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Mann Bracken: Is it difficult to deal with them?

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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




Excellent. So what help do you need?

Sub: #101 posted on Thu, 06/04/2009 - 02:25

Chrys Henderson Chrys Henderson

(Posts: 2538 | Credits: )

I have a court date on the 10th, for Mann Bracken for a 4700 discover bill, my question is, will they show up and if so what do I need to say, bring etc... I am contemplating bankruptcy but I will need to save what little money I have for that. Any suggestions

Sub: #102 posted on Thu, 06/04/2009 - 08:09

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do i need to call them and tell them I can borrow $200 or maybe $300 and let it be pay off . I don`t much on ssi and ss. thanks

Sub: #103 posted on Thu, 06/04/2009 - 10:59

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Do not pay Mann Bracken anything without calling a lawyer first! There are things a lawyer will tell you that Mann Bracken does not want you to know. You may contact consumer attorney,solicitation not allowed - Jason, for a free consultation.

Sub: #104 posted on Thu, 06/04/2009 - 15:20

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As long as you get it on paper before you pay a dime you should be ok.

Sub: #105 posted on Fri, 06/05/2009 - 20:57

Chrys Henderson Chrys Henderson

(Posts: 2538 | Credits: )

So here's my question. I received a notice from mann bracken llp (is this the same as mb llc?) Stating an intent to sue. I would like to send a letter requesting validation of the debt, am I too late to do this? I tried sending them a fax twice today, the phone number must not have been valid as it never answered. So I am going to send a certified letter. I am able to pay my debt, but am terrified of agreeing to any arrangements after reading some of the posts on here ad other sites. What should I do?

Sub: #106 posted on Fri, 06/05/2009 - 21:17

dragonflyy419 dragonflyy419

(Posts: 3 | Credits: )

There's no need to be terrified. Just get everything in writing.

Sub: #107 posted on Fri, 06/05/2009 - 21:25

Chrys Henderson Chrys Henderson

(Posts: 2538 | Credits: )

Letters and phone calls threatening to sue might be considered harassment. Excessive phone calls can also be considered harrassment. Start off by sending them a "Cease and Desist all Phone Calls" letter and state yopur phone number. The the calls continue, give then and second, thirs and even fourth notice to "Cease and Desist all calls. I belive it is against the law to claim you owe money when you do not, it might be a felony so have them validate the debt. Send a letter saying you only want to communicate via ground mail and that you want them to validate the debt. Some agencies send out mass mail and they might not even have a right to collect on the debt. You can tell them that if they continue to bother you, you will contact the FTC. You also have a right to ask a caller there first and last name, if they refuse to say, tell them you want to know who is calling because it is your right to know and that way you can report them to the FTC, Police etc. Once you give notice for them not to call, they are breaking the law if they do so you ned to know there first and last name.

If they sue you, file for bankruptct !!! There are online companies that offer credit counseling, this is required before you file for bankruptcy.

Good Luck to all and protect yourself with these tips!!

Sub: #108 posted on Sat, 06/06/2009 - 11:48

Unregistered


Letters and phone calls threatening to sue might be considered harassment. Excessive phone calls can also be considered harrassment. Start off by sending them a "Cease and Desist all Phone Calls" letter and state yopur phone number. The the calls continue, give then and second, thirs and even fourth notice to "Cease and Desist all calls. I belive it is against the law to claim you owe money when you do not, it might be a felony so have them validate the debt. Send a letter saying you only want to communicate via ground mail and that you want them to validate the debt. Some agencies send out mass mail and they might not even have a right to collect on the debt. You can tell them that if they continue to bother you, you will contact the FTC. You also have a right to ask a caller there first and last name, if they refuse to say, tell them you want to know who is calling because it is your right to know and that way you can report them to the FTC, Police etc. Once you give notice for them not to call, they are breaking the law if they do so you ned to know there first and last name.

If they sue you, file for bankruptct !!! There are online companies that offer credit counseling, this is required before you file for bankruptcy.

Also, is they threaten to sue, look up the attorneys name on your State Bar Association website. They offer a search option to look up Attorneys licensed to practice law in your state. Verify that person has a license to practice law in your state.

Good Luck to all and protect yourself with these tips!!

Sub: #109 posted on Sat, 06/06/2009 - 11:51

Unregistered


Letters and phone calls threatening to sue might be considered harassment. Excessive phone calls can also be considered harrassment. Start off by sending them a "Cease and Desist all Phone Calls" letter and state your phone number. The the calls continue, give then and second, third and even fourth notice to "Cease and Desist all calls. This will help you gain proof they they are harassing you. Send your letters certified or get a proof of mailing (about $1.00). I belive it is against the law for them to claim you owe money when you do not, it might be a felony in some states, so have them validate the debt. Send a letter saying you only want to communicate via ground mail and that you want them to validate the debt. This will buy you time in most cases. Some Collection agencies send out mass mail and they might not even have a right to collect on your debt. You can tell them that if they continue to bother you via phone, you will contact the FTC. I believe you also have a right to ask a caller/Collector there first and last name, if they refuse to say, tell them you want to know who is calling because it is your right to know and that way you can report them to the FTC, Police etc, if they are violating the law. Once you give notice for them not to call, they are breaking the law if they do so. So keep your notices for them not to call, the first, second, third one, etc.

If they sue you, file for bankruptct !!! There are online companies that offer credit counseling, this is required before you file for bankruptcy. I found one for $100.00

If they sue, look up the attorney name on your State Bar Association website. They offer a search option to look up Attorneys licensed to practice law in your state. Verify that person has a license to practice law in your state but the other tips should prevent this. Especially if you tell them to validate the debt and they fail to. If they sue and you do not owe the debt speciafically to them, they are very likely violating the law and it might be considered a felony, so have them validate the debt first.

Good Luck to all and protect yourself with these tips!!

Sub: #110 posted on Sat, 06/06/2009 - 11:59

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