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Here's a new one to watch out for, especially in Florida, that I reported to Budd Hibbs. Bottom feeders who go for the jugular (judgments). They are in Tampa and represent such esteemed "clients" like lvnv funding llc and CACV/CACH. They love serving papers and trying to force you into "stipulation agreements", then wait till you miss a payment and grab an instant judgment. They won't respond to DV letters. Send a DV letter and they send a summons requesting a pre-trial "mediation", probably hoping you won't show up.

I was served with papers to appear in court for a debt that is 6 years old. Do I really have to attend? I asked for debt validation and never received it , the court date is NEXT WEEK!!!!!! and I need to know what to do.
Please help

Sub: #21 posted on Fri, 11/21/2008 - 13:48


When were you served? Check with the county clerk to make sure the summons was real, if so, make sure you appear in court to prevent a default judgement being entered against you. What state do you live in? Maybe this debt is beyond the SOL.

Sub: #22 posted on Sat, 11/22/2008 - 02:01


I have been dealing with these bottom feeders since last April. I requested a DV and never got it. I received a recent letter stating they were now requesting a summary judgement. Today I submitted another request for a DV and one to the court, the court clerk told me the hearing was this Thursday. I told them I was never served or notified. The clerk told me M & A sent a letter regular mail. I never got it. How can they do this? I don't even have time to meet with a lawyer.

Sub: #23 posted on Mon, 01/05/2009 - 18:59


Alincoln, why don't you give everyone a job since you're so d@mned smart?

Sub: #24 posted on Fri, 02/13/2009 - 01:05


Amen to that A Lincoln. Your right on target. Unfortunately, howevever, is that when Marcadis is paid it doesn't go back to the credit card company it goes to LVNV Funding. They bought the note for pennies and if they collect are nicely rewawded. (Talk about unjust enrichment).
The credit card company calls it "cost of doing business" and we still get to pay obscene rates of interest.
Perhaps better screening would be in order here.
A law suit is meant to make a party whole again.
The credit card companies, nor it's customer's are mad whole by Marcadis.

Sub: #25 posted on Fri, 02/13/2009 - 18:40


MARCADIS & ASSOCIATES, P.A. aka FINANCIAL PORTFOLIOS,II,INC. Assignees menaing bought your charged off account for pennies on the dollar.these scum bags have been hassing me for for over a year now,with no let up in sight.they are now subpoenaing me for a deposition of my assets, which I have none have been unemployed for years now with a terminal illness and waiting on SS so the only thing I can think of they are going to try to take my car,which without my car I wont be able to get to DR. visits or out patient surgery to keep me alive.So to make a long story short they win my transportation and they just sentenced me to death,for what and outstanding debt/default judgment. and if you noticed they insulate themselfs from lawsuit my INCing themselfs.these are just what shalespear was referring to when he said when the locus are through feeding on everything around them they will then feed on the attorneys that are left.God has a special place in HELL just for them.....

Sub: #26 posted on Sat, 02/21/2009 - 06:58


If you have we served less than 10 days ago send by certified mail a request for debt validation,and and while you are at it send one to chase also. put a reply up here with your email address, I will be glad to send you what I used to ask for debt verifcation. matter a fact some where on this site they have sample letters

Sub: #27 posted on Sat, 02/21/2009 - 11:17


I am now dealing with this company. They submitted a judgment and we never appeared in court. We were never served papers to appear in court. So because of that, the judge ordered a default final judgment (to recover funds via goods and property) back in August. We never heard from M&A since then until last week. M&A put a levy on our truck and had it towed away in lieu of this bill. It originally was a MasterCard credit card and the final balance before it was sold to Atlantic Credit was $1400. Now they tell us that we have to pay $4600 to get the truck back. The papers that were served to us when the truck was towed only tally up to $2600. Can they levy a truck for a bad credit card debt?

Sub: #28 posted on Mon, 02/23/2009 - 09:44


Cammie, check with the county clerk to see where and when you were supposedly served. Ask the court to vacate the judgement since you weren't served properly, then ask that your truck be returned.

Sub: #29 posted on Tue, 02/24/2009 - 00:43


If you are served with papers to go to court,should the papers be signed by you or someone at your home.confused in Florida. It seems like Marcadis & Assoc take advantage of the fact that we, (the public) do really understand our rights.

Sub: #30 posted on Tue, 02/24/2009 - 13:18


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