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LaneBlane last won the day on April 20

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About LaneBlane

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  1. If you're able to sell the vehicle for $10,000, the amount WF will accept as a lump-sum settlement, this may be your only option. If it isn't worth this much, you're probably out of luck. Once WF takes possession of the vehicle they will sell it or have it auctioned. You'll be responsible for any difference between what you own and what the vehicle sold for (including fees).
  2. The JDB is challenging you. They want to see if you're willing to file a sworn police statement. If you file a statement that says you didn't sign the agreement, wouldn't you be accusing BofA of fraud? Because the loan agreement in question was taking the place of another agreement, there would be no financial incentive for anyone other than BofA to do this. Tread very carefully.
  3. You're the only person capable of making this decision.
  4. There's a big difference between not remembering something happened and knowing something didn't happen. If you are in a position where you feel comfortable filing a sworn statement with the police, swearing you did not see, agree to, or sign the document, then you should. By no means should you ever file a false police report.
  5. I would refer to my bank records from the date of the statement and in the months prior to see if I made payments to the original creditor. If you did, you'll know the account likely belongs to you. Do you know the last date they claim a payment was made on the account?
  6. I honestly don't believe you're capable of handling any of this on your own. That said, the only advise I can offer is for you to consult an attorney help you with some damage control or discuss moving forward with bankruptcy. I wish you well.
  7. You are making absolutely no sense! A conspiracy against you? By whom?
  8. Unless you took the time to call AAA this afternoon, you're still asleep!
  9. As I was told by a very wise person on these boards, you can't expect other people to do the work for you. I would call AAA today. Write a SIMPLE outline of what has transpired so you'll have something in front of you while you're on the phone... just in case you find yourself at a loss for words. Be professional and courteous.
  10. Why don't you go back and read that post?
  11. You really need to start paying attention. Look at fisthardcheese's post from earlier this morning.
  12. The OP needs to make sure they don't muddy the waters with a lot of unnecessary details. If this is a straight-forward clerical error, the error should be explained as simply as possible. A copy of AAA's notice showing the 22K account was closed should be provided as an exhibit.
  13. As soon as you realized the $22k case was being heard, even though it had been closed, what action did you take? You should have already sent that letter in as an attachment to an objection.
  14. Am I correct in saying the $22k account was closed for non-payment before the arbitrator's ruling? If so, do you have a copy of a letter from AAA that states this?
  15. While you're in arbitration you should conduct yourself professionally and follow AAA's Consumer Rules. This is where you'll find many of the answers you'll need: Rules.pdf Wouldn't the terms of a consumer's arbitration agreement take prescience as far as whether they can appeal? I didn't see anything in the consumer rules regarding appeals.