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Everything posted by SHELLY7

  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
  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
  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
  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 w
  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 ar
  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
  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 t
  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 rat
  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
  15. Figured it out sorry to those I tagged in question, hope I didn’t interrupt your day!
  16. good to know;) I like the word slim here @Brotherskeeper
  17. Thank you everyone to weighing in really appreciate it. @SJULawAlum @Brotherskeeper @fisthardcheese seems like a bit of a roundabout. STILL SO THRILLED THIER SMJ was denied and our mtc for arb granted. I guess I shall just plug away with filing JAMS and hope they don't sue me again sigh or find a rabbit hole loop to leverage them somehow:) onwards!
  18. My second update and question is I need to file a JAMS demand by the Oct. deadline to comply with the judge's order. While I know I can ask Midland to pay my filing fee, I've decided to speed things up by paying it. I don't want to give Midland ANY reason to claim I defaulted on the arb and try to go back to court as the judge's order allows. I'M THRILLED with the case dismissal and outcome! However, am wondering what leverage do I have to get the tradeline removed if any, if they decide not to pursue arb? Lastly, am struggling a bit to come up with plausible consumer violation claim
  19. Ok, so back on here with two questions, as well as updates that I'll separate not to confuse;) My first update is that as many of you know thanks in no small part to this forum, and my fabulous genius of an attorney-plaintiff's MSJ was roundly defeated and our cross-motion to compel was granted!! (woot) The wrinkle is the judge however, rather than issuing a stay of case pending arb, the judge dismissed the case without prejudice, and ordered me to commence arbitration by mid-October. The judge also ordered that plaintiff could motion to restore the case if I failed to commence arb by t
  20. HUGE UPDATE TODAY! After so many months, journeys and thank goodness for all the information on this forum. I am thrilled and happy to say that today in front of the judge my case was "dismissed without prejudice and I have to initiate arbitration myself." But, in essence I was granted arb and can HARDLY believe it and can not thank everyone on here enough!!! A big HUGE shout out to the MASTER OF New York LAW and literally a genius and now a lawyer and mega mastermind @usctrojanalum As much as I got sooo much information on this forum and have an insane amount of gratitude to everyo
  21. updating quickly my own thread for future New York newbies like me... in case they ever want to send a demand letter like I did with NY law 7503c letter/law and 20 day format....make sure you also send to your original JDB (like for me Midland) is a statue in NY just so people know;) pasting below for forum peepers future reference: If the demand or notice is served upon the party's attorney, rather than the party himself, the twenty-day limitation on moving to stay is inapplicable. Service upon the party's attorney, however, does not render the service null and void. Such service
  22. EVERYONE give this superstar a shout! what a moment for him and after helping so many on here (present company very much included) I think he deserves a virtual round of applause:) @Brotherskeeper @fisthardcheese @Harry Seaward @Clydesmom just wanted to tag some of the people who've been on threads with him helping me and get the ball rolling in what should be a momentous day for our resident New York genius and now soon to be lawyer;) 😀😀🍾🙌
  24. yep! @fisthardcheese done and dusted. Treated it like it was FBI evidence, for all the "just in case" scenarios;) Thanks to everyone for their help and unrelenting patience with me. Though in all honesty, I DO wish I had gotten this wondrous advice of picking up those little registered tags BEFORE going to the post office as trying to fill out and take photos with a line of people behind me was much more flustering then my adult self would care to admit;) So much gratitude though beyond measure to everyone.