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Goody_Ouchless last won the day on March 27

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About Goody_Ouchless

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  1. Hi I need help responding to a creditor who is suing in the state of Texas .. they are synchrony bank and I need a template to start the general denial and then I was wondering how to to start the process to send the templates to them as needed to fight the case. I want to do this way as I was successful with yall's help with a company called portfolio recovery this way. Can you guide me in the right direction? 


  2. Their though is that with vigorous rehabilitation you will find yourself back in the workforce, when they can then garnish your wages.
  3. Main thing is to include language that says that you are not "settling a debt" and this in no way is an admission of indebtedness and was just done to say litigation costs, etc. Something like that so when you get a 1099 you can try to contest it.
  4. Perhaps you are making things too complicated - like if you set a bottle on a table, you don't need to understand the physics behind gravity to know that the bottle won't float away. Same with CC debt. If you stop paying your debts, some lenders will sell that debt to somebody who will take a more aggressive approach to collection - including filing a lawsuit. The rules of civil procedure, and relevant statutes are all well understood. There's no mystery to this.
  5. Check youtube for those folks getting owned by law enforcement. "I'm not 'driving,' I'm 'travelling'!"
  6. What is the cause of action that is going to lead to a payout - that "least sophisticated consumer" would take what she said literally and decide that the only way out of this debt was to "take the pipe?" Basically misrepresenting the nature of the debt? Hell of a lottery ticket if it works!
  7. Human tolerance will expire way before that!
  8. Till Labor Day or the collapse of Civilization, which ever comes first - just like for everything else.
  9. I suppose someone could take a scam to the level of sending fake paper work - pretty clever if they get your credit report and see a Midland entry. Have you contacted Midland through their website? Is the number on the paperwork the same?
  10. I'm sorry - and she'll probably get in trouble if you have it recorded - but it's been two days of lock down and I needed a laugh. Unreal.