1. Announcements

    1. Polls

      Weigh in on what's going on with your credit, debt or legal issues.

    2. PLEASE READ BEFORE POSTING / Board Announcements

      Find posting etiquette tips, other "rules of the road", abbreviations explained, and announcements we need to share with you. All new members should start here.

    3. Resources

      Place to go to look up helpful information such as state laws, case law and other sites for finding great information regarding credit repair.

  2. Credit Repair Forums

    1. Credit Repair

      All your credit repair questions.

    2. Collections

      All your questions about those nasty collection agencies and what to do about them.

    3. Credit Bureaus/Reports/Scores

      Everything you wanted to know about the Big 3 (and all the other little ones, too!)

    4. Credit Article of the Week

      Get the latest news about credit and finance!

  3. Legal Issues

    1. Is There a Lawyer in the House

      Hang out with our expert legal minds - get advice on lawsuits, procedure and credit case law.

    2. Bankruptcy Q and A

      Have questions about filing a bankruptcy? Wondering what it will do to your credit? Here is the place to start.

  4. Debt Validation

    1. While You are In It Debt Validation Q and A

      This forum is for those of you who have started the debt validation process and need more information.

    2. Debt Settlement

      Tips and tricks for getting out from under all of that debt.

  5. Loans and Banking

    1. Obtaining Credit Cards, Auto Loans and Financing

      Everything you want to ask about credit cards, auto financing and other types of loans other than mortgages: which programs are best, interest rates, etc.

    2. Mortgages

      By Popular Request

    3. Student Loans

      Get the latest news about credit and finance!

    4. Banking and Finance

      Questions about a specific bank? Personal investment/finance questions? Ask the experts here!

  6. Non Credit

    1. Off Topic

      Get to know each other here - all other non-credit questions....

    2. Wine

      I love wine, so if you do, too, here is a place to discuss it.


  • Topics

  • Posts

    • AAA would work, as well.   Hopefully, @fisthardcheese, @Harry Seaward , or @shellieh98 will pop in. In any case, if you file a MTD or a motion for summary judgment, you might waive your right to arbitrate.
    • Yes, I did. Looks like I need to find my credit card agreement and see if it has JAMS or bound to a state other than indiana's laws for SOl. What if my agreement doesn't provide for JAMS. SHould I file under AAA or am I gonna get fucked.
    • Yes, I did. Looks like I need to find my credit card agreement and see if it has JAMS or bound to a state other than indiana's laws for SOl. What if my agreement doesn't provide for JAMS. SHould I file under AAA or am I gonna get fucked.
    • Hello everyone.  I've been sued by a JDB in California.  I've been lurking.  Thank you for your incredibly helpful advice so far.  Here are my details. Who is the named plaintiff in the suit?  CACH What is the name of the law firm handling the suit? Neuheisel How much are you being sued for? 15K Who is the original creditor? First Bankcard, NE How do you know you are being sued? Served How were you served? In person Was the service legal as required by your state? Yes What was your correspondence (if any) with the people suing you before you think you were being sued? Not sure What state and county do you live in? San Luis Obispo, CA. When is the last time you paid on this account? October 2015. What is the SOL on the debt? 4 years What is the status of your case? Filed response, served BOP, got deficient response, sent M&C, CMC mid-Oct, received their and sent my RFPD, rogs, admissions, trial set for mid-Feb. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) No Did you request debt validation before the suit was filed? No How long do you have to respond to the suit? Responded timely What evidence did they send with the summons? Illegible Cardmember Agreement, 2 account statements, unsigned letter from OC on plain paper stating debt had been sold to JDB; affidavit from OC, bill of sale, redacted account list. Claims are breach, account stated, and money lent. JDB BOP response: 9 additional statements and second affidavit.  Reserved right to amend BOP response.  Objected insofar as claim is account stated. I sent M&C. Got a fee waiver. I’m on MediCal and food stamps. Pretty sure I’m judgment proof, so don’t know why they’re bothering… Question: How do I answer “Copies of any and all documents that support the affirmative defenses raised by you in this action” on RFPD? Any and all advice welcome.  Thanks!!!
    • What all has been filled thus far, by both sides? 
  • Popular Contributors