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About sidthekid44

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  1. This is great news! Congrats and thank you for all the helpful advice you have given me. Best of luck in the future!
  2. Good afternoon! I am just looking for opinions on emails I receive from Bank of America (see below). These emails hit my inbox about once a week. The account was charged off in September of 2013. I believe BofA is incorporated in North Carolina or Delaware so this should be past the SOL. The message themselves even reference the fact they will not sue due to the age of debt. Should I send something like C&D letter and see if they continue to contact me or am I just asking for trouble? It seems like at this point I can just have these emails sent to spam and be thankful I do not have to pay back a large debt...BUT I have educated myself a bit and do take pride now in sticking up for myself/rights. Thank you for any and all opinions! Account number ending in: XXXX MY NAME: Now that tax refund season is here, this is a reminder that you're still responsible for making payments on the above account until it's paid in full. The outstanding balance on the account, which was charged off because of missed payments, is $X,XXX. What you need to do Step 1: Call us at 800.589.7951, Monday through Thursday, 8 a.m. to midnight, Friday, 8 a.m. to 11 p.m., Saturday, 8 a.m. to 7 p.m., and Sunday, noon to 9 p.m. Eastern, to review payment options. Please refer to reference code HTY4 when you call. OR: If you don't wish to discuss payment arrangements, please choose one of the following payment options: One payment of $X,XXX.XX 12 monthly payments plan: 11 payments of $XXX.XX, 12th payment of $XXX.XX 36 monthly payments plan: 35 payments of $XXX.XX, 36th payment of $XXX.XX 60 monthly payments plan: 59 payments of $XXX.XX, 60th payment of $XXX.XX Step 2: Mail your payment(s) to Bank of America, PO Box 15019, Wilmington, DE 19850-5019. Please be sure to write your account number on the front of your check or money order. What you need to know 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. We will also not consider any payments you make as extending or restarting the time we have to file a lawsuit. We're here to help We appreciate the opportunity to work with you to resolve this debt. If you have questions, please call us at 800.589.7951, Monday through Thursday, 8 a.m. to midnight, Friday, 8 a.m. to 11 p.m., Saturday, 8 a.m. to 7 p.m., and Sunday, noon to 9 p.m. Eastern. For information on managing your finance and credit, please visit This is an attempt to collect a debt and any information obtained will be used for that purpose. This is a service email from Bank of America. Please note that you may receive service emails in accordance with your Bank of America service agreements, whether or not you elect to receive promotional email. Read our Privacy Notice: Please don't reply directly to this automatically generated email message. Bank of America Email, NC1-028-09-01, 150 N College St., Charlotte, NC 28255 Bank of America, N.A. Member FDIC. Equal Housing Lender:
  3. I have a thread in the forum that @usctrojanalum has been giving me assistance with. I was served in April 2018 and last month I received virtually this exact same letter from Mandarich. My case is still open, and nothing new has yet been filed, but my assumption (based on usc's help) is Cavalry has retained new lawyers. I did send a DV letter, but have not heard back yet.
  4. Reading CPLR 321 I see the new attorney needs to file, with the clerk, a consent signed by the previous attorney and signed by Cavalry. That has not yet been filed per the court's website. I will request validation again from the new attorney, noting that I previously had and continue to elect arbitration. When they validate and file the appropriate consent for a change of attorney I will move forward with my motion.
  5. Thank you! If that's the case would they need to start a new case or just pick up where the other attorneys left off? I would guess start over because I can again request debt validation and the new firm does not have the previous communication between myself and the "current" firm...but I'm not sure.
  6. Hey guys I am back with an update and some more questions. My case is still showing on the court's website as Pre RJI as nothing has happened. I had intended to file a motion to compel arbitration in the summer...however, I had a family issue come up that took the majority of my attention. I did continue to check the court website for any updates just in case. I literally just started working on my motion a couple of days ago with the intentions of filing it in a couple weeks. Today I received a letter from Mandarich Law Group LLP in reference to this same debt. The letter states: We are contacting you regarding the above referenced account. As you are likely aware, your account was previously placed for collection with another law firm and litigation was commenced, The Current Creditor listed above has now reassigned your account to our office. The Current Balance stated above is the amount placed for collection by the creditor with our office as of the date of this letter. The next paragraph references the typical debt validation language. The letter then states: Please note that the litigation does not alter the rights explained in the prior paragraph, If you request proof of the debt or the name and address of the original creditor within the thirty-day period that begins with your receipt of this letter , the law requires us to suspend our efforts (through litigation or otherwise) to collect the debt until we mail the requested information to you. As of today (per the court's website) my case with Cavalry (Grossman & Karaszewski) is still active/open. What is the legality of another law firm contacting me regarding the same account that there is an open case with another law frim? What should I expect? Will GK end the current lawsuit or just let it eventually expire due to no action? Can Mandarich sue me while this current case is open? I have no issue starting the process over again with a new law firm. I just want to know where/how to focus my attention. I definitely do not want to pay for an RJI and motion if the current case is going away. As always, thank you for the help!
  7. I would definitely make your own post. Start by answering the same set of questions in the first post of this thread. People from Indiana will help you...especially with the rules/procedures for your state. My understanding of law/procedure isn't that advanced either. I have learned a lot from reading through different threads on this board. Do not just roll over and let them get a judgment against you. At the very least you can put yourself in a position to receive a better settlement. Good luck!
  8. There has been no movement by either party in my case and I have begun working on my MTC Arbitration. I am just trying to put together a quick checklist of what I have to do to accomplish this. 1) RJI ($95) 2) Notice of Motion I see that I need to pick a date/time for the motion to be heard and enter it on this form. I cannot locate online a schedule or typical dates motions are heard for Monroe County Supreme Court. Can I just call the clerk and ask for this information? My assumption is motions are typically heard only certain days/times. Is there any advantage/disadvantage to selecting a date sooner or later? 3) My Motion and Affidavit/Copy of Credit Card Agreement ($45) Am I missing anything? Just to clarify, am I correct that I do not need to physically mail these forms to the Plaintiff/attorney and complete an affidavit of service? I see reference to that, however, as we discussed previously, I believe that electronic filing counts as service for all documents. Thank you!
  9. Today is day 21 and there is still no Affirmation/Affidavit of Service on file for my case. The three documents are 1) Summons/Complaint 2) Statement of Authorization for Electronic Filing 3) Answer (did I screw myself by answering before they filed the Affidavit of Service). Substituted service was completed to my father on May the 12th through the 31st of May would be 20 full days. I have done some research, but I am still not sure what my options are. Motion to dismiss? Traverse hearing? A lot of the previous cases I have found deal with default judgments being vacated due to improper service. There was not much of anything about a Affirmation/Affidavit of Service not being filed. I do see that they have twenty days to file the document, but it also looks like it can be corrected or they will just sue again (and I am still about 13 months from hitting the SOL) I would love to make their job more difficult if it doesn't end up being too costly for me or put me into a bad position to later motion for arbitration. Any advice and recommendations are greatly appreciate. There are time constraints and obligations put on me...they should need to meet theirs as well. Thanks!
  10. Minor update: I officially filed my Answer electronically with the court today. I think I will hold tight for a couple of weeks while I work on my MTC arbitration...then most likely file that and RJI (if needed) in the third/fourth week of June (unless the Plaintiff takes some action first). I have been tracking a few other cases similar to mine and have not noticed anything filed with the court for over a month after the defendant's answer. One odd thing I have noticed is there is still no Affirmation/Affidavit of Service filed in my case. It is typically filed 7-10 days after service in most of the cases I have looked at. My father was served my documents 18 days ago. Thanks again to everyone who has offered and given me assistance with this process. I will keep the updates coming. Maybe my experience will help someone else down the line.
  11. @fisthardcheese Thank you for your response. I was afraid that would be the case/your opinion. The complaint was efiled on 04/21/18, obviously after they verified. I cannot be sure what happened between 04/05/18 and 04/21/18. The lawyer's office uses a third party to upload their documents. I imagine there is some delay from filing and having documents uploaded. That probably still would give them an out to fight that claim if it gets that far in arbitration. My hope is we do not get to that point and agree to a mutual dismissal...but I'm getting way ahead of things. My last question...if I need to list specifics in arbitration can I get myself into trouble including that? Would it just be up the arbitrator to disagree that signing the complaint before the debt is validated constitutes them trying to collect the debt while it is in dispute? I obviously am not an attorney either and not as well versed in the FDCPA as you, but I do think an argument can be made they are taking steps to collect before validation...i.e. I'm not acting in bad faith/making up unfounded claims. I did notice the small claims court "issue" in the card agreement. My case was filed in County Supreme Court so I believe I should be ok there. USCTrojanAlum also told me previously, "Monroe County Supreme is a general trial court of original jurisdiction. It is not a small claims court" Thank you again!
  12. @fisthardcheeseI was wondering if I could get your opinion on a possible upcoming arbitration I may have with Cavalry. The quick background Cavalry bought my charged off debt from Citibank sometime in the summer of 2017. They sent me a letter and I sent a DV letter (asked them to only contact me via USPS) and they validated the debt. I did receive a few more calls from Cavalry, but I unfortunately did not document them. Fast forward to this Spring, I received a letter from an attorney representing Cavalry. I again sent the DV letter within 30 days (asking to only be contacted via USPS) and they eventually sent the validation. They have now sued me and I have prepped an answer which I will file shortly. So here are my questions My DV letter to the attorney was signed for on 04/04/18. They signed my complaint for the lawsuit on 04/05/18...obviously before they validated the debt. The attorney's office also called me twice on 04/06/18 and left me a voicemail after the second call. Are these FDPCA violations? The attorney's office is representing Cavalry, but they were/are also acting as a debt collector. They did eventually send me verification which I received 04/16/18 (their letter was dated 04/11/18). So they signed the complaint to sue me a few days prior to even sending out the verification. They also attempted to contact via my cellphone which I specifically asked them not to. My hope is because Cavalry previously verified the same debt that this does not get the lawyer's office off of the hook. The reason I have these questions is because my plan is to file a MTC arbitration. I know my original statement to JAMS does not need to be specific, but if I arrive at the point I need more specifics I have backup against the lawyer's office. Sorry if this is all confusing. I just value your opinion from all I have read on this board from you. Thank you for your time and help!
  13. @usctrojanalum I have looked at a few cases online and noticed, as you said, that process in County Supreme Court does appear to be a slow one. For that reason I was thinking about delaying the filing of my MTC arbitration (as you also said). I will file my answer next week. What is the most likely step the attorney for the Plaintiff will take next? If they file a motion themselves or request discovery or whatever I can still file my MTC at that point, correct? It should be heard before the case moves forward? The optimal goal still being to not participate in the case any further than my answer, but still being able to file my MTC. Thanks as always!