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Everything posted by CountryLady

  1. I have received quite a few messages from people asking for an update to my updated update. LOL As part of the settlement I can not discuss it other than to say it has been settled. So sorry, all. On a different topic....I will offer to everyone some advice. Please, please, please stand tall whenever you truly feel you are in the right. In everything you do. Don't quit. Just don't quit. Even when you are told what you are doing is stupid or you will fail. I think of the end of a wonderful is how I live my life... "The race doesn't always go to the stronger or faster man. Soone
  2. I do not confirm or deny anything. I just tell the truth. I suppose hypothetically, of course, the contact could be asking a specific question or offering friendly advice. Again, no accusations....just wondering if that might be a violation. Being a non-legal type, I would think better safe than sorry. File with any other violations and see where it goes. Just my two cents.
  3. Let's say the JDC is under a no contact order and he is on... say... this board watching the person they are trying to sue for an alleged debt. You know he has been watching and really, who cares? But say this lawyer responds to a post you made. Innocent enough? Pffffft. And you figure out who he is. This would seem to me to be a federal violation. Would his response have to be preceded with the standard "this is an attempt to collect a debt blah blah aren't I stupid" kinda thing? And not identifying himself as the attorney that has been told not to make that not anot
  4. Thanks so much. Our counter goes to them today or tomorrow. I'm in no rush. All my filings are/were timely. It feels kinda good to be in the driver's seat. Thanks everyone for all your help.
  5. Which is why I am so vocal now. If I sign, posts will stop. I will just do one last post that says "settled". Til then, my attorney says yes indeed I can talk about all of it. I just hope my experience has helped at least one person in some way.
  6. UPDATE First off, wow, yáll are great to pipe in and add so much opinion and fact. Thank you. I have learned so much reading all the comments. My wanting to consider Class Action was to hurt them. But it seems I can do that anyway. They are in violation of Federal law... the FDCPA (did I get the initials right? I rarely's a mental block). Regardless, they violated the court order to do this, not do that, etc. So class action isn't needed. They are red-flagged. I won't get anything, but I don't care. They need to be held accountable. Now, on to what has happened on my end. My
  7. Thanks for the encouragement, Wins the Battle. You are right. And that's pretty much what she said. I'm so bull-headed and so passionate about hurting them I lose sight of everything except to not stop. And now that I think on it, maybe that's why she said it was okay to do the post here and tasked me with keep me busy? I appreciate the responses, but it looks like it's another tree I had to bark up to get me to calm down a bit. Just so... frustrating. You know what's funny....initially, I just wanted them to stop go away and leave me alone. Somewhere along the road
  8. Posting skills, interpreting skills...think everyone needs to work on those. I thank you for taking your time to respond. I believe we both know where this is NOT going. Enjoy what's left of the weekend! It's been a cold one here.....
  9. "I said it was highly unusual because reputable attorneys do not ask their clients to troll for other clients"" That was sorta not very nice. You don't even know my attorney.
  10. Hello everyone. Again, I want to thank everyone for all of the good advice and comments and support while I have been going through my fight with Asset Acceptance, LLC and Johnson Mark, LLC. I did go see an attorney and I am getting some help. Thanks again.
  11. Yet another update. I met with and hired an attorney today. And yes, it is is time-barred. All the violations I had listed are valid. She is sending them the letter acknowledging she is representing me and will be making demands and I guess you would call it a threat. She is in contact with the Feds and is starting the process of reporting/suing them. I'm so relieved to have it off my shoulders. It's gotten to be too much. They are playing games with thick files and verbose, unnecessary statements; purposely confusing me. She grinned reading their ridiculous so-called s
  12. *takes a deep Yes, it was determined the SOL in California is indeed 2 years. Yes, the judge agreed. JM argued that I now live in Oregon so Oregon law applies. Then he said Texas law applied. Then he said Utah law applied. Oregon has a borrowing law. The purchase was made in California, under California law, all bills were sent to California. Everytime I brought up the borrowing law/statute, whatever it is called, it was IGNORED. No comments by either the court-appointed arbitrator or the Judge. They just ignored my comment. I said it everytime. I kept bringing it up. The Judge requested
  13. It was looked up. Your mention of the statute # is the first time I have seen the number. The definition was looked up by one of the clerks at the federal court. The definition she presented to the judge does indeed say that for a contract to be binding it MUST be signed. The judge agreed that the SOL for calif was/is 2 years. My #1 argument was that AA never has denied the account was time-barred.Their argument is that I now live in Oregon so it nullifies the Ca SOL...even tho it became time-barred while I was a full time resident of Calif. AA also tried to get it put under Utah law an
  14. I had 7 attorneys say they could not help me unless I paid retainers that were just outrageous...I would think someone would jump at it... I have no clue why none wanted to jump. I sure would.
  15. That's the link. Mine was a telephone purchase, no written contract. Never signed anything.
  16. I looked it up. I'll find it for you. The judge asked for the source as well and accepted it as valid...he kept it in his court because he felt it was now....his jurisdiction.
  17. I wish I could. My inability to pay for an attorney is why I have done it all myself. I've gone from full time to barely part time. I cant afford it. But I have time to do this right. I will get it. Thanks!!!!
  18. I called the FTC and had to leave a voicemail. Am awaiting a call back. Will let you all know when I hear something. Thanks again for the link.
  19. Thank you so much for this. Tds has contacted me. So the dialog has begun. It is so frustrating to be lied to and to be treated like crap by these slithering snakes. Thankfully, I can be bullheaded. Cried a lot of tears and lost so much sleep over their games. Was even hospitalized. Then I just got mad. I didn't care that I had said certain things....I had even stated at one point that maybe I did owe a certain amount. The judge asked me whybi would put that in writing if I didn't think I owed anything. I told him I was scared and confused and saw their printouts but I had had time
  20. I don't think so. It says in their settlement paperwork that we pay our own expenses. I am thinking that today I will go file with the court for immediate reimbursement. Does anyone know the answer on this one? Many thanks.
  21. SOL on credit cards/revolving accounts in CA is 2 years. I know this because it has been established with my case. Asset tried everything to get it out of California courts. Weasels. They lost in Federal Court being fined the largest fine ever for a debt collection firm ($2.1 million). I think it was in 2012. You can google it. They were hit with the fine for going after debts that were time-barred (the SOL had expired). So you best mention that first thing. Make that statement. They never responded to my comment that it was time-barred. 3 months later when they realized their mistake,
  22. This is an update to a post of mine from way back when...I think the last post was in August...possibly September. My apologies. Brief scenario. Dell Financial Asset claims they purchased the alleged debt Johnson Mark hired to "go for the juggler"....the idiot attorney actually said that in court documents. The bonehead. I had done all the wrong things. JM snuck it under the wire calling it Mandatory Arbitration (state of Oregon), failing to say "court appointed"...many thanks to those of you that educated me on the difference. I was late on responding to items..but then, so were th