Racinghart03

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Racinghart03 last won the day on November 5 2020

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About Racinghart03

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    NJ

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  1. @BV80I am really just trying to pay it forward. Not sure if you realize, but the advice you offer here truly can change someone's life. This was a very stressful situation and I am not sure how it would have panned out without all the help you all gave. And you all do it for at best, a little gratitude. I spent a lot of time on here reading and educating myself. I saw many times OPs just dropping off the map without so much as a thank you. I was determined to actually do something to SHOW that gratitude. And I will continue to do so from time to time. I have often been criticized, I feel from
  2. @fisthardcheese @BV80 @BackFromTheDebt @Brotherskeeper Wanted to take a moment and thank you all. It appears I have my resolution on the horizon and it is one I can CERTAINLY live with. I have began donating to random charities with any extra money I can spare in honor of all of you. Maybe do with a little less and give someone a little more. I noted the crew @ CIC (that is you guys BTW) in my donation comment. As there is not much I can offer here, I am determined to uphold my promise to you all and do SOMETHING. You can see the first one I made here. https://gf.me/u/y42gyn. I will check in
  3. Do you have an arbitration clause in whatever agreement binds you to their claim of debt?
  4. @fisthardcheese @BV80 @BackFromTheDebt @Brotherskeeper So after the ultra polite director of collections from the JDBs attorneys office reached out via email asking if I would be interested in settling, and if there was anything he could do to help. Not being sarcastic there, he was nice as pie....So I hit him with the concept of my dropping all claims against them in exchange for a release of any claims they have against me FOREVER. If they take me up on it, I will drill down the details of the agreement later. I have not heard back as of yet (sent the email Friday) BUT JAMS did reach out req
  5. @BackFromTheDebt So I should just hit them right from the gate and tell them I am willing to drop any and all claims current and future for the same in the the form of a mutual walkaway with prejudice? Obviously I wouldn't sign anything without letting you guys know what's in the agreement. I will be sure to make sure the agreement contains the things you mention as well. The communication was from the director of collections at the JDBs office. It was just interesting that the collections account fell off my report shortly after the MTC. Could just be coincidence.
  6. @fisthardcheese @BV80 @BackFromTheDebt @Brotherskeeper JDB attorney has reached out via email and asked if I would be interested in settling this matter. So kind of them. Do I ask what they propose or hit them with the whole gammit? Mutual walkaway from all current and future claims, and nothing reported to credit beaurus? They are awaiting my response. I don't want to say the wrong thing and Jack this up at this stage. Anything else I want in the agreement?
  7. @fisthardcheese @BV80 @Brotherskeeper @BackFromTheDebt So I just got an email confirmation from JAMS that they received my arb paperwork and that a caseworker would be reaching out in the near future with the next steps. I provided JAMS with the email address for the JDB as it was provided to me in the court communications so it went to them as well. Is now a good time to reply with something along the lines of an offer for a mutual walkaway with prejudice in lieu of taking the case further? Or should I wait until I get a case number and all that jazz?
  8. @fisthardcheese Should I seek comfort in the fact that there is not an overwhelming amount of actual arbitration discussion on this forum and most of what is talked about is the fact that an arbitration case has been established and how to use that fact to get a more desirable outcome? It seems the mere fact that a case EXISTS is the means to the end and using its existence to drain the JDB of funds is the name of the game. I get an overwhelming sense that they are REALLY lazy and just try to get the low hanging fruit. Obviously for someone who has never been through something like this, even
  9. @fisthardcheese Hopefully I will not need it..... Awaiting my case number from JAMS and then will send the offer for a mutual walkaway of all claims with prejudice!!
  10. @fisthardcheese I am a little nervous about it all. I am hoping they agree to a mutual walkaway with prejudice and we can be done. I have started to watch some videos and educate myself on arbitration just in case. Guess I just have to let it go for now and see how it plays out. Thanks for everything again.
  11. @fisthardcheese Says my motion granted and case dismissed without prejudice. I verified with the court this was correct. Handwriting is rough though....
  12. @fisthardcheeseOn it. Just adjusted what you said, printed, signed everything and will get it all out CMRRR today. Since the agreement states I file I pay, I am just going to put the check in there. UPDATE. Bird is in flight. Do I/Should I upload a copy of the JAMS filing to the docket? Or is that not necessary?
  13. @fisthardcheese is the expert on this. Did you get any communications from the attorney before you were served? That would be my question. Since I did, followed up with a DV letter and THEN a letter of demand BEFORE I was served, my timetable of events is different than yours. Did you send a letter or demand? What does your agreement say? This is important too.
  14. @BackFromTheDebt "You may seek arbitration on an individual basis of any claim asserted against you, including a proceeding to collect a debt." This is from the arb agreement. I do not see anything that says an attorney or representative is off limits. @fisthardcheese suggests using FDCPA violations as grounds for arb, not so much to win, but to get the process going and start the bills flowing. I do feel they have committed at least one, maybe more. I will start to educate myself on the FDCPA. It also states since I am initiating, I pay the 250.00. So that is fine. Since the JDB is most like