Can a JDB do this?
Date: Thu, 05/13/2010 - 09:27
Yes they can. Just because they send you a summons doesn't mean
Yes they can. Just because they send you a summons doesn't mean interest and penalty charges stop accumulating.
Thanks for the reply! It's just so confusing. At one point the
Thanks for the reply! It's just so confusing. At one point the JDB has their address listed and it shows Arizona as their address and my account type as "collection". Then a few months later, same JDB has their address listed as New York and my account type as "open".
It really makes it hard on the consumer to figure out things. Wonder why they are listed in two different states and have my account listed in two different ways or does that even make a difference?
It's possible it's being handled by two different departments of
It's possible it's being handled by two different departments of the same company. My advice is to call them and find out what's going on, because they shouldn't be suing you and still list your account as "open".
you may also consider suing THEM for FCRA violations...those are
you may also consider suing THEM for FCRA violations...those are up to $1000 EACH. So, if they make one mistake on your credit report, that's $1000. If they make the same mistake on all three of your reports, its $3000......if they make the same mistake on all three reports, and they update it every month for a year, then that's $36,000 thay you can sue them for. Think about it.
Also, they cannot charge interest on any account unless the original contract states that interest will continue to accrue. They cannot make up their own terms, they are required to follow the contract terms on the debt until a judge says otherwise.
Also keep in mind that ANY fees and/or interest MUST be detailed
Also keep in mind that ANY fees and/or interest MUST be detailed in your contract/agreement and that is perfect grounds for you to demand proof. Is this the one that wouldn't allow you discovery? I'm still floored about that. What sky said is golden...if you have an older report that lists as collections and now the new one that lists as open...it would be hard for them to claim a bona fide error!
Yes, Golden - the same bunch! It really makes it confusing! An
Yes, Golden - the same bunch! It really makes it confusing! And since I don't know these people, it would be nice to see their contract/agreement! :D
Skydivr - what you say sounds great! You just let me know! ;)