Rev_Rock

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About Rev_Rock

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    California
  1. I received something from a collector that stated it was offering me a chance to "save" money by paying a reduced amount on what I 'owe' to Midland. I knew the account was far past the statute of limitations for California, and was going to send them a letter to dispute, but when I kept reading, it actually said that the account was to old to file suit on. I just chuckled to myself and filed it away.
  2. Thanks RyanEX. Yes, the stress is relieved. I haven't received anything from Persolve yet, but here's the details from the court's website. I feel that it covers the agreement pretty well: "MANDATORY SETTLEMENT CONFERENCE. THE ABOVE ENTITLED CAUSE CAME ON REGULARLY AT THIS TIME TODAY FOR HEARING WITH PARTIES AND COUNSEL PRESENT AS FOLLOWS (I removed names and $ amounts for privacy]: PERSOLVE, LLC (PL-1) APPEARS BY [counsel]. [Rev_Rock] (DE-1) APPEARS IN PROPRIA PERSONA. COUNSEL STATES MATTER HAS BEEN SETTLED. COUNSEL STATES THE MATTER IS SETTLED AS FOLLOWS: THE DEFENDANT WILL PAY
  3. Well, I really want to thank everyone who has commented and lent their support. I went ahead and made a lump sum settlement deal with them. If I were a single guy, I might've fought them all the way, but my wife has health issues and the stress of this whole thing hasn't been good for her. The settlement wasn't ideal, but it's tolerable and doable, so I went with it. Thank you all so much for everything! I really appreciate the support and advice you gave. At least, they didn't get a default judgement against me! My settlement was much, MUCH better than that!!
  4. So, if I'm understanding you correctly, unless they can show my name on that "spool" of debts that they bought, they don't have the evidence they need? If it goes to trial, I need to object to the affidavits also? Upon what basis? Sorry, but I'm not a genius when it comes to legal stuff. I prefer plain-speaking. I guess that's what I hate at work, when trying to decipher union contracts! :'>
  5. Thanks again, Anon. I'm not real clear on what you mean by whether the chain of title is "authenticated". They have copies of my account, an affidavit from a person at Citibank, showing that the account was sold to Security Credit Services. Then they have a bill of sale and "affidavit of sale of account by original creditor" from Citi to Security Credit Services. Then a "certificate of conformity". Then an "assignment and bill of sale" from Security to Kling Portfolio Acquisitions, then on to Persolve. Seems like there's a clear chain of title here, so I'm not sure what I could challenge
  6. Okay. Received paperwork from Persolve today that looks to have "all their ducks in a row" on the debt. It shows the transfer from the original creditor to one debt buyer, then to Persolve's debt buyer, then to Persolve. My mandatory settlement conference is next Thursday. Any suggestions on what I should say/do? Do I have any leverage to try and settle for a lesser, lump sum amount? Just need to have all my bases covered and not get caught off guard.
  7. Okay, I'll get my BOP out ASAP. On that note, can I request the amount they paid for the debt? I'd really like to make them divulge that information, just as an additional bargaining chip.
  8. Well, the court date was the other day. Here's what the court website shows" "7/24/2014 ORDER TO SHOW CAUSE IN RE DISMISSAL THE ABOVE ENTITLED CAUSE CAME ON REGULARLY AT THIS TIME TODAY FOR HEARING WITH PARTIES AND COUNSEL PRESENT AS FOLLOWS: ATTORNEY A. EDWARD BRISENO MAKES A SPECIAL APPEARANCE FOR EDIT ALEXANDRYAN ON BEHALF OF PERSOLVE, LLC (PL-1). NO APPEARANCE BY DEFENDANT: Rev_Rock. COUNSEL FOR PLAINTIFF STATES MATTER IS READY TO BE SET FOR TRIAL. THE COURT ADVISES COUNSEL THAT MATTER NEEDS TO BE SET FOR MANDATORY SETTLEMENT CONFERENCE BEFORE IT IS SET FOR TRIAL. UPON MOTIO
  9. Since they list some tentative rulings on their website (Kern Co., California), I think it's safe to assume that they use that method. I'll keep watching the website, and maybe even call the court to see if I need to be there. I doubt it. Since they've filed this, is sounds like they likely either don't have the evidence they need, or would rather try to settle through arbitration. Does that seem right to you? I would be willing to settle with them for about 25 - 50% of the principle amount, just to get this thing over with, but will play hardball all the way. If they won't settle for
  10. I'll finish my BOP and get it to them, in the meantime.
  11. I'll keep an eye on the court website to see if it shows up, and a date, etc. set. So, I take it that I won't necessarily have to show up, since it will likely be removed from the court's docket for that day?
  12. Thanks for your response again, Anon. Lo, and behold, I just happened to receive something in the mail today from Persolve. Looks like maybe they want a continuance? It states all the actions so far, then it says the following: "5. Plaintif notes it will be available for trial afer December, 2014. Plaintiff will also be unavailable September 15 to October 20, 2014 (for nuptials). 6. This declarant respectfully requests the court vacate the OSC why sanctions, including dismissal should not be imposed for failure to file a Default/Default Judgment and either set this matter out for tri
  13. So, what can expect when I go to court in two weeks? Regrettably, I didn't get the BOP done (long story, but I know it's not the end of the world), but from what I understand, I can request things during discovery, right? The court date is the very first hearing for the plaintiff to "show cause". Basically sounds like a preliminary hearing to me. If it happens that no one shows, can I request dismissal? Anyway, I WILL show up, regardless. Just need to know what to expect. Thanks again, everyone!!
  14. So, do you think that this a tactic that they used to make it look like the debt legitimately changed hands? That "transfer" was the only thing, as well as the last 5 months of credit card statements, that was included in their 'validation'. Could it be a good indication that they do not have proof that they purchased the debt from Citibank? And, Anon Amos, I'll get right on that BOP! Thanks again, everyone!!
  15. Getting back to this BOP thing, the summons says "Complaint for money based on: 1) Open book account; 2) Money lent; and 3) Account stated". Would this be a case of sending a BOP? I'm mixed on this thing. In one way, I want to settle and get it over with, so I don't have to appear in court over and over, and jump through numerous hoops, dragging it out for a long period of time. Then, in another way, if I thought I could persevere and win, it would be nice to not pay them. Another thing I just finished investigating: Persolve included a "receipt" that supposedly shows that a credito