everyseason

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About everyseason

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    Wisconsin
  1. Yes we want to take them to court over FDCPA laws. I guess this is much more involved than I thought. We are not getting anyone to respond to our validations letters. We truly do not feel that we owe most of this debt. We have written these validation letters to the original creditors and the collections agencies. But nothing is being done. (Not to anyone’s surprise). So I guess I am more than confused (and dumb). How do you get these things off your credit report? We have sent letters to the 3 credit Bureaus, but even the two that we felt we did owe, we want to pay them off but do not know who to pay them to and one original creditor is telling us we never owed the debt and they zero’ed it out on their accounts, but it was up to us to deal with the collection agency, who punted the account to someone else. What do we do than?
  2. everyseason

    Punting

    We have sent out validation letters, however, the collection agencies are signing for them but within a few days we are getting another letter from a different collection agency saying they have it. This has gone on several times. How do we take anyone to court if we don't know who is handeling the account. BTW no one has replied back to the validation letters either. We also send a copy of the validaiton letter to the original company, so they both are getting the letters. HOW DO WE TAKE THESE PEOPLE TO COURT
  3. We have sent our validation letters out (certified) and are now starting to receive them back. To no surprise we have one that just sent a handwritten “we have investigated your claim and find you liable” with not other proof letter. My question is: If we file a summons and complaint, do they have the right to Validate during that time and what happens if we find that we owe this debt. Do we pay at that time or what grounds do we have taking them to court other than they didn’t provide validation within the 30 day time frame? Are we out the $65.00 and just pay them? Also what happens if they do not respond to the summons and complaint but show up in court with the documentation?
  4. This case is going to Federal court, so is there a website or another source that I can look up civil information?
  5. Here is a weird question. We are in a lawsuit that involves us as the Plaintiffs. The summons and complaint have been served to the defendants we listed. The defendants are now trying to get another person named as a defendant in the suit. We had the right to name the person under the lawsuit, however, he did do things that could be considered obstruction of Justice (maybe) but didn’t break the law that we are suing the defendants for. How can they do that if we didn’t name this person?
  6. If we find that a collection agency is unable to validate the charge on our credit bureau and we take them to court and win, can the collection agency "sell" the account to someone else who in turn can place the information on the credit bureau to start the vicious cycle all over again.
  7. I would like to negotiate a settlement. However, I see WI is a state that a creditor can retain their rights to sue me by writing "under protest or without prejudice" with his endorsement. What would be the advantaes of getting something in writing (assuming I can) for a settlement if we settle, I send them a check and they retain their rights. Then I am paying them off fully anyway. Any thoughts?
  8. So my best bet would be to just work with them and pay them off.
  9. Does anyone know, if I dispute things on the credit report and the CRU takes them off after the 30 days, how do you keep from the collection agencies from "selling" the account again and putting it back on. I did this last year with my husbands credit report and am finding that they are placing the accounts back on, some even under the same collection agency. Some of these have been filed under a bankrupcy over 3 years ago, some we don't even know where they came from.
  10. Does anyone know, if I dispute things on the credit report and the CRU takes them off after the 30 days, how do you keep from the collection agencies from "selling" the account again and putting it back on. I did this last year with my husbands credit report and am finding that they are placing the accounts back on, some even under the same collection agency. Some of these have been filed under a bankrupcy over 3 years ago, some we don't even know where they came from.