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About gdouglaslee

  • Rank
    500 posts and hasn't been banned yet....


  • Interests
    Very small rocks
  • Occupation
    Medieval Serf

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  • Location
    Sinsville, Ohio
  1. I have to conclude that you didn't read the case law I posted. If I thought it would help, I would post more recent case law from the last year to but I doubt it would.
  2. Listen up, Loverboy, you should pay attention to what you read. I never said permissible purpose was the issue. The issue is they can pull to see if the terms of the account are being met pursuant to 604b(a)(3)(F)(ii), and that appears as a hard inquiry on a credit report. If the OP doesn't like it, the OP can ask, them to "re-code" it, but they don't have to if they don't want to, and there's nothing the OP can do about it, and numerous courts have said so. Contrary to your misguided beliefs, inquiries have always appeared on credit reports, and pulls have always affected credit scores, whet
  3. You have apparently misread whatever information you had and are still confused and don't understand. The various formats used by the credit bureaus and on-line reports doesn't help with the confusion. You are looking at two very different and very distinct data fields. The 'Account Type' data field and the 'Account Status' data field are not the same and do not mean the same thing. Your credit reports are showing "Account Type: Open." That is correct because Sprint provides communication services. Unless Sprint also provides medical services and mortgage financing, and I don't believe they do
  4. Don't think so. What are the Metro 2 Format Guidelines? Are they federal statues? No. They are not federal statues. They were not created, authorized, condoned or approved by any federal agency. Are they state statutes? No. They are not state statutes. There were not created, authorized, condoned or approved by any state legislature. The what are they? Nothing. There are several federal district and appeals court cases which hold that a "mistake of law" is not bona fide error. In one case the CA claimed bona fide error because it was confused and though the SOL was 6 years not 3 years. Too,
  5. You should break down and read the FCRA sometime, you might actually know what you are talking about. 604b(a)(3)(F) otherwise has a legitimate business need for the information (ii) to review an account to determine whether the consumer continues to meet the terms of the account.
  6. Why not? Everytime you call you get a different CRA customer service rep. Some are more easier to snow than others. You can get addresses and inquiries deleted if you call a few times. But you can only call so many times before you start wasting you time and that's when you send a letter to document what you're doing.
  7. Who exactly is this letter from? The IRS can confiscate tax refunds, but I wasn't aware that the IRS could initiate administrative wage garnishments. The Department of Education does, but evey they are capped at 15% of your disposable income, and you have a few opportunities to dispute or have hearings on the matter.
  8. That's because, thanks to people like you, creditors and collections agencies have years of experience and know that threats are merely threats and that people like you have no intention of following through.
  9. What evidence do you have to support your contention that it must be marked disputed within 5 days? Present your evidence from the FDCPA and from applicable case law that the OP must prove the actions are of the debt collector must be willful. This might come as a shock to you but the Greatgloopsby has a habit of posting information that is blatantly false, misleading, unsupported, undocumented, mere conjecture, baseless and without merit, which leads new people into taking actions which are harmful. I have to wonder if it isn't a troll. I want to see documentation from the FCRA, FDCPA, staff
  10. Before wasting your time, why do you do the obvious and go on-line to your state's secretary of state or secretary of commmerce web-site. Many, if not all, state SOS/SOC sites allow business searches. You can find out if they are registered as a foreign corporation and if they have an office, a registered agent or neither. I'm sure you realize that the information there would be more accurate and up-to-date than a general web-site that has no affiliation with any of your state's offices.
  11. What evidence do you have to support your contention that it must be marked disputed within 5 days? Present your evidence from the FDCPA and from applicable case law that the OP must prove the actions are of the debt collector must be willful.
  12. Oh, yes, they do. I would think it would be embarrassing to live in Florida and not know that.
  13. I believe it's called the "Doctrine of Necessities." Spouses are jointly and severally liable for each other's medical debts. The doctrine is in use in all states that do not have laws that spell it out and even those that do. Case law in some states goes as far back as the late 1700's. Recently, a couple of states have declared that "cosmetic" or "elective" medical procedures do not fall under the Doctrine of Necessities and a spouse is not liable for such debts. There are no FCRA or FDCPA violations and clearly, the CA has bona fide error as a defense. What you should do now is have your a
  14. Newbies are always confused between the account type and the account status. The account status for charged off credit cards is always 'closed'. As far as the account type, that's an interesting query. I get your point loud and clear. How do you explain to a judge that a JDB mischaracterized the debt as an open account while at the same time trying to say that the debt falls under the 3 or 4 year SOL for open accounts? But there is a difference. I have to believe a JDB collection account like they appear on TU does not affect credit scores as hard as a JDB "creditor" account as they appear on
  15. Those aren't affirmative defenses and will not stop a judgment. In some states, SSDI and/or child support is attachable. If you want to remove the case to a higher court, you must pay the filing fees for that court and file the notices. You must read your states rules, usually you have a maximum of 30 days from the date you were served to remove the case. After that, too bad. If your husband and child are listed as defendants, then they must file their own answers and provide defenses. If your husband and child fail to answer, they have defaulted and judgment is automatically entered against