Summons, help!!

LessIsMore~
I went to the website and that site is only for the Up North part of Michigan, far from me. I am more of Southeast MI, that's northern, but thank you so much anyhow!

Every one who has helped~
I FINALLY ( emphasizing the finally) received an email from the lawyer that I have been trying to get in contact with. He gave me his cell phone number so we can discuss my options. I was concerned about one thing, he broke down all the fees that I am going to have to pay back, but he also stated that I have to pay a 5.221% interest until the balance is paid in full, how can I ever pay it back if the interest just keeps tacking more on? Does that sound right at all?

Angel, that interest rate is really low so you will pay it off and you'll find it won't be that long. I would go ahead and try to settle it before your court date and he may drop the judgment against you.

Sue~
That is what the plan is. There isn't a court date set as of yet, and with us finally being able to communicate with each other, I am hoping that we can get this all squared away!! Thank goodness.

I had a credit card that had gone to a collection agency but when I requested that T&C include it with my other consolidated accounts the original creditor took it back and agreed to the proposal T&C sent them so POOF no more collection agency.

Thank you all so much for your help. I finally got in touch (on the phone!!) with the attorney last night, and he sounds like a real schmuck! But anyhow, he wants me to propose a payment agreement to him and email it and that should be settled out of court. The weird thing though, is that he wants all payments made out to him, should I make out any money orders to the money for which I owe?

Yes you should use money orders but make sure you keep the receipts from the money orders. I would not give him checks if it were me.

I am so greatful for all of your help. The lawyer and I worked out a payment arrangement that keeps me out of court and gets them their money. It may take a little while to pay it off, but atleast it's out of the legal system. Thank you all!!

Glad to hear your good news Angel!

LessIsMore~
Good luck with yours also. Though it sounds to me as if you are partially enjoying this!! ;) But all will work out in the end.!!

What is this, the year for summons?

I think so, but I didn't get the memo on it!! Hopefully you didn't get one too Tammy!

Yep I got one served on me on 5/01.

LessIsMore~
It's not too personal at all....
I took out a pdl with a local company in my area. I was unable to go back on the pay back date with the full amount because I was dropped down to part time at my office. They told me to just come in with what I could and we could make payment arrangements. In the mean time, they were sening mailings to the wrong address for me and they say, they couldn't reach me so they forwarded my account to their attorney. I talked with an employee there atleast once every two weeks to tell them the status of my payments. Then low and behold, I was served my summons.

Atleast it looks good on your part. You are doing everything as you had planned to do it!! I am sure it will work out!

LessIsMore,

I had HSBC in consolidation and they were being sent and accepting payments from T&C and cashing the checks. Then WHAMO, I got served a summons to appear for failure to pay. HSBC is claiming that they haven't recieved one payment from me. T&C got copies of the checks and sent them to the attorney representing HSBC as proof of payment sent and proof of them cashing the checks. They lied on their deposition to the attorney and I found out yesterday that if you do not work, HSBC puts a lein on anything you own til they are paid in full, regardless of whether you are making payments through credit counseling. My grandpa spoke to the attorney yesterday and paid the amount owed minus the payments that HSBC had recieved from T&C with the terms of the lein and court date would be withdrawn. The attorney stated that he would send me and him a letter stating that the lawsuit had been dropped and the lein has been removed. The attorney stated that it would report on the credit report as a paid judgement. I told the attorney that was not acceptable do to their was no court ordered judgement so he told me that it would be marked paid collections. I know that marking would hurt my credit, but at least I am rid of HSBC forever.

Nope they didn't report not one single payment, they posted charge off. Funny thing is though, our home is in my hubby's name only. How can they put a lein on something I am not listed on?

I don't know Tammy. I am not on our mortgage but I got included in the summons as "Jane Doe". I'm sure I will get a summons from HSBC/Beneficial down the road since I entered into debt settlement. I do work so they can garnish my wages I guess. We did make payment arrangments with our mortgage company so we don't have to go to court over that. That's a positive step. :P

From the way i understand, HSBC is filing lawsuits on anyone who is going through consolidation. In my case they weren't even posting the payments. Thank goodness T&C got copies of the payments and provided the proof that they were getting payments and cashing the checks. What a mess. I think this is the year for court summons.

Tammy that's interesting because we have 3 accounts in our T&C plan that are with HSBC and they are accepting payments. I think I need to check our statements and see what is going on. Did you ever get the letter from them that since you were going through debt counseling/consolidation that they were going to reduce your interest rate and stop charging late fees on your account? We have that on all 3 accounts? I think the total balance for all three is around $1000 but I think I'm going to check things out a little more, I don't need another summons...

I have not recived one statement since going into consolidation. Stupid on my part for not demanding the statements from HSBC. They were cashing mine, not posting the account and WHAMO there was the summons.

After hearing all these stories of payments not being posted to the accounts, how can I get a statement from my credit card companies? All my accounts are with collection agencies and I am paying what I can on them. I know what the starting balance is and I am tracking the payments myself and printing out the checks once they have been drawn against my checking account as proof of payment.

Have the online lenders been noted to do anything like this, i mean get judgments on people. Anyone know for sure?