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Ok, got a phone call today....man, I cant WAIT to sue these morons!! A "Mrs. Jones" called for my wife, who was not available. So, I tell her I am the husband, how can I help you? She proceeds to tell me that my wife has had two complaints filed against her by their client Citibank, and that my wife is facing criminal charges for bank theft and intent to defraud a financial institution! Thank GOD I hit the record button.....hahaha Ok, first off, I dont even know about a citibank account, we havent gotten anything in the mail from them and this was the first contact.

I posted this in another forum and didn't get a response. So I'll post here as well. Has anyone heard of Phillip L Corbin & Associates? I received a letter from a creditor that stated they were requesting a payment history of mine. The creditor doesn't release that information without my approval. So they (creditor) notified me. I can't find anything on them.Anyone have information on who they are?

Thanks for the excellent post. I am not sure if advertising your business like that is allowed here although it was done in such a positive way!

...an overdrawn bank account? Would this be considered an open account, since no credit contract is used on a bank account?

The issue is incentive. Wrestling with debtors can often be a tiresome and tedious task for you. The headache and financial burden of collecting on defaulted bills can be avoided with an effective debt collection system. We provide the muscle behind your push for payment. The process that we employ not only allows us to prosecute almost any type of debt, but also places a calculated amount of pressure on the debtor, which provides the debtor with a fair incentive to pay you. Getting your due requires placing your debtor's back against the wall.

If you are in chexsystems and you need help finding a bank or credit union that will give you an account, please visit my site. -if you are looking for a local one in the state you live in -nationwide banks and credit unions that will open an account for you regardless of where you live -non chex money market and brokerage accounts -if you need help with chexsystems removal ( sample letters ) -if you want to make a complaint against the reporting bank ( info and sample letters )

Has anyone heard from her. She came and made a couple posts and vanished again. I am concerned. If you know anything and feel it is to personal to post publicly please PM me!

I had come across this when asked by another member of WN. I figured I would share it openly for those who wanted a more clear definition. The link to article and the chart is below. The statute of limitations (SOL) for a delinquent debt is the time limit for the creditor to file a lawsuit. This period starts when the debtor becomes delinquent.

Name Street Address City, ST ZIP (Sent via CERTIFIED RETURN MAIL #123 456 789 with RETURN RECEIPT) Date: XYZ Collection Agency/Law Firm 1234 Main Street, #100 Any town, USA 10021 Re: File #0000000 - ABC Bank - #4445566778899000 -For: $5555.55 Dear Debt Collector /Debt Collector Attorney: This will serve as your legal notice under provisions of federal law, the Fair Debt Collection Practices Act (fdcpa), to cease all communication with me in regard to the debt referenced above. If you fail to heed this notice, I will file a

The “Big Three” (CRA’s) defense strategy was criticized by Judge Posner of the 7th Circuit in the bedbug case as "investing in developing a reputation intended to deter plaintiffs", which was an important reason why in that case the 7th Circuit upheld $372,000 in punitive damages with only $10,000 in punitive damages (a 37-to-1 ratio). Consumers need to urge the courts to follow Judge Posner in deliberately recognizing that that is a game played by the CRAs [and most of their furnishers], and that an appropriate outcome of that game will be high punitive damages.