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PayCutHurtMe last won the day on June 19 2012

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  1. @BV80 It was in Magisterial District Court (small claims). There was absolutely nothing attached to the complaint. Their lawyer didn't even have anything except a one page printout of Asset's account info screen for each of the 3 accounts.
  2. Lukawski v. Client Services, Inc. UNITED STATES DISTRICT COURT FOR THE MIDDLE DISTRICT OF PENNSYLVANIA It's a non-published case and I coudn't find a cite for it. It's mentioned in this article: http://www.americanbar.org/publications/blt/2014/04/04a_marin.html
  3. @BV80 SOL in PA is 4 years. I'm in that limbo state now. All my derogs are 5 to 5 1/2 years old. I figured instead of just sitting around waiting for stuff to age off, I might as well try to get stuff deleted. The only case law I found for PA is a ruling where the court found it was an FDCPA violation for a debt buyer to add interest and not disclose it in their collection letters. I have 3 sets of letters from Asset, each subsequent letter showing a higher balance, and no mention of interest in any of them.
  4. @BV80 When I went to court, the lawyer tried to get me to settle. When I wouldn't, he withdrew. We never went in front of the magistrate. Wells shows the charge off amount as $5726 as of April 2011, the same month they sold it to Asset. Wells hasn't updated since.
  5. Yes, Wells is also reporting. I never DV'd Asset. They added the dispute comment to their reporting some time after dropping their lawsuits.
  6. Asset sued me on three accounts back in April 2013. They sent a local lawyer to try to settle and when I wouldn't, he withdrew the complaints. They report every month like clockwork and apparently, they have been reporting it as "disputed by consumer." I never DV'd them and I've never disputed any of the accounts with them or the CRA's. I have old EQ and EX reports from May 2012 and the disputed by consumer comment is not there. I don't know if a disputed by consumer comment is good, bad or indifferent. All I know is I've never disputed the trade lines. Here are the CRA entries for one of the accounts. Also, the balance due goes up every month. The OC charged off $5726. On my May 2012 report the balance due was $6090 and now it is $7035. Obviously, they are adding post CO interest at the statutory rate. Do I have any kind of leverage here for getting them off my reports? EQ ASSET ACCEPTANCE CORP Asset Acceptance,Llc PO Box 2036 Warren, MI 480902036 (844) 2361959 Account Number: WELLS FAR11234XXXX Current Status: Account Owner: Individual Account. High Credit: $5,726 Type of Account : Open Credit Limit: N/A Terms Duration: Terms Frequency: Date Opened: 04/29/2011 Balance: $7,035 Date Reported: 03/04/2015 Amount Past Due: $7,035 Date of Last Payment: Actual Payment Amount: $0 Scheduled Payment Amount: $0 Date of Last Activity: N/A Date Major Delinquency First Reported:05/2011 Months Reviewed: 46 Creditor Classification: Retail Activity Description: N/A Charge Off Amount: $0 Deferred Payment Start Date: Balloon Payment Amount: $0 Balloon Payment Date: Date Closed: Type of Loan: Date of First Delinquency: 12/2009 Comments: Consumer disputes this account information, Collection account TU ASSET ACCEPTANCE LLC #11234**** PO BOX 1630 WARREN, MI 480901630 (800) 5459931 Placed for Collection:04/29/2011 Responsibility: Individual Account Account Type: Open Account Loan Type: FACTORING COMPANY ACCOUNT Balance: $7,035 Date Updated: 04/03/2015 Original Amount: $5,726 Original Creditor: WELLS FARGO RAYMOUR FLANIGA (Retail) Past Due: >$7,035< Pay Status: >In Collection< Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: 11/2016 EX ASSET ACCEPTANCE 11234.... PO BOX 1630 WARREN MI 48090 800 614 4730 Recent balance: $7,035 as of 03/04/2015 Date opened 04/2011 Status: Collection account. $7,035 past due as of Mar 2015. Address identification number: 0658903301 Original creditor: WELLS FARGO/ RAYMOUR FLANIGA Type: Debt Buyer Terms: 1 Months On record until: Sep 2016 Credit limit or original amount: $5,726 High balance: $0 Monthly payment: $0 Recent payment: $0 Date of status: 09/2011 First reported: 08/2011 Responsibility: Individual Comment: Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act).
  7. At some point, the lates should start dropping.
  8. I guess that would be up to the particular dealer. Some dealers are pull crazy. I don't know your cash situation, but it seems like the CU should be able to work with you if you have a big enough down payment.
  9. I think that would depend on each card's credit limit. If you put the whole 2500 on A, that should free up 40 or 50 bucks a month that you can use to start bringing B's balance down.
  10. I can only speak for myself so, that said, I'd want the tax lien gone.
  11. I agree with @willingtocope. If the car is turning into a money pit, replace it. I was also approved for a car loan shortly after buying my house.
  12. Thanks, @BV80. Sounds like it could be either one. I'll give the postal inspectors a call.
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