Jump to content

Phillio9

Members
  • Posts

    32
  • Joined

  • Last visited

  • Days Won

    1

Phillio9 last won the day on August 1 2020

Phillio9 had the most liked content!

Profile Fields

  • Location
    Myrtle Beach, SC Horry County

Recent Profile Visitors

The recent visitors block is disabled and is not being shown to other users.

Phillio9's Achievements

Advanced Member

Advanced Member (3/6)

3

Reputation

  1. Thanks everyone. I gave it my best shot. I appreciate everyone’s input.
  2. Looks like they will only settle for 80% via the atty’s office. Should I contact them directly?
  3. I lease my car- they cannot come for that, right? My only asset is my home and I’m not going anyplace.
  4. Thanks Clydesmom. I appreciate your words. Guess I’ll try calling back and see if they wanna play ball.
  5. What cards DO I have? No arbitration clause and they have what looks like sufficient info to verify the debt. SOL still has 1 year.
  6. Do I contact the attorney’s office and work on getting a settlement prior to the court date? I’m stressed now bc I know I don’t have any defense in court. They already produced documents showing mcm has the account. Do you think my chances are low at getting a 50% settlement? Do you think they would rather go to court and get a judgement for the full amount even if it takes years to collect? I haven’t been in this situation before. Thanks.
  7. The original letter is dated August 30, 21. I replied with a dv and they promptly mailed a packet of 6mos statements-bill of sale-affidavit of sale and certificate of conformity.
  8. Oh great, I just checked the public index and the attorneys office filed a suit today. Now, I have to wait to be served. Should I even bother contacting them now? I have no defense in court tho.
  9. Gosh, thanks. I’m gonna do this tonight. I’ll be back
  10. Thanks guys- its MCM and I’m not trying to request hardship. I just want to settle for a low percentage of the debt. I suppose I can get some numbers together. But I’m not comfortable with going any further say if they want statements. I do understand that this might be a new ‘policy’ and I appreciate the clarification. it’s just odd to me bc I have seen attorneys offer settlements and payment plan options at court prior to the hearing.
  11. This was for a neiman Marcus card from 2016. I didn’t see an Arb clause in the agreement. I feel suspicious about giving them my bill/income info bc why do they care about that? They should just want their own money and talk settlement, right? What if they ask for statements? Seems fishy.
  12. Hi, I received a letter recently from an attorney representing Midlands for a debt they bought from Capital One for $2500. I sent them a dv and they replied with 6mos statements, bill of sale, etc. I have another year before SOL runs out and no arbitration defense. I called them today to discuss a settlement- (I would prefer a lump settlement). However, they advised midlands requires an expense to monthly income ratio and want all my bill and income info. I’m not comfortable doing that even if I lie about the figures. Is this typical? I told her I would see about getting my info and reaching out later. This has to be bs, right? Any advice or personal experiences?
  13. Thank you- I will keep you posted. I sent my answer to the court denying everything. I’ll wait for next action and then mtc arb.
  14. Thanks everyone- you guys are the best! I’m going to file my answer tomorrow. I’m prolly going to file mtc arb right after. I expect a settlement but want it to be 2k if possible. I’m pretty stretched right now. Idk what to expect from them.
  15. So whatever happened? I had clarkson file on me last summer for a synchrony debt. I elected arbitration and sent the demand forms. They dismissed with prejudice. Good luck to you.
×
×
  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.. For more information, please see our Privacy Policy and Terms of Use.