Comments on: The Worst Credit Cards on the Market http://www.creditinfocenter.com/wordpress/2009/10/23/the-worst-credit-cards-on-the-market/ For the Up To Date News Tue, 07 Feb 2012 22:26:40 +0000 hourly 1 http://wordpress.org/?v= By: Julie Pearson http://www.creditinfocenter.com/wordpress/2009/10/23/the-worst-credit-cards-on-the-market/comment-page-1/#comment-6473 Julie Pearson Thu, 07 Oct 2010 19:12:20 +0000 http://www.creditinfocenter.com/wordpress/?p=4897#comment-6473 Hi Kristy: I was sued by Gurstel Ghargo (Mpls, Mn.) for the alleged Plaintiff Capital One Bank (USA) P.A. Gurstel almost immediately petitioned the court for a hearing on a Summary Judgment. I am not a legal guru, not even close. I did not have the money to pay an attorney for represent me against these money mongers. I researched everything I could think of related to bad debt, Capital One Bank (USA), P.A., Gurstel Chargo, and tried to find sample pleadings. Gurstel served me with S&C. I served my Answer within the 20 days. I did not hear from the attorneys and I regularly called our county civil filing and I was continually told that a case had not been filed yet. After several months, I stopped worrying. On Feb. 13, 2010, I was served by mail another S&C which was the exact S&C I was served several months ago. Though I was not aware, MN. is one of the few states that allows "pocket lawsuits". I was served Interrogatories that I answered very generally and as quickly as possible. The hearing the Motion for Summary was set for sometime the latter part of August. I prepared some well researched Interrogatories. However, the attorneys did not need to answer the Interrogatories because the hearing was set for two weeks prior to the hearing. I asked the judge for an extension of time--2 weeks, and I was advised that I had to call the attorneys. Though my husband suffered 4 heart attacks in the past 6 months, a broken hip, an infected knee scheduled for surgery, the Attorney Michal Johnson from the Gurstel law firm would NOT grant the extension of time. It was obviously to me that he denied my request because if he agreed to the extension of time, he would have to answer the Interrogatories which would prove that Capital One Bank (USA), P.A. was NOT the "real party in interest". The account was sold and my information and & research supported the fact that Gurstel was the debt buyer of my account, so...the attorneys were representing themselves. GURSTEL BUYS DEBT AND LISTS THE PLAINTIFF AS CAPITAL ONE. Poor Defendants generally don't know much about debt collection and they get a default judgment and more money in their pockets. If anyone is sued by Gurstel and lists Capital One Bank (USA), P.A. as the Plaintiff, be aware that Capital One is NOT the "real party of interest". File your Answer within the 20 days allowed by law. Prepare and serve your Interrogatories on Gurstel before Gurstel filed the Interrogatories on you. After you serve the Interrogatories petition the Court for a hearing for Summary Judgment. You will have to move quickly. Use the Internet for good information, ask any attorney friends for advice. if you have the dollars, get an attorney or seek the help from an attorney group for low income residents. BEAT GURSTEL!...and then share with others how you did it. I don't have the money, but I thought that I had to at least try, whether I lost or not. I lost but at least I knew I tried. I did not get all my information for my "Response to the Motion for Summary Judgment" in document form. I showed up at the hearing, I admitted the account was mine (which I would not have had to do if I had filed my Response tothe Motion for Summary Judgemnt in a timely way. There were a number of responses/statement made by Gurstel that had fraudulent intent but I just could not get the document completed without a two week extension of time. Gurstel knew I could prove my case. Attorney Michael Johnson, Gurstel firm, told me when I asked for a 2 week extension of time that it didn't sound like I was busy on the day set for the hearing on the Motion for Summary Judgment. He was a jerk but in his defense, I have come to believe that all debt buyers and debt collectors are cold hearted jerks. I may not be making sense but if anyone can learn anything from my experience, it would make me happy. I would like to appeal but my husband is dying, has many doctors appointments, I am being threatened with foreclosure, so time is precious and I cannot afford to let myself get trapped in another war with Gurstel...I don't have the time or resources. I was not able to find a pro-bono legal agency that was willing to help. I am 100% disabled, thus I am on a set income, and on that, I qualified for legal assistance. However, Legal Aid denied my request for help because they included the equity in my house to determine my whole net worth, which, apparently did not not their "low income" requirements. Julie P. Hi Kristy:

I was sued by Gurstel Ghargo (Mpls, Mn.) for the alleged Plaintiff Capital One Bank (USA) P.A.

Gurstel almost immediately petitioned the court for a hearing on a Summary Judgment.

I am not a legal guru, not even close. I did not have the money to pay an attorney for represent me against these money mongers.

I researched everything I could think of related to bad debt, Capital One Bank (USA), P.A., Gurstel Chargo, and tried to find sample pleadings.

Gurstel served me with S&C. I served my Answer within the 20 days. I did not hear from the attorneys and I regularly called our county civil filing and I was continually told that a case had not been filed yet. After several months, I stopped worrying.

On Feb. 13, 2010, I was served by mail another S&C which was the exact S&C I was served several months ago. Though I was not aware, MN. is one of the few states that allows “pocket lawsuits”.

I was served Interrogatories that I answered very generally and as quickly as possible.

The hearing the Motion for Summary was set for sometime the latter part of August.

I prepared some well researched Interrogatories. However, the attorneys did not need to answer the Interrogatories because the hearing was set for two weeks prior to the hearing.

I asked the judge for an extension of time–2 weeks, and I was advised that I had to call the attorneys. Though my husband suffered 4 heart attacks in the past 6 months, a broken hip, an infected knee scheduled for surgery, the Attorney Michal Johnson from the Gurstel law firm would NOT grant the extension of time. It was obviously to me that he denied my request because if he agreed to the extension of time, he would have to answer the Interrogatories which would prove that Capital One Bank (USA), P.A. was NOT the “real party in interest”. The account was sold and my information and & research supported the fact that Gurstel was the debt buyer of my account, so…the attorneys were representing themselves.

GURSTEL BUYS DEBT AND LISTS THE PLAINTIFF AS CAPITAL ONE. Poor Defendants generally don’t know much about debt collection and they get a default judgment and more money in their pockets.

If anyone is sued by Gurstel and lists Capital One Bank (USA), P.A. as the Plaintiff, be aware that Capital One is NOT the “real party of interest”. File your Answer within the 20 days allowed by law. Prepare and serve your Interrogatories on Gurstel before Gurstel filed the Interrogatories on you. After you serve the Interrogatories petition the Court for a hearing for Summary Judgment. You will have to move quickly. Use the Internet for good information, ask any attorney friends for advice. if you have the dollars, get an attorney or seek the help from an attorney group for low income residents.

BEAT GURSTEL!…and then share with others how you did it.

I don’t have the money, but I thought that I had to at least try, whether I lost or not. I lost but at least I knew I tried.

I did not get all my information for my “Response to the Motion for Summary Judgment” in document form. I showed up at the hearing, I admitted the account was mine (which I would not have had to do if I had filed my Response tothe Motion for Summary Judgemnt in a timely way.

There were a number of responses/statement made by Gurstel that had fraudulent intent but I just could not get the document completed without a two week extension of time. Gurstel knew I could prove my case. Attorney Michael Johnson, Gurstel firm, told me when I asked for a 2 week extension of time that it didn’t sound like I was busy on the day set for the hearing on the Motion for Summary Judgment. He was a jerk but in his defense, I have come to believe that all debt buyers and debt collectors are cold hearted jerks.

I may not be making sense but if anyone can learn anything from my experience, it would make me happy.

I would like to appeal but my husband is dying, has many doctors appointments, I am being threatened with foreclosure, so time is precious and I cannot afford to let myself get trapped in another war with Gurstel…I don’t have the time or resources. I was not able to find a pro-bono legal agency that was willing to help. I am 100% disabled, thus I am on a set income, and on that, I qualified for legal assistance. However, Legal Aid denied my request for help because they included the equity in my house to determine my whole net worth, which, apparently did not not their “low income” requirements.

Julie P.

]]> By: Kristy Welsh http://www.creditinfocenter.com/wordpress/2009/10/23/the-worst-credit-cards-on-the-market/comment-page-1/#comment-6467 Kristy Welsh Wed, 06 Oct 2010 14:42:33 +0000 http://www.creditinfocenter.com/wordpress/?p=4897#comment-6467 I'd go with a secured card. Here is our list: http://www.creditinfocenter.com/cards/secure-credit-cards.shtml I’d go with a secured card. Here is our list:

http://www.creditinfocenter.com/cards/secure-credit-cards.shtml

]]> By: Susana Valdivia http://www.creditinfocenter.com/wordpress/2009/10/23/the-worst-credit-cards-on-the-market/comment-page-1/#comment-6464 Susana Valdivia Wed, 06 Oct 2010 05:59:44 +0000 http://www.creditinfocenter.com/wordpress/?p=4897#comment-6464 I recently applied for a secured credit card through US Bank. I filled out my application and sent them a US Bank Money order for $300.00. After ten days I received a letter asking me to provide tax info. I called customer service and was told I was turned down do to the fact that I am collecting unemployment. They claim "under federal law they cannot issue secured credit cards to unemployed applicants." I was very disappointed. I am trying to build my credit and also starting an on-line business. The bank claims I'll get my money in 10 business days. How can I build credit in this tough economy? Any suggestions? Thank you. I recently applied for a secured credit card through US Bank. I filled out my application and sent them a US Bank Money order for $300.00. After ten days I received a letter asking me to provide tax info. I called customer service and was told I was turned down do to the fact that I am collecting unemployment. They claim “under federal law they cannot issue secured credit cards to unemployed applicants.” I was very disappointed. I am trying to build my credit and also starting an on-line business. The bank claims I’ll get my money in 10 business days. How can I build credit in this tough economy? Any suggestions? Thank you.

]]> By: Mark http://www.creditinfocenter.com/wordpress/2009/10/23/the-worst-credit-cards-on-the-market/comment-page-1/#comment-3130 Mark Mon, 02 Nov 2009 18:32:10 +0000 http://www.creditinfocenter.com/wordpress/?p=4897#comment-3130 The best way to avoid the problems with banks, & Credit Cards, is not to have so many. Have only ONE OR TWO credit cards MAX. If you a lot like I did, 17, wiht over $175000 credit limit, a lot can happen. So, KEEP ONLY 2 MAX & PAY IT OFF EACH MONTH. Banks & Credit Card Companies care only about one thing -- MONEY & they can care less about YOU. SO, the best thing to do is if you have bad credit, fix it. It takes time, but it can be done. DO NOT GET ANY PREPAID, DEPARTMENT STORE, OR any CC with Annual Fees. They do YOU no good. Start Thinking about YOURSELF & YOUR FAMILY. Use Cash or your debit card if you have the money. If not, Don't buy it. If you don't -- you will have problems someday like I did then get ready for hell. NOW, I fight back & win & hopefully someday will get infront of the Senate Sub-Committee to make some new laws to make the laws for the consumers and heavy fines to the collection companies, banks, & Credit Card Companies which commit FRAUD EVERY DAY. The best way to avoid the problems with banks, & Credit Cards, is not to have so many. Have only ONE OR TWO credit cards MAX. If you a lot like I did, 17, wiht over $175000 credit limit, a lot can happen. So, KEEP ONLY 2 MAX & PAY IT OFF EACH MONTH. Banks & Credit Card Companies care only about one thing — MONEY & they can care less about YOU. SO, the best thing to do is if you have bad credit, fix it. It takes time, but it can be done. DO NOT GET ANY PREPAID, DEPARTMENT STORE, OR any CC with Annual Fees. They do YOU no good.
Start Thinking about YOURSELF & YOUR FAMILY. Use Cash or your debit card if you have the money. If not, Don’t buy it.
If you don’t — you will have problems someday like I did then get ready for hell. NOW, I fight back & win & hopefully someday will get infront of the Senate Sub-Committee to make some new laws to make the laws for the consumers and heavy fines to the collection companies, banks, & Credit Card Companies which commit FRAUD EVERY DAY.

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