moppet2003

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About moppet2003

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  1. Hello. Have a CA reporting twice a month each month since July on a debt that was paid to the OC. What kind of letter should I send them? I've copied both the simple and expansive forms of validation letters and looking for a simple combo I guess. Any help will be appreciated. Thanks.
  2. That's what I thought. Thanks for the tip and I guess we'll go credit union shopping.
  3. Just looking to see if anyone has a ballpark percentage figure/monthly payment on used vehicles these days. We're looking at a 2002 Ford F150 and the dealer told us Wells would finance at 12.99 % for 42 months on 11,448 and the payment would be $346. Now, we don't have any negs on our reports, but I just re-established positive trade lines from I think 2005. Does anyone think we'll be able to get a better rate anywhere or anytime soon. Thanks.
  4. I got more than the underlying amount, plus I don't have to pay attorney fees or costs out of that.
  5. Well, I was foolish and rejected the offer only to settle for more than their offer with no attorney fees or costs to me. I should have the check soon.
  6. If I remember the conversation correctly, the 10% penalty forgiveness is only going to be effective for 2009 1099 issues because so many people tapped their 401k's to stay afloat. But of course I need to speak to the IRS about that again and will update when I know something.
  7. Thanks for the publications info and I have already spoken to an IRS agent and was told there was a law passed last year that allows us not having to pay the 10% penalty because of all the meltdowns going on. Guess I'll have to find our paperwork and plug the amounts into bankrate and see what comes up- thanks jq26. And then I'll see if they send anything back to us.
  8. DH and I took a loan against his 401K in 1999 for a down payment on our house and last February we were notified his company was switching to a new benefits company so if we didn't repay the rest of the loan by end of April 2009, they would issue a 1099-R this year. We got it in the mail last week and I sent a simple letter requesting the name and address of the original creditor and an amortization schedule from origination and all money paid into loan and how payments were allocated. Do they have to send me anything verifying this or do we have to take it at face value what they say is taxab
  9. You can send another dv if you like, but it isn't going to get you anywhere as far as the court is concerned. I just spent a year in litigation with these yahoos and it didn't matter that they never responded to my dispute letter- it came up in the settlement conference and the judge was indifferent. Explore your options with an NACA lawyer- if they're coming after your son for a debt he truly doesn't owe, there may be something there.
  10. You can send another dv if you like, but it isn't going to get you anywhere as far as the court is concerned. I just spent a year in litigation with these yahoos and it didn't matter that they never responded to my dispute letter- it came up in the settlement conference and the judge was indifferent. Explore your options with an NACA lawyer- if they're coming after your son for a debt he truly doesn't owe, there may be something there.
  11. Well, my lawyer thinks it'll be a hard sell on my emotional distresses/humiliation as I didn't consult with my doctor on it. I had to wait an entire year (2-1/2 months after I sued them) for the hold on my account to be released so my checks would process electronically as contracted for with merchants. Many hours of me trying to fix a problem I didn't create, found out about 30 plus more phone calls than we knew about trying collect on a debt I don't owe. It's been an exhausting and frustrating experience and I've come to the conclusion that I'm thoroughly disgusted by the legal process. So
  12. Hello, Been a while since I've posted, and I'm not savvy at adding links, but this is in regards to my lawsuit against Tele Check. The case was filed earlier this, and it's progressed slowly. But now, last week the defendants sent my guys a Rule 68 offer and they think I should take it. It's awfully low-ball to me. I have particulars pdf's of my case as I signed up for a pacer account if anyone is willing to look at anything and maybe help point me in a good direction. The other side hasn't offered up much information, but they did file with the court and order of protection, so I'm wondering
  13. Hello fellow Minnesotan. What we have here is called a "pocket docket" where you can be served papers, but the one who's suing doesn't have a specific time frame for actually filing suit. You need to answer the lawsuit within 20 days by filing it with the court and sending to the lawyer. The filing fee is pretty stiff at $252, so if you owe less than that, get a hold of the lawyer and work out a settlement so that it may stay off your reports. Otherwise the lawyer will get a default judgment on you after 20 days and the court will immediately notify you of that. Good luck.
  14. Hello fellow Minnesotan. You can find court info by googling Minnesota Northstar and the court link is on the right side. From there go to access court filings and you have options for civil and court dates. Good luck.