Hiring attorney out of question, AG and FTC of no use
Date: Wed, 02/18/2009 - 07:41
You get a "form" card from the AG office and nothing comes of it and calls continue. FTC doesn't care, they do NOTHING.
When you are unemployed, you cannot afford an attorney so to continue to advise people to "hire an attorney".......who is suppose to pay for that when the debt is NOT OURS and we have proven it over and over to each and every bottom scum feeding collection agency?
And when you ask for a copy of your credit report, guess what, that "resets" the date it would have originally dropped off.
When you contest debts and send Proof of debt letters (return receipt requested) and follow up with 2nd request and no respond and provide the 3 major credit bureaus with the proof they do NOTHING and they do not remove the info. I have been on this merry-go-round for years for debts that are not mine and/or I cannot get info on them.
When you apply for NEW line of credit for anything (apt., car, credit card, etc) then they can see you did this and ding your report to again find you and the next bottom feeder comes after you but NEVER responds to proof of debt letters. They simply sell your debt to someone else.
In other words............if something is on your credit report, you are screwed even when it is not your debt.
If you cannot hire an attorney at $1,000's per case, you are screwed.
There is zero help for those of us who are unemployed or single parents when we can't even get proof of debts or help other then "send C&D letter" and "hire an attorney".
I am very much proactive but when the 3 major credit bureaus repeatedly do NOT remove invalid info and you report them also and nothing happens.........why bother? Just let the debt "fall off" by not applying for any type of credit, go into a homeless shelter with your kids and wait for your credit report to clear on it's own.
And don't even get me started about Telechek and Teletrak. My daughter STOLE checks from me 7 years ago and ran around town "buying" things with no check of id. When I ask Telecheck and Teletrak to "validate" what they are reporting they simply state they have "investiaged the request and info is correct". And trying to get info our of banks where I had this account from is impossible as they went under and are no longer in business. Yet, I, cannot write checks. Nice.
I couldn't afford an attorney to tackle Palisades Collection LLC
I couldn't afford an attorney to tackle Palisades Collection LLC, but I was able to find one who took my case on contingency. Yes, they received 5 times more than I did due to fees and court costs, but #1 I didn't have to pay the up front fees, and #2 I WON AND PALISADES LOST!
As smo65d11 said, if you can't afford an attorney, you can find
As smo65d11 said, if you can't afford an attorney, you can find one of those "no pay till you win" or pro-bono, or contingency. Just gotta do the leg work and have all your ducks in a row, as well as documentation to back it up.If you don't have any documentation even the "no pay till you win, pro-bono or contingency lawyers will not touch the case until you have hard documenation.
Thanks, but I have had all the "hard evidence" in 3 instances an
Thanks, but I have had all the "hard evidence" in 3 instances and each time, the lawyers who took my case pro bono gave up because they found out the companies were actually located outside of the US and they could not win. But the did try. As to govt agencies, they are a waste of time and most should be fired and hire people who care about putting clamps on these agencies and stricter laws in place for the collection agencies.
Guest, i'm sorry but something sounds fishy. I can understand no
Guest, i'm sorry but something sounds fishy. I can understand not going after the CA, but he could have gone after the credit agencies as they ARE located in the US for voliating laws, by not properly validating debt by allowing it to stay on the credit report. I would try a different lawyer and see if you can file suite against the collection agencies.
If a CA is across the border or outside the US, lawyers CAN go a
If a CA is across the border or outside the US, lawyers CAN go after them but it is virtually impossible to get a favorable judgement and because their home offices are out of country, he/she would have to sue in that country. Same as if the CA sought to sue me, they would have to come to my state and file a case.
and each time you request proof of the debt, whether or not the
and each time you request proof of the debt, whether or not the CA validates it or not, they can and do reset the "original loan date" on your credit bureau reports.
Sorry don't by that either as I've requested tons of validations
Sorry don't by that either as I've requested tons of validations and never had an "orginal loan date" reset, which is also a clear violation.
Sorry, I have many times. Not sure how to get it to stop and tha
Sorry, I have many times. Not sure how to get it to stop and that is why I have stopped disputing debts I KNOW are not mine.
Truly not trying to be argumentative, just going off of my own experience with the 3 credit reporting bureaus and their LACK of response.
Also what I have been told by 3 attorneys who took my case and then had to drop it due to company being out of country (seperate issue but I rambled my first post). I did my own research and found out they were right........they would have to file in the home companies country and these scum bags move every month or so to another "store front" in the US, make their calls and all the while they have a PO box somewhere in the US but further digging shows they are located in Canada or overseas. Thus the time spent by a Pro Bono lawyer would be eaten up.
It IS worth it if it is huge amount but if these were my debts I would pay them......they are not, my daughter stole my identity and these are debts BEFORE I put an alert on my ssn, now I am stuck with every 6 months of he** due to the reselling of these old debts.
Hope that makes more sense. :-)
and before anyone asks......no one will take the reports serious
and before anyone asks......no one will take the reports seriously because she is my daughter and I was naive enough to NOT file id theft charges 8 years ago. The law and federal govt have told me this happens all the time (id theft in families) and it is a very grey area. That plus the fact I do not know where she is complicates everything :(
Quote:and each time you request proof of the debt, whether or no
Quote:
and each time you request proof of the debt, whether or not the CA validates it or not, they can and do reset the "original loan date" on your credit bureau reports |
It only changes the date of last activity. That can have some effect on your FICO scores but does not change the allowable amount of time a derogatory item can stay on your credit report - 7 years + 180 days form the DOFD.
