marisakay

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Everything posted by marisakay

  1. here is what was going on: http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=248359 basically Portfolio recovery )MBNA original)....sued me for2000....in 2005, I disputed and they violated many things...so I fought them in court w counter claim...they got scared and we agreed to drop it and no one sues anyone, and credit report cleared...........that happened. now yrs later Portfolio is calling me saying I owe, 5000 for MBNA!!! I am like um no...sorry I still have the papers we both signed (not in front of me)...stating mutual dismissal, etc.........so what do I do to get them to stop? are they just baiting w old account seeing who will bite?? he called saying he could give me a great deal! HA
  2. last yr I received a "late bill" from Alltell syaing I was late on a bill that was 2 yrs old..and owed 581....it had an old address on it that I have never lived ??? so I called alltell right away and they said they have been sending notices to that address..I said I never lived there and always live here and I have NEVER had a cell phone yet alone alltell!!! she said it shows I opened an account for over a yr paying on time...then just stopped!! they put fraud on my account..I called credit reports and did the same thing....I disputed w the credit reports and they were allr emoved.... now months later I get a collection noticefrom CBCS columbus ohio..saying they now have that account....??? So i immediately sent letter asking valdiation (knwoing they would not have since not mine)....I demanded copy of license and signature..what do they send me?? a copy of the last bill??? that shows my name with this address I never lived at?? what is my next step??? please help....
  3. ty so much....i am typing up letter to boa now...ty..will update
  4. jsut received an overlooked collection orinally from BANK OF AMERICA...it is only 90 so I want to pay it...it is from a company called CLIENT SERVICES..they call everyday...I want to send the payment right away....what letter do I send along w it agreeing to pay...but to not report negatively on credit report? thanks for any info
  5. ty all for your info...now for an update...I have requested debt validation from them 3 times since FEB.....every time they have ignored it and keep cvalling me and keep sending me bills....my last letter I again stressed that I wanted validation but got nothing but more phone calls (i also did cease letter) well now for my update...I just received a letter from a NEW company that NOW has the loan for collections and now THEY are demanding 1400 and say I have 30 days to dispute..... so where do I go from here?? was that pointless for me to DV the last collection agency??? do I just try and settle?? do I keep dving?? any help would be great!@
  6. thanks , u are SO RIGHT!!!! right after I typed that I remembered that AFTER January 31, he got 2 forms from these CC's, after his taxes were already done, he should have amended them...so that was his fault for sure... so since WE DID NOT settle w any cc/s, simply piad them off in goodstanding, there are no special forms correct?? thanks so much
  7. he did settle w them, since the cc's were already delinquent, he settled for like 9000 instead of 15000...
  8. thanks all for the input, as for my FIL , he got scared and just paid the IRS the diff, since he was "supposed to count as income" it put him the next bracket and he owed 1000...I think what got him was that he paid off 2 BIG credit cards and also fixed up his house (new roof, windows, garage doors, etc)..I think they just saw that BIG cc PAY OFF and was like "um where did that money come from????" that is what I am afraid of for us, I feel like paying an accountant but I always do our tazes on turbotax because it is sooo easy!! all we have is DH's income, and last yr he had unemplyment comp (form 1099 G), and we have 2 dependents, so it is so easy to do...I am just afraid I am missing something w this EQUITY LINE OF CREDIT....unlike FIL , we did NOT get any forms from CC's saying thay reported to IRS payoffs...so do I even have to mention the euity line anywhere on taxes??
  9. hoping someone knows some info on this subject; you guys are always wonderful!@!@ hello, last yr we got a home equity line of credit to pay off all credit cards..the total was 13,000 and it paid off about 15 small credit cards..the biggest balance was 4000 (MBNA). so now do I need to do anything diff for my tax return? I ask because a few yrs ago when my FIL got equity line, he spent 45,000 and he ended up getting audited, and IRS said he owed more because he had to count that 45,000 as income??? so do we need to that as well??? we got NOTHING from the bank, or credit card companies, saying we had to report...so I am unsure how that works, and do not want to get audtited..thanks for any input?
  10. ty so much I am gonna DV them and go from there..I will keep u all posted..ty a bunch
  11. ty , thats what I thought, so should I still DV them and try to catch on violations? or ask for settlement?
  12. hello all, youhave helped me O SO MUCH in the past few yrs, I got a case dropped last yr when a creditor was trying to sue me for over 2000 bu they did MANY VIOLATIONS which I caught them on, so in court they agreed to drop...so thanks for that!!! now, I have 900 school loan from OSU that I seriously forgot I even had....it is from 1997, I got a letter from OSU last month saying I owe 900 still..so I mailed them letter asking for payment arrangements, never heard nothing back...yesterday got a letter from CA (GENERAL REVENUE CORP) saying I owe 900 plusinterest (45bucks) collection charges 333.35, current OTHER charges 203.00 for a grand total of 1482.17 I know to DV them correct?? and then try to settle??? or fight this? is there SOL in OHIO from 1997...should I instead just try to settle for like half?? they really tacked on lots of charges didnt they? any input would be lovely...you all rock thanks
  13. ty violated....what exactly do I write uP? YES, WE TRULY HAVE NEVER had cell phone (sorry for caps)...truly know nothign about this...thanks again
  14. wow!! sounds like a lot!!! thanks for all advice!..I received letter MAY 15, they received my letter on MAY 26 (green card shows this)...so now well over 60-70 days.... I just disputed w Credit reports as NOT MY ACCOUNT..and tomorrow I am sending the mean letter to CA saying you had 30 days, etc ..u sent NO PROOF ..delete now or I sue you..I am hoping this will be enough...andnot have to do police report..thanks for input
  15. in may, dh received letter from nationwide credit saying he owed 580 to alltel cellular. we have NEVER had a cell phone at all....never received notices, etc..dh has excellent credit....so I immediately sent dispute requestion validation. I got the green card that they received MAY 26. never heard any more..so I figured they dropped it..WRONG..went to bank today and still reporting as f9? as of july06..says charge off, etc...... I have called both nationwide and alltell and they have nothing...a social security number and someone elses address...so clearly someone stole DHs ss#....so I have disputed w agencies..now what??? send my "proof" that they did not validate to all credit reports AND nationwide???? and alltell????? dont they have 30 days??? well it has been 90.. the girl at NATIONWIDE said they only have ss#, and they ask ALLTEL for more info when needed...I said'"How can you push for money w just a ss???" she says it is just as good as signature???? I am confused... please help..I will continue researching thanks
  16. maybe I should make them add that they cant selol to anyone?? or does that include in the WITH Prejudice?
  17. ty: I have the paper for me to sign right here and it says NOTICE OF JOINT AND VOLUNTARY DISMISSAL WITH PREJUDICE UPON APPLICATION OF THE PARTIES PLAINTIFFS COMPLAINT AND DEFENDANTS COUNTERCALIM ARE HEREBY DISMISSED W PREJUDICE.EACH PARTY TO BEAR ITS OWN COSTS. this sounds pretty good right??? also I am wondering what the costs for me are??? all I did was file counterclaim in small claims..thanks again!
  18. now question: can they get me for CANCELLATION OF DEBT FOR THIS??? will I have to report this on my income taxes next yr??? also: it says we will each have to pay our own court costs to date: approx how much will that be?? 100's or less?? it is small claims...thanks
  19. ty for your post....makes sense now....now my question is I have a case against ME BY MBNA over a 2000 balance form 1999....they (porfoilio sued me for it in small claims) and I fought back and filed a counter calim now they want to drop the case all together (if I sign a paper dropping, they too will drop)...so will this happen to me next yr also>>>>??? ' does this make sense what I am asking?? I am hesitant to drop the case....thanks
  20. hello, you have all helped me so much in the past, hope someone can help....last yr my FIL had a awful yr, w his work, money, etc.....he had 20,000 in cc debt on 2 diff cards, so he got an euity loan on his home to pay it off...he settled w both CCs...one was MBNA, well did his taxes for him last yr online via HRBLOCK, now he gets letter from IRS today auting him saying he did not report CANCELLATION OF DEBT form 1099C for 6081.00, therefore add that 6081 to his taxable income??? so now he owes them 1689, where before he got refund of 522. A: he never got any form 1099c B. if he did then that is INCOME????? it says this on the paper: If a fed gov, fin institution, credit union, or other lender cancels or forgives a debt you owe, you must include the canceled amount in your income on page 1 off your tax return. we added this amount to your income. If you calimed insolvency, please provide us w a breakdown of your total assets and liabilities immedietly before the cancellation of debt. Debt cancellation is excludable only up to the insolvent amount. Any debt amount that remains must be included as income your tax return. he has no money...what is the best option here??? should he take it to his accountant??? can anything be done??? this seems weird to me..thanks
  21. ty for all your help!!! I am typing up a letter now to send to attorney. I will let you all know updates ...ty again
  22. thanks very much for your insight, I appreciate it. anybody else?