JennCreditNow

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About JennCreditNow

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    Colorado
  1. Exactly! I can't believe how many just misinformed consumers, settle, whether they owe or not. And most, if they do settle, don't negotiate it, or insist on a pay to delete. Of course I didn't know any of this until I started researching to help my Mom a few years ago. It's tough to know everything, lol! Sounds like perhaps they have already, fingers crossed, decided you are not worth pursuing, that will be my hope for you! From what I have heard, which could be limited, you are safe starting a settlement negotiation at at least half the amount they are asking...and keeping in mind the pe
  2. Sorry, new here, thanks for the heads up:)
  3. My question is if I write to the collection agency, Wakefield & Americollect, in the State of Colorado, and keep in mind, this is years after the actual medical collection has been reported on my credit report, asking for any of the following: -The contract of the original creditor -A debt validation, asking for the original creditor and how to contact them -Since I have paid none of these collections, is my contacting them, the collection agency or the original creditor, in any way, have the ability to move the date of last activity to the present day & restart the
  4. Isn't Calvary Portfolio a collection for credit card debt? It's my understanding that JAMS does not take those type of cases. I could be wrong, bug maybe it's worth checking into before you get much further in the process. Also, I had a collection with Calvary for HSBV, I think that was the credit card, sorry if he name is wrong, however; they lost their right to sue many, many years ago and still try to send invoices. You have to look around for the small print that says they no longer have a right to sue you, apparently they can still try to invoice you though. Good luck, these situation
  5. https://centerjd.org/content/fact-sheet-cases-tossed-out-court-because-forced-arbitration-causes-and-class-action-bans Just in case these may answer some questions
  6. https://www.creditinfocenter.com/community/applications/core/interface/file/attachment.php?id=7577
  7. My question is if I write to the collection agency, and keep in mind, this is years after the actual medical collection has been reported on my credit report, asking for any of the following: -The contract of the original creditor -A debt validation, asking for the original creditor and how to contact them -Since I have paid none of these collections, is my contacting them, the collection agency or the original creditor, in any way, have the ability to move the date of last activity to the present day & restart the 7 years? Currently I have about 5+ years into the 7 ye