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Showing content with the highest reputation on 01/13/2016 in all areas

  1. Thank you @LadynRed - please let us know if you have any questions/issues and you can post them to this thread. This thread is being monitored by our programmer.
    2 points
  2. I don't think think there's anything you need to do about the letter you received - so long as your filing beat their request for default, you should be fine.
    1 point
  3. @stefeni074 I've been thinking about this. 12-1502 states the only grounds for denying a motion to compel is if the court finds there is no agreement. In their reply they did not deny there is an agreement to arbitrate nor did they give the court any reason to believe there isn't an agreement to arbitrate. They only said the agreement you provided is not admissible. In addition to the responses we talked about already, I would also argue they know or should know the agreement they will produce has an arbitration clause and their response to your motion served no purpose other than to delay and harass.
    1 point
  4. I have really good news! I finally, after trying to reach someone by phone, went to the hospital, and it turns out they will give me a $9,000 discount for not having insurance. Which brings my hospital bill down to $4,000-something, which is workable! Also, I have financial assistance forms, so that might be helpful too. Thank you so much to all who talked me through what I needed to do and made this situation not seem so hopeless.
    1 point
  5. You can file a general denial and fee waiver at the same time (assuming the complaint is not verified ). I would not file for an extension and you don't need one. I don't know of anyone in Cali who likes arb, and in my opinion is another thing you don't need. I would also send a demand for a BOP (bill of particulars) . You can find this , the general denial, as well as a proof of service form (which you will need ) on ASTMEDIC'S thread which is pinned at the top of the forum. Welcome BTW, and good luck.
    1 point
  6. Nice update on the forums , long overdue.
    1 point
  7. When you select the text you want, you have to click the text after. Just select the text, then click the text and you'll get the bubble. For the 2nd issue, I'll have to see something. I'm not really sure what you're talking about. As for the "Request desktop site" this is a responsive website, meaning it's the same site whether it's on your phone, tablet, or spanned across 10 screens. The content just stacks vertically and goes from there. That way you're getting all the same features and nothing else is hacked out like the old version :).
    1 point
  8. @BV80 - I just put together a verification affidavit and will file this week. Thanks again! @shellieh98 - Motion was to dismiss/stay the case and to compel arbitration so we are good there! Thanks for all your input!
    1 point
  9. If you are planning to file BK, even if the JDB gets a judgment, it can be vacated through the BK process. But if you fight their lawsuit aggressively you should get about 6 months before they get a judgment. If you are really aggressive, they may never get a judgment.
    1 point
  10. So....here is the next one. Slapped the fire out of Midland today. Quote from the Judge to Midland, "When is your client going to learn and listen to what the CFPB has said?? If you keep coming in my court with this sort of evidence you should expect sanctions. " This makes the 5th case we have hit out of the park. I wish I had looked for FDCPA violations...but I got a dismissed with prejudice out of it.
    1 point
  11. I know this is an old post, but I thought I'd throw my thoughts/questions in here since it's been revived. I get the concept and follow most of the logic. My concern is in regards to the interest earned on the savings account. If this is the money that you are using to pay the loan back, then you are not going to be getting 2.6% on the full $1000, right? I'm no math wiz, but here's my reasoning. If we follow this plan and pay back $500 the first month, then $100 each month after, then your savings account balance will be decreasing every month, thus the interest earned will also decrease. So if you made your loan payment on the last day of each month (allowing for maximum interest earned on your savings), your interest earned at the end of each month would be 2.17, 1.09, 0.87, 0.65, 0.43, & 0.28, totalling $5.49 in interest in earned. Keep in mind my numbers do not factor interest earned on the interest re-invested, so the number will be slightly higher, but no where near the $13.00 suggested. In the above scenario, you'll actually lose around $7.00. Now, that may still be acceptable to someone wishing to use this method, I just felt it important to point out my concerns regarding the accuracy of the sample numbers. I don't believe the OP intended to mislead anyone, my guess is it was just an oversight. I do want to reiterate that I'm no financial guru, and I could be misunderstanding how interest works. If that's the case, please offer any corrections, because I certainly would like to understand this stuff better than I do now. It is still an intriguing subject, and I'll be looking more into the benefits. Thanks for the post.
    1 point
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