888-200-6501 - Does this call belongs to HSBC?

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Thank you Shirley. I had to leave a voicemail for Shannon. I left it at 9:45am still have heard nothing back from him. It really pisses me off that a credit card company can do this while in a consolidation program. HSBC is one of the hardest companies to work with.

Brat, send a written consent as well so that the company gets sure of receiving permission from you. Assuming, if the company refuses to work with your consolidation company because of lack of your permission, you have proof to support your consent.

Shirley,

How much trouble did you have getting them to return phone calls. I have called and left a message granting my permission to contact the consolidation company and still no phone call from Shannon at ext.240. I mailed a letter confirming my permission to speak with the consolidation company and also added that I have left two verbal messges granting permission. Is there anything else I can do? My fax machine is being stubborn today, so I can't fax a letter, would that be smart to also fax the granting of permission letter?

Well, I got my court papers bright and early on a saturday morning, of course there was no one to contact until Monday. So I called them monday morning and got right through to her. After we hung up, I thought of something else to ask her and called back. I then got her answering machine and left her a message. She called back about an hour or so later. She apologized, said it was crazy there.

But I have written twice now and have gotten nothing from them. As I said in my earlier post, I guess I will call them but I really wanted this in writing. I never even got a copy of the judgement from them or any kind of statement saying what my balance is now. That is what I'm trying to get from them. I don't care for them, as I said there was no need in taking me to court over something I was already doing. just their way of making money and pushing their macho law muscles around. Now they just want me to mail my money every month and not ask questions. I'm pissed cause I just want my balance so that I can keep up with it for my records. I am going to call them. :evil:

I'm having issues with HBSC as well. I had them added to a debt consolidation plan and they refused to work with them, I didn't know they were attached with my mortgage. I started working with HUD, now they are working with them I told the gentleman I was working with good luck and he told me they are usually more willing to work when the federal government calls, I'm only trying to stay out of foreclosure. Another reason I'm writing, anyone heard of Lathrop & Gage DC out of Washington? They sent me a collection letter for an old Nextel bill, I have no intention of working with them I'm writing a Cease and Desist as we speak. Any info would be great, also, if they are not licensed in the state I reside do they have legal recourse, any replies helpful.... Thanks... Babs

TTF, were you served court papers or did they mail them? Were you notified of the court date and did you fail to appear?

If there really is a judgement, you should be able to get a copy from the clerk of the local court that issued it.

I was served. lol
There really was a court date and judgement and judgement is now on my credit report. I am going to call lawyers who I have to make my payments to every month, for the balance. It just ticks me off though, they were so perfect that they had to cart me off to court, but they can't respond to me now? I wanted it in writing, guess I will have to just settle for on a phone call to them now. thanks, shirley

I got a call from Michelle this morning and Shannon wanted $135.00 a month payment and I stated no way. We have $300.00 for two weeks for groceries, kids lunches and gas. Michelle stated that we will continue to pay them $26.00 a month and I asked her what if they take me to court and she states that that is not in the future for me. Once the judge sees I am making an attempt to pay the debt, he will laugh in their face. I sure hope she is right.

ttf, get the judgement copy from the court, that way you can make sure u know the correct amounts and can compare it to what they tell you. Also, document each and every call u make in a notebook. also include dates, times and proof of payment notes and records.

Oh no! You girls are being litigated? This is not good! I know that you have every intention in paying the bills, but now they're going to tack on the court fees, filing fees, and attorney's fees and you'll have to pay them! I know that you were doing your best paying what you had left over after expenses, but in no collections status will payments of $25 or $50 protect you from litigations! Your intentions are there, they know that, but in their eyes they are unsatisfactory. Brat 4-ever, I certainly hope you're right that the judge will throw out the case when he sees intent. I know these agencies and creditors are being stupid by not contacting you or providing you wth the information you need. Whenever someone asks me for a valiation letter, a paid in full letter, or a settlement offer letter, I get right on it and tell them when to expect it. Litigation? Maybe their lack of correspondence could be used against them when trying to prove your intent, but I regret to say that you're on a sticky wicket now!

Yesterday was the first I knew about the attorney. My counselor called and stated that HSBC has turned the account over after they were receiving payments. Today Michelle told me not to worry, as long as I'm makeing an effort, the judge will laugh at the attorneys for bringing me to court.

I hope so! I also hope that what you told me about the original creditors ridiculing you makes a difference to the judge. It does to me. This financial farce of yours is by far the biggest crapfest I've ever heard. No bones about it.

Brat, remember, what they are likely banking on is that you wont show up for the court date. show up an d explain it to the judge, the key is to make the judge understand your intent and what you are truly able to pay. Your efforts for consolidation are key make sure you clearly show that. Remember too, that they will not automatically get attorney;s fees and court costs, especially if you can convince the judge that their suit caused you needless expense. One thought comes to mind and forgive me if what i am about to say offends you, but if you are considered low income, there may be free legal assistance available to you, if you tell me what state you live in, I can try and find a contact for you.

I live in Tennessee.

Ari---that is what I was saying from my experience. I dealt with these lawyers a few months back. I had went into 'charge off' mode on a samsclub card and I started sending samsclub money every month--on my own. There was no collection agency. Samsclub was cashing my check every month, I thought everything was fine. Then I get a letter from these lawyers telling me to pay up. I wrote them back and told them that I had been making payments every month directly to samsclub myself. But if I needed to start sending the money to them every month, to write me back and let me know, I also said if I needed to start sending more money, to let me know. a couple of months passed, I'm still sending payments to samsclub, I get woke up on a saturday morning getting served with papers. These lawyers were carting me off to court. The whole while, I was making payments to original creditor. I just don't understand why they felt they had to go that route???? I was making payments and had told them (lawyers) that if they needed me to do anything differently, to let me know. Instead, they blind sided me and took me to court, the week of thanksgiving. I think they did it just to prove they could do it because I was trying to do right.
I approached samsclub and started sending them money on my own. It was my debt, it was the right thing to do.

Heres the thing, they're not calling their client, samsclub, they're listing the creditor as being GE MONEY BANK. But I did get credit for all of my payments that were sent to samsclub.
I just can't get them to send me any paperwork. I really do have to call them tomorrow. I ran out of time today.

But this is what I was telling Brat---these lawyers DON'T PLAY WITH WITH OTHERS and to be careful. They will take you to court, and you won't even see it coming.

Brat, I hope everything goes well and you really are in a safe place with this. I had to jump in and warn you when I saw your first post. shirley

I'm really disgusted with that. Litigating you after you were making voluntary payments, no correspondence in between? This is first rate charlatanry.
Never liked Sam's Club much anyway. The day I opened up a member ship with them I was met with rude treatment by a couple of cashiers, a front end manager, and an assistant manager all over one thing. Then later on I try to go back before work to refund my membership and there's this short little doofus acting as a bouncer telling me I'm not welcome until 10! I really let them have it then and there lambasting them for how much of my time they waste and this customer is always wrong attitude. Got my money back eventually.
I question the authority of Sam's Club. Apparently they don't know what they're doing. They operate by their own little rules oftentimes being rude to customers while doing so, and then there is your situation where they squirrelled away your payments and then decided to drop a nuke on you.

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Here is a link for legal aid in your state it is tennlegalaid.com/Home/PublicWeb Make sure you have all of your correspondence, documents, whatever you have to provide them when you meet. good luck and if I can be of any more help, let me know

Link made inactive as per forum rules - Vikas

Thank You jj.

YES JJ!!! I was just there checking out that site. Its really informative. I'm reading up on it now. I live in Tennessee too, so this is a big help to me as well. thanks again!!! hugs, shirley

Brat-4-ever, did you get my reply last night to your PM? I hope so, if not, I will resend it. Hope I helped in some kind of way.

But, LOL, I thought shannon was the woman that I spoke to before, the one that I had to call about my court date. But shannon is a GUY!! lol!! I talked to him today. I called to get my balance. I told him that I have BEEN asking for it but no one has sent me anything. He checked for me, gave me my balance. I was surprised and asked, 'are you sure? I thought it would be more since it went to court'. so he called the court system but couldn't get through so he came back saying that he wasn't showing anything more than what its saying I owe. That I can call him back another time and he will try to get through again. He said if there is an additional charge-as in court cost-it will be under $100. He asked if I wanted to pay it off. I told him that I was just inquiring about the balance so I could plan ahead and see what I could do towards getting this out of the way.
Right now I am set on $70 a month payments. Its $589.00.

Husband said I should ask if I pay it off now, would they cut me a deal? OPINIONS here please?????
I'm guessing not since its went to court and everything. anyone know for sure???
I guess I'll call him back later on and ask him to check with the courts again to see if he can get through, and then ask him this question. Brat-what did you think of Shannon?? as I said before, I thought she was the woman that I had to talk to before, that was real nice. He seemed nice but seemed rushed. like before I could finish saying anything, he was cutting me off and saying 'uh huh' and then interrupt me.

shirley

Hey girl, i pm'd you.

Go for it, see if they are willing to cut a deal! Whats the worse they can say? No, then you just keep doing what your doing...on they other hand they may say yes, and you come out ahead.

Even though they have a judegement, they still can decide to settle for less than the amount on the order.

just make sure that if they accept an amount less than the judegment, that they agree in writing to file a notice of satisfaction of the judgement in the same court that issued it. If they agree, then make sure it is actually filed

Do a google search on these guys and looks for the "State of Tennessee" result and read that! Apparently these guys had the book thrown at them by a JUDGE in Memphis over collection practices. Might help you to contact said Judge. I am looking into this also because they are also sending me letters on a 7 year old debt that had a balance under $500 and I am disabled cannot work have nothing.havent worked in 6 years draw nothing either.The debt they show has been bought and sold many times now they have it. The balance is now over $1,726.00 Something wrong there!

can this finkel people actually take me to court over a debt that is that old and so many other collection agents had prior to them and amount just keeps going up? Also,I saw on my credit report that the "default date" was wrong as well. It was moved up some as well.

The FCRA law states that a debt that is 7 years old should be removed from your credit report automatically. You have to dispute with the CRA reporting it and request them to update your file.

If you are being contacted by some CA, ask them to validate the debt first and if they are able to give you the correct details, dispute on the expiry of the SOL and the 7 year mark. This account should be completely removed from your credit file.

thanks david for yur info. the CA sending the letter now is a law firm.(had other law firms try to collect before) this peticualr account was sold to capital one several years ago,the law firm who has this one now says they are collecting from the original company,providian) How is that? Capital One bought my providian accounts.They tried to collect and several more after. Now this finkelstein law firm has it and all I have read about them is bad! If a JUDGE throws the book at them that says alot. I also found last night where same law firm now uses another Tennessee court for same type of suites.They always ask for judgement and as usual no client ever appears.
I am not too concerned about it on one hand/havent worked,cannot work will never work again.Will be in a nursing home in a few short years.(Am single as well)I dont draw a penny from anyone.So my"credit" sort of doesnt matter. Cant get loans etc without money to back it. But should I ever marry wont that affect "our" credit? I know a judgement will stay on record for 10 years regardless of how it was granted. Is that correct?

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How exactly do you find out the date of last activity? On my experian credit report, there are several dates: Date opened, Reported Since, Date of Status, Last Reported...how do I know which one to go by to figure out the last activity? Some of these are medical bills which I have NEVER paid on, so the does that make the date of last activity the date that I was treated?? I'm confused...as usual.... :) Thanks guys!!!!!!!

~Mary

Since you never made any payment on your medical bills, date of last activity has not been individually categorized in your report. Otherwise, your credit report would have clearly mentioned when you last made the payment on this account.

Mary, it is very clear that your medical bills are past the SOL period. If you want to pay the account, make sure that you do it in one time without lingering them. Most of the time, people default in such occasions. And, if you want to pay the accounts, be sure that you pay them only who have your account details. Since this transaction took place long time back, it might be possible that it has been sold to some collection agency and the creditors might not accept any payments from you. So, be sure to pay that agency only that is entitled to receive payments from you for this account.

Thanks for your answers, John. If I was to decide to pay one, how would I find out who is the current agency with the account? Would it not automatically be the one listed on the credit report?

I will heed your advice here. I have a few small medical bills (under $100) that I would be able to pay with one payment, I just wanted to check here to see how the last date of activity was calculated before I make a move. Thanks again!!!!

~Mary :)

Or maybe I could log in when I want to post something. LOL!!

~Mary :)

Mary, you said in your earlier post that you never paid anything on this medical account. Thus, your account never showed any activity in the payment. Slowly, it went out the SOL period after 5 years. Thus, you are under no legal obligation to pay the debt.

Regarding which company needs to be paid for your accounts, you can pull your latest credit copy and look for the companies listed in it. Basically, most of the times, it depends on the reporting of the companies. It might be possible that your original creditor was having the account details in a period of time and hit your credit file accordingly. Later, it might have been sent to some collection agency that may or may not have hit your file. Based on the information in your file, you know that you will be paying to your creditor and approach them, but actually the account has been sent to a collection agency that didn't mark your accounts in collection. They can do that later also. But they should do with legitimate purpose only.

Credit report can give you the required information about contacting the companies but it will be more helpful if you can contact the places from where the bill originated. You will be sure of your accounts being with them and not sent to any other agency. After they have given you an itemized statement about your account, you can make payment arrangements with them. Let me know if there is any query here. I can come up with a better explanation. :D

I think you explained it quite nicely John, thanks! I do have a concern though, if I was to contact the place where the bill originally came from, will they be able to contact the collection agency and cause trouble for me, or do they not care anymore since it is with a collection agency now? Thanks again :)

~Mary

Hi Mary, if your billing company has hired the collection agency to collect the debt, they can keep in touch with them. But their contact should not be meant for disturbing you. They may keep in touch with each other for sharing your account information only.

If the debt has been sold, there are rare chances of a creditor keeping in touch with the collection agency. They don't have to share information about your accounts because the payments will be made only to the collection agency and the creditor won't have further details.

I see how it works now John, thanks! Man this place is awesome...so many answers!!!

~Mary :)

The address is 6440 Papermill Dr Knoxville TN 37919. Phone number 865/525-0238.

I was served papers for court from Finkestein, Kern, Steinberg & Cunningham regarding a credit card account with Providian Bank. I have never heard of these people and now I have an illegal judgement against me for something I have no knowlege about. To top it off, the papers I was served had one date and the courts had a seperate court date. The process server changed my court date and therefore I missed it. Now Ihave this judgement out there and I'm afraid they are going to garnish my check. What can I do about this illegal judgement? I was deceived regarding the court date.

How could you tell the server changed the date? (not doubting you). If the court changed the date, you would have had to have been notified. Consult with an attorney if you can. I would file a motion to dismiss the judgment on the ground of the server illegaly changing the date.

I am with Law Student on that one--as I have never heard of the process server and the courts having a different date. Sounds suspicious...

I have a credit card that has been turned over to a law firm in knoxville, TN. The total debt is 997.67. I made one payment so far on the 3rd of October. Now the Law Firm is trying to tell me if I don't pay 750.00 by the 24th of October that they are going to take a judgement out on me. I tried to offer them a settlement of 750.00 and they said they could'nt do that. Even if I don't send in the 750.00 and send half of that can they still take a judgement out on me even after accepting a payment from me already. Thanks

Did you enter into a settlement on the account? That's what it sounds like.

Taking a judgment out simply means that the attorney will file suit and get a judgment. As long as you pay something every month the judgment will never come into play. Once your account is paid in full the judgment will disappear. Let me know if you were able to make the payment or not Amber.

I've got a little experience with debts and Finkelstein, Kern, Steinberg & Cunningham if you or any one else has questions just let me know.

Their address is 6440 Papermill Dr., Knoxville, TN 37919 and their telephone # is 865-525-0238

Yeah they got me too. I am making my payments as agreed to and recieved a letter the other day saying that they took a judgement to the register of deeds to put a lien on any property that I own...but i don't own any so they are out of luck on that one.

How was the judgement obtained? Did you not appear in court? Does the lien cover "any" property that you own? Car, bank account, furniture? If so the bank account can be frozen and/or seized and sheriff can take all your belongings and sell it at a sheriff's sale.

A lien is on land or a house. Now if they levy that is your bank account, OR ANY account with your name attached.

how can they do this when i been making payments and i havent missed a payment.i got this letter from my bank and it says that the garnishment was served on my bank and it was refused me and my husband draws ss checks can they do this iv tried to call them but i cant do anything intill monday