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christian7759's Achievements


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  1. Well granted I don't post much, but I have been reading these boards for years, and I hate it when people make the situation worse. I am proud to say that my wife and I love AMEX and we have been watching our credit lines very carefully...low utilization and accurate, verifiable stated income. Total now on 4 cards is 72,000... Again not to be rude, but it saddens to me to see AMEX doing this to people who don't deserve it.. A very good friend of mine had this happen to him and nearly destroyed him financially...Granted everyone is taking a risk when they seek and obtain credit... I don't think its the amount of credit lines that matters, rather the way you live your life and manage your finances.....
  2. I think your totally wrong and very ignorant to the sitaution. Not to be rude or anything.... The post didn't say he/she was in FR. AMEX decided to lower the limits because they obviously saw the potential for risk. We all know this is legal, there's no need to point that out to us... Is it being overly cautious and unfair, ABSOLUTELY.... And the "you were all warned, now you act suprised" bit was very ill-mannered if I must say. Instead of sounding like a 5 year old yelling "I told you so, i told you so" I think its time to take the adult road and stop being so negative and say something positive, or at least intelligent....
  3. This is false information. My fiancee has gotten 4 AMEX cards with a combined Credit Line of 43,000... She had some old student loan lates showing on her Reports. Grantred they were over 2 years old, but never the less still a "blemish" Chris
  4. What in the world does that mean??? I think its incredible that AMEX is being so generous.. Who knows when the luv button will stop working... Why wouldn't you aim for the highest credit line that you could get.. Not only does it look good and feel good, but if your responsible with your credit then it will only make your life better.... I comend this thread for being created, it has helped out so many people.. So instead of questioning it, you should be embracing it...... Chris
  5. It is from my experience that Authorized Users are only responsible for the charges that THEY incur to the actual credit card. So basically whatever you buy your responsible for. If husband adds wife as an AU, then wife would be responsible for her charges, but wouldn't be responsible for husband's. However this typically varies from creditor to creditor so it would be a good idea to check what the creditor's policy is on AU's... Some creditors put all the responsibility on the primary cardholder, while other creditors like AMEX and BofA issue different account numbers to AU's. But what it all boils down is that if a debt goes bad and the AU skips town, then more than likely the Primary Cardholder would be held responsible... I hope this helps... Chris
  6. Ok, so I was able to score my fiancee 4 AMEX cards.. Delta, Starwood, Hilton, and Blue Sky. 2 of them are only 3 months old... Thru all the posts I have read from everybody, I was able to hit the luv button and score her CLI up to 10k on each... Ok here's the deal. Delta is offering a 3.9% BT with a 3% BT fee... The catch is that the 3.9% rate is good until the balance is paid in full. So would be in our best interest to transfer about 6k of cc debt(including debt from the other amex cards) to the delta card!! I think its a good deal... The 3.9% will basically never expire.... your input would be greatly appreciated... Thanks, Chris
  7. it was Erie County, Pennsylvania..... And to answer the question about discovery. When you get sued by someone at the district justice level in Pennsylvania, there is no discovery attached to the complaint. Its sort of like traffic court. where you plead either guilty or innocnet. In this case you have to notify the court of your intent to defend and then the court forwards the notice to the plaintiff. You present your case on your court date... Chris
  8. Ok I just got back from the District Magistrate's office where I had my hearing today! Quick recap-being sued by JDB for repo deficiency-the lawyer lived 9 hours away-I sent the notice of intent to defend and went to trial hoping to answer discovery... WELL..... THEY NEVER SHOWED UP! So I was granted judgement by default. NOW. Here is where I get confused! The plantiff has 30 days to appeal the decision and the judge told me that the plantiff has 30 days to appeal in the court of common pleas in the county where i live in.-which is basically the next higher up court. As I was leaving the judge turns to me and tells me that the best advice he can give me is that if I receive anything form the courthouse to not ignore it! I said ok and thanked him and left. So I guess the question I have is, can the Plantiff re-issue a lawsuit on appeal from their default judgement?? Can they still sue me??? I live in Pennsylvania One more thing I would like to mention. I think the DJ called the Plantiff wondering if they were going to show or not, and they had a conversation over the phone. Can they do this?? Well I would appreciate any input on this-I am very happy that I won today but I have a feeling that its not over yet!! Chris
  9. Anybody have any input?? I have a court date in front of a district magistrate on nov 2nd and the attorney lives 9 hours away. what are the chances they will show??? Its a very weird situation..I live in PA and this is for an auto defieciency from a repo. There asking for 7000.00 and I'm not sure why they went thru a district magistrate and not file it down at the courthouse. There are no questions for me to answer-- i just have to show up on the court date. I'm thinking about asking for a change of venue because they did not produce any documents and I did not have the opportunity for discovery! I hope they don't show because it would be a long drive for them. They mailed the complaint in and the DJ sent it certified mail.. Chris
  10. This is incorrect! In the state of Pennsylvania wages are 100% protected! Chris
  11. Ok, i would appreciate any and all input on this matter... let me give you some facts! 1. Car financed thru Household was repo'ed in April 2005(involuntary) 2. Car sold at auction August 2005. 3. Letter from CA September 2005 demanding deficiency balance. 4. Sent DV request via CMRRR within the 30 day period(used the one from this site) 5. CA never responded. 6. Letter from attorney in November 2005, again asked for DV and they responded with a copy of the original note, but NO repo papers. They responded regular U.S. mail-no proof of delivery 7. November 2005-September 2006-NO ACTIVITY HERE'S WHERE IT GETS INTERESTING!! I received a certified letter on September 20, 2006 from the District Magistrate that handles the district where I live. This wonderful attorney has filed a civil complaint in District Justice’s office where the plaintiff states I owe them 7000.00 plus court costs. Since I cannot answer any questions and properly defend myself should I ask the court to transfer the case to the court of common pleas and have the opportunity to answer the summons. I found this case law for Pennsylvania stating that I can ask for a change of venue. The attorney probably just mailed the form in with the court fees. Can anyone give me any advice on this? Here is the case law link. http://www.pabulletin.com/secure/data/vol33/33-29/1401.html Thank you! CHRIS PS. The court date is november 2nd
  12. i live in pa and i have 3 voicemails on my cell phone from them.. do i need to sue in federal court??? is it worth it??
  13. Hello, Central Credit Services has called me 3 times in the past 2 weeks over a deficiency balance on auto repo. In september I asked for validation along with no more contact by phone(sample letter from this site) They did send me validation papers, however I made it perfectly clear in my letter to only contact me by mail... CAN I TAKE LEGAL ACTION????? letter was sent CMRRR THANKS, CHRIS HERE IS A COPY OF THE LETTER I SENT THEM CENTRAL CREDIT SERVICES 9550 Regency Square Blvd Ste 602 Jacksonville, FL 322258170 September 27, 2005 This letter is being sent to you in response to the numerous phone calls that I have received from your office. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( that your claim is disputed and validation is requested. This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. I have never received any written communication from you regarding the alleged debt sent to my current mailing address noted above. Please provide me with the following: • What the money you say I owe is for; • Explain and show me how you calculated what you say I owe; • Provide me with copies of any papers that show I agreed to pay what you say I owe; • Identify the original creditor; I would also like to request, in writing, that NO TELEPHONE CONTACT be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties(LIKE NAMES AND PHONE NUMBERS OF ANY PERSON THAT YOU MIGHT HAVE IN YOUR DATABASE WETHER RELATED TO ME OR NOT RELATED TO ME FOR PURPOSES OF COLLECTING THIS DEBT), it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. Thank you,
  14. Hello, Does anybody know when the SOL starts on a car repo??? A. When the car was actually repo'ed???? B. When the car was sold at auction and the deficiency balance applied? C. The last time I made a payment to the finance company prior to repo? I Live in PA and SOL on written contracts is 4 years. I'm not sure on the "date of last activity" because I was able to get this deleted from all 3 CRA's. Thanks, Chris
  15. Hello, I have a question. opened capone cc in august 1999 and never made a payment....account subsequently charged off!! when would the SOL begin??? at chargeoff date or when I actually opened the account snice i never made a payment... I Live in PA I believe the SOL is 4 years Thanks, Chris
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