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

    • @MikeB35 I've seen in other threads that you are knowledgeable on Ohio issues. Any advice?
    • I am being sued by Midland Funding in the Hamilton Municipal Court, Butler County. I have tried to consult with a few attorneys but nobody I've talked to wants to help me fight them; their advice is to settle or file bankruptcy. I do not want to file a bankruptcy on a 4K lawsuit. The only issues I have with going it alone are: 1. I really have no idea what i'm doing, 2. I'd like for some advise on my answers and basically each step of the process; like what to expect and what I need to do and when I need to do it. Tomorrow I will be filing a Motion For Extension of Time to Answer. I am currently working on my answer and I have attached what I have so far. Advice please. Redacted Motion Extention of Time to Answer.doc Redacted Midland Suit Answer.docx
    • Yes that is my motion.  You should ask the court how the prefer you to go about asking for approval.  Some have said just go ahead and do it, others have asked what you want to send, and others have said you need to file the motion. You cannot do both discovery and arbitration and you cannot send discovery and then decide later to do arbitration instead. @fisthardcheese
    • Also.. Thank you TexasRocker for suggesting that I read FistHardCheese's post absit arbitration. Its a raining day here in Houston, which means I could be a) working on homework (and who wants to do that), b) watching Netflix, or c) learning all about arbitration... I choose C... My question is this: How do I find which version of the CC agreement is in effect for me? Is to the version from when the account was opened? Or the version closest to when it was closed?  Account was open in 2012 and last payment was August 2015.. I think it would behoove me to read the arbitration clause most relevant before I make a decision.. Thank you all for your help.
    • Ok, so how do I ask/get the court's approval to begin discovery?  Do I just hand the person at the court that response and say "I'd like to ask permission to begin discovery?" When I read another post on this forum, it was recommended that this individual submit THIS to ask permission for discovery.... Is THAT what I'm supposed to do? If so, does that mean I prepare both documents (the answer and the permission to conduct discovery) and submit them at the same time? Thank you all...      MOTION SEEKING COURT'S PERMISSION TO CONDUCT DISCOVERY Comes now, Defendant ______________ and files her Motion to request permission from the honorable Court to begin Level 1 discovery pursuant to Texas Rules of Civil Procedure Rule 190.2 and Rule 500.9 Defendant hereby asks to send Plaintiff Request for Disclosure (pursuant to TRCP Rule 194), request for admissions, production of documents, and interrogatories relative to how Plaintiff intends to prove up the assignment of the alleged debt they claim to own which is the subject of the lawsuit.  Defendant asserts that Plaintiff lacks standing to bring forth this lawsuit; therefore discovery is reasonable and necessary in order to develop her defense and to minimize taking up the Court's valuable time.   PRAYER Defendant prays that the honorable Court grant her Motion For Permission To Conduct Discovery and grant Defendant any other relief that she is entitled to.
  • Popular Contributors