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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




Important to know Mann Bracken is very much a Law firm!

Sub: #121 posted on Thu, 06/18/2009 - 13:14

Unregistered


so?if they practice collections they must obey the FDCPA.they are a class action suit waiting to happen.

Sub: #122 posted on Thu, 06/18/2009 - 13:40

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15512 | Credits: )

Not waiting - there are 2 already that I know of - "http://fivemilliondo ts.com/post/2009/05/26/Class-Action-Lawsuit-Against-..."
"http://f ivemilliondots.com/post/2009/03/18/Midland-Funding-LLC-and-Mann-..."

AND they had at least one last year, too!
"http://www.reuters.com/article/pressRelease/idUS242435+22- Apr-2008+PRN20..." (Interestingly enough, this one was filed by Hess Kennedy.)

The *hilarious* thing is that they are claiming they have negative assets!!!! Well if they acted like HUMANS perhaps they could turn a profit!!

That's not counting the 58 individual lawsuits against them for FDCPA violations so far this year (*86* since Jan 2007)!!!
"http://fivemilliondots.com /post/2009/06/18/Mann-Bracken-Named-Defendant-..."

Somebody remind me again - what good is the FTC? What the heck are they waiting for? Doomsday? 86?! And no FTC suit *YET*?! grrrrrrrr.............

"http://fivemilliondots.com/post/2009/06/18/Its-a-Shame-When-Consumer-L aw..."

Seems to be true.... Color me disgusted...

Sub: #123 posted on Fri, 06/19/2009 - 01:08

Chrys Henderson Chrys Henderson

(Posts: 2538 | Credits: )

I RECEIVED PAPER LAST NIGHT, I CALL THE TOLL FREE NO, 1-877-275-8878, THE NEXT DAY AND GOT A COLLECTION AGENTY, AND BOY DID SHE GET UGLY WITH ME, I THANK GOD THAT MY GRAND DAUGHTER WAS STANDIN IN THE ROOM, IT HELPED ME STAY CALM. THE LADY NAME IS OR SHE SAID THAT HER NAME IS SHUN MACBY, THE ONLY THING I WAS TRYING TO DO WAS TO GET THE COURT DATE CHANGED, SHE SAID THAT I COULDN'T I WANTED TO AKNW HOW OFTEN DO I GET PAID AND HOW MUCH CAN I PAY, SHE TOLD ME THAT THE LEAST I COULD PAY WAS 2,929.75. I TOLD HER THAT WAS NOT IN MY BUDGET, SHE GOT PERSONAL THEN. I TOLD HER AGAIN THAT I ONLY WANTED TO CHANG THE DATE, SHE ASKED WHY, I TOLD HER I WOULD BE ON VACATION, SHE GOT PERSONAL AGAIN, I TOLD HER THAT SHE DO NOT KNOW MY STORY ON HOW I WAS BLESSED WITH THIS TRIP. I LOOKED UP THIS MAN'S NAME ON THE WEB, AND FOUND OPUT ALL THE REMARKS AND COMMENTS, IT IS A RELIEF, AND I YET WANT TO GET RID OF THIS DEPTH BUT NOT THRU THEM,SOMEONE PLEASE REPLY!!

Sub: #124 posted on Tue, 06/23/2009 - 10:04

Unregistered


My husband has received a Notice of Intent to Sue from Mann Bracken recently this month. In this letter it says that if he wants to avoid the time and expense of litigation they invite him to call the office and that they hope he takes advantage of this opportunity to avoid the consequences of court proceedings. They also state that if he has an income tax refund, perhaps he can use the proceeds from that to pay the account.
A little back history here. We had a Jeep Liberty with only a year left to pay on it with Chrysler Financial. Because we were in danger of losing our house we decided to listen to a debt settlement company *(like idiots) and stop paying our credit card bills. (That was no good as we have already felt the intense strain of a $500 every two week garnishment on his paycheck a few months ago.) We also ended up being 3 months late on the vehicle. Feeling the pressure of needing to do something and feeling like we had no other options since we had already exhausted all the extensions Chrysler was willing to give to us, we followed the poor advice of someone we knew and returned the vehicle. (This was our most reliable vehicle) Many months later Chrysler sent us a notice that the vehicle was sold and we owed roughly about $5000 to them for the difference. We had planned to send them a little money every month until we could afford a higher payment amount, however we were never able to. We pretty much live paycheck to paycheck right now and our every day bills are finally getting paid on time. We try to skimp here and there on things but it doesn't always work since my business is an in home daycare. Our income is also unpredictable. We have no savings and I'm worried another garnishment will put my husband in the unemployment line with a sorry no help for you sir. Can anyone help us figure out what we can do with these people? In their letter they state that we owe $6194.15. We don't have that and I can't finagle any high amount out of our monthly budget to even come close to that. We already have two car payments now. One has about 18 months left on it and the other is a second chance auto loan which we need to keep because it's my husband's only reliable transportation to and from work. Please if anyone can help it would be great.

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Sub: #125 posted on Tue, 06/23/2009 - 21:19

Billysgirrrl Billysgirrrl

(Posts: 130 | Credits: )

Terry,

I hate to say it but that was a very poor move on your part. Stating that you are on vacation will make them slobber with joy and that statement will most likely be used against you in court.

You have to ask the COURT to get the court date changed (you can file for an extension).

(By the way, since it appears that you are new to the Internet, all caps is considered bad manners and the equivalent of getting in someone's face and shouting at them.)


Billysgirrrrl,

Quote:
we decided to listen to a debt settlement company *(like idiots) and stop paying our credit card bills
That does NOT make you an idiot, that shows that the debt settlement company you went with is a bottom feeder who engages in deceptive business practices, which is unfortunately (and disgustingly) common, which is why so many consumer advocates are up in arms about them. You should file a complaint against them with the FTC, and your State Attorney General.

And look into filing Chapter 13 Bankruptcy. Your situation sounds really bad and is likely to get worse.

Sub: #126 posted on Tue, 06/23/2009 - 22:42

Chrys Henderson Chrys Henderson

(Posts: 2538 | Credits: )

The only problem with filing for bankruptcy is that my husband has already filed and doesn't want to do it again. He seems to think that us struggling to somehow make it is much better than the "embarrassment" of going to court for bankruptcy. I'm not even sure that we would qualify. I'm going to try to contact an attorney today to see what our options are though.

Sub: #127 posted on Wed, 06/24/2009 - 04:40

Billysgirrrl Billysgirrrl

(Posts: 130 | Credits: )

That's a great idea.

Even if they take you to court, you have more power to negotiate an equitable payment arrangement that the creditor may have to accept, which will 1) save you from having a judgment, and 2) enable you to pay them at a rate you can afford. So another choice (admittedly a bit risky) is to tell them to go ahead and sue or leave you alone. See "Negotiating A Settlement Agreement in Court" in the following link:
"http://www.nedap.org/hot line/settle.html"

How much debt do you have? An attorney will likely also suggest bankruptcy depending on the amount. You are in a very bad financial situation and unless your finances get an injection of cash, you will continue to struggle and it will take a toll on you both. Squeezing out every last penny is very nerve racking.

Sub: #128 posted on Wed, 06/24/2009 - 05:10

Chrys Henderson Chrys Henderson

(Posts: 2538 | Credits: )

I'd say maybe we have less than $20,000 between the two of us. Generally the ones with the higher amounts are in his name, but we incurred them together. I can definitely say I had a hand in helping create the debt. I have this one credit card company who wants me to pay half the balance on the card and then they will open another card for me with the remaining balance on it so I can have a credit card. To be honest I don't want any more cards. I know that to reestablish our credit we will need one at some point but right now I just don't want it. I want to be able to sleep at night. Right now I can't.

Sub: #129 posted on Wed, 06/24/2009 - 05:40

Billysgirrrl Billysgirrrl

(Posts: 130 | Credits: )

First off I want to think everyones help for getting me through this ordeal. I showed up for court just before court a laywer from mann bracken talked to me he wanted to see if we could settle it out of court . I told him I was disable and only made $600 a month most of that went to my mortage . and that I had proof that I was disable also that my friends and reletives would help me with $300 if they would take it and close the case. he said since i couldn`t afford any payments and that he didn`t see how I was makeing it . he would tell the judge that he would dismiss it . he filled out a form put dismiss on it made me a copy of it and told me to go on home . a few days later I got a form filled out and docket saying it was dismissed. now if we can do something about our local goverment takeing away our rights saying what we can and can`t do on our own land that we own . thanks mike

Sub: #130 posted on Wed, 06/24/2009 - 13:41

Unregistered


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