nwschmidt

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About nwschmidt

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    North Dakota
  1. I can't name the CA's due to the settlement hush hush agreement, Two seperate CA's in two different states trying to collect on the same account. I recieved $4000.00 from one and $3600.00 from the other. I have a deal with a good friend that happens to be an attorney and we usually split the kill 50/50. The story doesn't end here. There was a third CA that had been bothering me for over a year on the same account that came out of the woodwork shortly after the above mentioned cases were settled. That CA was also an attorney and he filed for a dismissal, "with prejudice" 4 days before a schedu
  2. I was served with a standard collection notice from an attorney and it was FDCPA proof. He followed all the rules so I responded with a standard validation request. He followed up months later with what looked like an old signature card and some copys of an old statement from the OC. I never responded and several months later I recieved a filed summons and complaint from Discover Financial Services Inc.:same attorney". I responded with an answer and also reserved the right to assert a third party claim for violations of FDCPA. I was then served with a request for discovery. I answered that req
  3. Can someone please tell me what RMA stands for?? Thanks??
  4. I recently came to an agreement with my Mortgage company. They agreed to bring my loan current through my march 25th 2004 payment. They waived all past due payments and late fees. The agreement also included the method to be used to come up with a loan balance we could all agree with. The mortgage company used the original start date of the loan and recalculated the payments as being made on time through the March 25th 2004 payment. I agreed to start making payments starting with the April 25th 2004 payment. They also agreed to reflect this recalculation on my credit report. They agreed to sho
  5. I recently came to an agreement with my Mortgage company. They agreed to bring my loan current through my march 25th 2004 payment. They waived all past due payments and late fees. The agreement also included the method to be used to come up with a loan balance we could all agree with. The mortgage company used the original start date of the loan and recalculated the payments as being made on time through the March 25th 2004 payment. I agreed to start making payments starting with the April 25th 2004 payment. They also agreed to reflect this recalculation on my credit report. They ag
  6. That's because I got my "whipping" tips from YOU! I made the CA's attorney a co-defendant liable for any claims which I may have been held liable for. I charged them with violating FDCPA Sec. 807(2)(A) - False representation of the character, amount or legal status of any debt -- specifically for bringing suit on a time barred debt and for trying to collect interest and penalties and attorney's fees which are ILLEGAL under state law (since they had NO contract). Also included a request for actual damages and monetary compensation. Finally, we threw in a nice "reasonable" amount for legal f
  7. Discovery demands take time and money? ?? Time for sure. Money to haver them served.
  8. A U.S. federal trial court serving a judicial district. A state court of general jurisdiction in some states.
  9. District court, a subordinate municipal, state, or United States tribunal, having jurisdiction in certain cases within a judicial district.
  10. No. From what I see in court cases, it's dispute/verified, dispute/verfied, PR/no response or nonsense, PR/no repsonse or nonsense, PR/no response or nonsense then sue. Seems to work rather well. You can file in small claims if they have an office in your state, otherwise you'll have to file in a higher court or federal to avoid jurisdiction problems. The CRAs normally remove to federal if filed in a state court. Nearly all cases have a stipulated dismissal, meaning it was settled. The only time the CRAs seem to fight is when damages exceed $1000, like in a case where someone was denied credit
  11. With legal council fdcpa cases can pay very well. However I would love to here a story where someone actually won a case via small claims with no council!!