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Showing content with the highest reputation on 05/06/2013 in all areas

  1. I sent my letter notifying them of my intent to sue and guess what? It got DELETED!!! Yay! No lawsuit for me but Im glad it got removed!
    1 point
  2. File a motion to vacate the Judgment with memorandum of points and authorities. If it took a year and a half the Plaintiff was just running up the interest charges. Judgments are good for usually 10 years and are renewable. Your financial position more then likely will change and these guys will come out of the blue and attach something or garnish your wages. Maybe there was some inequities at trial that will allow for an appeal. It just might be a few more actions on your part will to get them to drop but you have to clear the Judgment first if you can first. HP
    1 point
  3. OK, well, at least it was fun writing that snarky letter
    1 point
  4. Why? The lenders made an investment that didn't pay off. There's nothing more to it than that. If you lose money on your investments, does anyone offer to pay you back? The law provides a method for you to wipe the slate clean and start over. If you and your family will benefit by filing bk, don't let anyone make you feel bad about doing it.
    1 point
  5. Motion to vacate the Summary judgment. This will also extend the time to appeal. This is an obvious Okee Dokee.
    1 point
  6. Anything's possible, but I'm thinking no. What you'd be saying is "Yes, I used the card. However, since the plaintiff can't provide proof that I applied for the card, they're in violation of TILA, so I don't owe the money." That's not the best argument. You're correct that there's no mandatory destruction of documents. There's also no requirement to keep documents beyond 2 years. You can argue that they can keep records as long as they choose, but that's not the point. The law doesn't require them to do so.
    1 point
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