Katieg376

Members
  • Content Count

    68
  • Joined

  • Last visited

Community Reputation

10 Good

About Katieg376

  • Rank
    CIC Member

Profile Fields

  • Location
    NJ
  1. recently a notice was received from a sheriff's officer about a judgment that was filed against DH. The notice stated that they were collecting on a judgment and he has to reply or they will get an order to come in our home and take items of value to satisfy the debt. 1st issue is the judgment is by a junk debt buyer and no information as to who the original creditor was. 2nd we were never given notice of that they were filing suit. 3rd. since we did not know, we did not go, therefore, we lost by default. We have no clue who they are suing for. The judgment was issued October 2014 (recent enough where we would have remembered receiving something). Any help or advice as to what we should do. We are in NJ. thank you!!
  2. Hello, I am looking for some advice. I received a letter in Feb from a law firm in my state (which is known on this site). It was in regards to an account they stated I had. I received a call from the CA in 2005, who scared me into making payments, which I did. In 2006, I discovered my identity had been stolen in several instances. I sent the CA a DV letter. They sent a letter back they were researching it and I never heard back. Now in Feb 2009, I receive a letter from the law firm, stating I can pay. I sent them a DV letter, dated 2/26/09. I sent it return receipt and they state they received it on 3/6. They are stating that my time to request verification of debt has expired. They also state that there is no legal requirement to provide me with the exact information that I requested. They are providing me with the current owner of the account (a CA). They say the account was opened on 11/1/95 and the last payment received by the creditor was 8/30/06. They are stating that in my letter I failed to indicate my dispute. They are asking if I dispute ever having the account. And if I dispute the amount owed? They also state they will contact me via mail with further verification or that which is required by law. Here are some other pieces of info: State I live in - NJ Their original letter was dated 2/2/09 Any guidance will be extremely helpful. Thanks,
  3. Hello, I am looking for some advice. I received a letter in Feb from a law firm in my state (which is known on this site). It was in regards to an account they stated I had. I received a call from the CA in 2005, who scared me into making payments, which I did. In 2006, I discovered my identity had been stolen in several instances. I sent the CA a DV letter. They sent a letter back they were researching it and I never heard back. Now in Feb 2009, I receive a letter from the law firm, stating I can pay. I sent them a DV letter, dated 2/26/09. I sent it return receipt and they state they received it on 3/6. They are stating that my time to request verification of debt has expired. They also state that there is no legal requirement to provide me with the exact information that I requested. They are providing me with the current owner of the account (a CA). They say the account was opened on 11/1/95 and the last payment received by the creditor was 8/30/06. They are stating that in my letter I failed to indicate my dispute. They are asking if I dispute ever having the account. And if I dispute the amount owed? They also state they will contact me via mail with further verification or that which is required by law. Here are some other pieces of info: State I live in - NJ Their original letter was dated 2/2/09 Any guidance will be extremely helpful. Thanks, Katie
  4. Well... had my court date today... I was lucky NJ has a form online to file a response. I filled it out and sent it in... Went to court and A$$et Accept. never showed. So it was dismissed!!!! I was all set with my DV letters and police report for ID theft...
  5. Tread lightly.... they removed the item from my CR and 2 years later they are suing me!!!!!!!!!!! Keep everything!!!
  6. Aside from the other items you requested, does the data they DID provide allow you to recognize the debt? - They state the original credit is First national Bank Omaha - Is that enough?? Is the debt within your state's SOL? - NJ is 6 years.... Do you have a defense to the suit? My identity was stolen in 2005 - they used my info and opened accounts in my name - I have a police report. I was making payments and stopped when I realized my identity had been stolen.... You may also wish to post the specifics, such as; amount owed - $1029.29 type of account - credit card OC - first national bank of omaha and other details that will allow us to guide you. Anything else, let me know.... Thanks!!!
  7. You guys have helped me in the past.... I had a TL from a certain CA on my credit report.... I disputed it in November 2005... I got a letter with a plain statement listing the orignal creditor, account number, principal balance, interest amount, my name, address and last 4 of my social, and a last transaction date of 10/05.... I sent a 2nd letter, saying it was not enough,,, it did not include all the information that I requested... I never heard back from them... Occasionally I would get a letter from them,,,, but they never verified... Today, I received a letter from the County Clerk, the letter states I am being sued.... I have 30 days to file a response.... What should I do??? Any help, would be helpful... Thanks,
  8. Hello, I lived in Bergen County until 2005. In 2003 they won a judgement against me for a CC debt. They started wage garnishment and eventually got all the money. I was never served with papers and basically lost since I did not show(I didn't know about it, until they served me at work with the wage garnishment paperwork for my employer). Good luck in your fight!!! Kick their A$$!!! Katie
  9. I received a message on my cell phone from Asset Accept. There message went like this: This message is for (me). By continuing to listen you are acknowledging that you are (me). This is (rep) I am a debt collector from Asset Accept. Please contact me about a personal matter please call me at .... Again this is (rep) a debt collector from Asset accept. My cell phone voicemail does not have my name. It is the standard greeting with the phone number. Is this a violation? This is a debt that is over the SOL. I DVed them last year and they sent a bogus letter to try to validate. Please advise!!! Thanks!!!
  10. I sent the DV letter CMRRR,,, I am going to check on the SOL... But for now to get them to stop calling the cell I sent the DV letter. I'll let you know how that works. Thanks, Katie
  11. Need some guidance... had a CC debt. Went to collections in September 1999, sold to JDB one being LVNV Funding. I was threatened by them and before finding this site, I started paying them $100.00 a month. Checks had run out in January and they called demanding the account be paid in full. I did not have the funds and gave them a$100. I was then contacted by someone else and I set up 6 more payments (march-September). I did send them a DV letter in March and they updated my CR to show as dispute. In July they sent a letter stating they were researching it and I would hear from them.... never did. I tried to settle in August (via telephone call), but nothing was done. My DV letter stated they could not contact me via the phone. Nov. 8th I received a letter from National Enterprise Systems stating they have my account and included the mini miranda. Plus they call my cell phone 3-4 times a day. I don't pick up but they leave messages. They left a message on Saturday saying their legal dept. had my account. Today the girl said she was making a decision on my account tonight and to call her. I am thinking of DVing them . Since I do not know if they have the account or not. I know I reset my states SOL (which is 6 years). But this was done befroe I found this site and they made threats to go to court. My letter from Nov 8th says I have 30 days to dispute the debt and it is only 8 days into the period. Please advise!!! Thanks
  12. I recently pulled my 3CRs. My Ex score is over 100 points lower the TU. I have 6 good Trade lines that are not showing on Eq. Also I had a car lease that was opened in 1995 and was paid in full in 1998 and this TL is no longer on Equifax. This lease is still on Ex, and TU. Can I get these TLs put back on Eq? Please advise>... THANKS!!
  13. Here is my scenario in a short version: Had a Sears CC, account went delinquent in Sept 1999. Amount was $2300. I did not make any payments... fast forward Jan 2005 received a call from the CA and made a payment over the phone. then nothing.... received a call in July from the CA and I set up payment arrangements (this was all before this board).... I made $600 in payments from Aug-Dec. I did not know my checks had run out and there was no payment made in Jan. Received harassing call from CA saying I had enough time and the account needed to be settled. I made a payment of $100. and told her I would get back to her. She contacted me several times over 2 weeks and finally on March 17th, she left a voicemail saying that my file was being sent to the county and the client was advised to secure the balance. So I awaited the worst..... Sent DV letter... Nothing happened... then I received calls from another rep there who set up a payment plan with me I then paid 6 months of $100. payments. Meanwhile I received a response to my DV letter (3 months later) and it said they were investigating it and there would be no further action until it is complete. But they were still taking the money... Today I called to try to settle (I want the item off my CR) they were offering to settle for $650.00. I told them I would settle if the item was removed from my CR. He said he could not remove it. So I said fine... I was not going to make any future payments as the item was going to come off in October. He said I would not be able to settle the account any more. What should I do? I am scared that they will take me to court for a judgment. I had 2 judgments which are paid but are still on my CR. My goal is to raise my credit score. I only have 2 CA on my CR. Any help would be appreciated. Thanks,
  14. I took your advice and called the OC. I was connected to their fraud department, and I explained that I had never lived in Nevada. The rep in the fraud department said he was sending me an affidavit to sign and to send something showing my address in the beginning of this year like a utility bill or such. He also advised me to go to the local PD and file a report. He said the CRA may request that to remove it. Does this sound right. I have never lived in any other state besides NJ. Thanks, Katie
  15. I am in the process of reviewing my CR. I contacted TU because they had a NV address. They removed it. Today I got a copy of a disputed Ex CR and noticed the NV address was on their CR. I called them and the woman explained that a CA had put that address on there. She explained it was a CA collecting for a communications co in NV. I am sending the CA and the OC a DV letter. I have to call TU to dispute the OC TL. Will the DV be enough? Please advise!!! I looked at my CR and notice Cox Communications put an inquiry on my CR in Nov. 2005 and there is another communications co. inquiry as well. Thanks, Katie