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Getting ready to go in front of the BK7 trustee when my attorney, the one I paid to protect me, said that you're abusing ccs and they will file charges against you. I started shaking... Is it normal? It looked like someone just took my money and smacked me across my face. For four months we were working with my case and never was anything like that said to me, or warning for the consequences which weren't true to begin with. :shock:

Is it legal for LVNV and the original creditor to show the same previously disputed info 3 times on each of the credit reports. (After disputing with the original creditor several years ago, they changed the account number of the account that had fraudulent activity, and now the 1 account is showing several times) any help is appreciated.

here's the deal: I had a default judgement renderred for currrent husbands premarital debt against me..got on this forum and was given awesome advice about vacating..went through the steps and when they failed i pushed further..eventually filed complaints w/ftc and my state ag..guess what? the attorney who wouldn't give me the time of day all of suddent decided it was in his best interests to motion to vacate the judgement in agreeance with my previously submitted motion!! Why the change of heart there bad debt collector?

can anyone explain to me what sol applies to a cc in ohio? I've read contradicting articles..6 or 15??? What about auto leases? UCC-4 yrs or orc wirtten contract 15? Is cc an open ended account and what sol applies...way too much conflicting info out there....

How do I deal with a CA (or litigation company - I'm not sure what they are?) that is giving me false info and never identified themselves as a CA? They first left a message on my mom's (we don't eve live in the same city) answering machine saying that there was a civil lawusuit against me for a credit card I had over 10 years ago. I had forgotten about it as I don't even remember if it was Visa or Mastercard. They left a phon number and case#. I called back later in the evening and provided the case # when I was then connected to a guy that verified my address, name, etc.

I work in a job that I go to our local courthouse often, I live in Texas and work in a county that is kinda small, we are about 2 hours away from DFW. Anyway, I looked up court cases on CACH vs. whoever and CACV vs. whoever. I found it interesting, that most cases that the defendent filed an answer to are just sitting there or have been dismissed, the cases where no answer was filed by the defendent was when CACH or CACV got there judgement.

i had several sallie mae ffel loans that showed late pays in couple of months they were always either put into deffer or forbear to bring current and i paid monthly payments when i could..but when i refinanced, these accounts stayed in the adverse section of my cr..so i disputed a few years later and they were moved to the satisfactory column..aren't they supposed to stay at adverse section for 7 years? what happened here?? the 7 yr mark wasn't up from the last late pay???

ok i have a cc that went into co status closed02..oc never sold account and assigned it to nco..interest accrual has legally doubled the amount due on card...i sent dv to collection agency and didn't recieve anything in response...does ca have to respond if they were only assigned the card? also are they bound by fdcpa? i never recieved any info pertaining to debt as a result of dv and oc updated the account on my cr..can they do that? is anyone bound to fdcra or fdca in this case?

i have had 3 medical collections disappear from my cr after i have paid and then disputed..why would they go away? are they allowed to post med collections legally??

that i need