womanonfire

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womanonfire last won the day on February 10

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About womanonfire

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  1. I was reading an article on Sherman that was quite interesting. Here is an excerpt: Sherman didn’t act on that judgment until last year, the Sherman spokesman said, when the company’s computer models determined Ms. Bradley had money to pay. In May, Sherman used a garnishment order to compel her bank to transfer her balance of $6,770.78 to Sherman. How in the hell are their computers doing that? Link to the article: https://www.wsj.com/articles/most-big-debt-collectors-backed-off-during-the-pandemic-one-pressed-ahead-11617804180
  2. Don't forget to update this thread with your results!
  3. When did you make the last payment and when was the account sold to JDB?
  4. Something I've wondered about is defaulting on a hardship program which does essentially create a new contract or changes the terms of the original contract. Contract law is complicated.
  5. I would give it another 30 days before following up or wait until you get a letter. They will pass it on to another department that will try to collect and you may get a better offer. The offers from Discover were better the longer I waited.
  6. Have you ever searched for ambush in these forums? You should perhaps put that in your signature? lol
  7. Another one that by passed magistrate court. I wonder why unless they are clogged?
  8. What do you hope to accomplish? Do you have defenses or counter claims or you trying to delay the inevitable?
  9. womanonfire

    MTC help

    Is the general rule here "never arbitrate with an OC unless you have viable defenses or counter claims?"
  10. I think it is easier once charged off but they also may go by the amounts. I'm having a similar experience trying to settle with Chase on an account that is not charged off whereby they won't settle for less than 60%. Interestingly another account with Chase settled at 36% but that one was charged off. It may be they want higher because they think you give a damn about a charged off account affecting your credit. Mine is trashed so I couldn't care less. I have a post in the Debt Settlement forum of all the accounts I've settled so far. It's really a good feeling to beat down the debt.
  11. Just updated settlements so far. I have three Cap One cards remaining; one I've posted about elsewhere that I may fight if sued. I've tried to settle it but they will not budge below 75% and I don't have it right now. Another one is a very low balance and the other one I also think I have a TCPA counter suit and an attorney that reviewed it agrees. I will never give Cap One my business again because even though I defaulted, their customer service over all even before then was severely lacking. The balances on these are $4500, $350, and $2000 respectively. Also remaining are seven Synchro
  12. @GoMom Yes please update us as to how your case turned out. Did you win, lose, settle and if you settled how much did you settle for Thanks
  13. That's golden lol! Synchrony has this in their agreement. I suspect it would be hard for them to complain about someone recording their calls.