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logcabin

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Everything posted by logcabin

  1. Thank you all, I think I’ll wait a month and see if another comes.
  2. So, no need to worry about a DV letter? Would they have purchased this from the other DC, and are trying a new tactic to collect anything at all?
  3. Last year we received a collection letter, and thanks to everyone in this forum, I was able to file for arbitration, and we never heard from them again. It is past the SOL in MI, which is 6 years. Now we have received a letter from a debt collector (cav.......), and they are offering a 60% discount, (LOL) payable in a 1 time payment, 18 monthly payments, or 36 months. “This offer expires 2/3/18, and they are not obligated to renew the offer”. Then near the bottom of the letter, it states: ”The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it, even if you make a payment or promise to make a payment. We may report information about your account to credit reporting agencies”. The debt is from Citi, and was originally 19,xxx.xx. It also goes on to state : That this is an attempt to collect a debt......... My question is do I need to start the arbitration process again? Do I need to send a DV letter? Or do I just ignore this? I’m afraid if I ignore it, it may come back to bite me in the butt down the road. This has never shown up on the CR.. Thanks for any and all of your help/insight.
  4. That’s the thing, there is no interest mentioned anywhere on the judgement or anywhere else.
  5. OK, that helps. I know on my end, what I’ve paid, so I’ll just keep deducting it from the amount on the judgement form. Thank you for you help.
  6. Ok, I sent a DV letter, and since my last post, they did go thru the courts to have a change of attorney. The response I got to the DV letter, was the original judgement and the amount I still owe. I sent a letter to the original law firm requesting an accounting of the payments I have made since the judgement, and I have received nothing. I know they received the letter because I stapled it to the check, and the check has been cashed. I also sent a 2nd request to the new law firm requesting an accounting of all payments made post judgement. Where do I go from here, in order to get an account of all payments made post judgement? I shouldn’t have to just “accept” their amount due, without some kind of statement.
  7. Thank you all for such great info. I’m going to do some digging into this along with sending a DV letter, and payment ledger request. When I received the judgement, the lawyer, told me that they may sell the debt off in 5 years or so, because they don’t want to carry it on their books for such a long period of time, so it’s really making me wonder if this was sold off, or taken over by a new law firm at the request of the OC. Not sure if it would make a difference either way. Onto a different question. When looking at my CR, it shows a report from Chase that says, “current payment status” - in collections/charge off, amount past due - 0, balance - 0. Remarks say: charged off as bad debt, cancelled by credit grantor. So, another words, this one also says 0 balance. I believe it is past the SOL, the last payment made was 5/20/2011, but says it was closed 2/2012. So, is it 0 balance because it was charged off? And when can I get these off my CR?
  8. yes, I’m looking for post judgement. I know how much I have paid towards the judgement, but it is different than what this new law firm is saying I owe, and I have never received any kind of statement from the other law firm, so I never knew exactly what their balance was. I know that it is not adding any interest either, so I’d like to find out how they have arrived at their balance. In checking my credit report, it shows that I have a 0 balance with BoA, and that it was charged off. I understand the charged off part, and that that is basically an accounting function for their benefit, but what I don’t understand is that it says there is a 0 balance. It also shows the most recent payment was in Sept.2017, which is correct.
  9. Yes, I did misunderstand. Is there anywhere I can get a copy of previous payments? I will also try to contact the OC, that is a good idea. I hopefully can find someone that has that info.. Not quite sure how to go about finding the right dept. at B of A, but I’ll do some searching. Thank you so much for your help, I’m a bit green. I’ll keep you posted.
  10. So if I’m reading this right, they should include the number and amount of previous payments OR a copy of the judgement. Can anybody get a copy of a judgement? I don’t feel like the total amount they sent me is equivalent to the number of payments. How would I ever get a statement on that? I don’t want to just take their word for it.
  11. Thank you Brotherskeeper. One more question, I have a DV letter that I have sent out in the past, but should I include that paragraph from the link you sent or just let them do their thing? (another words, will they just roll their eyes at that, and think they’ve got a “know-it all” on their hands)?
  12. Thank you so much for the info. I will send out the DV letter, in it, could I ask for a listing of payments made on this judgement? I have never received any type of statement showing the payments and subsequent balance. In their letter from the new law office, they just list a balance, and how do I know if that is right or how they arrived at that amount? And the old law firm wouldn’t send me anything to let me know it’s been transferred to someone else? I’m sorry to shoot out so many questions, but now days, there are so many scams, etc. I’m really leary of just starting to send money to somebody new, even once I received something from the new office. Those scammers are really good.
  13. Ok, so I contacted our court, (I live in MI), and there has not been anything filed in the court system. So I have no proof this new law firm has taken over. Nor does the court. So is there anything that I can do other than send a DV letter? Legally have they violated any laws?
  14. Thank you so much Clydesmom. So at this point, I will send in a DV letter, plain and simple. While I’m buying time, do I still send in the check, yes, it was in writing in the judgement, but do I send it to this new law firm? Will this go to court again? That was the most stressful thing I have ever been through and I don’t want to go through that ever again, so is there something I can do to ward that off?. Am I best to try to just continue on the way I have been with this new law firm? Sorry, for so many questions, I feel like my BP is rapidly rising already over this, and I was trying to be so vigilant in my payments, never missed one, always on time, and so this is starting to freak me out.
  15. Thank you for the info. So, where do I go from here. I was required to pay 100 a month, and I sent it in to the first law firm. Do I continue to send in the payments? Can they pursue a larger payment program or any other things, like garnish wages, etc? Do I reply to this letter then? I’m afraid if I don’t respond, they will go to court again for one thing or another. I’m not in a position right now to try to settle, but at some time down the road would that be something I could try to do, is settle the debt for a lessor amount?
  16. Hi, I had a judgement against me, (sadly, I didn’t know about this site then), 5 years ago. I received a letter from a different law firm, saying they represent BOA, and the current amount of the debt is 16,xxx. I’m going to put the next paragraph verbatim to make sure I get it right. Unless you notify our office within 30 days after receipt of this notice that you sipute the validity of the debt, or any portion thereof, the debt will be assumed to be valid by our office. If you notify our office in writing within the 30 day period, that the debt, or any portion thereof, is disputed, our office will obtain verification of the or a copy of the judgement against you and a copy of such verification or judgement will be mailed to you by our office. Upon your written request within the 30 day period, our office will provide you with the name and address of the original crdietor, if different from the current creditor. It was a different law firm that sued me and got the judgement against me, and I never received any notice that they had sold the debt. So, my question is, can I now send a DV letter, and then request arbitration, or because it is already a judgement, I can’t do that. I don’t feel comfortable not responding at all to this letter, but I’m not quite sure how and what to respond with. I would love to request arbitration, start the process, and see where it goes. I did go through that process with a debt my husband had, and the debt was for 19k, and they dropped it, once we requested, and proceeded with arbitration. Any chance I can do that for this and have the same happen? Thanks for your help.
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