Jump to content
  1. Announcements

    1. 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.

      180
      posts
    2. Cosmetic Changes to the Forum

      We're making some changes to the forum, starting with some color and cosmetics. 

      2
      posts
    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.

      568
      posts
  2. Credit Repair

    1. Credit Repair

      All your credit repair questions.

      153.2k
      posts
    2. Collections

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

      154.2k
      posts
    3. Credit Bureaus/Reports/Scores

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

      45.2k
      posts
    4. Identity Theft

      This is where you get to talk about the newest of criminal trends. Learn how to protect yourself!

      1.6k
      posts
  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.

      340.6k
      posts
    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.

      15.9k
      posts
  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.

      27k
      posts
    2. Debt Settlement

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

      17.5k
      posts
  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.

      45.6k
      posts
    2. Mortgages

      By Popular Request

      18.5k
      posts
    3. Student Loans

      Get the latest news about credit and finance!

      5.5k
      posts
    4. Banking and Finance

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

      4.8k
      posts
  6. Non Credit

    1. Off Topic

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

      53.8k
      posts
  • Who's Online   1 Member, 0 Anonymous, 98 Guests (See full list)

  • Forum Statistics

    105.7k
    Total Topics
    890.9k
    Total Posts
  • Topics

  • Posts

    • I don’t know the RCP for your court.    You DO need to know the rules.    What I do know is this: 1.  If you don’t follow the RCP to the letter, you could be in big trouble.     2.  If there is a court order to court schedule to do something by such and such a time you need to do it.    3. The bar attorneys will almost always be given leeway that you are not.     You mentioned you refused to talk to a particular attorney because he was being a jerk.  That could really backfire on you 
    • I apologize for not answering before now. I'll try to get everything in here to answer everyone’s recent questions. I was told by their in house counsel that they were hiring outside counsel from my state and not to contact them directly. They also gave me the name of their local to me attorney they had supposedly retained. I've looked them up and they didn't even give me the correct name plus they have horrible reviews, so I'm not sure considering their behavior that they have actually retained them. Something else that also makes me think they have not retained outside counsel is that the other day I received their defense. They actually had a messenger deliver it directly to me. However, the envelope was open and it did not have any firm name on it as if they didn’t want any proof they sent it to me. However, when I checked the court site today, it reflected their Proof of service of Exchange and Submission of Evidence, but no substitution of attorney. I don't plan on responding to them because on TurboCourt they told me not to contact them directly and gave me the name of the supposed local attorney so there should be no expectation of me sending them anything. So unless anything changes between now and court, I am just going to go to court and present my case. And if they play any games there, I will present all the behinds the scenes stuff they have been doing. I expect adversarial; it’s the games and unprofessional behavior I’m tired of.   *** For the record, I told them that I wouldn’t speak to ONE person in particular and that if they had anything to tell me it had to go through someone else on their side. I called the first rep/attorney who contacted me and told her that shortly after I ended the bad call; she told me she understood and would relay that message. I never said I wouldn’t speak to them at all. THEY are the ones who said that. Also there seems to be some miscommunication about the meet and confer. They called me unexpectedly and we set up a time to talk. That time came and went and they did not call. When they called again (ELEVEN DAYS LATER), they did so unexpectedly and when I said I couldn’t talk, that’s when the one went crazy. When I brought up the missed meet and confer, they then pivoted to “adhering to CA rules means using TurboCourt”… yet then when they wanted to call me, they did.***
    • I followed all the steps here to fight Midland and I won. 5/21 Case filed in Court 8/5 Personally served at my home 8/18 Filed an answer 8/19 Trial scheduled for 10/15 8/23 I filed motion to compel arbitration 9/29 Lawyer filed for summary judgement 9/30 Date scheduled for 10/8 to hear summary judgement motion 10/8 I appeared in court to respond to the summary judgement. I asked the judge to rule on my motion to compel arbitration which was filed 8/23. The judge ordered a stay on the motion and advised me to send a letter within 30 days showing I initiated arbitration. Lawyer was pissed by the way 11/3 I sent a letter to the court showing I paid $250 to JAMS to initiate arbitration 11/11 Lawyer called to ask advise they were dropping the case with prejudice and sent me a stipulation of dismissal to sign 12/8 Stipulation of dismissal with prejudice filed by the court   Original debt was to PayPal for $3500  
    • Adding more thoughts:  it is very unlikely that a JDB would spend $5000 to collect $1600.  They have thousands of these judgments, that are like a portfolio of investments.  Some percentage of them will pay off every year, as houses are sold.  And the judgments earn interest.  They just wait until the property is sold, then they can collect their money.
  • Popular Contributors

×
×
  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.