delighted4

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About delighted4

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    Impressive 100+ postings

core_pfieldgroups_99

  • Occupation
    Government

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  • Location
    Northern California
  1. The first collection account seems to be listed by a collector as a debt buyer account? It states it is a retail account. I never opened a retail account, so I will dispute with CRA first as not mine. What do you recommend afterwards if not removed? What is the best way to tackle this account? I reside in California. 1) Creditor classification: Retail Date opened: 10/06/2010 Balance amount $9,974 Amount past due $9,974 Date of 1st Delinquency: 11/2009 Date Maj. Del. 1st Rptd: 11/2010 Status- Collection Acct Type of Acct-Open Type of Loan-Debt Buyer A
  2. Thanks for your comments DH. I had some computer issues with this web site and I was unable to respond. It is fixed now. I have copies of my friend's paperwork. Here are some findings: Superior Court in California The OC charged off in 2003 CA purchased acct from OC in 2005 Complaint filed in 2006 Judgement entered in 2007 If the OC charged off in 2003, isn't the acct now SOL? From your response, it appears that if the complaint was filed in 2006(in which it was), then it is within the SOL. However, she was not served and had no knowledge of this lawsuit. She became aware of this in November 2
  3. My friend resides in California and was served garnishment papers at her job. She never received a summons and the last address that was included in the papers was atleast 5-6 years old. Apparently this CA put the summons in the newspaper in a county that my friend does not reside in. My friend went to the court and ordered all records connected with this case and I am trying to assist her. From what I see , here are the findings: The OC sold the acct to the CA in 2005. Furthermore, it is written that the plaintiff's cannot provide the original application signed by the defendant(believed to
  4. A friend who resides in California, received a Wage Garnishment Judgement from HR at her job. She never received a summons and complaint. Therefore, she could not respond to the summons and complaint in time and a judgement was issued. She went to the couthouse and ordered records. She found out that the paperwork mentioned that the debt (which is an open-ended acct)credit card. The OC charged off the balance in 2003(past SOL). The CA claims that they purchased this acct from the OC in 2005 and claim the right, title and interest in this acct were assigned to them (CA). The CA attorney attach
  5. A friend who resides in California, received a Wage Garnishment Judgement from HR at her job. She never received a summons and complaint. Therefore, she could not respond to the summons and complaint in time and a judgement was issued. She went to the couthouse and ordered records. She found out that the paperwork mentioned that the debt (which is an open-ended acct)credit card. The OC charged off the balance in 2003(past SOL). The CA claims that they purchased this acct from the OC in 2005 and claim the right, title and interest in this acct were assigned to them (CA). The CA attorney attach
  6. My friend had a judgement filed against her in CA from an alleged CA company in CO. The CA company is using a California based attorney. The way she found out is this CA sent paperwork to her job for a wage garnishment. She never received a summons and when I plugged in her case number into the superior court website it stated "No File Found." What is going on? Also noted in the top right hand corner of the judgement, it is labeled for court use only and the box is blank. Usually it is filled in. She turned in a claim of exemption form WG-006 along with a financial statement WG-007. The levyi
  7. I need help for a friend in California. He received an Earnings Withholding Order at work which he had no knowledge of. He was never served a summons and has not lived at the address on the Earnings Withholding Order for several years. Per the order, the judgement was entered on 11/2/07 and issued on 10/9/09. It is also stamped in a superior court outside the county in which he resides. It also lists an attorney office in CA, but the plaintiff is in Colorado. He is very upset and states he does not know who this is. What can I do to help? I need an answer quickly, because the money will be ta
  8. I experienced this before. I googled the number and sent a cease and desist letter certified of course. I also mentioned that if they continued, legal action would follow. They never called again. You might want to try something like that.
  9. It really depends on your plans. Do you need it removed now or do you have time? You can monitor it or dispute "obsolete acct" and see if it drops off.
  10. On 6/1/09 sent EQ Certified Letter w/Receipt notifying them of inaccurate and incomplete items(9 in total). Requested that w/in 30 days of letter if the accounts are found to be inaccurate or incomplete, to basically make the proper deletions. Also requested if info was found to be verified, please forward the MOV w/in 15 days of the completion of the investigation. I also added that if I did not receive results of the dispute within the timeframes, then I will assume that there is no proof and the tradelines contained within this letter will be deleted. I received an updated copy on 6/30/09 i
  11. Requested an investigation on credit report and it came back verified as expected. Requested method of verification FCRA 611(a)(7) and reminded CRA that they had 15 days to respond. I received a letter stating the verification documents are not available. Time has lapsed for the CRA. I am preparing a letter to mail out tomorrow for FCRA willful non-compliance and offered to avoid legal remedies by deletion of accounts. Does anyone have anything else to add? I welcome all comments.
  12. Daughter attends college out of state. In 2006 apparently a tax lien was placed on her good rating credit report and she did not receive any paperwork prior to the lien. What can she do? She attends College in New York and I live in CA. Worried Mom
  13. Daughter received a tax lien from taxes last year (2006). Never received paper work stating that she owed. She has a good credit score and is willing to pay. How should she proceed on resolving this issue. She attends college out of state and the lien is ruining her good credit standing. I believe her mail was sent to an incorrect address. The lien is filed in a county other than where I reside.
  14. I sent a dispute letter to CRA and within 2 weeks, I received a letter from the CA. The letter only listed Fee's(no signed contract etc.) The acct is within the SOL. I also find it interesting that the letter lists the following: Principal $327.97 Interest $86.06 Fees $207.01 Late Charge $0.00 Additional Interest & Fees $0.78 Total: $621.82