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  2. Clydesmom

    Medical bill not mine

    I understand your frustration but even the FDCPA allows for bona fide error. If you are certain your daughter did not accidentally or intentionally list you as a guarantor then first check and see where the error happened. If she got care there as a minor under your care in the past it is very easy for a computerized system to assume that is still the case. Unfortunately many are not set up to note the date of birth and when a minor is no longer a dependent. I have to quote a mentor of mine: never attribute to malevolence what can be explained by stupidity. 😀
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  4. I am attacking standing
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  6. I do not see how your comment could be construed as a compliment. Negative remarks pertaining to the religious beliefs of others are strictly prohibited. Whether or not we agree on methods employed to help members has nothing to do with religion. There are to be no more negative remarks aimed at the personal religious views of other members.
  7. Maribel Maldonado

    Medical bill not mine

    Thank You! Thats what I thought, but the stress alone, because I just bought a home & am in the process of buying another, had this not came to my address I would not have even known of this bill! Things like this should be illegal & they should be sued for even doing this to begin with...
  8. Clydesmom

    Being Sued in Texas by Portfolio Recovery

    Let me guess: you made a more than valid point and stated what your religious belief is in doing so? Told ya he is a religious bigot. At least we now know it is universal and directed at everyone who disagrees.
  9. Clydesmom

    Medical bill not mine

    No. The computer billing system most likely linked her via the database based on past accounts. No. No. Send a letter certified mail return receipt to the hospital billing department. Specifically state that she is not a minor nor is she covered by your insurance plan. You are not legally responsible for her bills. Enclose a current address for her on where to contact her for the debt if you know it. Call back 7-10 days after you get the green card back and verify they have updated the account information to reflect the bill is not yours to pay. If it lands on your credit reports after that letter do not contact them again just sue them.
  10. Clydesmom

    Credit repair/dispute

    There is no magic method to remove accurate information. You have already disputed once too. The bureaus are not required to keep investigating absent some compelling new information. If you manage your debt your score will improve. Based on your other threads you have bigger problems than your credit score with at least one lawsuit under way and potentially others to follow. Sending in frivolous disputes now could escalate the speed at which they file their own lawsuits.
  11. Maribel Maldonado

    Medical bill not mine

    I just received a bill in the mail from 1/31/19 bill date 2/5/19. My daughter, who is about to be 20yrs old, went to the ER. She is NOT on my medical insurance & hasnt been in years, yet they charged me without my consent or even being present. I was not there nor did I sign or give them permission to bill me. Is this legal?? Am I liable for my almost 20yr old daughter?? Can they just do this??
  12. Harry Seaward

    Being Sued in Texas by Portfolio Recovery

    I see. Strange that you are saying my (lack of) belief "fully explains" why you can't reason with me, though.
  13. onelove

    Credit repair/dispute

    Hello guys, I am searching for the best way to go about disputing collections and charged off accounts on my report. I have been sending out a letter to the credit bureaus but nothing ever got Deleted. Always come back as verified or updated. Can you guys share with me some effective ways to dispute. I need to improve my scores witch are in mid 500s. Please help.
  14. texasrocker

    Being Sued in Texas by Portfolio Recovery

    OK. You constantly create false information just by the way you put words in my mouth or take out of context what I say then systematically devise your reply to alter it. I have been pointing this out for the last two years and you have not shown one ounce of gratitude or even refrained from continuing to do it so the blatantly false claim that you would be grateful exposes none other than you as the actual liar here. See- you just did it again. You just can't resist can you? You are so blind. I was acknowledging it as the basis of my belief of why you are impossible to reason with. If you were as clever as you wish you were then you would have taken it as a compliment.
  15. Goody_Ouchless

    Being Sued in Texas by Portfolio Recovery

    Never, Batman! I was going to put it under one of the Joker's lines, but couldn't be bothered. @Clydesmom got it!
  16. Harry Seaward

    Being Sued in Texas by Portfolio Recovery

    Than the "worst thing ever"? You've lived a very sheltered life, if you think those statements come anywhere near "worst thing ever". I don't want to tell you how to live your life, but I'd be grateful if someone were to let me know if i was actively spreading false information. Sorry, but you can't hide your lies behind this. Wait, I thought you didn't attack people's religious beliefs? I can't imagine that was also a lie....
  17. NCas

    PRA has offered PFD?

    Great! Thank you!
  18. This 2018 white paper on SOL from the National Consumer Law Center has some excellent information: Shortening the Limitations Period on Credit Card Collection Lawsuits The standard rule is that a limitations period begins to run from the date of default. How this applies to a credit card transaction is not always clear. If the claim is based on an account stated, the limitations period should run from the last transaction listed on the account stated. See id. § 3.6.7.2. When the claim is based on a breach of contract, state law or the credit card agreement may have language related to when the card account is in default. If the card agreement states default is based on a failure to make a minimum payment, then the limitations period should run from that missed payment. Other card agreements provide that upon a missed payment, the card issuer may declare the balance immediately due and payable. Card issuers or debt buyers in that case may claim that the declaration that the balance is due immediately was not made until the collection lawsuit was initiated. Of course, this argument fails if the card issuer did in fact demand payment in full at an earlier date. Moreover, the Arizona Supreme Court, confronted with this language in a credit card agreement, has just ruled that the limitations period should run from the first missed payment. See Mertola, L.L.C. v. Santos, 2018 WL 3595915, at ¶ 18 (Ariz. July 27, 2018). The Arizona Supreme Court stated: Determining the Date of the Consumer’s First Missed Payment To determine the date the consumer first missed a payment, start with the collector’s own pleadings and any attached documents. Even if the collector is claiming a later date of default, its own pleadings, affidavits, and other documents may indicate an earlier date of default. Never underestimate the sloppiness of debt buyer documentation. The date on which a consumer stopped payments on a credit card account can also be inferred from the charge-off date, if the collector provides that date in any of its documents—something collectors do surprisingly often. The charge-off date, under federal standards, is 180 days after the account becomes delinquent. Thus, a reasonable assumption of a delinquency date is 180 days before the charge-off date. Another approach is to look at the consumer’s credit report to determine the last payment on the account reflected in the report. Do not confuse the charge-off date, which may be indicated there as well, with the date when the consumer stopped paying. Be alert to certain collectors seeking to “re-age” a debt by reporting an incorrect date of first delinquency, which is a potential violation of the FCRA (albeit without a federal private right of action unless first disputed with the credit reporting agency), as well as the Fair Debt Collection Practices Act. See generally NCLC’s Collection Actions § 3.6.7.3 on proving the date of default.
  19. texasrocker

    Being Sued in Texas by Portfolio Recovery

    "broadcasting that you don't know what you're doing" "ramblings from an internet message board" "there are parts of that answer that are flat-out false" are much closer than remotely close. The only problem is your inability and /or refusal to recognize satire. I am by no means your brother. Why does this not surprise me... fully explains why it is impossible to reason with you.
  20. Harry Seaward

    PRA has offered PFD?

    No Yes. I've never seen this happen, and you'd have a nice FDCPA payday if it ever did.
  21. WhoCares1000

    What happens when you can’t pay judgement?

    Not all courts have their case information online. Also, some states (such as Minnesota) do not allow the use of bots.
  22. NCas

    PRA has offered PFD?

    Would that be legal? Once paid, including settled, isn't it illegal to sell the account to another agency?
  23. Once the suit is filed with the court the SOL is tolled until a verdict is entered rendering the SOL moot or the case is dismissed. If the case is dismissed without a verdict then the SOL continues to run as if it had never been filed.
  24. Also, I just saw this thread: My OC is also Barclay based out of Delaware. SOL in Delaware is 3 years on credit accounts and my last payment was 1/11/2016. They served me 8 days before the SOL hit, is it tolled or is it still applicable?
  25. Harry Seaward

    Amex: Best opportunity to settle?

    A huge, and possibly the only, reason AMEX and Discover run such a tight arbitration ship is because people blabbed a "how to" on internet message boards like this one.
  26. Harry Seaward

    Being Sued in Texas by Portfolio Recovery

    Nope. No one said anything even remotely close to this. Yup. Didn't make it even a full day, I don't think. Glad to see you're finally recognizing it, anyway. The first step is admitting you have a problem. There might be hope for you yet, brother. Sending thoughts and prayers (not really - I'm an atheist).
  27. texasrocker

    Being Sued in Texas by Portfolio Recovery

    If you had bothered to even skim through the whole thread you would have noticed that it originated 4-1/2 years ago, back when we all gladly combined our individual resources and areas of expertise to help (except of course Pessimist in Chief Harry* who as usual inflated the number of Texans who had lost) someone who has in fact been long gone for years now so he is not "lost in the process." It sure is peculiar that y'all naysayers never criticized the original answer I provided at that time but now it is the worst thing ever and part of your dreamed up "evil agenda" accusation against me that you still have not defined. Therefore that agenda only exists in your own warped, delusional and hypocritical mind. * Oh, snap! Did I just call him a name again?
  28. Harry Seaward

    Being Sued in Texas by Portfolio Recovery

    @Goody_Ouchless are you cheating on me with Rocker? I thought i was the only one you were sidekicking for. 😥
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