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Everything posted by jlock45

  1. Hi I need help responding to a creditor who is suing in the state of Texas .. they are synchrony bank and I need a template to start the general denial and then I was wondering how to to start the process to send the templates to them as needed to fight the case. I want to do this way as I was successful with yall's help with a company called portfolio recovery this way. Can you guide me in the right direction? 


  2. I won a case a while back where I answered a general denial and then did discoveries with them back and forth and it was dropped and it was with portfolio recoveries. Is there a forum I can follow for that procedure?
  3. Can I have a template on a general denial I have 14 days to respond?
  4. I appreciate everyone always answering me. You are all always very helpful.
  5. @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
  6. @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.
  7. @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 themse
  8. @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?
  9. 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 f
  10. @Goody_Ouchless Thank You!
  11. @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?
  12. @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.
  13. @Goody_Ouchless Thank You!
  14. @Goody_Ouchless Thank You! Is there anyway to get them to to remove it completely after it is paid?
  15. @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?
  16. 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.
  17. 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 a
  18. @ChristineBB I am sorry to hear that. I am not trying to buy a home I just wanted it removed but like Clydesmom was saying there are are many factors involved and everyone's case is different. I understand though your frustration especially if something is inaccurate. Beleive me it amazmes me too. I hope evrything works out for you!
  19. @Clydesmomthank you ! You have always been very helpful.. I appreciate it.
  20. @BV80 and @Clydesmom I am not trying to buy a home. I already have a home. This was simply a question I had in regards to my case. My banker whom I am referring to just simply stated if anything is invalid it needs to be disputed. This had nothing to do with a mortgage.
  21. @BV80 and @Clydesmom I am not trying to buy a home. I already have a home. This was simply a question I had in regards to my case. My banker whom I am referring to just simply stated if anything is invalid it needs to be disputed. This had nothing to do with a mortgage. I asked her a question when I was at my bank.
  22. @bv80 my banker said it would be beneficial for it to be removed and since it was just dropped by PRA themselves then the bureau will turn around just like I did and ask them to verify within 30 days or it will be deleted if go ahead and dispute it. They never answered any of my discovery and dropped my case. I would like this off of if my report because it effects my rating.
  23. @bv80 For the Original Creditor it reads opened in 07/09 reported in 08/15 past due $0 payment section reads profit & loss then last active 2013 high limit 330 account transferred or sold : closed 08/15 , last active 10/13 Then for the JDB it reads as follows: opened in 07/15 high balance 406 collection 12/15 under payment section then balance 406 and then reads oc name and reads closed is there anthing I can do on this to get it removed ?