SHELLY7

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SHELLY7 last won the day on October 31

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About SHELLY7

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  1. awesome. thank you @fisthardcheese for clarifying; as always;)
  2. Quick update on this fine Sunday...JAMS officially closed case Friday, so is great news and a bit of a wondrous thing to think of the money the JDB and their lovely lawyers put out. A rather redundant, yet required never the less shout to @SJULawAlumwho is truly a NY genius and attorney. My "hopefully" (without jinxing) task in closing this out would be to send as you stated @fisthardcheese sending a simple letter to the cra's stating no longer liable...then keeping an eye out for "automated account review" I'm wondering if the idea here in this rather old post is suitable for such letter with the verbiage of no longer liable? or if you indeed go into this level of detail, with photo id (30 days etc) No rush on answering, as I know I have beyond abused the wealth of knowledge on this forum with my rather simplistic questions...will just be happy to have this "final step" done in next month or so. Once again so much appreciation everyone!
  3. Thank you so much for this @fisthardcheese you really are the wise one and I always appreciate you spelling things out in layman's terms for little novice me. Tried to look through forum and get a concise idea, but seems everyone has a different theory, ie ninety days with some, send in agreement etc and I prefer less is more (which I've also learned from you;) Furthermore, as friends on here have helped me with I'm not great at reading my credit report (is kind of pathetic that I'm just learning all this as an adult;) and on some they still have the original PayPal account open; (I know they can still report but on one says open and revolving) sigh. I know this is legal for them to keep reporting (OC), but was confused about Midland so will wait my thirty days and then send off a standard letter with your "no longer liable for this account." I was also one of the lucky ones whose account fell into that Capital One security breach so they (capital one) offered me some free credit watch for a year so will do this and that will hopefully help me monitor better, in case, heaven's forbid Midland does that "account review 60 day thing" ugh which I HOPE doesn't happen to me, but you never know...you on the other hand, have such tenacity at sticking to your guns and always making this work in your advantage, no doubt they must fear you by now in the best of ways;) I applaud you once again and thank you for continued patience with answering my what must be to you, very elementary questions;)
  4. Would just like to chime in here, and not break the law by disclosing anything and this more pertains to JAMS. Before people weigh in and state I could have asked JDB to pay my JAMS fee, as that would have been an option considering the synchrony arb agreement, I had put money aside in the case of paying my JAMS filing fee and paid because A. the judge's ruling in my particular case was a bit finicky and B. had it NOT been for JAMS emailing both parties and their representatives I am not sure I would have ever received the outcome I had been looking for. So in some crucial way JAMS does have a very vital role in this and thus, was happy to pay for JAMS was sort of the push I needed. For future people this is the JAMS "cancellation policy" and perhaps this has been invoked due to so many people using this forum, I don't know lol;) Please note that the filing fee for this matter is still due. If a matter is withdrawn within five days, the refund is $600. Therefore, the current outstanding balance for the filing fee is $250 on behalf of the Claimant and $350 on behalf of Respondent per Consumer Minimum Standards policy. Just so people are aware, and truly this was the smoking gun so to speak so bless JAMS on some level. Lastly my final question is and prob goes to experts out here as far as removing debt trade line, is there a certain time frame everyone suggests, ie wait ninety days then send a letter to credit bureaus, or can it be as soon as a month? and do you all suggest including signed paperwork? or simply stating I "am no longer liable for this debt" and keep it simple Sam...? And once again hugest shout out to @SJULawAlum seriously anyone in NY he's an actual encyclopedia on NY law, amazing attorney, as well as person and STILL can't believe I was lucky enough to find him... And of course can't reiterate enough my continued gratitude forever to those that have been with me on this journey since the beginning of this year...not only was the forum a beyond useful source and fountain of information during an insanely stressful time, I TRULY don't think I could have made it out alive without any of you... @Brotherskeeper @fisthardcheese
  5. thanks for this @fisthardcheese undoubtedly from your tutelage this is EXACTLY what I did on Thursday. Mailed everything, sent JAMS off etc (no money just the filing) (can pay later I have learned wink wink;). Part in a rage and part because obviously I've been ordered too and at this point with these lawyers I don't even know if they are stalling to slow my end of the bargain down so to speak. Needless to say once they heard I did this there was some "action" but of course, they haven't sent anything yet through to my attorney (they should have Friday but was crickets no doubt.) So am waiting for Monday when all the mail arrives and they will see I'm not bluffing. Will go from there I guess. Still a bit of a waiting game, a dubious one at best; but I have my guard up, an excellent genius of an attorney and all the endless support and resources here so feel luckier than most. We shall see. Infinite thanks regardless and your input on court order and arb always and forever.
  6. yes agreed @Brotherskeeper am going to go to post office today and file jams without sending money like @fisthardcheese suggestion (can wait for jams to request my after..)and then go from there...stay tuned I guess lol
  7. Hi everyone! Quick update on the happenings over here. My lawyer finally got a hold of the attorney from Midland who offered the 250 instead of filing arb. He was transferred to ANOTHER attorney (apparently his supervisor or such I have no clue how they have so many people over there; but ANY WAYS....) This new attorney has now stated that the offer is 500 because Midland laid out a lot of court expenses with my case. Ugh. Seemingly unethical to me that they could revoke, but evidently is allowed and obviously wasn't going to take ANY offer until I read the fine print etc. Now, we are waiting to see the offer and am assuming I will still have to file ARB/JAMS, though again just don't have a ton of leverage with odd wording of court order. So that is the update as of now, can't say I'm hugely surprised and in essence am basically just back where I started sort of...just a bit frustrated. Stay tuned and thanks again to everyone's continued advice, support and insight. @fisthardcheese @SJULawAlum @Brotherskeeper
  8. Thanks for letting me know. But again this is all in infancy stage and easily nothing could happen and I’ll be back sending in jams/arb before you know it:) 🤞🍀🤞🍀 never the less as always appreciate everyone’s support and advice beyond🙏
  9. Question geniuses on this whole reporting thing to the CRA (I legit can barely understand how to read them but that's whole other thing sigh..) and not jinxing again (yes am a superstitious loon)...but, as still in just beginning phases of all this and who knows how lucky we will be...but as far as reporting to the cra goes, if you somehow manage to finagle them not to report ie mutual release or what @SJULawAlum mentioned before with them signing an nda and then I assume I'd have to send something into each credit bureau if they did keep reporting me in the future...if they stop reporting in the future by whatever means, is that the same as a debt trade line deletion credit score wise or no? Sorry I know I am long-winded and thank you everyone who has so studiously offered endless insight/suggestions etc 🙏🤞☘️ @fisthardcheese
  10. my hope (don't want to jinx) is they don't read too deeply into this wording and just go off of "parties ordered" and what my lawyer smartly reminded them of the cost for their client. I suppose that's the only thing I can hope for?
  11. Surely the cost of arb will help as leverage @Brotherskeeper however they weren’t ordered into arb (don’t think we’d remind them of this and hope no spies are reading this forum/thread lol;) perhaps some sort of sanction or such as @fisthardcheese suggested for no more third time suing but I don’t even know? To be perfectly honest I’m not even sure how much THEY know of the exact language of the court order or if they dive as deeply as we all do. I’ve had five different people on this case alone from same jdb (not counting first one) they might be just going off what my lawyer smartly warned them/told them how much money arb would cost their client? or the synchrony arb agreement that maybe they DO know of, I dunno. Not sure really 🤷‍♀️Hope I have leverage with a good negotiator 🤷‍♀️ @SJULawAlum 🤞🤞THAT much I am CERTAIN of) 🍀🤞
  12. it's just as much your story as mine @SJULawAlum so GUYS the update is that literally RIGHT before I was headed to post office (like mere seconds to send my arb stuff to jams) my lawyer got a call from some dude over at jdb law firm stating they would offer me a settlement in exchange for what I would pay for arb filing fee $250. Obviously my lawyer is a genius (duh) and said he didn't know if I would settle so now feel as though ball is in my court as can use this as leverage to hopefully 🤞get what I want from midland otherwise I suppose why wouldn't I do arb?!? or go through with it rather...so now we will wait to see what their settlement offer is and go from there but just wanted to keep everyone in loop for future people and for my forever gratitude to those on my journey and STILL helping/weighing in. Obviously I am literally blessed with @SJULawAlum who not only is a whiz at NY law, great attorney and just wonderful person... but also to those who've helped me from the beginning and still do @Brotherskeeper and the arb godfather himself @fisthardcheese I don't want to jinx anything but am hoping we've come this far can get what I want🤞🤞
  13. I guess I just feel lucky I didn't get a summary judgement then? I evidently had a court summons in June and then the same jdb attorney dismissed it in December? so strange the workings of all this!
  14. yes, we have gone back and forth on this one without a straight forward answer. they sued me for exact same debt/same law firm (literally used exact summons etc) but I was in living in Nyc at the time so they never "served" me (don't think could get up to my apt literally) so am not sure how much it counts. I will double-check though my court rules on two cases thanks again @fisthardcheese whilst filling out these jams forms I sure would like to put that lovely notorious jdb attorney firm that's now gone after me twice;) as some violations for unfair practices or at very least "pain and suffering";) will double-check today and thanks again!
  15. Figured it out sorry to those I tagged in question, hope I didn’t interrupt your day!