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About danny0220

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  1. so turns out the summons was actually from BoA and not the H&H. The card was made back in 2008 though and on the back of the summons it talks about Alternative Dispute Resolutions, of which arbitration is listed as one. I wonder if they mean to tell me I can go this route? Maybe I should make a new thread on this one to get some new insight from others. I don't really see many OC debts from BoA on the site. Anyway...going to try to negotiate lower today.
  2. So...I was looking through the forum at old posts and going over ones I've read before as they become clearer as I delve deeper into my situation. I was reading on some posts that arbitration should be saved for OC's rather than JDB's. I forgot to mention that I got a packet with my BOP in it. I noticed that it's just some statements rather than the entire summary of the balance from 0 to the current amount. I read somewhere that this is not a full representation of my account, also may be due to them not having all the information. I also did notice the dates were a bit out of order, but
  3. so this just happened. over the weekend some lady was calling me stating she had important documents for me and wanted to verify my home address since i wasn't at home when she went. i figured it was a process server but still wasn't too sure and refused to give her my address at that time (as i wasn't available to meet her) and told her to call me back monday. she calls me back sunday and asks again for me to verify my address. as i was helping someone move, i repeated for her to give me a call on monday. she got a little bothered and we got in a bit of an argument to which she said good
  4. So...as of this moment i have yet to be served papers for any court hearings. I am basically sitting and waiting for the papers so i can proceed with the MTC arbitration....this is quite stressful....
  5. the Case # doesn't start with a SC or LC. only letters in it is CL near the end. I have sent out the BoP and have gotten a packet in return of bills and the like. Looks as if i will be going this route. Could you give me a little more information on "filing with JAMS"? I went the website Jamsadr and have looked over it a bit. By filing and not paying, do you mean that you actually had the case started and sent to a JAMS professional? Could you please elaborate? thank you.
  6. the website didn't specify small claims or limited civil. i just entered my case # into the civil section and it came up without any specific wording.
  7. Does it cost me anything to file with JAMS? i thought i was supposed to initiate the "idea" of them having to go through arbitration. this is where i get a little confused.
  8. Thus far, I can't say they've done anything "wrong". I just thought the arbitration route was a way to get them out of suing me in court.
  9. So here's the deal. I got my mail today and saw this pink slip that stated that there was a suit filed on 2/13. This leaflet letter was from a company that deals in debt relief. Anyway, decided to check on the case # only to find that the suit had in fact been filed. So now am I just waiting on a summons? My plan thus far has been to go the arbitration route. My knowledge thus far from reading through the forums is that arbitration can cost a pretty high amount when compared to my current suit claiming that I owe 2,700ish...The high cost alone should dissuade PRA from continuing with
  10. i just realized the arbitration stuff i posted may possibly be out of date. I don't seem to be able to find anything from anything further back than 2017. as for what I found online for 2017, this is what it states in the card agreement for Gap (banana republic is part of). RESOLVING A DISPUTE WITH ARBITRATION PLEASE READ THIS SECTION CAREFULLY. IF YOU DO NOT REJECT IT, THIS SECTION WILL APPLY TO YOUR ACCOUNT AND PURCHASES, AND MOST DISPUTES BETWEEN YOU AND US WILL BE SUBJECT TO INDIVIDUAL ARBITRATION. THIS MEANS THAT: (1) NEITHER A COURT NOR A JURY WILL RESOLVE ANY SUCH
  11. Thank you for the response! I will be sending a DV letter right away. Do you think it best to avoid all conversations via phone? I personally like the idea of demanding arbitration and paying a settlement fee, but not sure if that'll apply to me. Sorry, I read through the Arbitration provision on the site but it reads like a computer manual. Now on this part. Is there a specific format I should be writing this in or is it in my words expressing my demand for arbitration? I really appreciate your insight and help @WhoCares1000. Thank you. As for arbitration
  12. Hello! Thanks for the response! Who is the original creditor that PRA bought the debt from? Synchrony Bank Banana Republic Credit Card When did you default on the account? October 28, 2016 Thank you for the encouraging words. I keep jumping around topics on the forum for insight but everything is becoming a jumbled mess of words in my head. Plus...there's that fear of court looming over me.
  13. Hello everyone (or anyone who reads this). So I've been scouring the site looking for tips and the like in order to assist in the situation i currently find myself in. I currently have a debt with Portfolio Recovery Associates which has been sent up to Hunt & Henriques, their law firm. I recently received a letter of an intent to file suit on the account and am not sure where to go from here. The current debt is for a total of $2,797.74. I have not sent a letter of Debt Validation and have had little to no contact with the Firm. In truth, I wouldn't mind paying partially