chuckd

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About chuckd

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    Impressive 100+ postings

core_pfieldgroups_99

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    Music, Reading, Poetry, Mathematics, Quantum Physics, Computers
  • Occupation
    Bill Collector (don't hate me!)

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    Texas
  1. Ok... i was thinking a pay for delete would be preferable than dealing with them incorrectly reporting it on my CR. I am just being lazy. I will leave it alone and see if they stop reporting it when they should, and if not then I'll start the fun of holding them accountable for their mistakes. Thanks for the replies, everyone!
  2. Howdy. Long time no post. I'm a former regular-ish person around here. I used to work as a bill collector, and posting here to try and help people was my way of trying to atone for my sins. I got a collection letter today for a bank account that charged off back in 2006. Of course it was like $600 at the time, and now it's over $1400. Apparently LVNV (who has been calling and sending me mail) sold it or reassigned it to Allied Interstate. I was just going to let it die, but I looked on my credit and they are reporting it as a separate tradeline. Wrong dates, etc. So I want to pursue that, but I wanted to wait and see if they removed it when it *should* be removed. The letter I received today said the account was charged off in August of 2006, which means it should be off my credit bureau report in a month or so. Here's my question: Should I call and tell them I will offer $100 in exchange for removal of all trade lines? Their letter offered a settlement amount of $300, so I was thinking $100 is a reasonable counteroffer. I was thinking of waiting until a day or two after the 7 year mark, pulling my credit, and then calling with that offer. Of course I wouldn't give them money without the agreement in writing, but I feel like if I point out they are violating FCRA by reporting incorrectly they might be more apt to make a deal. Plus, I hated working there and would really like to stick it to them in some way. Thanks! Chuck D, former miserable bill collector (now I work in IT, so I'm miserable in an entirely different way!)
  3. Short version of a long story: I posted previously about this, but the situation has changed. I had a car repo from early 2005 through my old credit union. They had their law firm (Weltman, Weinberg, and Reis) file suit against me in 2007, and won a default judgement because they served the papers to the wrong address (106 vs 103 in the street address). The amount was 10k, but was up to almost 16k with interest. I settled it yesterday with the OC for $4200... got it all in writing and all that good stuff. So, now that it's settled, I want to have the judgement vacated based on improper service. It is my understanding that since the original debt has now been settled, if I am able to have the judgement vacated, they cannot attempt to get another judgement. Also of note, the judgement does not currently show on my CBR (Equifax and Experian, not sure about TU as I can't pull online for some reason). The original account is showing up on my CBR. Should I even try to get the judgement vacated, since it's not showing on my CBR? Also, are there any negative ramifications of trying to get it vacated (if I choose to do so)? What paperwork will I need to provide in order to prove my address at the time? I no longer live in that apartment, and no longer have a copy of the lease (called my old landlord and he doesn't, either). Would a copy of a utility bill suffice? Thanks for taking the time to read this and offer any suggestions you may have! Dan
  4. Also, I noticed today that the address on the case is wrong (106 vs 103 street address). Given this, I can file for a motion to vacate based on improper service, right? If I can do that, will that void the 8% interest they've been collecting for the last 2 years that was part of the judgment? Not sure what my next move would be, assuming I am able to get the judgment vacated.
  5. First of all, thanks for reading and taking the time to help with my situation. I've cross posted this to a few different sites of this type, so apologies in advance if you see this more than once. Long story short, I have a judgment against me from 2007 for about $15k now. I say "about" because the actual judgment is not on my experian or equifax reports (sort of, I'll get to that in a minute). This figure is based off a phone conversation that I had with the law firm attempting to enforce this judgment. The law firm is Weltman, Weinberg and Reis. Based on the posts I've found by searching forums such as this, I've found that they're somewhat well-known for being shady. They never properly served me, or at least I should say that I never saw any sort of paperwork regarding a lawsuit, so they got a default judgment against me. This is actually a combination of 2 accounts from the same credit union. One was a car loan (voluntary repo) for around $5500 (after sale) and the other an unsecured personal loan for around $4500. They filed one suit for the entire amount of both loans, and got a judgment with an interest rate of 8%. In 2008, they found a bank account I had and took every last penny (about $1k total). Knowing that I owed the money but not aware I had a judgment against me, I found the case on my county clerk website and got their number. I called WW&R, as they were listed on the court case, and offered to make some kind of arrangements or settlement offer. They offered a settlement of 85%, which was about $11K at that time, or I could make a down payment of $2K and make payments of about $600 a month until it was paid off (which would be about 2 years). Needless to say none of these options were financially feasible for me at that time. Also, I have not had a bank account since that time, for fear of this happening again. I made a grand total of $10,400 in 2009, but started a decent paying job (little less than $50k a year) in December. Now that I finally have money available to file bankruptcy (what I thought was my only solution), the lawyer I went to see said that I make too much money compared to my overall debt (I have about $25k total in debt, and the repo was the only secured debt). How ironic, I finally have the money to file, and I make too much money to file. He suggested a chapter 13, which is less than ideal for me, but not something I'm *totally* opposed to (though I will admit the length of time involved is daunting). Also, I should note that most of my other bad debt will be falling off my reports in 2011/2012 (assuming none of the CAs try to re-age it, which I'm prepared to deal with). Basically I was planning on filing a chapter 7 bk mainly because of this one debt, just so that it would be done and over. So what are my best options here? Should I just do a chapter 13 bk and be done with it? 3 years seems like such a long time, and my 15 year old car could use to be replaced with some sort of model from this decade, so I'm worried I won't be able to get even a small car loan while in ch13 BK. I feel as though there may be grounds to fight the judgment, but it's been a long time since it was entered and I did not have the resources to fight it then (or even know it existed). I really appreciate your suggestions and help. Thanks again for reading. If you need any more information, feel free to PM me and if you have been a member here for awhile I'll be happy to send you the URL to the case on the county clerk's website. - Dan
  6. I had a repossessed car (voluntary) from back in 2005 that was turned over to Weltman, Weinberg & Reis. They obtained a default judgment against me in 2007 after sending notification to an old address (which, after doing some research online, seems to be their MO). In 2008, they garnished my bank account for almost $1000, and I have not had a bank account since for fear of them taking even more of my money. When they took the money, I called and tried to make some sort of reasonable payment arrangements. They wanted 85% of the balance (total balance is around 14k), or payments of $600 a month until it is paid off. I have had no contact with them since. I have a meeting with a bankruptcy attorney on Tuesday. In preparation for this, I pulled my credit bureau reports, and I noticed that pretty much all of the bad debt I have is scheduled to drop off my CBR as of 2011. It seems kind of ridiculous to file bankruptcy because of this one debt, but the inability to have a bank account is causing all kinds of stress (they're pretty much a necessity these days). What kind of options do I have here? I used to be a debt collector (many years ago), and spent a lot of my time during that period of my life on boards such as these... I considered it my atonement for my day job. It has been a long time since I've read up on FDCPA and FCRA, and I've also never had to deal with this level of legal activity (I've never had a judgment against me before this), so I'm really at a loss to what my next step should be or what my options are. Please help!
  7. Yeah and I try to tell people all the time: WATCH OUT FOR OFFSETS! What's an offset? Well look at it like this: I have a checking account with Bank One. I also have a car loan with Bank One. I choose (or am unable) to pay on my car loan, but deposit a $2000 check into my checking account (let's just say it's from my tax return). Bank One is perfectly within their rights to take what I owe them directly from my checking account. Happens all the time, and it really goes back to what your momma told you: don't put all your eggs in one basket.
  8. Hey guys I have a worthknowing.com account and I like it a lot (being able to pull multiple times a day is very nice at least when the site is working...) but I *HATE* their worthknowing scoring system. Are there any websites that will let me pull a TU report with a score that is still free? I ask this because I had a baddie deleted from TU and my WK score went from a 5 to a 10 but I want to know what the REAL score is now. thanks guys! Dan
  9. First off, your tone is (correctly?) coming across as very incendiary which I assure you is not necessary. The agency I work for (I will not go insofar as to associate myself with my employer by saying "my agency") is licensed in every state that requires it. Second of all, we are not actually working these accounts on a contingency basis. We are working INSIDE discover cards facility on DISCOVER cards computer systems. Consider it like a temp position if you will. I have access to all accounts past a 120 day deliquency status. And I have full authorization to settle said accounts. I appreciate that (if I am interpreting your post correctly) you are trying to help me personally, my employer (both of which I find unlikely because I am skeptical by nature), or any readers/posters of this board (which seems the most likely answer), but I feel as though the tone of your post is entirely unnecessary. Good day. CDM
  10. Thanks for the good wishes. I *WISH* I could erase the entire database here at discover, but it wasn't even all that easy to get on the internet even. They have their systems locked down pretty hardcore, and I know my way around a computer system (had a computer almost 20 years... since I was 4 years old) It would be nice though
  11. Ok here's the deal. Don't know how many of you guys know me, but I post at creditnet.net, creditboards.com and at creditinfocenter.com. Consider me your insider. I work for a CA. I am getting ready to go to a new job though, and I only have 2.5 days left (today, friday, and sunday) before my new job starts. I recently got moved to a Discover card project working on accounts that are pre-charge off (150 days+). Here's what I'm going to do: starting tomorrow, I want to help as many of you as possible if you are in a position to settle your Discover card account. No strings attached. I can settle between 30-50%, depending on how long your account has been opened, and what your score is (internal discover card score). No gimmicks, no games. If your account can be settled for, let us say, 35% I will do that and not charge you a penny more. If you doubt my sincerity, let me just state (and I hope someone [perhaps another collection agent or someone who was in the past] will verify this) that I will NOT receive any type of bonus for this, as my last day with this company will be 7/27 and you don't get paid a bonus with a CA if you quit before the end of the month. I just want to do what I can to help. I will not be doing any of this until tomorrow, starting at 8AM. If you are interested in this, you can either email me at dan@themarshallhome.com or I will be starting a thread in my forum at http://www.themarshallhome.com/forum (in the credit section) that you will need to register (for free, the registration process is very much like this site, and your information is strictly confidential) for. Here is how I would like the process to work if you want to do this via my forum: register, post a message to the board in the appropriate thread, I will then private message you (it is important that when you sign up you set your preferences to allow PMs) with my work phone # and direct extension. I will NOT post it here, or in any other thread. A quick recap: - If you want to settle your account, I will help you and let you settle for the absolute minimum. - I CANNOT not, repeat CANNOT, delete a tradeline from a CBR. I wish I could, but I am a lackey and I don't have the authority to do so. - If you want to take advantage of this, the ONLY 2 ways to do so will be to either email me at dan@themarshallhome.com or register on my forum at http://www.themarshallhome.com/forum, go into the credit forum, post a message saying that you would like to settle your discover card. I will allow this via proxy (not internet-ally speaking but meaning if you know or are related to someone that wants to settle their discover account but cannot email me or access the internet). The reason I am being so stringent in my guidelines on how to do this is because I don't know how many people are going to do this. I am going to post this on several boards so I can't really watch all replies to like 3 different message boards. I just want to make sure I don't get overwhelmed. You may ask yourself why I am doing this. Well it's quite simple. I like a lot of you guys (hi psychdoc, nanasi, and picantel ) and I really hate the company I work for. You may or may not believe me, but I am absolutely sincere in my intentions, and I will NOT misrepresent the truth to you. Good luck to you all, and I look forward to doing something good while I'm at work for a change. Charles Daniel Marshall
  12. Ok here's the deal. Don't know how many of you guys know me, but I post at creditnet.net, creditboards.com and at creditinfocenter.com. Consider me your insider. I work for a CA. I am getting ready to go to a new job though, and I only have 2.5 days left (today, friday, and sunday) before my new job starts. I recently got moved to a Discover card project working on accounts that are pre-charge off (150 days+). Here's what I'm going to do: starting tomorrow, I want to help as many of you as possible if you are in a position to settle your Discover card account. No strings attached. I can settle between 30-50%, depending on how long your account has been opened, and what your score is (internal discover card score). No gimmicks, no games. If your account can be settled for, let us say, 35% I will do that and not charge you a penny more. If you doubt my sincerity, let me just state (and I hope someone [perhaps another collection agent or someone who was in the past] will verify this) that I will NOT receive any type of bonus for this, as my last day with this company will be 7/27 and you don't get paid a bonus with a CA if you quit before the end of the month. I just want to do what I can to help. I will not be doing any of this until tomorrow, starting at 8AM. If you are interested in this, you can either email me at dan@themarshallhome.com or I will be starting a thread in my forum at http://www.themarshallhome.com/forum (in the credit section) that you will need to register (for free, the registration process is very much like this site, and your information is strictly confidential) for. Here is how I would like the process to work if you want to do this via my forum: register, post a message to the board in the appropriate thread, I will then private message you (it is important that when you sign up you set your preferences to allow PMs) with my work phone # and direct extension. I will NOT post it here, or in any other thread. A quick recap: - If you want to settle your account, I will help you and let you settle for the absolute minimum. - I CANNOT not, repeat CANNOT, delete a tradeline from a CBR. I wish I could, but I am a lackey and I don't have the authority to do so. - If you want to take advantage of this, the ONLY 2 ways to do so will be to either email me at dan@themarshallhome.com or register on my forum at http://www.themarshallhome.com/forum, go into the credit forum, post a message saying that you would like to settle your discover card. I will allow this via proxy (not internet-ally speaking but meaning if you know or are related to someone that wants to settle their discover account but cannot email me or access the internet). The reason I am being so stringent in my guidelines on how to do this is because I don't know how many people are going to do this. I am going to post this on several boards so I can't really watch all replies to like 3 different message boards. I just want to make sure I don't get overwhelmed. You may ask yourself why I am doing this. Well it's quite simple. I like a lot of you guys (hi psychdoc, nanasi, and picantel ) and I really hate the company I work for. You may or may not believe me, but I am absolutely sincere in my intentions, and I will NOT misrepresent the truth to you. Good luck to you all, and I look forward to doing something good while I'm at work for a change. Charles Daniel Marshall
  13. Well just pulled my experian report... last collection item (just had a paid collection deleted) is an $88 cell phone bill that was verified when I did a TU dispute... well I pull my experian and it's showing: Status Details: This account is scheduled to continue on record until 3-2009. This cell phone bill is from like 1999 or 2000. The CA is Anderson Financial (AFNI). Anybody else ever had a problem with (or heard of) AFNI reaging accounts? I'm going to request validation as soon as I get off my lazy arse. Correct me if I'm wrong but isn't it a FCRA violation to reage a debt? Inaccurate information or something along those lines? I just did an online dispute with experian today on this account, so maybe this time it will go thru and get deleted. Thanks for any advice! Dan
  14. what the heck is up with the formatting of the threads? I just replied to this thread and the post I replied to is now showing BELOW my reply? Whazzup?!?!?