azoomzip

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About azoomzip

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  1. wow- i bet that got their attention. what did the court award you as compensation? and did they award reimbursement of court/ attorney fees? i have heard that the courts fine, award compensatory damages (or whatever to the victim of the deception) and reimburse attorney fees. want to share? thanks for the input all.
  2. they have not contacted me since the last letter from my attorney. does this constitute post letter harrassment in your opinion? i just dont want to be too hasty, but i also dont want to be left cleaning up odd ends that are a result of their negligence. just for further info: i claimed att in my bankruptcy- who i owed one months basic service fees- about $35. the reason i claimed them was to get out of my contract-not because i had a big bill or anything. at the time i really needed to cut all of my expenses. all of the charges were accrued from my file date- mid march- to some future point when they decided to cease accruing charges. they are attempting to collect what they claim i owe for that period- on an account that they created for me in order to "comply" with the stay- and continue to "give me great service." i have the letter they mailed me outlining this wonderful deal- pretty much blatantly states: we are cancelling your current account- to comply with the stay- and automatically enrolling you in a new account- in order to continue providing you with our service. i never used the service after file date. this letter should be enough for me to win a case in court- dont you think?
  3. Ok. posted last week about removing equifax inquiries and was told to call and request removal. went online today to get current report and # so i can dispute. apparently i dont get a # because we are serviced by csc. equifax report does give me a # in the upper left corner as the webpage states. so now we spent the 9 bucks for the number in order to call and dispute- but we cannot because equifax will not give a number for csc reports. cannot contact csc because they require a report # in order to get in touch with a person. i guess i dont even know if i can dispute inquiries with csc on the phone? any advice- this is all very irritating.
  4. followup- i contacted my attorney who sent another- final- cease and desist to the collection agency. i was advised by my attorney that if i am contacted again, i am to get a consumer protection attorney- or something- and persue the case. ok i guess in any case- this week i was checking privacy guard and it turns out that att has now listed my account as in collections- ugggh! funny how att never reported anything to my cr until now. this is more than likely a response to the attorneys letter- recieved about 2 weeks before this. should i wait, go ahead and sue- citing the negative credit information as further collection attempt- or call the bureau and dispute it. the account listed is the account # that i never signed up for. thanks
  5. me too if you would be so kind. thanks
  6. they continued service and billing me for the service, but i was not actively using the phone. the reason i worry about it is that i am in a much better position today than i was a year ago and wouldnt want that to be destroyed as a result. i would love to them get hit with a fine (not a penalty to me per se) that would make them think twice before doing something like this again to someone. but i know the court could fine them a million dollars and they are probably too big and inefficient to stop doing this type of thing. Thank you for your input. now if my lawyer would return my call. because of the holiday i am giving him till tuesday evening, or i am looking elsewhere.
  7. i did not reaffirm anything. they refused to accept notification of my bk for 3 months. when they finally aknowledged it- i believe 2 letters from my attorney- they sent me a letter that stated that in order to comply with the automatic stay, they were cancelling my account and freeing me of all charges to that point. however in order to continue service they entered me into a new contract which began my file date, and that i was responsible for charges from that point on. charges from that point on were not usage charges, but basic monthly plan charges. they did all of this of their own accord- i did not do anything, but name them as a creditor in my bk. yes i used an attorney- his last letter to att was in january- cease and desist- his second of this sort. i called him yesterday and am awaiting a call back. i am mainly wondering what the process is for this- do i have to reopen the bk and be hassled because of this creditors actions? my attorney doesnt seem to be the best communicator- if he does not get back to me soon i will get someone else- isnt that what i should do?
  8. This is reposted from the bk forum, hope someone can advise. Filed BK7 in March 2003- discharged June 2003. Att continues to attempt to collect for discharged debt (actually non existent debt). In May 2003, they sent me a letter stating that they were notified of my bk and that they cancelled all unpaid charges up to my file date (probably 30 bucks). However, in order to continue service to me they were entering me into a new contract- with a new account number- and that i was responsible for all charges from the file date forward (which now have accrued for months). Anyway, I have a copy of this letter and of 4 cease and desist letters that my attorney sent to either ATT or their collections company, and a log of every contact that has been made over the last year. First letter to ATT was sent in July 2003, last letter was sent in January 2004, last contact from collections was mid Feb. Attorney told me in Jan that if i continue to be contacted to let him know and we would file a lawsuit. Well low and behold, in todays mail i get a notice from the collection agency that they will knock 80 bucks off the 380 i "owe" if i pay today. i called the collection agency and spoke with the fellow who told me back in feb that i would not be contacted again. He stated that what he said was that they would not call me again- nice technicality. I asked him if he would like to be named in the lawsuit that i am going to file. His response was "there are words and then there are actions"- that he was "wasting his time"- and he hung up on me. Anyway i think i have a pretty damning case against ATT. My question is, what is this going to entail? i hear about re-opening the case- what does that mean? Does that mean that i basically have to re-file bk or go through what i went through before? also what kind of damages am i going to be awarded for this (if i have to go through a big hassle for this it had better be worth my while)? i am not a sue happy person and would rather be done with this, but these guys are asking for it and after several warnings are now going to get sued. I mean come on-entering me into a new contract (with a new account #) in accordance with the automatic stay- i never asked or authorized this. 4 letters from my attorney? they are definitely asking for it. any info would be appreciated- thanks.
  9. good idea- thank you- i will
  10. Filed BK7 in March 2003- discharged June 2003. Att continues to attempt to collect for discharged debt (actually non existent debt). In May 2003, they sent me a letter stating that they were notified of my bk and that they cancelled all unpaid charges up to my file date (probably 30 bucks). However, in order to continue service to me they were entering me into a new contract- with a new account number- and that i was responsible for all charges from the file date forward (which now have accrued for months). Anyway, I have a copy of this letter and of 4 cease and desist letters that my attorney sent to either ATT or their collections company, and a log of every contact that has been made over the last year. First letter to ATT was sent in July 2003, last letter was sent in January 2004, last contact from collections was mid Feb. Attorney told me in Jan that if i continue to be contacted to let him know and we would file a lawsuit. Well low and behold, in todays mail i get a notice from the collection agency that they will knock 80 bucks off the 380 i "owe" if i pay today. i called the collection agency and spoke with the fellow who told me back in feb that i would not be contacted again. He stated that what he said was that they would not call me again- nice technicality. I asked him if he would like to be named in the lawsuit that i am going to file. His response was "there are words and then there are actions"- that he was "wasting his time"- and he hung up on me. Anyway i think i have a pretty damning case against ATT. My question is, what is this going to entail? i hear about re-opening the case- what does that mean? Does that mean that i basically have to re-file bk or go through what i went through before? also what kind of damages am i going to be awarded for this (if i have to go through a big hassle for this it had better be worth my while)? i am not a sue happy person and would rather be done with this, but these guys are asking for it and after several warnings are now going to get sued. I mean come on-entering me into a new contract (with a new account #) in accordance with the automatic stay- i never asked or authorized this. 4 letters from my attorney? they are definitely asking for it. any info would be appreciated- thanks.
  11. trigger pulled. thanks for your reponse.
  12. i have to ask this again. when i call to have addresses removed is this considered a dispute- as in i cannot start another dispute for 30 days. or can i send a tl dispute as soon as i see that my pg file has been updated. please anyone? got an itchy finger on the trigger to start first round of disputes. thanks
  13. thats too bad- i was hoping it was a miracle. thank you
  14. i have an eq report from october that i was going to do my disputes with but i decided to get a new one at myfico first. it seems all the account # that were listed on my oct report are now listed as "not on record." i am disputing with a new address on my file- all accounts were listed to old address that has been removed. am i correct in thinking this is a very very good thing? also i was going to dispute in this format- not mine creditor- account # creditor- account # creditor- account # creditor- account # since i have multiple account disputes with the same creditor- 4 cases of 2 or more accounts per creditor- am i better off, under these new circumstances, disputing as "never had an account with this companies" creditor creditor creditor creditor in hopes of having more than one tradeline removed per creditor. please offer advice. thanks
  15. my new address is finally being reported on my cr. i called exp today to have old addresses removed- but i guess throughout all my reading i did not notice that i was supposed to have old names removed as well. the person at exp said that they would update and take 7 to 10 days to verify and remove the old addresses. can i call back monday and have names removed or do i have to wait for 30 days? can i begin disputes as soon as i verify on pg that the addresses are removed or do i have to wait for 30 days on that too? it has always appeared to me that people were having addresses removed as they spoke with the representative on the phone. thanks