Creditors Exchange claims to have a judgment against me – what to do?

Resurgent Capital Services LP. They said they hired this company which both are on in the same

Do I still send them both the letters when they have sold it to them?

Resurgent? Great!

They're part of the LVNV / Sherman family, and crooked as the day is long. I've dealt with them myself, as have many folks on this board. You definitely want to make them prove everything up front. Letter to them, too.

LVNV...the bottom feeders that feed on bottom feeders. DV both Resurgent and LVNV (they are in the same office complex). Is LVNV reporting on your CR's?

I live in South Dakota so I send them the one you said

Mailing them this morning withwhat a cert. note?

They said since I went on the website and said I would pay that is what I have to do. She is the one that said I had to set up payments online. No payment info was given was given ( checking or any other kind).

Certified Mail, Return Receipt Requested. If you aren't sure what forms you need, just go up to the Post Office window and tell them what you want. They'll give you the correct forms.

You'll get the green card [return receipt] back in the mail in a few days. Keep it in a safe place with a copy of the letter you sent. That's your proof, and you just may need it later.

Going know I will let you know what happens

[quote=sce86]They said since I went on the website and said I would pay that is what I have to do. She is the one that said I had to set up payments online. No payment info was given was given ( checking or any other kind).[/quote]


And stop dealing with them through any medium other than the mail. Send the letters, and we'll go from there. You're still entitled to validation before you pay them anything.

Thank you. I will come back and let you know:}

Creditor exchange keeps calling my neighbors to leave messages for me. My neighbors are elderly and I can't belive that this is legal.
Is it?

I received a call from creditors exchange today requesting 9500.00 or legal action and I need a valid mailing address to send a validation letter. Please help because the address I received was for Buffalo, Ny and I cannot validate it through the white pages

I set up payment thru Care one for my Bank of America card, which is a lawyer that gets paid first, and them my credit card. So when the Creditor Exchange guy called, he threatened me with court proceedings,(there are none) and now is calling my father in law (different phone number) also harrassing him. I told him what Care one said to say about to contact them for info on this account, but he will not listen and says he can no deal with them. Please tell me how to get him to quit calling and harrassing me at work and callling my realatives. Thanks

First of all NO one can collect on a debt until they prove to you, in writing (Original copy) that you owe the debt. You need to have them send you proof, othewwise quit talking to them. Secondly, if they are calling neighbors and such you can sue them for harassment! If they claim you owe yet are not willing to take some type of payment arrangement let them take you to court! My mother did this with a $10,000 credit card bill and the Judge threw it out becasue they could not provide original paperwork! Neeldess to say, they have left her alone ever since and the Judge said she missed her calling.

If they calim they are an Attorney you need to get their name and state they are registered with and if you can't find them with the local bar assoication you can sue them for falsificaiton. They CAN'T claim to be an Attorney and are not one, it is ilegal.

can third party creditors put a default judgment against you?

Not without going to court and you not showing up (to my knowledge)only way to get a default judgement is not showing up on your court date.

If they calim they are an Attorney you need to get their name and state they are registered with and if you can't find them with the local bar assoication you can sue them for falsificaiton. They CAN'T claim to be an Attorney and are not one, it is ilegal.

This is a good point so if you can get a recording of them threatening you as if they are a lawyer and you can prove otherwise that may make your case.

Cajun is correct. These guys are into scare tactics without any regard for telling the truth. Send in a letter requesting detail of the alleged charges.

from1995 i have no proof but i paid the creditors myself and the judgements still there can i do about it now to clear it up

i recieved a call from credit exchange they asked me what my case number was i told them and then they asked when i received the call and i told them this morning. i gave them my case number and they said are you in Minnesota and i said yes and they said your account is on hold disregard the call and i asked what it was for and he said i can't tell...what do i do now

I did have a surgery , this is more than a year, i was on deshability for all those times.But i was able to pay little bills and rent.i couldn't afford to make some payments on couple credit cards with high balances. Now iam out of deshability without jobs,and the creditors exchange called me and said they will report me to the county and i will face some big consequences and i will be arrested.Because they said i have been paying my rent and others bills. What should i do ? What is really their option if i can afford to pay those credit cards bill ?

Sue them for FDCPA violations, for telling you that you will be arrested, you can't be arrested for a debt!

If you tell them they do not have your promission to record your conversation
it is an illegal conversation.I seen 20/20 a few months ago how these collection agencies
work.Your credit card company clear the books so they gave to the to try to collect.They are rude terrible. Like I said it is a illegal and you can sew them

Sue them for [URL="http://www.debtconsolidationcare.com/fdcpa.html"]FDCPA[/URL] violations, for telling you that you will be arrested, you can't be arrested for a debt!


FALSE... THEY CAN REQUEST A BENCH WARRENT AND THE JUDGE CAN ISSUE IT BUT THEY HAVE TO PROUVE THAT THEY HAVE EXHAUSTED EVRY OPTION.


But yes you can sue for harrasment. By the fdc laws they CANNOT threaten you with legal actions. They can only inform you of what there next course of action will be. If they have no intention of doing such than it becomes harrasment. The best thing i can sudgest is get a digital recorder and start recording the conversations for proof for if they file on you or you sue them. I dont know if you have to inform them that you are recording but i would just in case if you do sue.

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Correct
But we all know thats not always the way it goes :)
Personal expiriance
I was never served. Had no prior knowledge of medical debt. (thought workmans comp paid the bill. it was related to inital injury.) I get pulled over for speeding (my fault obviously lol ) He informs me I have a warrent. Off to jail i go sat in another countys jail for a week (no idea yet what the warrent was for) waiting for shawnee county to come get me on the last day they have to hold me the sherrifs finally come. I get to shawnee county jail just to be informed that it was medical debt sign my name and go home. Now tell me that isnt some BS

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[QUOTE=mex_31;469199]Sue them for [URL="http://www.debtconsolidationcare.com/fdcpa.html"]FDCPA[/URL] violations, for telling you that you will be arrested, you can't be arrested for a debt!


FALSE... THEY CAN REQUEST A BENCH WARRENT AND THE JUDGE CAN ISSUE IT BUT THEY HAVE TO PROUVE THAT THEY HAVE EXHAUSTED EVRY OPTION.


But yes you can sue for harrasment. By the fdc laws they CANNOT threaten you with legal actions. They can only inform you of what there next course of action will be. If they have no intention of doing such than it becomes harrasment. The best thing i can sudgest is get a digital recorder and start recording the conversations for proof for if they file on you or you sue them. I dont know if you have to inform them that you are recording but i would just in case if you do sue.[/QUOTE]

mex, youre really beginning to make me believe that you either do not know at all what youre talking about, or that you are here to intentionally spread false information. Here, let me help you out, again.....

A BENCH WARRANT can ONLY be issued by a judge during a court proceeding. Why do you think its called a BENCH warrant, folks? because it is issued AT THE JUDGE'S BENCH. This happens when you are supposed to go to court and you do not appear. Normally, a bench warrant is not seen in civil cases, because the very nature of a civil case means that it is not a criminal matter. Typically, if you dont show up for court in a civil matter, the judge finds in favor of the other party instead of issuing a warrant for you. Keep this in mind, the only other way for an arrest warrant to be issued is for the police to get a judge to sign off on one. A BENCH warrant happens because the judge issues it, not because the debt collector gets one done.

One thing to really consider here though, mex, is in your posts. You ALWAYS talk of "personal experience".....let me share with you some of my personal experience. I began working in bail enforcement about 8 years ago. I went to college for criminal justice. And I have helped dozens of people on here and elsewhere to get out from under scavenger debt collectors and illegal debt collection tactics, including numerous court cases. And in all my "personal experience", too many coincidences add up to no coincidence at all. This is the second post from you I have seen just this morning that relates false info along with your "personal experience" to back it up. You claimed elsewhere that a clerk in your office filed a lawsuit against someone, and yet in order for you to work in the kind of office that would be involved in such things, you have incredibly horrible grammar and spelling. What, do you work in the mail room or something?

Bottom line, your "personal experiences" are false. The law simply does not agree with your "personal experiences". Unless, that is, you simply happen to have the repeated misfortune of living and working in a place that throws the law out the window every time you are "personally" involved.....

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what happens if you are on disabilty and these people start all this stuff can they garnish that?

Disability cannot be garnished, as far as I know, except in case like back child support, back taxes, or defaulted student loans.

Who hires this company? They called and left a message with me on my cell phone. I NEVER give out my cell number. They sound like the ghestapo. Are they a collection agency?

I talked to some guy bu the name of Faival Khan, I could not understand him either, then he connected me to some rude woman who thought she was really something. I have attained a lawyer and he said I was not to pay one dime. I haven't had a credit card for three years, so there is something not correct with this picture.
If the bill isn't yours don't pay it. He told me how low the crdit card company would go for me to pay off a bill that isn't mine and Ifound out that they would go much lower than what he said, and I'm going lower on what I pay because I didn't run up these charges. I cancelled that credit card 3 years ago. Somethings rotten in Denmark.

They pulled the same scam on me. However, can anyone out there tell me how to get them to stop calling me and harassing. I'm not working because I have been diagnosed with chronic pancreatitis and can't work, and this harassment is not helping me out at all. Thanks

no they cant it s a scam to scare u into paying they will keep calling alot so dont worry about it try to get harrassiment charges on them please do not give your info and your bank info