zzz123

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About zzz123

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    Georgia
  1. Thanks NorminGA! I actually tried using some of your verbiage in the web portal response, but the site had character count limits. I filed the denial of their 3 claims and used the headers for counter claims of FDCPA and FBPA in the web page. I plan on filing and sending the long form versions via printed out. I am still amazed by the way this process works, and that someone who is judgement proof like my mom or your dad still is responsible to fend off this crap that could be completely fictitious....
  2. Thanks all for the very valuable assistance here! Clydesmom - I have no intent to represent my mom, just to offer her assistance and guidance on answering the claim and when/where/how she needs to be:) Thank you also for the info on the laws requiring banks to validate garnishable income - I had no idea but have seen horror stories in my research about this sort of thing.... FHC - the calls were not recorded(other than time date) but 2 of them were actually to her cell phone, which I have access to. I think it's worth filing the counter knowing the claims might be difficult to prove, but
  3. Thanks, i read the other response too, not sure how i got 2 threads:) We do not have a copy of the contract, which is unsettling. I would assume either they don't have it or we won't get it until the court time. I did research earlier to see if this could be used to dismiss due to a procedural violation, but looks like our state is friendly to JDBs this way.... I do have a few written records of calls to her and a relative over the last year(since the time LVNV says they took ownership) where there were FDCPA violations - 2 criminal threats, 2 after 9 PM, all 3 misrepresentations of identi
  4. Thanks, I was aware of this but have read quite a few horror stories regarding who's responsibility it is to not allow the garnishment. I would rather defeat this if possible once and for all than fight it between the court and bank after the fact.
  5. Hello, all. New member here, and hope to find help with a matter that has arisen for mother, who is retired and has only SSI income now. She has been served with a suit from a debt buyer, and the response is due in a couple of days. I have found lots of helpful info here and appreciate that, but want to post before crafting her pro se answer in case I am missing big things, or there is a possibility for a motion to dismiss, etc... Suit is in Magistrate Court of Coweta County, GA Thanks, WH in GA 1. Who is the named plaintiff in the suit? LVNV FUNDING LLC as assignee and purchaser
  6. Hello, all. New member here, and hope to find help with a matter that has arisen for mother, who is retired and has only SSI income now. She has been served with a suit from a debt buyer, and the response is due in a couple of days. I have found lots of helpful info here and appreciate that, but want to post before crafting her pro se answer in case I am missing big things, or there is a possibility for a motion to dismiss, etc... Thanks, WH in GA 1. Who is the named plaintiff in the suit? LVNV FUNDING LLC as assignee and purchaser of Springleaf Financial Services Inc. 2. What is t