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  1. Can you give me your opinion on the letter before I send it to collection agents? I have 3 collection agents (Walmart, JCPenney and Capital one), I have 3 others that I haven't heard from yet (Barclay Bank, Best Buy, Chevron) Patenaude & Felix A.P.C 4545 Murphy Canyon Road, 3rd Floor, San Diego, California 92123 RE: Synchrony Bank/ JCPenney To whom it may concern: I am writing to explain the current financial situation and to request you not to contact me . I am a disabled single mom and I am
  2. yes. I sent all of creditors letters about my finances and that i was judgement proof.. That is when my accounts were closed. I got letters from attorney/collection agent. I still get statements from original creditors. The only one to make a note to account was Barclay Bank, The attorney for them contacted me to see if I had attorney. I sent letter telling them I am on social security. I haven't heard anything else (yet) This was in May. Cap1 and Sychrony collectors are from my state the other one is not.
  3. TY for your help. Should I inform collection agent that my income is exempt and i have no assets?
  4. Thank you for your help. I did contact my credit union. My income is direct deposited, so it would be easy for the bank to see where my income comes from. I have no assets. I owe more on my car than the value. I am new to this and very nervous.
  5. Hello, I’ve received a letter from Hunt & Henriques Attorneys at Law and I’m quite at a loss ( I am disabled, My only source of income is Social Security and Welfare. I'm in California). The letter appears as follows, September 13, 2018 “Re: CAPITAL ONE BANK (USA), N.A. Account number ending in : XXXX Balance due as of September 13, 2018: $X,XXX.XX Dear XXXX XXXX As a result of your default on the above identified account, our client CAPITAL ONE BANK (USA), N.A has engaged this law firm to attempt to collect the outstanding balance due on your acc
  6. I currently have received letters from 2 lawyers Hunt and Henriques (capital one)and also CIR Law (walmart) each one is about 5700. I have 4 other accounts I haven't heard from. If I've been paying on accounts for several years is theree a reason to get the debt validation. I'm the one that contacted the creditors requesting my accounts closed. I'm just so confused. I am permanently disabled and my only income is social security disability, ssi, and welfare for my grandson that I'm raising. please help me, if you can. I'm in California. i have no assets. I owe more on my car than the value.