AISLE4

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About AISLE4

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  1. I received the same letter. Idiots. They have continued collections after receiving a timely validation request. They even got a lawyer to send me a letter. He quickly disappeared after I informed him that Cavalry was now using him to break the law. His letter to me is just more evidence in my case against them.
  2. They now know where she banks. I'd advise her to close the account and open another elsewhere, preferable somewhere far away. A headache, yes, but the only thing to do from my point of view. I think NY allows pre-judgement bank freezes. It's never a good thing to let collection agencies (or anyone else) know where you bank.
  3. The printing presses. Worst case scenario: deposits in collapsed banks are covered with treasury bonds that have no active market but instead a maturity date at some point in the future. We know how well IOUs worked out for California. Folks given the IOUs were selling them at a loss on eBay and craigslist because immediate cash was needed to buy food, pay the rent or meet payroll. Maybe folks feared that the IOUs would never be honored. Some banks wouldn't even accept them as deposits that would be available at maturity. 100 billion is a fantasy figure. It's going to be much more. Actually worst case (maybe a couple years down the line) is depositors get squat and are left to fend for themselves, which is pretty much what is happening now surreptitiously with the debasement of the dollar. But DC will burn if this happens, so the printing presses will be running around the clock a la Zimbabwe.
  4. Yep, your money is safe in the bank. Nothing to be concerned about here. Of course, political expediency will require that the FDIC is funded immediately, no matter how embarrassing and damaging the choices for achieving that goal. The dollar is on a quick path to oblivion. http://www.zerohedge.com/article/fdic-discloses-deposit-insurance-fund-now-negative
  5. ^I'd amend that post to be a bit less specific about dollar amounts and other details. A ballpark figure would be fine just to determine how tenacious the plaintiff will be. That's a decent amount of money. Did they offer a settlement before starting down the legal path? What's the statute of limitations in Georgia? This account has gone through many hands. They don't want to see the inside of a courtroom. How old is this account? When did it go delinquent? It has been sold and resold and resold, which works in your favor if you know what you're doing. Is there a reason you don't have a lawyer? Money in a PayPal account is safe from judgments in practice (the bank account is not in your name) but in theory some might argue the other side persuasively. I assume you access it with a paypal debit card and don't access it through a transfer to a bank account with your name on it? Sent you a private message.
  6. Ballpark the amount of money they are trying to get. You want to question in court the person who signed the affidavit. How can this person have firsthand knowledge of the account if he is not an employee of the original creditor? That affidavit is simply a regurgitation of the JDBs records, which is pretty much meaningless. How can they have shown chain of custody if you haven't had a court date and gone through discovery? Since when do contracts only have to be kept for 25 months?
  7. I'm not suggesting that anyone hide or avoid anything. It was simply a question asked that I did not know the answer to, and I suspect that a lot of people have wondered about it. Any info that has been in databases can be found by someone who has gumption. 'Far-fetched' possibilities need to be considered by anyone being thorough in protecting their privacy. If storage businesses do appear on credit reports, that is something to consider when making a choice to rent a space. If it is on a credit report, anyone who want's to know can know.
  8. Showing identification to prove identity in order to rent the space is not the same as creating a paper trail. The business requires ID but is not acting as a creditor. They have your property which they can seize and sell if you don't continue to pay the fee. They don't appear on credit reports. If there is no payment that appears on account statements from credit cards or banks, the only way a judgement winner would be able to find the storage space is if the party on the losing end makes the existence of the storage space known. Do storage businesses actually take social security numbers? I don't know, but this is something to keep in mind if you are renting a storage space and are having problems with debt and collection agencies.
  9. I was recently asked if a collection agency with a judgement can seize property in a storage space without notifying the person renting the space and without any review/oversight of the contents of the space being seized. I couldn't answer the question. Anyone have any info? I suppose if you have a storage space and suspect that a CA might try to seize the contents, it might be a good idea to pay in cash and get a receipt to prove payment which eliminates the paper trail created with payment via credit/debit card or check. A CA will typically go after cash and big property that has obvious value, but if they discover a storage space in the paper trail of expenditures, they might become curious.
  10. Bring in a roommate if possible. Cutting the utility bills in half and having help to make the mortgage payments might provide her some relief.
  11. Well, there is no possibility of a lien or wage garnishment until they take her to court and win a judgement. I don't know why they would be mentioning the IRS unless they are talking about her paying taxes on any unpaid debt as if it had been undeclared income. They are putting the cart before the horse. If she can't pay, she can't pay. If her income is barely covering her base living expenses, how is it that she'd be able to make payments? Her best bet is to try to negotiate a deal where her monthly billing is suspended for a certain amount of time (with interest charges still being calculated) until she is able to allocate money to her cc bills. Not all companies will entertain this idea, but if they understand that this is a situation where they will either work with her or get nothing, well, they just might be bendable. These cc companies are dealing with increasing defaults on consumer accounts and are looking for ways to remedy the situation.
  12. Is it possible to get a hotel room or buy gas with cash these days?
  13. Consumer debt is a civil matter, not criminal. There was never a possibility of arrest. Your mother fell for a scare tactic without bothering to find out if the debt was valid.