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Everything posted by what_now

  1. It's not just that Chase is closing accounts........ I had a WaMu card too at 8%. When Chase took over they jacked it up to 10%. I had the option to close the account and keep the rate at 8% and lose my credit history, or keep my credit history and and pay the higher interest. I kept the card open because I've had this card longer than most of the others and my credit limit is the highest on this one: $6500. Well a few months ago they jacked it up AGAIN to 14%. My balance was around $3000. but I figured I'd pay it down quickly and keep my credit history. So I opted to go with it and keep the card open. Now, just like someone else had posted, I recieved a letter saying they're closing the account for the exact same BS reasons. My balance is only $300. now and will be paid off immediately and I don't intend on ever doing any kind of business with Chase EVER AGAIN! This good paying customer is GONE! I just can't help but wonder how people must be feeling who are receiving these letters, and are carrying a balance with a high interest rate, and are kicking themselves right now because they HAD the option of CLOSING the account themselves earlier and paying off their balance at the lower interest rate! But now they're stuck with a higher interest rate and have had their account closed anyway!!! Chase is really evil for doing this! I'm writing to my congressmen and I suggest you all do the same!
  2. Hi Nashville, thank-you for responding. We fulfilled our written lease and remained there on a month to month basis beyond the written contract as most states allow. We were unable to pay in February. March 1st came around – another months rent due. The landlord made his rounds, like he did every month collecting rent from his tenants in the building. A friend of mine was there and witnessed this conversation and says she will sign an affidavit if necessary. The landlord said he could not allow us to continue to stay without paying rent – totally understandable. I explained to him that we’re unable to get help and don’t know when we will be able to pay. He said, “if you don’t have February’s rent by the end of March, you need to be out so I can rent to someone who can pay” – again, totally understandable. I repeated this back to him for clarification and asked if we should put this in writing and he said it wasn’t necessary. (I know, I know) We were unable to come up with the money so we moved out and in with family (in another state) until we were able to get back on our feet. Would you believe the car broke down along the way? We’re now homeless, without transportation and oh yeah, I was 7 months pregnant. Needless to say, it took us a while to get back on our feet. We had to save money for a place to live, a vehicle, and pay overdue utilities and credit cards. By the time we got around to this, we were shocked to discover via the CR that the landlord claimed such a high amount was due. Before we left, we cleaned the unit – very well. We did not have a bad relationship with our landlord and had no hard feelings. Our friends helped us to put our furniture in storage (that my mother paid for) as well as, help us clean a bit – nice friends huh? I honestly thought when we dv’d that they would claim cleaning fees or something of that nature. No, there wasn’t a walk through because the landlord was out of town that week. We didn’t take pictures because we didn’t have a camera (I’m not kidding when I say we were broke!) So anyway, I was surprised when the invoice arrived with the second letter itemizing the inflated balance. There was no mention of cleaning fees. It simply says Feb month plus late fee, March month plus late fee, AND April plus late fee. AND $45 for filing for an eviction. We did not live there in April and we had an agreement to leave before April – friend is a witness. We were NOT evicted. I honestly don’t know why the landlord is making this claim unless he feels like we took advantage of him which I can understand that to a point, but if we were taking advantage of him, we wouldn’t have moved out the way we did – left to allow him to rent to someone who could pay PLUS cleaned the apartment. It doesn’t make sense. My goal is to take care of this debt – but without getting screwed in the process. This CA seems hellbent on asserting that we owe what they claim we owe despite our dispute letters. I would like to pay what is actually owed AND have it removed from the credit reports. We do NOT owe three months rent and I don’t see how we owe for an eviction that never took place. It seems to me, that billing someone for an action than didn’t really occur would be fraud. Am I off my rocker here?
  3. My ultimate goal is to have this TL removed completely. We have always been willing to pay what is actually owed. However, the CA on behalf of the landlord insists that an amount is owed that is inflated quite a lot. At this point I guess I'm trying to gain some negotiation leverage as well as force them to stop lying about what is actually owed. It seems to me that billing someone $45 for an "eviction filing fee" that never actually occured would be fraudulant billing. Are you saying that in Oklahoma a landlord has the right to bill someone $45 for typing up a piece of paper that says (pay by this date or an eviction will be filed) and leave it on the door - we were already gone so I'm just guessing it was meant for the door.
  4. Sent a pretty basic DV to a CA in Tulsa who is reporting a debt to the CRAs. We have never had any contact from them. The debt is from a former landlord who is claiming we owe more than twice as much as what is actually owed – hence the delay in addressing it till now. Not even two weeks later they send CMRRR a copy of the rental agreement & copy of an Eviction Notice that is merely a typed piece of paper by the landlord. We were already gone by the date of this notice as we had agreed we could no longer stay there without paying rent – we were having hard times back then. Anyway, I immediately fired back a dispute and claimed the debt has not been validated as of yet. I requested an itemization of the inflated balance. Again, not even two weeks go by before they send back another letter CMRRR with an invoice from the Landlord that is dated two months prior to the alleged eviction filing that claims 3 months rent plus late fees plus “eviction fees” that is $45. Based on this invoice the CA claims once again that they “consider the debt fully validated.” It also says “this item will remain on your credit report as a validated disputed account.” I immediately sent another letter declaring the invoice is incorrect. Not only are three months NOT owed, but I checked OSCN (Okahoma’s court website) AND called the Tulsa county clerk to see if an eviction was ever actually filed since we’re being billed for the filing fees of $45. Guess what? No such file exists. Isn’t this fraud?
  5. I'm so sorry you're going through this. From what you've posted, it sounds like there is nothing they can do to you. If you truely have no money and no assets than I wouldn't worry about it so much. I understand that you want to address this problem but there really isn't much for you to do except ensure that your exempted income is protected. You've already suffered a stroke, don't compromise your health any further. Stress from a lawsuit can be horrible - I know. Try to relax and take care of yourself.
  6. Dive is right. We send CMRRR to PO Boxes all the time with no problems. We also receive CMRRR at our PO Box.
  7. Okay, all is not lost here. Don’t feel too unlucky. It sounds as if the judge may very well eventually rule in your favor if Litow can’t prove his case. This happens a lot in Iowa. You mentioned he had a credit card summery of the account. Was this a copy of a statement from the OC or a generic piece of paper with the info typed on it? If that is all he had than chances are he may not produce anything substantial in the near future. I strongly suggest you go to the court clerk and ask to see the case file. Copy everything in it – everything (unless you already have it). My summons was pretty basic. I had to go to the court clerk to find out exactly what Litow had like the affidavit and notice to cure and stuff. Ask the court clerk if there is or will be another trial date or if the extension was just for Litow to provide something more. I’ve seen many cases where the judge gave him 30 days to provide something else to prove his case and most of the time he was unable to and therefore, the judge ruled in favor of the defendant or the case was just dismissed. I’m not certain, but I think if Litow does provide something else, than you have an opportunity to rebuff. All of this info I have is based on researching cases on the website I gave you. I don’t know why people feel they must pay $25, the info you need is free. Do a search for Litow for your county and go through cases until you see one that says “trial.” Look at that. I found some cases in my county and went to the courthouse to request the file so I could find out more about what actually happened. That’s how I know that sometimes a signed credit card agreement is NOT enough. You said the judge was very annoyed with you when you told him you wanted “confirmation of the validity of the debt.” When I gave you that answer statement in my previous post I said it looks good on paper. (By the way I can’t take credit for that one – got that from the CIC experts) When you say this or even paraphrase it in court, it does sound like you are trying to get out of paying a legit debt by educating yourself a bit about your rights and the law. Not that that’s wrong, but doing this makes you appear less like a victim than if you were to approach the judge in person, as you did, and keep it simple. For example, “the summons was the first time I had heard about this debt. I don’t have enough information about this debt to explain it.” It’s really hard to give advice on what to say and not say unless you know exactly what Litow has as evidence. You asked how you could find out when the last charges or payment were made to this account. You could write a letter directly to the OC, but at this point in the game I’m not sure that is the best way to go. Who is the CA? The most important thing for you to do now is go to the clerk of court and get the info I told you is needed to know how to proceed. I’m sorry the judge was hateful. It could have been worse though – you did NOT lose! Congrats on side stepping Litow’s snake-like method of trying to trick you into admitting this debt in any way. Like I said, Litow is a joke among his colleagues. He graduated from a third tier law school and was a debt collector prior. He’s a good hustler and liar but he couldn’t litigate his way out of a wet paper bag! You are definitely not SOL!
  8. Let_it_slide I’ve been investigating a bit and I’m surprised you need help – you’re a veteran. I’m not sure I can offer you any suggestions or advise that you didn’t already receive in your last lawsuit thread. Did you just check the “deny” option and send that in or did you type up an answer with affirmative defenses? I replied with affirmative defenses so we never actually went to court because Litow dismissed. I can tell you that Litow seldom shows up for court because he is in an office with only two other attorneys and they file so many lawsuits all over Iowa every day, that they cannot possibly show up for every case. Many attorneys in this state hear the name Litow and literally laugh! They rely heavily on default judgements and as a result have a tarnished reputation with many magistrates. However, you MUST show up or he gets a default. Since you are going to court, I can’t really say what you should and should not tell the judge because I never got that far. But, I advise you to research cases here: http://www.iowacourts.state.ia.us Try to find cases by Litow in your county that actually went to trial and see how the judge ruled. In my county the judges appear to be very unimpressed with Litow’s affidavits and want strict proof thereof. I even saw a few cases where Litow provided credit applications with signatures and the judge told him to go pound sand. (yep, I don’t plan on moving out of my county any time soon) If you have time to research Iowa courts and discover that the magistrate in your county generally rules against the defendant, than the only other advise I have is to possibly ask for an extension and file affirmative defenses. Answer: Defendant is without information or knowledge sufficient to form an opinion as to the truth or accuracy of the allegations contained in the complaint, and based on that denies generally and specifically each and every allegation contained therein, and leaves Plaintiff to provide proof. ~ This is awesome on paper. Do you say that in court? Well, you could I suppose, but the judge and attorney can ask you all the questions they want and there’s really no way to be completely prepared for that. I wish I could help more, but that’s pretty much all I got. If you decide to file an extension, (you’d have to ask the court clerk how to do this and if it can be done on such short notice) I will provide you with my affirmative defenses if you like. Either way, please do let us know what happened. This website is invaluable and there aren’t too many threads about Iowa lawsuits. Best of Luck!
  9. Litow.....ick......this is the same dillhole that sued me. Not to worry. I followed Recovering Attorney's advise and he went away. When is your court date? I have to go cook supper but rest assured, I will be back to help.
  10. It appears as though TU is investigating your dispute as if they have 45 days under the stipulation of the free annual credit report. If you in fact paid for your credit report, you should call them immediately and remind them of that. This happened to me but with Experian. Good luck & keep us informed.
  11. I live in Iowa where CA’s are required to be licensed. A CA in Oklahoma is collecting a debt and is not licensed in Iowa. I use the term “collecting” loosely because as of yet, all they have done is report the debt on all credit reports and respond to a DV letter. Their response sort-of validated, but is still disputed. Their letter provided an amount due, but they did not demand, request, or ask for a payment. They merely said, “we consider this debt to be validated and expect a call from you.” Based on that, I think they know they cannot collect in Iowa but I can’t really be sure. I guess my question is, if they are not licensed to collect in my state, and reporting a debt to credit reporting agencies is considered to be “collection activity,” are they allowed to continue to report this debt? And if so, what other collection activity are they allowed to engage in?
  12. I recently decided to address the last collection account on DH’s credit report as our goal is to purchase a house within a year or so. We have never heard from this CA but they are reporting a debt on his CR and update it every month. The amount is an inflated balance due a previous landlord. They responded to our DV with a certified letter that had the mini Miranda but did not include the other Miranda which indicates that we have 30 days to dispute ….. Their response to our DV was the first communication we had from them and we explained in our DV that we had never heard from them but know of them only through the CR tradeline. I know it’s petty and nit-picky, at this point, but, isn’t this a violation?
  13. Hi Elyse That was my thought. I'm going to call ConsumerInfo.com tomorrow. Perhaps they pocketed the money instead of forwarding it Experian? Regardless, I proved to Experian that I did pay for an Experian report, but the "specialist" argued that paying Experian "affiliated" companies do not count.
  14. Hi Greg, I have received a lot of info here and have had lots of success but this really bites! I have to tell you though that I'm not saying that you shouldn't purchase your credit reports for the purpose of shaving off the extra 15 days. I still think it's a good idea and well worth it - as long as you have not accessed the free annual credit report within the last 12 months. At least that is my understanding (until someone can answer the question stated above) The message here is: If you do purchase your credit reports, mail the request and money directly to the Credit Reporting Agencies. Do NOT purchase them through any of their websites because even if the website appears to be the CRA, they may just be "affiliated" and according to Experian's "Specialist" credit reports that are purchased through "affiliated" companies are not official credit reports; therefore, the CRA will treat your dispute as though you accessed the free annual credit report. Good Luck on your disputes!
  15. First up, I have a question: If a consumer accesses the free annual credit report, how long can a CRA use that report for reference? In other words, lets say you purchase a credit report 11 months later, does the free annual credit report 45 day rule still apply? Someone from the attorney’s office at Equifax told me that the FCRA’s FACT Act afforded the CRA’s that leverage but I’ve never read that anywhere. Can anyone confirm this? Now here’s the story: My fiancé PURCHASED his credit report from Experian through their website: Consumerinfo.com. A particular tradeline was supposedly verified on day 38 of the dispute. Because they only had 30 days to investigate, we called and challenged this. Some of you may remember my “unbelievable conversation with Experian” in this thread: http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=255474 We wrote a letter to the CEO of Experian giving him a detailed account of what went down. It was a nice letter but asked him to do one of two things: 1) delete the tradeline or 2) send a check for $1000 for violating FCRA. We sent a copy of the receipt proving that the credit report was purchased; as well as, a copy of the credit card statement showing the transaction. We received a letter from a Consumer Affairs Special Services associate with Experian claiming that their records indicate the investigation was processed based on an annual free credit report and that Experian has complied with the FCRA and must deny our request for compensation. I called this “specialist” today. I reminded her that we sent proof that we PAID for the credit report and did NOT access a free annual credit report. She asked for the report number of the PAID credit report. Well, I printed it off the internet, but ConsumerInfo.com does not provide an official “report number.” She says Experian “affiliated” companies do not count. In other words, you can pay for your credit report, but unless you purchase it directly from Experian, it is investigated under the laws of a free annual credit report – 45 days! I kept challenging this logic. Had her on the phone for a long time. Apparently, when we sent the initial dispute, we sent some documentation to prove our PO Box mailing address. One of the things we sent was a copy of an old Experian credit report dated May 2005 (11 months ago) That report WAS in fact a free annual credit report but only the first page of that report was submitted and we clearly indicated that it is submitted to provide proof of our mailing address ( the address they were reporting at the time was wrong) Anyway, I gave up and researched ConsumerInfo.com where we purchased the report and found out that Experian is their parent company. Also, there is a big lawsuit due to fraud. So, despite the big lawsuit, Experian’s new tactic to screw consumers is: 1) Trick the consumer into purchasing a credit report from ConsumerInfo.com, all the while thinking they are Experian ( and they are) 2) Do NOT provide a “report number” 3) Investigate the dispute as though it is a free annual credit report! Geeeez man, you can’t win! They pull so much crap that it’s impossible to win! Experian got their $10 bucks!!! We purchased the credit report because we thought $10 was worth it to shave off the extra 15 days but now they get around that too!!!!
  16. Dismissed without prejudice! We never even went to court. I simplified my affirmative defenses and I did not file counterclaims. The attorney filed a dismissal without prejudice about 10 days before the trial date! Woo Hoo! I found out about it on the Iowa Court website. I went to the courthouse to get a copy of the dismissal, and oh yeah, I sent the attorney a DV the day after the dismissal was filed with the court - making it a "timely dv." (within 30 days of his initial contact) So, if he does refile, he'll have that hurdle to deal with! I've actually known about this for a week or two but haven't been on CIC in a little while - needed some down time. I want to especially thank Recovering Attorney - If I ever win the lottery I'm gonna hook you up! Now that this lawsuit is done, I'll tell everyone that this was the cruddy JDB known as First Resolution Investment! Mikey, I've been watching your lawsuit with them and I'm cheering you on! If anyone from Iowa is dealing with this lawsuit drama, please feel free to pm me. Especially if the attorney is from Cedar Rapids - I know of this lawfirm. Thanks again CIC!!!
  17. They are licensed in my state. Wow, I think this is the first time I’ve seen you suggest to include unjust enrichment. Plaintiff lacks standing? Is that challenging the assignment? Here’s what I have so far…… ANSWER Comes now, Lil ‘ol me, in answer to plaintiff Greedy Scumbag’s complaint. 1. Defendant is without information or knowledge sufficient to form an opinion as to the truth or accuracy of the allegations contained in the complaint, and based on that, denies generally and specifically each and every allegation and leaves Plaintiff to provide proof. AFFIRMATIVE DEFENSES 2. Plaintiff failed to state a claim upon which any relief may be granted. 3. Court lacks personal jurisdiction of the subject matter due to untimely service of process 1.302(6) 4. Plaintiff lacks the legal capacity to maintain the action. 5. Plaintiff’s Complaint violates the Statute of Frauds as the purported contract or agreement falls within a class of contracts or agreements requires to be in writing. The purported contract or agreement alleged in the Complaint was not in writing and signed by Defendant or by some other person authorized by Defendant and who was to answer for the debt, default, or miscarriage of another person. 6. Defendant claims Lack of Privity as Defendant has never entered into any contractual or debtor/creditor arrangements with Plaintiff. 7. Plaintiff’s complaint fails to allege a valid assignment and there are no averments as to the nature of the purported assignment or evidence of valuable consideration; Plaintiff’s complaint fails to allege whether or not the purported assignment was partial or complete and there is no evidence that the purported assignment was bona fide. 8. Plaintiff’s complaint further fails to allege that the Assignor even has knowledge of the action or that the Assignor has conveyed all rights and control to the Plaintiff. The record does not disclose this information and it cannot be assumed without creating an unfair prejudice against the Defendant 9. Defendant alleges that Plaintiff or the person or entity that assigned the alleged claim to the Plaintiff is not entitles to reimbursement of attorney’s fees because the alleged contract did not include such a provision, and there is no law that otherwise allows them. 10. Defendant states that Plaintiff’s claim is precluded as Plaintiff failed to follow validation procedures as required by FDCPA 15 U.S.C § 1692g, which include, but are not limited to, obtaining and providing validation of the alleged debt from the original creditor. 11. Defendant reserves the right to plead other affirmative defenses that may become applicable and/or available at a later time. My answer is one paragraph because that’s all there was on the original notice: YOU ARE HEREBY NOTIFIED that the plaintiff demands from you the amount of a gazillion dollars plus the following incidental charges: Interest at the rate of 27.99% from blah blah or the date of default to the date suit was filed in the amount of another gazillion and costs. Total amount requested $gazillion x 2. This demand is based on the failure to make payments on a credit card account originating with PROVIDIAN NATIONAL USERUS CHARGING BAFOON BANK. UNLESS YOU APPEAR by completing and filing the attached appearance and answer form with the (overpaid) clerk of the court at the Courthouse in Little Bitty Town, Iowa within 20 days after service of this original notice upon you, judgment shall be rendered against you upon plaintiff’s claim together with interest and court costs. 2nd page PLEASE CHECK ONE _____I HEREBY enter my appearance and DENY the claim of the plaintiff _____I HEREBY admit the claim At least 90% of the people served in this state resign themselves to a default judgment. Those that deny it usually just check that option and send it in. Only half of those that do that, actually show up for court and the judge in my county usually wants to see more proof giving the attorney an extra 30 days. Sometimes the attorney produces something, sometimes he doesn’t. The only case I’ve seen where someone filed counterclaims had an attorney and they mutually dismissed w/prej which is my goal. I’ve probably looked at over a 500 cases (via internet) so my statistics here are an approximation. My strategy is to force this attorney to want to file a mutual dismissal w/prej. He files tons of lawsuits in this state every day and usually appears by phone if at all. What I still don’t know is: If the attorney receives my answer and decides he wants to dismiss, does that dismiss the whole darn case or do I have a say, especially since I will file some counterclaims???? Not that I’m looking for money, I just want him to sign a settlement agreement that I will draft before agreeing to dismiss WITH prejudice.
  18. thank-you for responding recovering attorney. I've read a lot of your posts and am going with a lot of what you say. The SOL runs out in another 11 months and this particular attorney will refile if this is dismissed w/o prej based on untimely service. Most of my research has been on this attorney AND how the judge rules on these particular cases in my county. My goal is to get this dismissed w/prej, which is why I chose not to file a motion to dismiss based on untimely service. I want the attorney to know that I'm not an easy target by filing an answer w/ counterclaims. I will post my answer and defenses in a little bit. I'm taking your advise and keeping things simple so I don't annoy the judge and appear to have copied stuff off of the internet.
  19. Being sued by JDB within SOL. Court allowed 190 days to serve me! They got me. And this is the hardest part: The attorney’s second (and final motion allowed) to extend time to serve me was granted, but was to be dismissed w/o prej if service was not effected by July xx. The sheriff person showed up at my house and served me THREE DAYS AFTER this deadline. Is that not a defect in the service of process? Or at the very least, preclude the court’s jurisdiction over this matter? Shouldn’t the clerk of court have dismissed this case instead of permitting an entry 3 days AFTER the judge allowed the plaintiff to serve me? I brought this to her attention and quickly discovered that if the clerk of court in my town gets paid more than $6.00 per hour, she’s over paid! Sorry if I sound callous but I’m pretty frustrated. To top it off, I wasted $40 bucks the other day on a 20 minute conference with an attorney who was absolutely useless and most likely had to look up the acronym FDCPA after my departure. I just wanted clarification on Iowa’s RCP and was told to handle this situation in a manner that provided me no leverage at all! So I’m back here at CIC where I get the most information and most importantly, the most comfort, as I know I’m not alone. I have been reading and researching but I’m still unsure. Can someone PLEASE look at this part of Iowa’s RCP and tell me if I’m reading it right? Unless I file a motion BEFORE answering the complaint asserting the following defenses, I lose them: ???? Lack of jurisdiction over the person Insufficiency of original notice or its service To recast or strike For more specific statement Am I interpreting this correctly? Iowa RCP: Rule 1.421 Defenses; how raised; consolidation; waiver. 1.421(1) Every defense to a claim for relief in any pleading must be asserted in the pleading responsive thereto, or in an amendment to the answer made within 20 days after service of the answer, or if no responsive pleading is required, then at trial. The following defenses or matters may be raised by pre–answer motion: a. Lack of jurisdiction of the subject matter. b. Lack of jurisdiction over the person. c. Insufficiency of the original notice or its service. d. To recast or strike. e. For more specific statement. f. Failure to state a claim upon which any relief may be granted. 1.421(2) Improper venue under rule 1.808 must be raised by pre–answer motion filed prior to or in a motion under rule 1.421(3). 1.421(3) If the grounds therefor exist at the time a pre–answer motion is made, motions under rule 1.421(1)“b” through 1.421(1)“f” shall be contained in a single motion and only one such motion assailing the same pleading shall be permitted, unless the pleading is amended thereafter. 1.421(4) If a pre–answer motion is made under rule 1.421(3), any matter specified in rule 1.421(1) or 1.421(2) which is not included in the motion is waived, except lack of jurisdiction of the subject matter or failure to state a claim upon which relief may be granted. 1.421(5) Sufficiency of any defense may be raised by a motion to strike it, filed before pleading to it. 1.421(6) Motions under this rule must specify how the pleading they attack is claimed to be insufficient. [Report October 31, 1997, effective January 24, 1998; November 9, 2001, effective February 15, 2002] AND D. Time, filing, and notice requirements Rule 1.441 Time to move or plead. 1.441(1) Motions. Motions attacking a pleading must be served before responding to the pleading or, if no responsive pleading is required by these rules, within 20 days after the service of the pleading on such party. 1.441(2) Pleading. Answer to a petition must be served on or before the date prescribed in accordance with rule 1.303. A party served with a pleading stating a cross–claim against the party shall serve an answer thereto within 20 days after the service of the pleading upon the party. The plaintiff shall serve a reply to a counterclaim in the answer within 20 days after service of the answer, or if a reply is ordered by the court, within 20 days after service of the order, unless the order otherwise directs. I’ve been working on my answer, affirmative defenses and counterclaims, but I just read (once again) Iowa’s RCP, and now I’m not sure how to proceed. Please HELP! Anyone????
  20. I’ve been thinking about this some more and I want to apologize for my first response. I believe I came across in a way that was blunt and insensitive and it was not my intention. I’ve been really stressed out and frustrated lately because I’m in the situation you were in – being sued. I’ve consulted with attorneys and either they know nothing of collection laws, have no interest in my case because the money they would make is not worth their time, or they are just plain anti-debtor. When I read your post about the attorney’s willingness to offer his assistance I was extremely envious. That said, I would like to offer another answer to your question. The drama my lawsuit has created in my home is terrible. I’ve not been sleeping well, I’ve been short with my kids (which brings much guilt as they are so deeply cherished), my fiancé had a mild heart attack last month – thank goodness he’s okay; however, the tests indicate that it was stress related. Long story short, sometimes it’s best to just let things go. I’m constantly reminding myself of what is truly important in life. If you are undecided because you want to put the ugliness behind you, than that is not only totally understandable, it is admirable. Lawsuits are battles and the outcome is never certain. The attorney for Uniscum is one of hundreds in this country who execute their tyranny on people everyday. It sickens me to observe this industry that preys on people who have suffered some type of misfortune in their life. This trend is growing with no relief in sight except to fight back in the manner of which you have been provided. (Sue them right back!) So anyway, my first post was a selfish one – I wanted the scumbag attorney to pay. However, there are always pros and cons to every choice you make in life and only you know which is best for you. I’d say base your decision on what you feel will bring you the most peace.
  21. Are you kidding? Do you know how many people would love to be in the position you're in? The opportunity to punish the scumbag attorney (who undoubtedly caused you a lot of stress) AND make a little profit? Many people would love to do that but really don't have the time or motivation to put forth the work. You have an attorney contacting you to let him do this work for you - I would jump on that opportunity in a minute! I totally understand not wanting to go to court, but the attorney's own desire to sue indicates that the case is pretty solid. I say do it! Overcome your fear and seek justice for the many of us on CIC who have been victimized by the industry and their blood-sucking attorneys. And please, oh please keep us informed.
  22. On June 6th we applied online for financing for a furniture store with American General Financial Services. Was immediately told, "requires further review by representative," & "will receive a response via e-mail within 24 hours. Not even a minute passes when we receive this email: Thank you for applying blah blah blah. We are sorry, but we are unable to help you with your financing request at this time. A notification of the denial will be mailed to the address provided within 30 days. Generally one receives these letters within two weeks, but now it's been 32 days & I don't think we're getting one. I'm not sure they even processed the application at all considering the number of seconds (litterally) that it took them to give us a definitive answer. Of course this has shown up on the credit report as an inquiry. Should I just call them? Obviously I would like the letter that explains why & gives me the opportunity to obtain my credit report for free. Isn't there a law that says they must provide this?
  23. Wow! That's awesome and inspiring! Thanks for sharing & congrats!
  24. I read somewhere that you can tape record a company or business if they have an automated system that claims, "this call may be recorded for quality assurance" or something to that effect. I don't recall if the CRAs say that or not. Does anyone know? I have my letter ready to send to the CEO of EX but don't want to tell him I tape recorded my conversation with his contemptuous Customer Service Rep if I'm actually not allowed to do that. My letter is regarding this thread (just incase you're wondering) http://debt-consolidation-credit-repair-service.com/phpBB2/viewtopic.php?t=46310
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