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Mann Bracken: Is it difficult to deal with them?

Submitted by on Tue, 02/19/2008 - 16:06
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I am trying very hard to pay off all my credit card debts. I - being a total idiot went to a debt settlement company. They "suggested" that I not pay my bills, and that they had great relationship with creditors.... What a lie.

Anyway, I am now in a dmp. I'm trying to pay off all my loans 100%. However, Mann Bracken Llc. wants a lump sum payment. I do not have the funds to give them the payment. I offered to pay it off through the DMP program. No deal. They said they would continue with the arbitration and see me there.

Is there anything I can do? I tried calling Chase directly. They said I could only talk to Mann Bracken law firm is a collection agency which threatens to take you to arbitration. Read the discussion to know the way out. that they no longer had the account.

The lady on the phone was very nasty. She told me if it went to arbitration I could pay her attorney fees and court cost. All of this is true information. So not misrepresentation.

I think I may be stuck. But I have a budget, and I am trying to pay everyone. That leaves me very little wiggle room when it comes to something like this.

Suggestions would be greatly appreciated.

Thank you,

NewMMC


MBNA charged off my cc...then MannBracken (GA) started their stuff...then they sent it to arbitration...then sent that to a FIA cards services here in CA...who filed a civil case against me to "confirm arbitration" and now has a court date to get a judgment against me...what should I do?


Submitted by on Thu, 02/26/2009 - 11:03

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I too have been contacted by Mann Bracken. I tried to call Citi and they said it had been turned over to Mann Bracken so I would have to deal with them. They want over 2,000 dollars a month to try and settle this. I am a recently divorced single mom who has just got her career started. They have said all kinds of mean threatening things such as garnishing my wages. Can they do that? Should I send them what I can and see what happens? I live in Texas.


Submitted by on Tue, 03/03/2009 - 18:41

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Get a tape recorder and start taping those calls. They cannot garnish your wages in TX. The mere mention of wage garnishment is a violation of the FDCPA. Have they sent you anything in writing? Click on the link in my signature for the TX Finance Code. Also, get a copy of the FDCPA and read it a couple times, it will definately help you. Do not send them any money until they validate the debt. Be cautious, they will file suit. What county do you reside in?


Submitted by NASCAR_Devil on Tue, 03/03/2009 - 19:11

NASCAR_Devil

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I too just received a letter from them, stating they want their $ within 5 days of date on letter, which leaves me 2 days. Any suggestion on how to handle them. I'm in California.


Submitted by on Sat, 03/07/2009 - 22:29

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They'll settle Chase accounts @ 50% of balance. Everything else you can get even lower. The best time to settle is the last day of the month around noon. Here's the direct # (678) 801-2698


Submitted by on Sat, 03/07/2009 - 23:35

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I tried to settle my account and every time someone agreed to a settlement they were taken off the account and I was told that it had not been locked in and then they wanted more money. I sent them a 5100.00 payment in January and agreed to make monthly payments of 224.00 for six months and then pay a lump sum of 1500.00 after that. Last night I got a call asking for 415.00 to be paid immediatley as the attorneys where looking at my account and were not locking it in at what was agreed in January. HELP what can I do


Submitted by on Thu, 03/12/2009 - 05:39

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dp, you should have never paid them a dime! Don't pay them anything else until you have an agreement in writing! Hope you didn't pay them by personal check or debit card, if you did, close your bank account asap before they empty it.


Submitted by on Thu, 03/12/2009 - 12:41

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I have a judgement for money from April 2005 for $2800. this was filed by Sage Financial LTD, Attorney William Enerson. I contacted several people today to attempt to settle only to find out the account is now handled by Mann Bracken. The amount of money they now want is $4200, due to accrued interest from the original judment date. I refused to pay, they offered to settle at $3000. I refused to pay that as I would like to not pay over $1000. I do not recall this card or who it was origninallly with (was wild college kid, got a card, spent the money, never paid). Is there any loophole im missing here or way I can pay a one time settlement without going broke????


Submitted by on Fri, 03/13/2009 - 10:16

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Ok, I have worked with a debt management program, and it has helped. I hadn't heard from them in awhile as just about all my accounts are either paid off or written off, as far as I can tell. So then all of a sudden they contacted me regarding Mann Bracken. Get this - Mann Bracken keeps insisting that I justify my reason for not paying off the debt. I keep replying that they should send me something in writing to justify the debt as I do not recognize the account. They keep replying is my hardship financial or medical. WTF?? Hello, tell me what supposed account this is before you demand any information from me.

Of course I haven't heard from them, either in writing or by phone.

And check out their website (can't post the link though) - they make themselves sound so profesional, yet there are stories posted all over the Internet about how they really operate!!


Submitted by on Wed, 03/18/2009 - 08:52

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I am dealing with that firm. I have a loan that is 9000.00 and they took me to court and was awarded a judgement well I called them up to try and work some payment plan they gave me 3 options
1. pay in full
2. pay a certain amount and then make so many payment
3. make a certain payment a month and be paid off in 6 months
I could not afford what they were asking for so I told them that I would make 100.00 a month and he told me that they would not agree or disagree with that payment. My first time I sent it in they sent me a letter thanking me and a slip to make my next payment. Talk to them they will take whatever payment you can make.


Submitted by sandi2949 on Wed, 03/18/2009 - 10:06

sandi2949

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To the moron who said they can garnish your wages.. Get informed, the only people who can garnish wages is the government, period. These bottom feeding "law firms" will say anything, knowing that there you will be scared into paying because a lawyer is threatening you. Don't believe it.


Submitted by on Sun, 03/22/2009 - 09:06

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while i normally agree with anyone who uses the term bottomfeeder.if someone like the OC or a lawyer hired by the OC sues and wins then they can garnish.under your circumstance your right,but any OC can take someone to court,if they win then it is up to the judge.to say nobody can garnish but the government is wrong.


Submitted by paulmergel on Sun, 03/22/2009 - 13:37

paulmergel

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I got a good one! I was so stupid and put this 23 year old punk jointly on my credit card 2 years ago, he made all the charges of over $16,000, I was making the payments at first to save my credit. Now Mann Bracken sent me to Abritration and awarded Chase over $23,000. Now because I was married, even though my husbands name was not on the card, we live in California a community property state, I do not have an income, they are going to garnish my husbands wages at his job he has been at for 17 years and go after our business which is in his name and put a lien on our home. Does anyone know if it is too late to make payments? Mann Bracken told me today I have to pay the full amount plus arbritraion fees.


Submitted by on Mon, 03/23/2009 - 18:27

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What do I do now. They are harrassing me and said they will attatch my wages. Can they. I am in Calif. $7000.00 in debt and willing to make payments.but not as much as they want.


Submitted by on Mon, 03/23/2009 - 20:37

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Request VALIDATION, not "Verification". Verification means squat. Request Validation that you owe what they say you owe and demand they produce the contract/agreement with your signature on it saying you agreed to the terms of the loan. Most of the time, a collection agency will never be able to Validate that you owe.


Submitted by on Fri, 04/03/2009 - 16:59

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they are calling my 79 year old mother 4 to 5 times a day
she is very sick and this has made her worst


Submitted by on Tue, 04/07/2009 - 17:11

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I have been paying Mann Bracken and just received some junk mail saying I have a lawsuit against me. I looked up the case no and apparently I have a court date on June 1st. I don't understand how they can sue me when I'm paying them every month?


Submitted by on Fri, 04/10/2009 - 18:13

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did you get the payment agreement in writing?if so bring that and all receipts showing the payments.if not bring the receipts showing the payments.this is a bottomfeeder deluxe and this isn't the first time they did this.


Submitted by paulmergel on Fri, 04/10/2009 - 18:19

paulmergel

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The following letter is the first step in disentangling oneself from the clutches of this outfit.
The next step ??? if they are not thus dissuaded ??? will be to appeal to the victim???s State???s Attorney General office and the American Collectors Association and his or her local State Bar Association for instructions as to how to file, the proper forms to do so, and what other information is pertinent.



DATE

CERTIFIED - RETURN RECEIPT


Mann Bracken LLP
702 King Farm
Rock ville, Maryland 20850

To Whom It May Concern:

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 debt collection and any and all matters associated therewith.

If you fail to heed this notice, I will file a formal complaint against you with the Federal Trade Commission who is responsible for enforcement, the States Attorney General office and/or the American Collectors Association or local State Bar Association.
You are also notified that should any adverse information be placed against credit reports as a result of this notice that appropriate actions will be taken.
Give this very important matter the attention it deserves.
Sincerely,


Submitted by on Mon, 04/13/2009 - 15:44

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I'm a single mother of 3 who recently lost my job. I had a Discover card that I 've had for 4 years, always on time payments. Until now. Discover just informed me that Mann Bracken is now handling this. What happens when you just don't have the money to pay at all? I'm barley able to feed my kids now. What happens after they take you to court?


Submitted by on Mon, 04/13/2009 - 15:50

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A summons to court over a debt only means that you can show up and contest it or if you fail to show up then the judge will find it in favor of the debt collector, which simply means you owe the debt (which could include lawyers' fees, etc.) They would still have to go back to court and ask for a judgement, garnishment of wages, etc. If you do not or can not pay this debt in full then you should make sure you have no bank accounts (checking or savings) as they could freeze those. Write a letter and send it certified offering to pay whatever you can afford. When you go to court then you can show that you are willing to make payments. If the collection agency cashes your check, money order, etc. then that may be enough for the court to say they accepted your proposal. Bottom line is that they cannot put you in jail or anything like that, but they could garnish your wages and freeze your checking and savings. Of course you would have to have an account to begin with. I would suggest going to court and explain you are on a very fixed, and limited income, however you are willing to pay what you can, to eventually settle this debt.


Submitted by on Sun, 04/19/2009 - 17:04

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mann bracken filed a judgment and a lien on any property that i have, i live in california and the only thing that i have on my name is my car wich is paid off, they havent tried to take my car but im afraid they will some day. i already tried calling them to do a settlement but they refused they say that the only way they would remove the lien is to pay the whole thing plus the court fees. i can only make 55 to 60% of what is owed, since they keep refusing my offers, can anybody tell me if there is anything else i can do. or any loophole to use. i really dont want to go to bankrupcy for just $7000!


Submitted by on Thu, 04/23/2009 - 12:50

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I keep getting calls from Mann Bracken. I have not answered any of them to this date due to having caller ID. I presume it is about a student loan my son co-signed on. Should I talk to them or continue to let them call every day.


Submitted by on Thu, 04/23/2009 - 15:36

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I was trying to find information about Mann Bracken and found your message. I live in theh state of Florida, having the exact same situation you described. I have been paying them $100 per month for about 6 months. but now they wan to settle for an amount I don't have. I am going to find me a lawyer cuase i have no way of getting 2,900 all at once.


Submitted by on Sun, 04/26/2009 - 06:53

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said it before and will say it again.never ever pay anybody over the phone.never agree to or give bank information over the phone.this place is a humanoid haven.even if they get a court judgement more than likely it was from improper service or venue.again nothing in writing no deal.let them huff and puff.it is your right under the FDCPA to get it in writing.


Submitted by paulmergel on Sun, 04/26/2009 - 06:59

paulmergel

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no they would have to get a judgement to do that.check to see if that is the case.your court clerk will have that info.again.they would need a judgement to garnish.what state are you in?


Submitted by paulmergel on Sun, 04/26/2009 - 07:07

paulmergel

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Florida


Submitted by on Sun, 04/26/2009 - 07:10

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okay.just checking.again no they would need a judgement in court to granish.check your court clerk to make sure.wouldn't put anything past this lowlife CA.


Submitted by paulmergel on Sun, 04/26/2009 - 07:13

paulmergel

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GRACIAS ;-)


Submitted by on Sun, 04/26/2009 - 07:14

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I had to deal with Mann Bracken LLC in April-June 2007. I managed to get the Citibank Credit Cards paid off. The lady I dealt with was really a nice lady. I set up payment arrangements and it was paid in full...even though I got behind on other bills...but I did it to keep them off my back. I saw a news segment that is to be aired tomorrow April 28, 2009 about Mann Bracken LLC being viscious. After I paid them in full...they sent me a letter that I had paid in full and I have not heard from them again.


Submitted by on Mon, 04/27/2009 - 15:48

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1st, demand debt validation. Send it by regular and certified mail and fax.

2nd, if they send that, contact one of the attorneys there directly. A good one is Chris Diwan. Call 866 376 0410. Tell him if they don't give you a good settlement you will file a bar complaint.

3rd, read mannbrackenwatch.blogspot.com it will tell you the rest of what you need. Typically they will take 10% but you must deal with an attorney not a collections guy.


Submitted by on Thu, 04/30/2009 - 13:29

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NOW I JUST FOUND OUT I HAVE NO MONEY IN ANY OF ACCOUNTS.IT IS FROZEN OR GONE? HOW CAN THEY DO THAT?


Submitted by on Fri, 05/01/2009 - 22:12

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i have already received a summons to go to court mann bracken is sueing me about a credit card debt.I was told that I need to put in writing why I could not paid the debt. the person that delivered me the citation said this is what Ineed to do. then they will get with mannbrackenand to set a court day. how long can it be before they set a date to go to court


Submitted by on Mon, 05/04/2009 - 13:57

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a law officer served me with a i guess you call it a sommons it says STATEMENT OF CLAIM it says PLAINTIFF MIDLAND FUNDING LLC VS MIKE MYERS (ME) and it has Mann bracken llp attorneys at law I filed with the clerk a responce that i didn`t owe the amount they say i did on the paper it said claim denied my court date is 9 of next month what can i do . i called home depot who i had it to start with i told the guy i was disable and the reason i quiet was i was not able to pay anymore its been since 2007 he said don`t worry about it . what can i do? mike thanks.


Submitted by on Sat, 05/09/2009 - 09:23

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I have received an award letter from the National Arbitration
Forum. Mann Barcken, L.L.P was the attornery for Chase Bank. I live in Texas and will seek an attorney concerning the letter. Not sure of the outcome, but will update the information. 5-10-09


Submitted by on Sun, 05/10/2009 - 17:38

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I am working with a debt collection agency. I owed sallie mae over 800.00. We offered Mann Bracken a proposal of 40.00 a month. They never acknowledged our proposal or got back to the debt collection agency at all. After 10 months of me paying them 40.00 a month they called me for the first time and wanted to know who accepted my proposal. They had no records of anyone accepting my proposal and they were very adament to know who accepted my proposal. I told them I've been paying 40.00 a month and they've accepted it. She told me it's only because we've been getting checks from your debt collection agency. They said I still owed 500.00 and when could they expect that payment. I told them I could not give them more than 40.00 a month. They threatened to take me to court after asking me ''wasn't I served papers from the sheriff to go to court''. I told them no and she didn't believe me. Now they call my house EVERY single day. If I'm not home they leave message to call them. If I am home when I answer the phone no one says anything or there's music playing. This has been going on every day for one month now. I don't call them back like the message says when my machine picks up because the lady was really mean when I did call them back. She was asking me how many other companies I owe money to. How do I stop the phone calls. I would seem if they really wanted to get ahold of me when they call me and I answer they would talk to me or they would send something in the mail. They call twice a day EVERY day.


Submitted by on Sun, 05/17/2009 - 07:15

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They are real jerks. My boyfriend is dealing with them for a credit card debt. We went to the lawyers to file bankrupcy and our lawyer said they can't touch his money because he is total disable. So we told them and they said our lawyer doesn't know anything and they still keep calling.
I have had it with them they are rude they yell at us and are trying everything.
I went on the site and found all this stuff on them and I made copies and I am going to send them to them and tell them to read about themselfs. The are crooks and they will take you if they can. My advise is to file bankrupcy and be done with them.
These people are as low as they can go.
Lets stick together and get these low lifes done..


Submitted by on Thu, 05/21/2009 - 15:54

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I work for dsc and it's a hit and miss. We can not guarantee that an agency won't sue. We have clients that understand the system and those that don't that's usually who complains the most. The law firms will take you to court if they look at ur credit report, which is available to all this financial institutions, and they will see if you own property and also if your debt to income ratio makes sense. If it's worth it for them then they will be coming for you. I just settled a $26,000 chase acct for $10000. You just have to make sure you go to the right dsc.


Submitted by on Fri, 05/22/2009 - 14:54

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Here's the steps
1 arbritration non legal just some old retired judges and lawyers trying to make look legal
2 summons, they are tryin to set u up by not responding so they can get a default judgement, you loose
3 judgement they are trying to come to some sort of arrangment not bad considering that no more interest will be accrued
Possible judgements, frozen acct, lien on home or garnishment
Non garnishment states- Pa, TX, Fl, SC, NC, MA


Submitted by on Fri, 05/22/2009 - 15:08

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Stop talking to them on the phone for god sakes

whats wrong with you people

do everything in writing.

Write letters to the FTC and Attorney General.

WRITE LETTERS, certified mail

STOP TALKING ON THE PHONE WITH THESE people.


Submitted by on Sun, 05/24/2009 - 18:07

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mann bracken sent me a letter saying they have been authorize to discuss a settlement thats fair to both parties they said our client does not wish to cause me any unnecessary inconvenicence. I would be thankful for any help. mike


Submitted by on Wed, 06/03/2009 - 20:05

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