Ever heard of "FREDERICK J hANNA AND ASSOCIATES ?

TiredofHanna - Yes, send a dispute letter to Hanna via certified mail requesting validaiton of the alleged debt. They will respond with a letter from their office stating the amounts they claim are due and the name of the original creditor (this is not a legal and proper validation). The validation should come from the original creditor to be valid, but Hanna doesn't care and thinks you'll be too scared to fight.

Send a cease and desist letter to Hanna. Hanna will file suit in under 30 days, but accept service, go to your court date and ask the Hanna lawyer to provide with evidence demonstrating you owe the debt. They will dismiss on the spot as they have no evidence and are hoping you just agree to make payments prior to trial so they don't have to prove anything (not that they could).

If a default judgement has been entered and you havent heard from them regarding a court date, what should you do? Can you still dispute the balance?

i would call your courts to see when the court date is.. do not depend on them for anything.
are you positive a default judgement was entered? i would check that with the courts, as well.

3 years ago I had 11 credit cards all in default. I have gone through very tough times but wanted to try and settle & pay my debts as opposed to filing bk. I've paid off 10 through a debt settlement company. I have one more bank of america account that is still with the debt settlement co (DSC), and the DSC is telling me that the account is now with Hanna. I'm wondering if I could still try to fight Hanna or if they would have a better case against me if they've already been in contact with my DSC? I would be willing to settle with them, but, like everyone else here, I would like to make it more difficult on them and make them prove it. thoughts?

Hannah made me a settlement offer. Claims they are representing Chase. they also sent a collections letter at about the same time.

We agreed to the settlement. They said they would send a settlement letter. Its been a week. They have yet to send a settlement letter. How do I get them to send the letter. They also checked my credit report on the same day they offered the settlement. I think these guys are trying ot screw me.

If I do not answer their collections letter withing 30 days, it says they can pursue me, or something like that.

How do you get this guy to send a settlement letter? I will not send them anything without that.

Personally, I do not make deals with the devil - namely Hanna. They would need to prove their case in a court of law (which never happens). I'd rather have a judgment after trial and make payments through the court than enter into any kind of agreement with Hanna.

I was served a summons yesterday by Hanna at a business that I own. They have my residence listed as my business address but anyway they are stating Capital One is the Plantiff. They stated that I could pay the total amount due within 10 days of being served which included interest, attorney's fees & court cost. They attached a customer agreement & wrote Cap 1 on it. This doe not have my signature or anything on it stating I owe this debt. Should I ask them to validate that I owe this amount? I have to answer the summons & I'm not sure what I need to do. Do I actually go to court alone (without an attorney) & see if they bring proof of this debt? Any help would be appreciated.

I was served a summons yesterday by Hanna at a business that I own. They have my residence listed as my business address but anyway they are stating Capital One is the Plantiff. They stated that I could pay the total amount due within 10 days of being served which included interest, attorney's fees & court cost. They attached a customer agreement & wrote Cap 1 on it. This doe not have my signature or anything on it stating I owe this debt. Should I ask them to validate that I owe this amount? I have to answer the summons & I'm not sure what I need to do. Do I ask them to validate prior to answering the summons? Do I actually go to court alone (without an attorney) & see if they bring proof of this debt? Any help would be appreciated.

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sorry but this is all new to me. What do you mean by validation during discovery. Do I deny everything with my answer to the summons? So, I send a certified letter to hannah requesting validation & also answer the summons with the court clerk & state in there that I'm requesting validation. Does this mean that I will be going to couirt regardless of them showing validation.

If I live in a state other than Georgia, How can Hanna sue me? Does he not have to have an attorney who is in the state that I am in?

Got a letter today that the case was referred to mediation. My belief is that there is nothing to mediate. I just want to see the darn judge. I have 180 days of discovery. I don't need that much time, nor do I want Hanna to be able to drag butt on this. They cannot validate this debt! What else is there to mediate????? In my motion of discovery do I just request validation of debt? I thought I would just get a court day after this. What a pain in the rear! I'm in school full time, unemployed, 2 kids, and a husband who is going to Iraq before the 180 days is up. I want these jerks to crawl back into the hole they came from. I think I may go cry now...

M

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I made a mistake, it was a 38% settlement, and that was after Chase had added about $2500 in fees $500 in fees and interest for the last 4 months. They had jacked the rate up to 30%, excuse me, 29.999999999999999999999999, and were adding late fees to it.

God Bless

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I, too, just received a letter from them telling me that they represent Discover Card and if I don't contact them to settle the debt, their "client" may consider additional remedies to recover the balance due.
So, I'm sending a certified letter requesting validation. From what I've read on here, it sounds like they'll still take me to court and I just need to keep asking for proof. I'm a stay-at-home mom with no income and no assets. What could they get even if they were to win a judgement?

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Hey Debtslave911, I was just served in Newton County by Dennis Henry with Fredrick J. Hanna & Assoc. I am doing my research now but would love to talk with you about your tactics in court and beating these low lifes. Hope you are still checking this site.

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I recieved a collecton letter from F.J. Hanna called them, and they were very nasy what should be my first line of defense with these guy's?

How long ago did you get the letter? Do you know what it is for and the last time a payment was made? Also what state are you in?

First thing to do is send a debt validation letter if this is the first contact by them. They have to give you 30 days to dispute the debt which you can find a sample Debt validation letter on this site or anywhere on the internet. Send it certified mail return receipt requested.

The next thing you need to do is then figure out what it was for and see if the statute of limitations has passed or not. you can do this by remembering what it was for or looking at your credit reports. The only true free credit reports is at https://www.annualcreditreport.com/cra/index.jsp do not look at all 3 reports at once select one at a time.

I also received the letter from Hanna and am in process of writing a demand letter of validation. After reading replies here, should I also demand a copy of the original credit card contract with my signature now or should I wait til the court date?

I also received the letter from Hanna and am about to write the demand letter of validation. Should I also request a copy of original contract or should I wait til the court date?

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Thank you, pokertramp, for your reply. No, I have not been sued yet, but I want to prepare for the worst.

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My best friend was recently served (Fulton County - Magistrate Court) by Hanna and Associates on an old Chae account. Still within the SOL (6 years in GA). I referred him to my Attorney who reviewed the documentation and took his case on a contignency fee basis. The attorney fired back a 12 page answer/affirmative actions/counterclaims to Hanna and ate their lunch for them. Now waiting to see where it goes from here. Likely to get dismissed with prejudice and the attorney will get moolah from Hanna on the counterclaims.

Ok So this messs has been going on with the "law" office of Frederick J. Hana for quite a while. I had forgotten that I even receieved a summons letter...March of 2009. Reccently they have sent a letter w/ my employers info and threatned garnishment. It has the cost of the the amount claimed 2,000 and cost of action of 110. My orig debt was with a credit card company. Since i had forgoteen about the summons and questioned it since it had no orig signatures or dates of any court case...Basically what do I need to do now? I know I have to go to the courthouse and see what's up but now that it's the weekend I'll have to wait. Any suggestions or anything? I refuse to pay a dime to their officies but I will pay if orded by judge to whoever it goes to....please help someone (sorry if i was ramabling)

I received a summons from Hanna on Feb 9 and I have 2 days left to file my answer. I am going to deny the claim, but what should my reason state? Thanks for your help.

I was served by the Sheriff here in Paulding County just before Christmas. I answered 3 days later to F.J. Hanna and the Paulding Courthouse. I'd asked for debt validation over a year before to Midland Funding (F.J.H. says they represent them) and never got anything back. It was forgotten until the papers were served. In my answer I included the original request for validation. I received a letter from the court that stated that it was being put into mandatory mediation and I'd hear back about that (I haven't yet). I then received a form letter from F.J.H saying they were willing to work out a payment plan, I ignored it. I then received requests for Admissions, Documents, and Interrogatories which I answered by denying everything and requesting my own discovery (basically everything I'd requested on my Validation Request). I sent all my papers Certified Mail. I've not heard back yet and I'm pretty confident that have NOTHING to back up the claims they're making. They haven't mailed me ANYTHING about the alleged account yet. No card agreement, no signed affidavit, nothing! I contacted the credit bureaus and the original creditor isn't listed on my credit report but Midland Funding is. I believe this alleged debt has been sold a few times, every time I fight back it moves on to some one else. It's getting close to the SOL based on the date listed on the Credit Report (which is based on bogus information). I don't remember any thing about this account and refuse to pay based on so little information.
Am I doing everything okay? What are your thoughts? What else should I be doing?

Thanks for any help.

I was served by the Sheriff here in Paulding County just before Christmas. I answered 3 days later to F.J. Hanna and the Paulding Courthouse. I'd asked for debt validation over a year before to Midland Funding (F.J.H. says they represent them) and never got anything back. It was forgotten until the papers were served. In my answer I included the original request for validation. I received a letter from the court that stated that it was being put into mandatory mediation and I'd hear back about that (I haven't yet). I then received a form letter from F.J.H saying they were willing to work out a payment plan, I ignored it. I then received requests for Admissions, Documents, and Interrogatories which I answered by denying everything and requesting my own discovery (basically everything I'd requested on my Validation Request). I sent all my papers Certified Mail. I've not heard back yet and I'm pretty confident that have NOTHING to back up the claims they're making. They haven't mailed me ANYTHING about the alleged account yet. No card agreement, no signed affidavit, nothing! I contacted the credit bureaus and the original creditor isn't listed on my credit report but Midland Funding is. I believe this alleged debt has been sold a few times, every time I fight back it moves on to some one else. It's getting close to the SOL based on the date listed on the Credit Report (which is based on bogus information). I don't remember any thing about this account and refuse to pay based on so little information.
Am I doing everything okay? What are your thoughts? What else should I be doing?

Thanks for any help.

Sounds like you are doing everything right....you cannot go by the date of a debt collector on your credit report.....they will put the day opened by the date they got the account...If the creditor is not on there, there could be a chance this is way pass the 7.6 reporting period.

Unless you know for sure, you need to question the SOL. This could be time barred already without you knowing.

I was just served a summons by Freddie Kruger, I mean Hanna. It was interesting to see that the Plantiff is Bank of America. When I tried to settle with BOA some months back, they told me the account was charged off and sold to a 3rd party. They gave me a number to call to find out who they sold to but I have not yet called.

My question is:
Is FJH mis-representing themselves? Do they really represent Bank of America or themselves? Can they use BOA's name when they are the ones to collect? When BOA sells off bad debt, that's considered a loss to them, they also do not try to collect anymore. So how can FJH sue in BOA's name? And I thought I read that FJH lost the BOA account. Can anyone verify that?

So, I shall demand evidence proving I owe this debt (show me the signatures homie!) But if they DO have it, WTF then? I guess we'll start negotiating. But what if I can get some kind of phone recording or letter from BOA that shows they sold the debt to FJH? Will that put them in any trouble?

Anyway - thanks to everyone on here who contributed to this subject. And congrats to those who got their cases dismissed.

They have never provided me any info proving anything about this debt. Just an account number and an amount.

I got a letter in the mail about a month ago claiming that they were going to garnish my wages and havent heard anything since. I was pulling up my checks from work today and saw that they have been garnishing my wages for at least 2 months now!!! Can they do that?!?!? What can I do to stop this?!?!

I was served a summons today after having requested validation of debt twice in the last 45 days. Went down to the courhouse and they handed me a pencil!!!??? and piece of paper to write down why I felt I didn't owe the debt. I'll definetely need to follow up on the status as I wasn't given any type of receipt when I left the Court House. I hope the Hannah lawyer enjoys his 5 hour field trip to South GA.

Contact a consumer lawyer. If you are in Georgia, try Skaar & Feagle, Tom Stubbs, Joe Redd, or Armor Law. I think they all do debt collection defense and don't charge for initial consultations.

I was served by a county sheriff in Georgia about 3 months ago by Fred J. Hanna and associates representing Credit One Bank. My case was dismissed without prejudice because Hanna thought that I was protected under bankruptcy during the debt with Credit One. (They did not have the correct account dates for this account.) I told them that I requested debt validation through a certified letter prior to the court date. The attorney said that he did not have to provide it since the 30 days to acknowledge the debt had passed. I told them I never got a letter from them before- just an immediate summons. He didn't have an answer for that. He said that they don't certify notices.
Anyways, I thought that it was all done until today. I got another summons from them by Capital One. They must have double checked the account information date on my credit report and realized that the bankruptcy date was before the loan. Can they summon me to court without prior notice so that I can't ask for debt validation from them? What is discovery done?

Capital One charged off my account in May of 08. July of 08 I get a letter from Frederick J. Hanna. Then I get a served May 09 by the local sheriffs department. Can they sue if it is a charged off account? It is charged of by Capital One on my credit report.

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I got a summons in December from Hanna. I called them a couple times to try to settle it. I didn't want to go to court. Jeebus. I wish I had read these before! They told me my only option was to pay half of my debt to them upfront and the other half in a month. Hmm. Not possible. I got a letter in the mail yesterday with my employer's name and address on it saying they were going to start garnishing my wages. It just said it was filed in Bibb County and that they were going to hold all money belonging/owed to me until my debt was paid off. There was no date on the letter. No signature from a judge or clerk or anything. It wasn't even on legal-looking paper. Can they do that? Send me a random letter about garnishing my wages without saying anything else?

Frederick J. Hanna runs a "religious" group with ties to Benny Hinn, Joel Osteen and Paul Crouch:


http://frederickjhannawatch.blogspot.com/2010/05/frederick-j-hanna-evangelical-debt.html

Theft, in the Name of God

I need help wording a demand letter for validation. Could someone help.

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How did you find out Capital one had not hired them. I have just paid them 2800 dollars like an idiot and I am not sure if Capital One even turned it over to them.

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I am suppose to send them 21000 dollars to settle with bank of america, do you know if this is right

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