logcabin

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About logcabin

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    midwest
  1. I have an outstanding judgement that I have faithfully paid on for the last 5 years. I pay 100 a month, and I still owe 14,000. I would like to make an offer to settle this debt and I’m wondering what I should start with. How low should I offer? I know I’ve read that I should require a few things upon settling but can’t remember what exactly they are. I’d love to get this “monkey” off. my back. This debt it to BOA, and the original law firm doing the collecting, has since passed it off to another law firm. Thanks for any advice.
  2. logcabin

    Collections after SOL

    Thank you. I’m just curious why Cav. would turn it over to Total Card inc.
  3. logcabin

    Collections after SOL

    Sooooo, I’m back with another question about this debt. We now have received a letter from Total Card, Inc., representing Cavalry (who is the owner of this debt), according to the letter. It was originally with Citi, and is past the SOL. It has never showed up on our credit report. Back in March, I received a letter from Cavalry saying: The law limits how long you can be sued on a debt......etc. At that time, some of you said to ignore it, and some said to send a C and D. We ignored it, and received 1 other letter. Now we have received this new one from Total card, Inc., representing Cavalry. It basically says the same thing, but on the back of the letter, it does say: Unless you notify this office within 30 days after receiving this notice that you dispute the validity, this office will assume this debt to be valid. On the front side, it does have the paragraph that Cav. cannot sue...... I would have just ignored this letter also, except for the part on the back about validating within 30 days. In some respects, I hate to have any communication start up at all, after all this time. What are your thoughts on this?
  4. logcabin

    Collections after SOL

    Bummer.
  5. logcabin

    Collections after SOL

    Interesting. I know this probably isn’t worth much, but I did go and check and my cell has been on the DNC list since 2006, and is still active on there.
  6. logcabin

    Collections after SOL

    I’m not going to say “never”, but I rarely give out my cell number. No Dr.’s offices, any businesses, credit cards, etc. Very rarely do I dish that out. I’ve always been very protective of that. But. . . . it could happen, just unlikely.
  7. logcabin

    Collections after SOL

    Yes, thank you for your research, much appreciated. I won’t be doing any suing unless going forward, after the C and D letter, they violate some obvious rules. Yes, I said “almost”, so I don’t know 100% if my cell # was given out or not. But unlikely I would guess. But that being said, how do they manage to get your cell # if it was not initially given out?
  8. logcabin

    Collections after SOL

    I almost never give out my cell number. I have a landline that I use exclusively for this type of thing, but I’m not sure where they would have gotten my cell number. Anyways. . . . . I’ll send a C and D letter, just a simple one liner and see what happens from there. I’m thankful for everyone’s advice and that you caught my boo boo about mentioning a possible violation, thanks, fisthardcheese. BTW, I live in MI if that has any bearing on the info you have provided.
  9. logcabin

    Collections after SOL

    Thank you Fisthardcheese, I love this. I am really green at this, I did not know that they cannot call my cell phone. I will draft a cease letter, and include some info from above on the cell phone calls. Thank you for all of your help everyone, as always, you are very reassuring to those of us that are uninformed and scared and everything else.
  10. logcabin

    Collections after SOL

    I have not had any contact whatsoever with this JDB. They must have bought it from the last one, but it’s past the SOL, so I’ve ignored all of the contact so far, but now that they started with the calls, I’d like to do something. So, I haven’t revoked anything, because I haven’t done anything. Other than. I have kept everything, letters and now the calls.
  11. logcabin

    Collections after SOL

    I did not send a cease letter because there were a few comments about the wording of the letter, and maybe it would be better if I didn’t send one. At this point tho, I think I will send a very simple one to stop the calls etc. Yes, they are calling my cell, and I will give them some harassment the next time they call. You all keep posting to sue them if they have violations, which I’m not opposed to, but you have to remember that some of us are not as savvy as you all, and it is VERY frightening and intimidating to do that, and basically all I want is for them to stop. But I am keeping track of everything, and will see if they cross that that little TCPA line.
  12. logcabin

    Collections after SOL

    So, we continue to get letters from them, and now they are calling? Do we just continue to ignore them?
  13. logcabin

    Post judgement and the IRS

    LOL, you are so right that will not forget. At least I know what to expect. Thanks for the help.
  14. logcabin

    Post judgement and the IRS

    OK, sorry to keep at this, but I went back and looked at the motion for state tax garnishment, and it shows BOA as the Plaintiff,and then it lists the attorney as the representative for them. The judgement was recently passed off to another JDB, and so I’m wondering if the State would still be able to “find” this garnishment. I’m assuming they would still be able to attach it because the OC has not changed, just the law firm collecting.
  15. logcabin

    Post judgement and the IRS

    Thank you so much for all of the great info. Even tho I searched it out before hand, I can never seem to find the great info all of you manage to give us. Now I know what to look for and proceed from there. Thank you again.