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Here's my tale of woe... Back in the day I had a lame boyfriend who didn't work. I ended up paying the rent three times on my Chase credit card before I dumped him and moved out of state. I didn't get a job or find a decent situation for quite some time and it went into collection and what not. Somehow a $2000 credit limit turned into a $3800 dollar bill. So now apparently an attorneys office has it. They told me I had to make 3 payments of 1200 immediately or they'd sue. I told them that was impossible and now based on some curse of luck I went to my fathers house and saw a letter from them containing a warrant of debt. The trial date is set for the end of july. I'm terrified. I've been paying the original creditor $25, 50 bucks every chance I get through bill pay and have yet for one to come back to me. Can this collector honestly win the full amount? I could pay the collector much larger sums of money now but it's like if they don't get their money in huge quantities right now.. then they're not willing to listen. What can I do? Should I talk to the collector again? I don't mind paying this at all! I just need like 6 months... although i hate the fact that over half of this debt is fees... please advise! Thank you!

What state do you live in?

When was the last time you paid on this account?

I can't find anything on the company you mentioned, it may be a fake.

Sub: #1 posted on Mon, 06/16/2008 - 06:08


3 weeks ago to the original creditor
This is the number he includes in his emails... Toll Free 866 540 4656.

He said my new total is $4230 with their fee added. This is ridiculous. Over 2000 dollars just in fees alone. I don't want to go to court, but this guy is really lame and not interested in anything else but getting his money.

Sub: #2 posted on Mon, 06/16/2008 - 07:19

Indebted Indebted

(Posts: 34 | Credits: )

I can't find a single thing on this company. You might want to call your secretary of state to see if they are a registered corporation.

I did call the number for you and it gives about 5 first names of people. I find it odd.

Please give me any information from the letter that you can, a first and last name an address anything. I will look for you.

Sub: #3 posted on Mon, 06/16/2008 - 16:53


OK the only thing I could find was a crapload of lawsuits in Virginia Providence Dane LLC attorney is David Ashe esq.

Sub: #4 posted on Mon, 06/16/2008 - 17:27


Contact Chase and make sure that they are receiving the payments. If they are then ask if they have hired the attorney.

Do you live with your father?
How did he get the letter?
Was his address ever your address?
Do you to live in the same court jurisdiction?
Did you check with the court to see if this was a VALID "warrant"? Generally a court date is set after you have been served a summons and had a chance to reply.

Sub: #5 posted on Mon, 06/16/2008 - 20:15


Yeah, I spoke to David Ashe via email. He seemed nice but when I told him I couldn't make 3 payments of 1200- he was like, well too bad.
I don't live with my father, but it was my address at one point. No, i'm no longer in that court jurisdiction, but it's not that far away. I checked the courts website, and my name is definitely on it. So i'm screwed. I'm not sure what to do! No, Chase sold off the debt to this gentlemen...

Sub: #6 posted on Tue, 06/17/2008 - 05:18

Indebted Indebted

(Posts: 34 | Credits: )

That's why it's best not to have anything (including assets) in your name. I don't own anything of any real value. They cannot take anything if you have nothing. Especially if you are not working. They cannot take anything from me, however, I would not want to deal with the collections attempts and court. Luckily, I owe nothing, except what I am making payments on.
When you got nothing, you got nothing to lose. (song lyric to some song)Like a Rolling Stone-Bob Dylan.

Sub: #7 posted on Tue, 06/17/2008 - 05:32

markofkane markofkane

(Posts: 182 | Credits: )

indebted,did you save that e-mail?that could serve you see if or when this goes to court bring all e-mails.i don't see how the judge won't let you set up payments with your emails asking for them.
chances are,the judge could set up a payment plan for less than the three at 1200.00.

Sub: #8 posted on Tue, 06/17/2008 - 05:55

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

I'd like to take care of this out of court, but at the same time it may be a benefit since fees on credit have become such an escalated issue. The judge may wipe some of it off. Do you think I should contact David Ashe and try to resolve this again?

Sub: #9 posted on Tue, 06/17/2008 - 06:00

Indebted Indebted

(Posts: 34 | Credits: )

can't hurt,just save the emails and inform him you are doing this.that might help him be more resonable.

Sub: #10 posted on Tue, 06/17/2008 - 06:01

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

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