CommoSGT

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Everything posted by CommoSGT

  1. I received a dismissed with prejudice on both of these PRA TLs on Saturday.
  2. I am referring to PRA's TL on my credit report. They show as $0 balance but still open.
  3. @BV80 @debtzapper Howdy.... I am back albeit briefly. Since I posted here last I have found out that my dad has terminal cancer. We are trying to make up for lots of lost time...and still won't get enough. That is nothing the board can help with. What I do need help with...I have two accounts with PRA that hit and I wasn't able to focus and fight them...and lost. I have paid them in full about 45 days ago and they are still on my CR as open but showing a $0 balance. Shouldn't they change to paid or closed or something? Thanks in advance for your help/concerns.
  4. The accounts related to the disputes may have been older accounts with long histories. I had one that was 17 years old but was just recently became a problem. When I beat the JDB and they removed their entry, it removed the original account to and that caused my score to drop.
  5. Yes, it does. But I haven't heard of many seeing a debt again, at least not from the same JDB. Congratulations on your win!
  6. Have one written and take it with you in case he tells you it has to be in writing.
  7. Credit report shows charged off and the amount is higher than the 1099-C. The code on the 1099-c is G which says it was due to a decision to cease collections. The issue date of the 1099-C is exactly 3 years and 1 day after the last payment date. I have asked the credit bureau to verify it 3 times now and each time it has come back as verified. By the way, this is Chase.
  8. Let me get this straight... If you have received a 1099-C from the OC, and have asked the credit union to verify the details and it came back as verified and is still listing a balance that is not 0; file a lawsuit and have fun with it?
  9. Typical Midland...they put the responsibility on the consumer to contact them to get the lien off of their property. " If Midland has a judgment lien in place against your property in connection with your account that you would like removed, please contact Midland directly at 800 825-8131 ext. 33062." This came from the KCC website.
  10. The problem is, I have received a 1099-c from a creditor who sold it off about 18 months later and the JDB filed the lawsuit. I have been trying to see how to attack such an issue.
  11. @BV80 @nascar The affidavit just says in para 5 "The documents attached..." How can that fly? They could attach all kinds of stuff and the affiant has sworn that she has reviewed them and did it under penalty of perjury. Is that a valid point to attack? Ask her to testify to what she attached to the affidavit?
  12. @fisthardcheese Counts as a violation if they aren't reporting it closed and paid right?
  13. Worse yet, how many of those consumers are involved in litigation that will complete before any of the affected companies content them. Then the Consumer won't get contacted because their matter was settled, albeit after the order so there is no need in the opinion of the company to contact them.
  14. @retep Seems that therein lies the weakness. They leave it up to Citi to determine who is affected and to address the matter. I was/am affected by this CO, the one against Encore, and the one against PRA, but have been told they will contact the affected parties. I have yet to be contacted.
  15. @Harry Seaward In the Consent Order I think there was a person at the CFPB that was appointed the keeper of the case. Contact them or the State Attorney General and see where that goes. I would think you personally would have to have a dog in the fight to carry any weight with either party though. FYI - to get certified copies of the Consent Orders (or any CFPB orders) send and email to CFPB_DocketClerk@cfpb.gov with your mailing address and the docket number. It took me about 3 to 4 days to have them in my box.
  16. Look at Para 7.(m) from the order...then file a complaint with the CFPB.
  17. Anyone have any tips on post judgment settlement with PRA? I have a default judgment that I am trying to settle and looking for advice.
  18. I may just contact the State Attorney General and let their office deal with it. I am not in this to make money but I am in it to protect my resources
  19. All, I flipped my thread...my bad. When i started talking about phone calls it was all portfolio. They have quit calling since the Consumer Attorney contacted them and informed them we were aware of the tcpa. @nascar Would the MDL suck my case in even though I am in KY?
  20. Only took them 6+ months to do it too.
  21. @BV80 @CCRP626 @fisthardcheese @Harry Seaward Well, add this to the strangeness that is Portfolio. Received this letter after I had my cellphone call discussion with them. This has a 30 day notice in it, but we have already been going round and round with court and discovery. They took 7 months to answer discovery for this account and then it was just a copy of the same account statement from the OC. PRA1.pdf PRA2.pdf
  22. @marquez You should contact that attorney with all of these. @CCRP626 Ky does allow judgements to be renewed.
  23. CFPB requires them to include it per the Consent Order. There was a case I saw talking about the "attorney for" and the Lawfirm Letterhead being an issue for them too if they are not litigating. Wish I could remember right now...been a long 9 days for me unfortunately.