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Everything posted by ohnowwhat

  1. In 2013 I was sued by Cavalry from an HSBC card I had no idea about from 2008. Only reason I even found out was I got junk mail from an attorney saying we noticed you where being sued here is our info if you need help. I was crazy confused. The week before DH left for a year long deployment the day he left, that night my father died. Basket case I was and had never had any legal issues before. I did hire an attorney and the case was dismissed with prejudice also stating a release on all liability for account. OK well I was ok with this but not understanding it completely however I had other is
  2. In March of 2013 I had received a letter from Midland MCM for an alleged debt. I in turn sent a certified debt validation letter to said company. A few days later I got a letter back from MCM stating that based on the information they would remove all MCM activity from all three major credit reporting agencies. Also they Never provided any debt validation. I looked at my report and they looked at my report in December of 2013 for "collection" reasons. I am wondering how they can still do that after the letter they sent me and also not giving me debt validation as well per the 30 days on my let
  3. Yeah just email it to me when Cavalry signs it so I can have a copy.
  4. Yes I retained Mr. Barnette for my Calvary case (that came from know where without warning) I did not have a clue I was going to be sued . I never even got served the papers because a lawyer in TN had sent me a letter saying my name was on public record to be sued and they could help. So I called the county clerk that Monday and sure enough I was. I just signed the agreement to dismiss yesterday with them. Meanwhile I got a letter last week from Midland with settlement offers, I am not real sure what they are even trying to collect from me yet. I sent them a certified debt validation letter.B
  5. Yeah that's a good one, however I have read these people can get down to business and make you fight back pretty hard. I have read a few threads , well many about them and its a gamble in mo. I think everything is subject on who Midland chooses in said state/county to represent them. All I can say is when one comes they all come. So with that the alleged debts I have I will be in court or sending letters for a bit. I noticed on my report a collections from DS waters in CA. They gave my alleged account to a collections after I had enough of their shady billing practice, changing the fee every
  6. I can sleep better now and thanks for this web site I would have been lost without it.
  7. Thank you Mr.Barnette for helping me with my case! R
  8. UPDATE--- The matter has been dismissed w/ prejudice. (happy dance) now on to Midland.
  9. Like the sample validation letter in the link you sent me.
  10. I sent Midland a debt verification letter today certified mail..crossing fingers I never hear back.
  11. I hired my lawyer yesterday and he said he contacted the other party (Calvary) and it is being dropped. I have nothing in writing yet he said Wed or Thurs. So far no papers served either. So I hope thats all true and this one is over. How about using the debt Validation and sending to my current council? Should I send it certified mail? Sorry I have not gotten to the second artice yet saved it to my computer.
  12. I hope so, I need the papers in my hands before I will take a deep breath. So far no papers served and he said they dropped it and he is waiting for them to respond in writing.
  13. Same here, its just a collections letter as of now. So Its says I have till April to decide on one of these options or call to set up something. I sent a copy of it to my lawyer and he is wanting to take them to court over the letter lol.Saying I could probably make money off them.I am not sure yet as to what I will do. I may just C&D and give them my lawyers number for now if they want to talk to me it will be thru him.I already have one so why not. I keep reading other cases against Midland it looks like they do not give that easy,. and it looks complicated and long and drawn out. My hus
  14. Thank you the articles where helpful. I have no job I am a SAHM since hubby is deployed all the time. Nothing is in my name however I hate the risk of loosing and them going after my husbands money. We do share a bank account. And own some things ..again those are all in his name. I have had nothing put in my name since 2005 I think. So I dont know how ugly they get with going after your partners wages/tax money ect..will look into it.
  15. OK I think I am going to send them some letters back. Is there some special form for this or a good way to tell them I am not afraid and can they prove the debt? Any help is appriciated
  16. I have the same thing going on and people keep telling me not to pay. Mine is for 1,450.63 and that is with interest late fee's ect.. Mine is with Midland. I am looking into my options as of now I am being sued for another alleged debt and have retained a lawyer today.I have not been served but called the county clerk and sure enough I was being sued. They just served the wrong house. My lawyer said he contacted the other party (cavalry) lawyer's and they dropped it. I have nothing yet stating it in writing but he said by Wed or Thurs. And I should not get served. If I do just forget it. That
  17. No I am being sued by Calvary and got a letter from Midland today an an alleged other account for me to make payment options to them. I just do not want to be sued twice :/ its bad enough one time
  18. I paid him and he said he contacted the party that sued me and they dropped it. So I should not get served the papers and will get the documents this week from the other party.
  19. Thank you. I am already being sued so I sent a copy of the letter to my lawyer. I juat do not have the money to retain again :/ if they sue me in the future.
  20. I do not have a case yet. They just are trying to collect an alleged debt from HSBC. No legal action just a letter for a payment plan.