marianneliberte

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About marianneliberte

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  1. My Equifax credit report includes two entries that appear to be accurate in all ways but they include this inaccurate comment: "Payment is payroll deductible". Research elsewhere suggests that this indicates that my wages are being garnished in order to repay these two debts. That is not accurate. One account is closed but I make payments directly to the credit card company (Chase), and the other account was charged off and I make payments to the creditor's (Bank of America) collection agency. I was not sued by either company; with Chase I simply continued to make payments on their website, an
  2. This situation worked out, thankfully. I contacted the collections agency for the OC and asked whether a law suit had been filed. No suit has been filed. The Agreed Judgment was sent in error, and a new settlement agreement is being sent out. phew. Thanks, all!
  3. Yes, in a way. I spoke with the non-attorney who is the only type of representative working for the attorney with whom one can speak. I called the number provided by both the OC and the letter from the attorney, and the staff member to whom I was directed is not an attorney but works for them. Same office.
  4. That's what I'm figuring. Sigh. As for it being null and void or them not filing it; given the additional page that grants them a post-judgment of interest, I suspect they would file it in order to get that extra ~$750 of interest.
  5. Question: Is an Agreed Judgment necessary in this situation? I want to pay the full balance on a credit card debt. I received a notice of intent to file civil law suit from a collections attorney representing the Original and Current Creditor (same bank). I contacted them and over the phone discussed terms (a payment plan) and requested the paperwork for a settlement agreement of those terms. I received in the mail a 1) settlement agreement, and 2) an agreed judgment. They have asked me to sign both and return them. In the settlement agreement it says: "During the conversation, you e
  6. I got the core answer I needed this time from the Bank. I wasn't permitted to speak to the legal department, but finally someone in the collections department was able to confirm that the OC still owns the account and that is has been placed with the agency/firm that contacted me stating their intent to file suit. I feel much more secure in knowing with whom I'm communicating now. Thank you both. Follow-up question (this should probably be in another forum, but I hesitate to open another thread): I've seen consistently in the forums that it's bad to agree to anything by phone wi
  7. Contacting the OC's legal department makes sense. I'll give them a call now. As for why I'd prefer to not let this go to court if I can help it: I cannot afford an attorney and to pay my debt. My job is too time-intensive to allow me to learn how to defend myself. I want to pay off my debt to the OC if possible and consider that a moral obligation if I have that option available to me still. But I don't want to pay the wrong party.
  8. Charged off in mid-2015. It does show a balance on my CR, under the OC's name. Good to know, thank you! So my next step is to try to get this resolved before it goes to court. They say they've already printed the suit. I don't know if I have a week to try to get a debt consolidation loan approved in order to accept the lump sum settlement or if I should agree to the monthly option. They're not willing to send me any settlement offers in the mail; only willing to mail a settlement agreement for me to sign. I've seen consistently in the forums that it's bad to agree to anything by
  9. The bank was the OC. I think Card Services was the servicer. That the phone rep in the collections department of the bank wouldn't know -- OK. If that's possible, then that makes me feel a touch better about the weirdness of this. The OC reports this as a Charge-Off. This is not listed in the Collections section of the report. It's listed as Status: CHARGE-OFF, with the comment: Charged off account. Account closed by credit grantor.
  10. Question: Does it matter if the collections attorney is lying about who they represent if I know they now DO own the debt? Am I right that they own the debt? Texas resident. . I have two accounts in collections from 2013/14 when I was unemployed. I let my fear and shame rule me, so I did not talk to my creditors at the time, and have since then been at a complete loss as to how to proceed. I am now determined to get ahead of these. My finances are now back to where I can make payments. I have also applied for a Lending Club loan in order to pay all at once, but I don't think I will b
  11. I chose to call them. They denied my 25% offer and ultimately made an offer of 57%. I have not yet agreed. I'm leaving this post open in case the phone call question is useful to someone else, although I'm past that point.
  12. Question: Can I call them to start the conversation and indicate that I want to settle? Understanding that all must be in writing from them before payment/etc. Texas resident. I am trying to figure out my best next steps. I have two accounts in collections from 2013/14 when I was unemployed. I let my fear and shame rule me, so I did not talk to my creditors at the time, and have since then been at a complete loss as to how to proceed. I am now determined to get ahead of these. My finances are now back to where I can make payments and can Dave Ramsey-style pay off all my credit card