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being sued

Date: Tue, 07/20/2010 - 17:19

Submitted by anonymous
on Tue, 07/20/2010 - 17:19

Posts: 202330 Credits: [Donate]

Total Replies: 9


I'm being sued by an attorney for a credit card company. I have received some validation(bills from the time I had to stop paying to current and a letter signed by me notifying the creditor that I was using a debt settlement agency), however, no copy of the original signed credit card application. It also took the lawyer more than six weeks to validate the debt.
Do I have a chance in court or do I contact the creditor or the lawyer and try to settle. My situation has actually deteriorated since dealing with the creditor over a year ago and I have no reserve funds to make a lump settlement.


Quote:

Originally Posted by SOAPLADY
Who is the creditor?

US Bank


lrhall41

Submitted by on Tue, 07/20/2010 - 17:34

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If the credit card was issued through US Bank and they are the party suing you then I would say they have real good odds of winning a judgment if it goes to court. You might consider trying to settle with them either via a set payment over time or a lump sum payment. If they sue then it will probably result in the same outcome forced by a judge.


lrhall41

Submitted by DOLLARSandSINCE on Wed, 07/21/2010 - 13:18

( Posts: 1078 | Credits: )


In the same boat, however, no longer live at this address. Fair credit law, and the Minnesota fair credit law. Doesn't give them the right to contact my parents. If I don't live there, and they are going to report these people to the attorney general office to make the stop.

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"http://credit.about.com/od/debtcollection/a/collectionlaw.htm"

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lrhall41

Submitted by on Fri, 02/11/2011 - 19:10

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I am in the same boat. Don't have a perment place to live. Just keep trying to find a full time job,with bad credit equal no job. Will be living in Florida soon. If they want to serve me, they better go to this state. If you win a judgment against me without serving me. I can have it removed.
The creditors have broken some of the fair credit laws. My parents have recorded every message they have left on their answering machine.When they told them I know longer live their. Which violates the Minnesota fair credit law, and federal credit law. Since they are contacting a third parties about my debt, and leaving messages which state I am in debt. They can be sued too.


lrhall41

Submitted by on Sat, 02/12/2011 - 10:29

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