hokies_k

Members
  • Content Count

    10
  • Joined

  • Last visited

Community Reputation

10 Good

About hokies_k

  • Rank
    Newbie

core_pfieldgroups_99

  • Occupation
    unemployed

Profile Fields

  • Location
    Fredericksburg
  1. I found out in November that I had a judgment against me from a bank (through credit report) in 2002. I was never served with the summons. What next? Is it possible for me to vacate the judgment since it had been so long? Any advice or suggestions would help. If I don't vacate this judgment, it will remain on my credit report until 2009, and also, I hate to be a victim of chance since I was never able to represent myself in the court. Please help! hks_k
  2. This concern has probably been addressed before, but I just found out that I have a civil judgment against me dated 4/2002 from a bank I used to have an account with. I owed the bank for negative balances (fees) due to bounced checks. I didn't receive any copy of the judgment or summons (if there has to be one before judgment is called). If I knew there was going to be a judgment, I could have disputed the case or tried to do something. Is there anything I can do to vacate the judgment at this point? Or do I live with it for the next several years until it disappears from my credit report. Please advise. If more info is required, I can email directly or post on the board. Thanks in advance.
  3. I went to a hearing today due to a CA suing me. I have answered and filed counter claims. I need to file a bill of particulars and defense soon, so I need some help as to how to proceed. I live in Virginia. Any advice/suggestions would be very helpful. On counter claims, I have sued the CA for defamation of character, financial injury, failure to validate debt (even though it was past 30 day period for me to send a validation letter), erronous reporting to credit agency, and running of time (re-aging case to keep it active?)... I hand delivered a copy of the file to the plaintiff's lawyers a week ago (with receipt confirmation and date), but the lawyer representating the CA at the court today denied having received my answer and counter claims. Please help. Thanks in advance. -nerve recked-
  4. I am in Virginia. I sent a DV after the 30 day frame. This is kind of freaky since there were two CAs working on the same case. The first one sent me a letter of intent to sue, and when I called, they said I had 30 days to come up with the payment. A week later, I received a phone call from another CA based in NYC asking me to make the payment on the same credit card debt I owe. I called the first CA and was redirected to second CA in NYC. I sent a DV letter to the CA in NYC, but they never validated my debt. However, I got a summons from a local court (filed by the first CA, a Law Firm), after three weeks I sent the DV to the CA in NYC. My court date is in Sept. 5th, and I have no clue what I am supposed to be doing. Is there anything I can do? I also want to know if I needed to send a DV letter to the first CA too. Please help!
  5. Thanks for your advice codename_fortyseven. Is there any sample letter I can find that might help write an answer to a summons? I have a copy of the debt validation letter, and a few other documents. Also, the civil procedure link for virginia doesn't seem to work. Any thoughts? For details about my case as follows: I live in Virginia and the summons came from a county court I reside in. The plaintiff named on the summons is the collection agency, representated by the same law firm who were collecting for the agency. Included with the summons is a copy of the citicard agreement and a computer printout of some kind of statement showing the account number on the top with the balance due (to the agency). The CA is the assignee of citibank card. Please advice. Thanks again.
  6. Hi codename_fortyseven: Sorry...I was pretty anxious about everything. The notice I got is actually summons to appear in court. SO, what else do I need to do or take to the court? Is there a way I can win this case? Please advice. Thanks again for your input.
  7. I have sent a validation letter through certified mail to the CA on July 11th. I have made a copy of the letter I sent. I received a judgement from the court where I live through USPS, and also found a copy of the judgement notice bound to the door knob of my apartment. I have most of the documents and have saved most of the messages I received on my answering machine. Since I received judgement notice within a month of my verification letter, I am wondering if I can ask the judge to vacate the judgment. Am I making any sense? Please help with my dilemma. Thanks in advance
  8. I have a citicard debt that is sold to Great Seneca Financial Corp., which is representated by a law firm in Maryland (Wolpoff & Abramson) and another law firm in NYC (Bradley J. Rephen). The first law firm had been trying to collect the debt due, but a few months ago, they transferred the collection to the law firm in NYC. I have made arrangements to make payment with Rephen Law Firm, and I asked the representative of Rephen Law Firm to send an agreement that they will report my credit as "paid as agreed" (the representative on the phone promised me a good credit rating). The representative from the law firm never sent me a letter to that effect, and also, the collector called me one time and started yelling at me, demanding me to make the payment. I told him I wasn't going to pay until I received the agreement. He hung up on me while I was talking. Since then I had sent a debt validation request (july 11th, 2005). Now, I got a judgement notice from Great Seneca Financial, representated by Wolpoff & Abramson (August 1st). I want to know if I should have sent the validation letter to Wolpoff & Abramson instead of Rephen Law firm, but since I was dealing with Repehn law firm at that time, I thought it was ok to send the validation letter to Rephen. Please help me. Is there a way I could request for vacate notice? I am in Virginia. I also want to know if there is any procedure I need to follow when I file to vacate a notice. HELP!
  9. I have a citicard debt that is sold to Great Seneca Financial Corp., which is representated by a law firm in Maryland (Wolpoff & Abramson) and another law firm in NYC (Bradley J. Rephen). The first law firm had been trying to collect the debt due, but a few months ago, they transferred the collection to the law firm in NYC. I have made arrangements to make payment with Rephen Law Firm, and I asked the representative of Rephen Law Firm to send an agreement that they will report my credit as "paid as agreed" (the representative on the phone promised me a good credit rating). The representative from the law firm never sent me a letter to that effect, and also, the collector called me one time and started yelling at me, demanding me to make the payment. I told him I wasn't going to pay until I received the agreement. He hung up on me while I was talking. Now, I got a judgement notice from Great Seneca Financial, representated by Wolpoff & Abramson. I want to know if I should have sent the validation letter to Wolpoff & Abramson instead of Rephen Law firm, but since I was dealing with Repehn law firm at that time, I thought it was ok to send the validation letter to Rephen. Please help me. Is there a way I could request for vacate notice? I am in Virginia. I also want to know if there is any procedure I need to follow when I file to vacate a notice. HELP!
  10. I get a computer generated call everyday, providing me with a reference number and a 800 number to call. I have not received any letter from the CA that I owe any debt. I have sent a letter to the CA with the reference number from the calls, certified mail. However, I didn't use mail back option (the green card you get back once the mail is delivered). When I use the USPS track/confirm option, it shows that the mail had been delivered, but I still get computer generated calls everyday. What should I do? Send another letter? Please help.