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Indy17 last won the day on March 23 2018

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About Indy17

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  1. @fisthardcheese I wish I knew what I was doing when Port Folio Recovery literally called my almost every day for a year using an Auto dial-er After I told them to stop.
  2. Update to this case. Calvary made a big mistake with this account. I contacted a consumer debt attorney because I had a notice for a class action. This attorney is taking on the class action issue, and looked into this Calvary complaint. Calvary filled this complaint in a county I do not reside in, and claimed I entered into contract with them while being a resident of this county. That is a flat out lie, and my attorney is suing them as well. I will keep you all posted with the results of my attorney.
  3. @nobk4me Thanks for the response. I don't believe citi has an arbitration cause. What then?
  4. Hello Everyone. First thanks to everyone on this site! It has helped me immensely with my debt issues. I had a disaster of a business deal go through a couple years ago, that I am still dealing with the fallout of. I have settled a lawsuit and two other cards for 40%. Stenger and stenger were super tough and I was only able 25% off the principle over two years of payments. I still have a couple people out there after me for nearly 20k. At this point all my debt is in the hands of debt buyers. I just got a notice from a bankruptcy attorney stating that someone has filed suit against me, Although if they filed they filed in the wrong county. That gives me some time. I have money to offer 40% settlement. Is that really my best option? Wait to get sued and offer a settlement??? This new suit is from Schindler and Joyce representing Calvary from a citi bank debt. I know about JAMS and arbitration court. I will probably try JAMS in this case. Although I have been worried about trying file a JAMS after I have already been sued, I feel that the odds of the court letting that play out is low. I wish I pursued bankruptcy when this all started. Now I have a company with a business partner that is a much higher value than my debts. On top of all this, I am racking up debt to the IRS. I can't help, but feel underwater at times. On the bright side, I do have access to money and a decent savings. I have learned some tricks for Indiana. Something that is likely to work is attacking their affidavit of debt, because Indiana law says it must be in pertinent part similar to the state's example- which includes information not usually included in plaintiff affidavits. IS JAMS something I should do before I get sued?? It just seems like I will be out $200 and the debt will just get sent to a new buyer, and I will need to do it all over again?? When Should I consolidate? Should I hire some sort of professional to help me manage this debt? THANKS EVERYONE!!! I Have FIXED HALF of my problems with your help!
  5. @Harry Seaward Thanks. It is not paid in full, I am in a payment plan for this with the OC.
  6. I am getting debt collection letters for a debt that has been resolved with the primary card bank. Is this illegal for them to try and collect this debt? Should I do anything about it?
  7. thanks everyone. I called. Got them recorded on audio, and got a new agreement.
  8. BUMP. Advice? I don't trust them now that they are jerking me around.
  9. I have been to small claims court twice with these people. Made agreements with attorneys twice for 40% of the balance. Each time the phone people try to screw me. Last court appearance the attorney and I agreed to 40% paid by end of February. I've been waiting for written confirmation of this since the end of November. I call them Jan 9th. Told them send me the letter. The phone idiot was forcing me to say when I am paying, screaming at me "I need a date" I just kept telling here I will pay once I get the letter. Now I get the letter and it says, pay by Jan 15th or the entire balance is due. Complete horse ****. Obviously they are trying to screw me. I have the money. I don't know if I should pay 1. for the principle of it, 2. I don't want to get screwed on a technicality, lets say the bank doesn't send the money by then. What should I do? I was ready to put this behind me, now I want to tell them to screw off!!
  10. So I agreed to an 80% settlement with Stenger and Stenger / Captiol one. They were pretty tough. I was happy with the settlement until they told me they wanted me to sign papers entering into default judgement with the court system. I do not like this part. I wanted to avoid this with the court. I did take this agreement in earnest, I do not have plans to try and not pay and sneak away from paying. To me this is the same as losing to the court, and wonder how much better it is then actually losing . It is a $1200 difference vs to total cost. I could still fight them in court and eat up time. However, I really don't have much of a plan on fighting them. I could appeal if I lose, and attack their affidavit debt, which could be seen as not fitting the criteria required by the court. Advice?
  11. Well, they seem to have a pretty solid case against me, and I have no argument in regards to material fact to fight them. Nor do I have the time right now. I don't think losing in court is better then settling at 80% - is that the case?
  12. Do you have advice on responding to MSJ? I have no clue on how to fight that.
  13. They said they are not pursuing legal fees in the complaint.
  14. the total is $4600, so about 1,000 knocked off. They are not pursuing legal fees, and the court fees are only like $187. The contract does not have an arbitration clause.