• Content Count

  • Joined

  • Last visited

  • Days Won


Helena last won the day on November 26 2013

Helena had the most liked content!

Community Reputation

12 Good

About Helena

  • Rank
    Advanced Member

Profile Fields

  • Location

Recent Profile Visitors

530 profile views
  1. Thanks. It's due very soon, felt a bit dumb that I didn't know to follow this through, but that's what you get when you go pro per. Think I should post somewhere for people who win so they don't end up back in court. Thanks again.
  2. Thanks again calawyer. Not going to try and recover costs, don't have the energy or the heart. I want as much distance as possible. But the JUD 100 is confusing me. I got no paper from the courts saying I'd won. I reviewed the online court entries and there is nada from trial except completed. Plus, I don't have the rent-a-lawyer's name who showed up for Midland. Do I just: * Check box 3b and write in midland fundland's attorney, my name. * Check JUDMENT AS ENTERED AS FOLLOWS BY: and check the court? * Check box 5b and write in my name And that's it? Thanks as always. Sorry to get
  3. I won against midland - yay! Just found out I have to file judgment. Can anyone please tell me the steps? I never got a signed paper from court saying I won. Am assuming the first step is getting a copy of this from court clerk. Thank you
  4. Will do. Guess I have to wait another 30 days.
  5. Thanks! You guys are amazing. I sent a letter to Experian asking them one more time, to remove Cavalry Portfolio from my report. I stated that Calvary did not bring evidence to court, they will not provide me with any details of correct statements, contracts or agreements, charges and fees and balances, (which they won't because they can't) and stated the Fair debt collection act violation code of reporting incorrect amounts, and that I am entitled my rights as a debtor. If this doesn't work, I guess I will have to contact a lawyer, but it seems ridiculous, no, illegal, that jdb can just
  6. Funny, I was just researching that. You're right. Sadly, I am so scared, with all the illegal ways they've messed with me: sewer service, etc., I feel frozen.
  7. Here's the problem though. I was told that any communication with them could set the clock back for dropping off credit report.
  8. Quick back story: I was paying off OC when they sold to Cavalry. Cavalry tacked on thousands of dollars and took me to court. It was dismissed as they didn't have evidence. The balance was $9,000 when they took me to court. Original amount was $4000 to OC. Rip off number one. Now they are reporting $37,000 to my credit report! What? I wrote to all 3 credit bureaus, with copies of court reports, letter, etc., and Experian just emailed and said it will remain. Anyone have any suggestions as to how I get this off my report? Please don't suggest settling, as no way am I bargaining with them
  9. Update from a rock star tax preparer: DISCLAIMER: he was a tax preparer, not a tax lawyer or IRS agent, nor did I hire him for services. This is not my advice, just something a 30 year tax preparer who specializes in bankruptcies, etc. suggested to a friend in a similar position. He said, if you get a 1099c, and you have GOOD proof it was disputed, dismissed or the like (not just dispute on credit report, you need court papers, etc.) he claims attaching forms to IRS is a waste of time and a red flag. Just leave line 21 blank as he said and mail it in. Here's why: if the IRS catches it, in ot
  10. Soooooo, guess I will attach all the documentation I have (chases fake service, judgment reversed by judge, next case dismissed, third try chase bowed out, plus statements showing payment to them while they were suing me, and a looooong letter explaining things) and not put the 9k as income and cross my fingers. At worst, irs will laugh at me and say I owe taxes (plus interst and penalties) and I need to sue chase and I'll pretty much where I am now. At best, they will approve my dispute, the nightmare will be over. Unless chase can come back at me and say yes, you do owe that? How would tha
  11. Sooooooo. After hours of reading, and talking to 3, yes 3 different tax accountants, I have found this to be true: no one knows for sure! There is IRS law and a case I found, but can't say for sure if another case supersedes it. Here it is: XVII. VIOLATIONS: AMOUNT OF INTEREST IN DEBT The Internal Revenue Code treats cancellation of debt as income under specified circumstances. 26 U.S.C. �6050P; 26 C.F.R. �1.6050P. The owner of a debt who cancels it must file an informational form 1099-C if the amount cancelled exceeds $600. Generally, cancellation of debt is income unless (a) there is a bona
  12. Interesting. How do credit card companies do that? Mine must be 90% interest. I only received the letter, not the 1099c , which I'm sure is coming soon. Will be interesting (scuse the pun) to see what they write. Anyone know the correct way to attach to 1040? Do you put in the amount, then back it out?
  13. You're right, it's 1099c season, they say Chase is sending out millions. Thanks for all your thoughts. Insolvency sounds like a good idea. Can't imagine I wouldn't qualify for that. But if I don't, there has to be a way to show to the IRS that the amount is wrong My situation is so wierd, but the bottom line is, I don't owe chase that much. Not even close. Here's the back story: in 2008, chase slammed my card from 0% to 28% overnight. After dozens of calls I went into a special payment program with them with 10% interest which I made a few payments on but I never received any statements of
  14. Just received a lovely 1099c from chase bank. They tried to collect from me in 2010 in court and lost. The amount is for $9800 and am fuming. The nightmare continues. Does my winning against them in court help me to prove to the IRS that this debt is wrong? And if so, what are the steps? Thank you so much for the help.
  15. They are definitely reporting innaccurately. I cannot believe what they are doing is ok under fcra. My original debt was paid to OC. Somehow, my "debt" was sold to jdb. They couldn't prove in court. Now they are reporting I owe $38k!!!! They were suing for $9k. Still confused as to what to do....Thanks for the info clydesmom. Will try not to tilt at the windmill, whatever that means.... Guess I will get court copies and write to credit reporting agencies. I tried to get a letter from OC and they said they have no record. This was 6 years ago. So thoroughly done with this garbage. Wish I had