Debtconsolidationcare.com - the USA consumer forum

Forums
  • Latest topic

Frederick J Hanna

Date: Tue, 08/09/2011 - 19:19

Submitted by mistyw461
on Tue, 08/09/2011 - 19:19

Posts: 3 Credits: [Donate]

Total Replies: 5


I was served civil papers today for an account that was placed with Frederick J Hanna and associates. I am in GA. I originally received a letter on 05/18/2011 stating they were representing Equable Ascent Financial LLC assignee of HSBC Bank of Nevada. I had always paid my bills on time but my wife was out of work and I am on 16 hour furloughs so things have not went well. I have settled several of my outstanding debts. To be honest, I am not sure if this is Best Buy or Rooms to Go.
I called on the phone and tried to settle with them. They wanted over $2000 all at once. I tried to make payment arrangements with them and they would not accept so that was the end of that. I told them I would need the debt validated. I sent a letter within the 30 day window. I in return received a letter back stating my balance and wen my last payment was. I don't think that is a true validation. Now today, I received a summons. I am nervous a bit about this. I am in law enforcement myself so my job could be in jeopardy. I know I need to answer the summons. Any advise on how to proceed? Should I answer the summons and send a settlement offer of 25% -- I could do that amount immediately. Or should I take it to court? I hate it has came to this. We went through all of our savings keeping our bills current and finally after a year of this, we could no do it any longer. We have made an honest effort to settle but these guys are horrible.


Check out the county court website to know about the civil procedures. You can get information regarding how you should answer the summons. Give a reply to the summons and then make a settlement offer to the plaintiff. Do you honestly think that they will accept 25% settlement offer. I have doubts.

Increase the settlement offer little bit. Try to settle the account out of court. Give your best shot. All the best!


lrhall41

Submitted by prompet on Wed, 08/10/2011 - 03:15

( Posts: 21 | Credits: )


Not sure of my "guy" over at Hanna's office can help, but I'd be more than happy to find out. I know Equable limits their collectors on what can be accepted as settlement, but I can check this out for you.

I'll need additional information, so if you can PM me I can see what I can do for you. As stated previously, you'll want to file an answer. And, I'm not currently reading your original post, but it seems as though what you stated was received as validation isn't what I would consider sufficient. But, if you're willing to simply get the account resolved, I'll see what I can do as a courtesy to you.

Again, PM me with some additional information so that I can do what I can. For anyone who believes I'm soliciting business, I'm doing this as a courtesy, and not bringing this person on as a client - just putting him in touch with the right individual.


lrhall41

Submitted by mariemegge on Wed, 08/10/2011 - 09:24

( Posts: 168 | Credits: )


Thanks for the information. I am working on answering the summons now. Does anyone know if a letter simply stating the amount owed and the last payment is sufficient for debt validation? It seems it is not.
The guy I talked to on the phone stated they could only take 50% settlement in one payment or 75% in 2 payments. Neither one is truly feasible. Thanks for all the advise. I do appreciate it! I read where some people have had success taking this to court but that is a last resort. I would like to pay what I have the ability to pay right now! Plus just got hit with more furlough hours and increased medical costs!


lrhall41

Submitted by mistyw461 on Tue, 08/16/2011 - 19:30

( Posts: 3 | Credits: )