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goodgirl008's Achievements

CIC Member

CIC Member (4/6)



  1. I need help trying to repair my credit. A little history on my situation. I accumulated debt over the years through early marriage back in '99......in 2003, I tried to do a debt elimination program and found that didn't work for me. I started getting calls from debt collectors trying to collect on the cc, and even settled with one cc company. Since then, i've had no activity on any of the other debts/cc (there was a total of approx. 20K). I sent DV letters to all collectors trying to collect on cc, but no one could ever validate and just kept selling the debt to other JDB. 5 years later, I have horrible credit, but don't know how to start cleaning it up? Where do I start? what do I need to do, to try and get my scores up on cr's? Help.....
  2. I do have my credit report, and it shows the last date of activity to be August of 2003.....I sent a DV letter to MCM, so I will see what happens then.....is there anything else I should do in the meantime? thanks for your reply....
  3. ikto45.....I will keep an eye on your post, because I too received a letter from MCM trying to collect on a debt that has not had any activity on it since 2003 (year the debt went into default). I want to know if they can even do that with Texas having an SOL of 4 years?
  4. I have not had any activity on my CHASE account since August of 2003. I live in Texas and the SOL is 4 years, unless I'm mistaken. I'm sending a DV letter to these people in San Diego, CA......is there anything else I need to do to get them to stop trying to collect on this account. How long will JDB continue to try and collect? thanks for any feedback....this is basically what they sent me: Midland Funding LLC recently purchased your CHASE MANHATTAN BANK account and Midland Credit Management, Inc. ("MCM"), a debt collection company, is the servicer of this obligation. As the new servicer of this account, Midland Credit Management, Inc. is considering forwarding this account to an attorney with the intent to initiate legal action to satisfy the debt. Please contael our office at (888) 327-8686 to make arrangements to pay this debt and prevent the possibility ofany legal action on your account. Or ifyou prefer, simply mail your payment of $5,325.00 with the account payment slip enclosed. NOTICE: PLEASE SEE REVERSE SIDE FOR IMPORTANT DISCLOSURE INFORMATION Midland Credit Management, Inc. (888) 327-8686
  5. i just pulled up my "free" credit report and i am having a bit of a hard time really understanding the credit jargon. I show- CHASE account as: status: transferred, closed/past due 180 days. $x,xxx written off. date opened: 2000 date of status: 2005 last reported: 10/2005 creditor's statement: purchased by another lender Citi account as: status: account charged off/past due 150 days; $xx,xxx written off. $xx,xxx past due as of Sept. 2007 status details: this account scheduled to continue on until Jun 2010 date opened: 1994 date of status: 2004 last reported: 9/2007 Does this mean that both creditors have written off the amounts and now another CA or JDB now have the accounts? I live in Texas and the SOL is 4 years.....both of these accounts I know have not had any activity on them since I got behind/stopped payments back in 2003. Can someone please explain this or help me to understand what all this means? thanks much!
  6. Hello.....I recently tried to make an appt. with my OB/GYN doctor and was notified that I had an outstanding balance of $177 from 1997 (the year I had my DD)....and they said it was in collections and if I had been receiving any notices, which I haven't. This is almost 10 years ago (will be in Dec.) when I had my DD at this particular hospital. I just went to my last appt., a year ago and there was no mention of an outstanding balance or anything in collections. So my question is, the SOL in TX is 4 years, depending on when this went into collections, can they still collect on this? why would they not say anything about my balance at my last appt. a year ago, but are now telling me I have one. Any advice? thanks!
  7. I also just took a look at my credit report, and on my closed accounts/ accounts currently past due, Citibank is showing the Date Reported: 1/2007, balance is $15505, Past Due $13473, Account Status: Charge Off....does this mean that they are trying to re-age the debt?? I know I haven't paid on this thing since Aug. 2003!!!
  8. It's been over a year ago that I answered and submitted Discover in Aid of Judgement to Citibank.....I NEVER heard anything back from them since. Until the last Thursday, I get a letter that states: Citibank My Name Judgement in Cause: xx-xxxx Judgement Date: 10/05/04 Acct# xxxxxxxxxxxxxxx Balance Due: which is almost $2500, then what I remember owing Please be advised the law office of (law firm name) has been retained to represent the creditor. The Law Firm of (old creditor) is no longer associated with the representation of the creditor. (New Law Firm name) has been, and will continue to be, the attorney of record for the creditor. The post office box and phone number for (Law Firm name) will continue to be the same. Unless, within 30 days after receipt of this notice, you dispute the validity of the debt or any portion thereof, we will assume the debt valid. If within 30 days of your receipt of this notice you notify us in writing that the debt or any portion thereof is disputed, we will obtain verification of the debt, or a copy of a judgement, if any, and we will mail to you a copy of such verification or judgement. If the original creditor is different from the creditor named above, then upon your written request within 30 days of the receipt of this notice, we will provie you with the name and address of the original creditor. THIS FIRM IS A DEBT COLLECTOR. WE ARE ATTEMPTING TO COLLECT A CONSUMER DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. So do I just DV them as I would any debt collector and wait to see if they can validate. I am just concerned because they have included a judgement in cause No.??? thanks for any advice.....
  9. I am dealing with a similar situation. I received a letter from a law firm, back in Oct. 2006 who was trying to collect for a JDB, so I DV'd the law firm and never heard or received anything from them. Then I receive a letter from the JDB themselves, stating: Dear (debtor), we have made every attempt to resolve the above-referenced outstanding account. I sincerely hope we can reach a mutually agreeable resolution to this matter. Please contact us...1-877-....... The original contract you entered into with MBNA America Visa provides for the resolution of claims or disputes by means of binding arbitration. In the event that we are not able to reach an amicable agreement, the filing of an arbitration claim will be evaluated. As a result, your account may be submitted to binding arbitration before a neutral and independent arbitrator under the rules of the NAF. A hearing will be set w/in the federal district that includes your billing address. Arbitration proceedings can result in an award, which can be entered as a judgement and enforced to the fullest extent of th law. So now I will DV this JDB and see what happens.....they've been calling my home and WORK number(s) at all hours and times! It's really crazy!
  10. admin....I have a question, I received another letter from a different Law Office on this same account??? Is it possible to have two collections on the same account? this second letter came after I received the last one.....two different Law Offices but the same CHASE account?? I am going to DV this latest letter, but I wanted to find out if receiving two collections on the same account was legit? thanks....
  11. So what would I do now? How would I or should I respond? I mean they did send me copies of my credit card statements and a copy of a balance transfer form that I sent them back in 2000. The last time I had any activity on this account was back in May of '03....that means that the SOL on this account is not up until May '07, since the SOL in Texas is 4 years. I just need some advice on how to respond to this letter...since they've given me 10 days to call them or write.... thanks
  12. OK, I've read many posts to this forum and have gained quite a bit of info...but I have a few questions of my own too....I've been dealing with DV letters on my CHASE account for a couple of years now. And like many others on these posts i've been through many JDB and collecting agencies....anyways, everytime I get a letter from a Law Office, I DV them and nothing happens....well the last time I got a letter from a Law Office in Arizona (I live in Texas) I DV'ed them and they sent me 6 facisimile copies of my CHASE statements....I got some advice from this forum and was told that because this Law firm was not local, they could not collect from me anyways....so I let it go. My account was then sold to another Law Firm who sent me a letter, I then sent them a DV letter, and they sent me the same 6 facsimiles plus a balance transfer form with my name, signature, address, ss, and cc account on it along with this letter: Dear Debtor: Enclosed pleas find verification of debt for your above referenced cc account in response to your specific demand therefore. Because this firm construed your written demand as a request for verification of debt this firm did not attempt to make contact with you until we could supply you with the enclosed documents. In our opinion this firm has now complied with its statutory duty, codified in the federal Fair Debt Collection Practices Act (15 U.S.C. section 1692 et seq) to provide you with verification of your above referenced debt. Therefore, this firm intends to again contact you regarding this debt. Also, because we understand that we have complied with our statutory obligation as set forth in 15 U.S.C section 1692g( this firm will construe any further request for verification of debt as an effort to stall payment on validly owed debt, and not in accord with your rights under the Fair Debt Collection Practices Act. Kindly call 1-888-xxx-xxxx within 10 days of your receipt of this letter, and provide the above referenced accoutn number so that the employees handlint your account may discuss this matter with you. In the event that a settlement can not be reached or that you do not contact this office, we may have no option but to recommend that our client secure its interest by any possible legal means through local counsel in your state. Best Regards, Attorney So does this mean that I now have to contact them about a settlement? I've checked on my credit report and the last time any activity was on this CHASE account was back in May '03.... any advice is greatly appreciated! thanks....
  13. Sif....the collecting attorney is in AZ, I live in TX, so you were right about them not even being local. I will dispute with CRA's.....thanks so much for your advice....I've read a lot of other advice you've given to others on this board, you really know your stuff and are very helpful...you are indeed the expert! THANKS again! nascar...thanks for your advice as well
  14. By not paying, will this cause the Collecting Attorney to sue me, since I attempted to settle with them, and they accepted, and then I decide not to settle with them afterall? Do I then send them a letter stating that I am no longer willing to settle, or do I just not respond at all to the acceptance letter, and let the settlement date pass and then see what happens? I will go ahead and dispute with CRA's, though...thanks!
  15. I sent a settlement letter to the Attorney's office who now owns my debt. I DV'ed them, they sent me my last 5 CHASE statements (proper validation)....so I sent this settlement letter to them: Creditor: CACH Original Creditor: CHASE Manhattan Account # XXXXXXXXXXX Greetings Mr. Collector: I am in receipt of your letter dated 6/07/06 in regards to account #XXXXXXXXXXXXX. However, after careful thought and consideration, I am willing to offer the sum of $XXXX.XX as “Settlement in Full” on the above named account. In addition, I would ask that (name of law office), will agree to: 1) Forever cease collection activity on this account through (name of law office), its successors and/or its assigns. The(name of law office) agrees not to seek $XXXX.XX after amount of $XXXX.XX has been paid in full. 2) Notify all Credit Reporting Agencies that this account is “PAID AS AGREED”, and delete any entries showing this account as ever being late, sent to collections, or charged off. This is a “Good Faith Offer” to settle this account in lieu of the above. Should you choose to accept this settlement offer, and upon receipt of your signed agreement, I will submit to your office, a check for the sum of $XXXX.XX as "payment in full" on the above account. This is not a renewed promise to pay, nor am I waiving my right under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 in the event this Settlement Offer is rejected. This is a “Good Faith Offer” to settle this account in lieu of the above. Sincerely, broke debtor I have read and accept this offer of settlement in its entirety. ____________________________ ______________ Printed Name Date ____________________________ Signature ____________________________ Company ____________________________ Department ____________________________ Phone Then on 7/6/06 I received this from them: Dear (Debtor): This office has agreed to accept a settlement arragnement on the above-referenced account. Payment is due in our office no later than July 31, 2006. This is an attempt to collect a debt any information obtained will be used for that purpose. It is our sincere hope that you will be able to arrive at a method of payment on this obligation. However, we cannot work with you unless you contact us......and it gives me their 1-866 number. So do I now send them another settlement letter asking for something in writing to show my account as "settled in full" or "paid as agreed"....because this letter they sent back to me just states that they've agreed to the settlement amount, but nowhere on the letter does it state or show the amount we've agreed upon. In fact on the letter they sent me, it just shows my account number and the amount that I originally owed (in the header)......need advice, thanks!
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