DebtInGa

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Everything posted by DebtInGa

  1. I am working on repairing my credit but GA tax liens are hurting my score. I had liens filed against a closed business. Under the same Fifa# the state filed 2 different liens 1 against the business, and 1 against the business with me as individual. I have paid the liens but the file and release are showing on my personal credit reports as two different entries. My personal credit report lists a lien filed without a paid date, and a seperate release as paid. Is this the correct way they are reported? I am getting 2 hits for every lien even when paid. Example Tax lien record abc123 Amount 100 Filed 1/1/15 Paid Tax lien record qqq111 Amount 100 Filed 2/1/15 Paid 2/1/15 I went to the courthouse and got copies of both records. abc123 is the original filing of the Fifa, and qqq111 is the payment/release of abc123 as paid. I am confused as why abc123 is lot listed as paid, and why is an additional lien listed for payment. Is this something I can challenge with the credit reporting agencies?
  2. I am working on repairing my credit but GA tax liens are hurting my score. I had liens filed against a closed business. Under the same Fifa# the state filed 2 different liens 1 against the business, and 1 against the business with me as individual. I have paid the liens but the file and release are showing on my personal credit reports as two different entries. My personal credit report lists a lien filed without a paid date, and a seperate release as paid. Is this the correct way they are reported? I am getting 2 hits for every lien even when paid. Example Tax lien record abc123 Amount 100 Filed 1/1/15 Paid Tax lien record qqq111 Amount 100 Filed 2/1/15 Paid 2/1/15 I went to the courthouse and got copies of both records. abc123 is the original filing of the Fifa, and qqq111 is the payment/release of abc123 as paid. I am confused as why abc123 is lot listed as paid, and why is an additional lien listed for payment. Is this something I can challenge with the credit reporting agencies?
  3. @BV80 The alleged debt owned by CACH is a business debt with my old business and me a guarantor. It was filled in magistrate court 4/12/12 using the old business address, closed 7/2011. I was finally served 2/10/14, and responded. I will look into the FDCPA violation. Is there any other recourse for me to initiate action in the correct county? The attorney admitted today they didn't have proof to move forward with trial, and asked for a continuance. I was relieved when she entered the court room with only a few pieces of paper. The other three people were asked if they wanted to settle, and they left the court room to discuss. I assume I was not offered a settlement because I denied the debt. I was scheduled to be the first case but she asked the judge if settlements could be heard with the other three before presenting my case. Ironic how a denial changes everything, and she didn't want the other three to hear they couldn't prove my debt. I will receive documents from the magistrate for dismissal without prejudice in the mail. If the language states L&G could not proceed because it did not have proof at this time, I am assuming I can send this to the CCRA and have it removed until a time when they decide to file again in magistrate court. Beside FDCPA is there anything else I can use to press them now. I know they won't ever have the documents to prove a case, and I want to end this sooner than later.
  4. My first post. I didn't post earlier because I found answers to all my questions in other threads. This forum provides a wealth of information, and I thought I was prepared for magistrate court up until I was called before the magistrate and presented a curve ball. A local attorney filling in for Lazega & Johanson asked for continuance because I filled a response denying the debt and they needed more time to gather the evidence. The magistrate tried to help me, but I didn't look into continuances. I didn't object, just stated that I filled a response, and if at any point I didn't file or show up in court they would have been awarded a default judgment based on the documents provided. If these documents are not enough information to win a case then a case should have never been filled, or be allowed to prove default judgment. He agreed. I didn't object to the venue in my response, but the magistrate noted my current address for correspondence, and dismissed without prejudice, and informed the plaintiff any and all activities should be filed in the correct county. I am already planning my response for when they refile. When that information arrives I will post the documents, and my response. Until then I will continue reading the great advice you all provide, and learn everything I can from your wisdom.