disability Benefits
  
• Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
  
• Federal Emergency Management Agency Federal Disaster Assistance
  

my horror story, they have taken me to court twice and yet the judge is giving them a THIRD chance to hit me again! They have to bring back stuff each time to retry it, but its getting sticky. They claim the credit card is not out of SOL (its been over 3 years, almost 4) cause they are saying the open account is a stated account and the lawyer took the judge in the back to show him a book with this law to hit me with. all they have is a BOS that is a zip file of many names and numbers, and the judge said they can show proof with that but he wants the orig, they say they can get it. Seems you dont have to have the orig contract or any proof of signiture, or even actually owe this company. If you ever had a credit card with the company they say they are representing them in my court in sylacauga, al, in talladega county they are going to be able to force a judgement on me and not even account for how the money was figured as well. Makes one think we all could just go down and file on someone and get some money we need! I might not win this one its not looking good. Since i am on disability and all my money i get each month is ssdi/ssi, they cant get the money, but they can make my life hell. I am looking into filing bankruptcy evidently third party debt collectors can collect when most of the things you will read with tell you they dont have a leg to stand on, they just found one, unless i can fight a stated account they are saying it now is with a six year SOL on it. And because i have had a target account in the past, that cements i do owe them, again they could be anyone they have not proved anything in my eyes. So looking to bankruptcy i really dont want another judgement that wont get paid with interest adding up on it on unsecured debt seems unfair to even do that to people with nothing, no savings, no ira, nothing, living paycheck to paycheck and barely doing that, everything i own in the house is over 8 to 30 years old including clothes and i have no car anymore, could not fix it a year ago and had to sell it for scrap. i cant find anything to move to less than my house payment so they have to let me keep it dont they i would die on the street with my health.

i have received 2 notices on this companies attempt to try and collect a debt i cosigned for in 2007. i have asked them for legal documentation that the procedure was followed in the state the purchase was made.they had to follow the laws of texas to collect this payment..them sending and causes me problems at my age, 76, has better be cut and dried by law. if not my lawyers are waiting .it has caused some health problems and i have notified them of such...so wish me luck.i would like to get this to court. ive got 2 pretty good lawyers waiting .

any pro bono lawyers out there to help me, they got me going to court on may 2 again, and i am mentally/physically challenged, i am going to go postal if i dont get some help in defeating them. they bluffed the judge into calling it a stated account, he fell for it, so now i have to go in and convince them that was bold face LIE on their part, its a open account in al and there has been previous lawsuits that used it! A unsecure account is never to become a secure account! I am furious! Need a lawyer willing to sue them back NOW! The debt they have is over three and half years old, and they only have a bill of sale for a portfolio of accounts from target they bought not even has my name on the so called proof! between their lawyer and the judge i fear for the law of al to be upheld, been abused by big old boys more than one time and would like some help here!