jlock45

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About jlock45

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    CIC Member

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    Texas

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  1. I appreciate everyone always answering me. You are all always very helpful.
  2. @Clydesmom I guess I just did not understand why they brought a suit against me and then dropped it for no reason and never sent me anything I asked for but just said never mind we would like to dismiss this all together. Then I didn't understand why they would have their people they hired call me yesterday instead of answering the credit bureaus. They do not need to call me at all. I am at work during the day and they do not need to call me ever period
  3. @Clydesmom in discovery as instructed on this forum and they ignored me and never responded to anything I requested. They would not send me anything ..they jsut dropped it all together and said thank you for doing business with us? Then official paperers were drawn up from them and the court and the suit was dropped. I was advised that they did not expect me to send them anything therefore they dismissed it because they had no validation of what I was asking them to send.
  4. @Clydesmom I did this because they they would not validate any of the information I requested in discovery and they brought the suit. They have called my place of business and have been told to stop. Then after they dismissed the suit without prejudice why would they bring it back to me again when they did not validate anything or even respond to one thing I sent them certified when they hired this attorney. Then I dispute this collection and this attorney is calling me on my cell phone. I just found it very strange that they would call me but I did see where they had been in violations themselves with complaints with the BBB but I guess I just was curious if it was illegal for them to contact me in general but I believe I was told earlier it was not ?? Also, why keep wasting your money sending me something when you have no plans on validating something that I asked you to validate back when you brought on the suit.
  5. @BV80 It was the attorney that called me. Is it not illegal for them to contact me regardless on my cell phone while I am on the job. ? I am not their client and they need to respond to the bureau not me correct?
  6. Hello I have question about a collection account that has been on my credit report that I disputed with the credit bureaus and I uploaded the documents showing where the Portfolio Recovery Associates LLC brought suit against me and then dismissed the suit and never answered my discovery questions or validation on anything I requested. Once I did this I received a call to my actual cell phone while I was at work yesterday from their prior attorney and they did not leave a message. My question is why did they call me? Also, is this legal? In addition to this Portfolio Recovery is in violation from filing the suit to begin with I found out due to the the law suit brought against them with the Consumer Financial Protection Bureau without showing validation of the debt. Also, they are not allowed to resell their debts either. They dismissed their case that they brought against me a few years ago. Can anyone help me understand why thier old attorney would be calling me?
  7. jlock45

    Collections

    @Goody_Ouchless Thank You!
  8. jlock45

    Collections

    @Clydesmom if it were to be paid to a zero balance then regardless they have to provide a receipt that this is paid if this is the route that is chosen?
  9. jlock45

    Collections

    @Clydesmom If I were to contact Pra would I contact the attorney that dropped the case or them directly and if this is the route that needs to be taken even though I won this case then how would I approach this phone call to get this to a zero balance even though we are in a disagreement obviously or I would have never fought this case and won.
  10. jlock45

    Collections

    @Goody_Ouchless Thank You!
  11. jlock45

    Collections

    @Goody_Ouchless Thank You! Is there anyway to get them to to remove it completely after it is paid?
  12. jlock45

    Collections

    @Goody_Ouchless yes iti s a FHA but what did not make sense is we wanted convential but were told our scor was not high enough so we paid off a credit card balance and obtained a score needed and then we were told that our debt to ratio had to be met by us paying these off but two thingsif they are offering smaller amounts why not pay those amountsand ot full amounts if these debts are even owed and then can you do a legal document saying once they are paid they must be deleted off the bureaus?
  13. jlock45

    Collections

    sure Portfolio hadhired an attorney and they dropped the suit bu without prejudice and I know they can pick it back up but I was told the likelyhood of that was slim to none and it was a small amount.
  14. jlock45

    Collections

    Hello I was advised by my lender that I needed to pay off old collection accounts to Midland Funding LLC and to Portfolio Recovery in order to qualify for a home loan. What I do not understand is why I would need to pay on one that I won the case on. I feel I am throwing away my money as this is over 10k that I am going to have to pay out of my equity at closing to these people. If I am to agree to this I want it in writing and I want it deleted from my account. Can anyone offer me any advice on what I should do or what letter I should have written up because my lender wnats the amounts paid and a zero balance reflected on my report.