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Bulldoger last won the day on January 2

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  1. If it was documented buy you you may have a case if SOL hasn't expired. but don't expect getting any documents from Paypal to prove your point.
  2. Yep, I am sure a notice went out on federal register at that time but who really reads that other than attorneys,
  3. that may have been true in 2015-2020 but it's 2022. If they owed you money the time to collect was in that time. If you had filed a case with them and it had not been resolved by 2020 they were to pay you. The effects of this order ended in 2020. It was only effective to current paypal users which you were at that time but, unfortunately you ship has sailed.
  4. I read the paypal case order it is MOOT it was entered in 2015 and effective end date was 2020.
  5. This is an order from a suit if requiring PayPal to allow paypal users to set a different payment method other than paypal credit to be default payment on paypal account. Don't see where it's relevant.
  6. Here is location of CC agreement https://files.consumerfinance.gov/a/assets/Credit_Card_Agreements_2019_Q4.zip. per agreement they have to pay Arbitration fees.
  7. who holds your mortgage now? and the other borrower is that a spouse? ex-spouse? What I gathered is You got approved for a$53,554.61 reduction on you mortgage principal. But since the two borrowers did not sign they are rescinding the agreement and you now owe the $53,554.61 dollars. looks like you will have to sell house via short sell or $53,554.61 profit to pay off lien after closing cost. Another option may be to sign a new application and see if they will remove lien after that application is approved. Another option in line with the short sale is see if you can get your Mortgage company to pay HUD an agreed lesser amount that will remove the lien and then allow house to be sold.
  8. About a year ago they keep sending me those pre-legal letters then they changed to 10% off letters still no court case but still not passed the SOL.. update miss read you got letter from attorney not MCM. I got demand letter form attorney for OC debt in august still no suit.
  9. PayPal credit issuer by Synchrony has a great arbitration clause. Have you considered filing a motion to compel arbitration? 8K is a large amount and if they follow into arbitration and you lose it can be higher. But I don't see what's the difference of filing for BK over 8K or 20K, But you be in better position to settle or have a mutual dismissal. They probably have spent $1000 with buying and filing your case. They may just settle for $2000 and be happy with doubling their money and move on.
  10. I don't know how arbitration works in AZ. Check AZ statutes and court cases. In Florida you have to list it as a defense in your answer. In my state VA you have to motion for Arbitration before two much litigation has occurred that's a judgement call by the Judge. Some states once you done discovery your MTC will be denied. Some CC contract will state you can motion/elect arbitration up to trial date that may help if yours state that. Since Plaintiff has filed a MSJ they are stating that all the facts have been presented and they clearly show they are entitled to a judgement without a trial. The Judge may this point rule the MTC untimely as it is unfair and a burden to the Plaintiff having expended cost and effort to get to MSJ and deny a MTC.
  11. So I actually paid more than the minimum I literally owed like 280.00 and some change, on the 1200. Do you have a copy of statement from care credit showing this? What was the balance when they took over? have they added fees or interest? I could still access my paid off and since closed in March 2021 CareCredit account. I could look at the last three statements. The URL is https://www.mysynchrony.com/ my old login username and password still worked. Verify that the amount you owe CareCredit is the amount PRA is suing you for. Synchrony is known for having good arbitration clauses filing a motion to compel arbitration may still be an option.
  12. rule to respond: Rules for Justice Court (30 days) from service. https://govt.westlaw.com/azrules/Document/N6F4945F00DDE11E2B1BB87D5DA3B811F?viewType=FullText&originationContext=documenttoc&transitionType=CategoryPageItem&contextData=(sc.Default) Other than spending hours reviewing court procedures, case law, rules of evidence etc.. or paying $5000 to an ATTY to take the case to trial what are the alternatives. 1) pay full amount 2) settle for less than full amount Arbitration helps with no. 2 case can always be settled either in courts or arbitration.
  13. "the original and only charge I put on card that was from a dental package i purchased and never received." You said you paid for 10 months then stopped paying. I assume care credit paid the full 1200.00 and you ere paying Care credit a monthly minimum which didn't bring the principal down that much. Even if the dental plan company refunded 200.00 that would not clear your balance with CareCredit. CareCredit would then charge late fees and interest for 6 months before chargeoff bring the balance to 1734.00. What did you receive as "the proof" you requested. If it's the just last statement then you may challenge the MSJ that issues still are pending on the accounting of the handling of refund from dental plan. The amount refunded by dental plan has not been accounted for and balance they request is incorrect. If they filed all the statements or CC contract states you have 30 days to dispute the statement then it may not work. If there is an arbitration clause you could file a motion to move case to arbitration. You could negotiate with PRA and pay lower amount or get on payment plan. Try to negotiate the late fees off at least. "12/6 I received a motion for summary Judgement". What are the AZ rules to respond. Most states have a requirement that your response against MSJ must be filed a certain number of days before court date set to review MSJ. If that date has passed then you lost. You can't go into hearing an expect judge to listen to new arguments from you or plaintiff. Check the rules see if you still have time to respond. Rules for Justice Court (30 days) from service. https://govt.westlaw.com/azrules/Document/N6F4945F00DDE11E2B1BB87D5DA3B811F?viewType=FullText&originationContext=documenttoc&transitionType=CategoryPageItem&contextData=(sc.Default)
  14. I read it as they dismissed case before hearing on MTC. So now, I am wondering if I need to go ahead and file the arbitration applications with JAMS or if this is over. It's over for now, you can call plaintiff (MCM) and offer the $250 JAMS filing fee to settle debt in full they probably take it and you be done with debt for good plus you can require MCM to remove the collection from credit reports as part of settlement. Since the Motion to dismiss was filed without prejudice then Clarkson and Hale ( or other firm) could bring me into court again (YES and in same venue). But that's unlikely MCM has gone down that path they know what will happen and they will just be throwing money away.
  15. I don't get these calls on our home phone as I told Verizon to block all calls except mine and my wife's phone numbers. We are the only ones that have need to call our landline. I would get rid of it but it's bundled to internet and TV. As for my cellphone voicemail is full and my ringer is set to None. Every few days I go and block the new number's that called.
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