grantjeffries

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About grantjeffries

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  1. It means skipped town. Evidently they are unable to locate you. It also signals other creditors to contact them if they acquire your location information.
  2. Yes, one in the same. Welcome to the United States Code. Title 15 Commerce and Trade Chapter 41 Consumer Credit Protection Subchapter III Credit Reporting Agencies Then things start to look familiar: SHORT TITLE This subchapter known as the ''Fair Credit Reporting Act'', see Short Title note set out under section 1601 of this title. http://www4.law.cornell.edu/uscode/#TITLES
  3. How does it appear when a CA/OC places the dispute?
  4. If you are going to employ this strategy then consider using the appropriate for rate for the work you are doing. Why not find out what the law clerk or paralegal rate is in your area and apply that to the hours spent on research? Does anyone think the judge will have any problems with that?
  5. Can someone that has had experience with edcombs let us know how it went?
  6. Doesn't apply to creditors, only debt collectors......The OP asked about creditors........... I read it as creditor = collection agency since those are the battles I have been fighting. Damn sharp distinction there Swede! For some reason the ol sayin sharp as a whip stings my brain
  7. I wonder if it would be considered covered under this since cell phones weren't quite as prevalent at the time of the FDCPA: § 808. Unfair practices [15 USC 1692f] (5) Causing charges to be made to any person for communications by concealment of the true propose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. If you don't know who is calling and you answer your cell phone incurring charges could that be considered a violation? Is that a stretch?
  8. I have a different charge off dates on EQ, TU & EX for an older unpaid CC charge off a Collection Agency is contacting me about. The dates differ by more than a year. How can I tell which one is correct? How does one take steps to find out? The difference is important because it may determine whether it is in SOL or not. Should I risk a call to the OC? Here is how the 3 are reporting DOLA...it is not the same. Dola on EQ: Last Activity 01/1999 Date Reported: 10/1999 Dola on TU:Closed:06/1998>Status as of 06/1998: Charged off as bad debt< Dola on EX:Charge Off as of 3-2000 This account is scheduled to continue on record until 7-2006. This item was verified and updated on 2-2002. What the heck?!? It can mean the difference between a successful SOL defense and a JUDGEMENT!
  9. I believe this is what I was looking for: § 808. Unfair practices [15 USC 1692f] A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section: (1) The collection of any amount (including any interest, fee, charge, or expense incidental to the principal obligation) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. If a CA wants to add charges to your account then make them show proof that they are allowed per agreement or law.
  10. I am not so sure about that. I haven't found the statute yet but this indicates otherwise: Collection Agency Harassment The most common abuses are persistent telephone calls at inconvenient hours and threatening letters and telegrams, including phony legal subpoenas. Collectors frequently pretend they are collection-reporting services as well as collection agencies and claim they can list unpaid accounts with various merchant credit retail associations. Thus, people are incorrectly led to believe that their credit rating will be seriously affected unless the bill is promptly paid. Also, some agencies illegally tack collection charges onto the debt. Here is the direct link. Change it to your state: http://cobrands.public.findlaw.com/consumer/newcontent/consumerbook/dgtchp3_b.html
  11. Did you get any info back on this from CALawyer or TexasLawyer yet? Do they concur?
  12. I am still a newbie so for clarity purposes I wanted to make sure I read the law correctly. I thought I understood it to state that IF something is reported then it MUST be 100% accurate. I didn't see anything that stated every tradeline must be reported. To sum it up, report or don't report but if you DO report then report correctly. If I understood correctly then can it be illegal to offer to make a deal to drop your cause of action under the FDCPA/FCRA/FCBA if an OC or CA will drop the reporting? Thanks to all in advance!