stoliesmom

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About stoliesmom

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  1. please someone help me! i was just turned down for a car loan and the letter specifically said that i have a "serious charge off/ Judgement". could these sorry excuses for attorneys have gotten the judgement without my knowledge? i called the court house and they said the case is still pending. i also need to know what my next move should be. i have asked the new lawyer collecting on the same debt to validate and of course havent heard anything else. please help!!!!! you guys are awesome!
  2. ok, my case is still pending where CA is suing me. Now i'm receiving a letter from another attorney collecting on the same debt. i filed an answer a couple of months ago and still haven't received anything. I'm needing to file a motion to dismiss. can someone send me a copy to work off of or help me with the wording? any help is extremely appreciated!
  3. well i was served with it by a process server and it has a case number stamped on there by my county. i filed the answer with the court. wouldn't they have known it was bogus if it weren't? i'm just wondering how the h(%^ you can file a suit against me and then transfer the debt. so will i have 2 people suing me now if i don't pay it? ughghgh!
  4. ok, answered a summons to Matthews Law Firm on a debt. OC was fleet, CA then CACV of Colorado. Never heard a word after answer. Now, get a letter today from Bronson and Migliaccio in New York demanding i pay the debt in full. They are collecting on behalf of CACV. Can they transfer this debt after the suit has already been filed?
  5. Hi everyone, My car lease matures next month and i need to refinance it. I'm pretty much at 100% loan to value on the darn thing. I've been turned down by Household and E Loan even with my mother cosigning. she has perfect credit. I have three chargeoffs within the last three years but have never been late on my car payment. has anyone else gotten approved? i'm in south carolina. thanks for any advice. i have three weeks to do something! btw, don't think i can buy anything else because the trade in value on the car is $2000 less than the payoff! the retail value is a little higher but there's no way i can sell it in time.
  6. is it CACV of Colorado? they're suing me too for a fleet account. Definitely answer the complaint. they sue just to get the default judgements 90% of the time.
  7. not really sure what they're up to but we need a game plan. what do you guys suggest we do?
  8. ok, just got a letter from cap one today. they said in the letter "you owe the debt, you need to pay it, we will not contact you per your request but keep in mind that we are removing your name and address from our offer list for additional credit in the future. they also said that since i am not allowing them to contact me that if i should need them they reserve the right not to communicate with me. it says attached please find the copy of your customer agreement. they sent me a generic customer agreement that goes to every customer who ever gets a card! don't know what they're thinking but this is not proper validation. let the games begin.
  9. guys: i posted this on the while you're in dv board but no one has responded. everyone always answers me here so here's my post! thanks! Received a letter from Van Ru Credit last month collecting on a cap one account. sent the dv request. Waited the thirty days. on the thirtieth day, no lie, i receive a letter from Cap One that just says your inquiry has been referred to the appropriate department for response. so, do i write the Van Ru guys back and say i asked you for validation and you didn't send it or do i dv cap one? you can dv oc in my state. thanks in advance for the help!
  10. Received a letter from Van Ru Credit last month collecting on a cap one account. sent the dv request. Waited the thirty days. on the thirtieth day, no lie, i receive a letter from Cap One that just says your inquiry has been referred to the appropriate department for response. so, do i write the Van Ru guys back and say i asked you for validation and you didn't send it or do i dv cap one? you can dv oc in my state. thanks in advance for the help!
  11. do not walk...run to the store and get a tape recorder. CACV harrassed the heck out of me and the will violate every law there is. answer the phone when they call and record them! you could take these guys for a fortune. check out this link... http://www.budhibbs.com/debtcollectorpages/collect_america_cacv.htm
  12. Have you checked out budhibbs.com. he has a long list of really bad collection attorneys on there. I'd be curious to know if this firm is. if they are, bud will give tips on how they operate, if they're being investigated, etc.
  13. no, i'm in sc. sorry i was out of commission yesterday. i was sick as a dog and couldn't get off the couch. i think this whole thing has just stressed me out and once i got the answer filed it was relief city and then my body just shut down! here's my question: can i bring these violations up even though the law firm that's handling the suit is not the one that was harrassing me? they are suing for CACV but they weren't the ones doing the calling. it was the Colorado office.
  14. My answer was very simple and i just basically asked for proof of everything they were saying. I don't have any counterclaims as this particular firm hasn't done anything but call an old place of employment posing as a client and tried to get my peronal phone numbers. The big firm that's suing me harrassed me over the telephone over a year ago but i don't have any proof. Talked with two different people there and the first told me they would settle for $1200. i told them i could pay that and when he transfered me to his "manager" she laughed in my face and told me they would never settle for that amount and if i didn't ask a family member for the entire amount and pay it within 24 hours they would have me arrested. I told her that i knew my rights as a consumer and that she was breaking the law by telling me that. she then proceeded to tell me that she was sending the case to court and to forget about settling with them and hung up. that's all i have. and can't prove a bit of it!!!!!!! i know that i need to start the discovery process. do i start that now or wait to hear something from them or the court?
  15. hey guys! I filed my answer today and served it myself on the CA. Bud Hibbs says on his website that these guys file suit only to never show up in court. they count on the default judgement every time. well......here's what happened. I walked in the front door and no one ever came out. I waited for about 5 minutes because I could hear someone talking on the phone. Then i realized that someone was trying to collect a debt as i stood there. I could hear this guy saying things like, "are you kidding me? that's all the money you have? are you just dumb? no i cannot take that amount of money, you must be insane" so..after hearing all this i proudly ran the bell on the receptionist's desk. this girl comes out and asks if she can help me. i just handed her the envelope containing the answer and asked her to sign the certificate of service. she goes to get someone else and some guy comes out. He looks at me like i'm crazy and asks what i need. i just told him i was delivering a document and needed him to sign the certificate of service. He read the entire cert of service and then looked like a deer in headlights and says, "what is this?" i almost started giggling right there in front of him. i'm not kidding, i really don't think they get responses to these! so, what's my next step?