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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. ^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.
  4. 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?
  5. 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.
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. Is it possible to get a hotel room or buy gas with cash these days?
  11. 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.
  12. I'm all for facing problems. Ignoring them and letting them fester is never a good idea. In consumer debt related issues that means educating yourself and participating. I would never suggest to anyone that they attempt to hide from problems. Reading this board as often as I do it is clear that many people do get morality mixed up with debt issues. Most of us want to do the right thing, or at least what we perceive as the right thing. Morality and math are often not the best of friends. Getting morality mixed up in the equation can lead one to making the wrong choice financially. There are ways to protect yourself. Legal ways. Do it or don't do it. I'm just tossing the option out there to let folks know it exists. Taking a mortgage on a home or borrowing money that is a secured debt to pay an unsecured debt is never a good idea. Many people do exactly this because they feel that it is the right thing. Taking money out of a retirement account to pay an unsecured consumer debt is not a good idea. Borrowing money from family or friends? Creating a new debt to pay an old debt is not a good idea for most people. Stepping off my soapbox.
  13. No, financial responsibility and protection of privacy are not mutually exclusive. I'm merely pointing out that in the current worldwide financial catastrophe there are ways of safeguarding assets (#1 is have no financial intermediaries between you and your assets). Doing things as normal and hoping for the best may be a quick path to ruin. Many people have more dire issues than paying credit card bills. It's just begun, folks. People searching for advice here are usually not in a good place financially and contort themselves trying to find a way to pay unsecured credit bills when they can barely put food in the fridge and keep the lights on. Letting morality get in the way of financial reality may not be a good idea. You can be sure the banks getting bailed out from money taken from your pockets and your children's pockets and your grandchildren's pockets don't bother with such morality. If you have the ability to pay, then pay. If not, well then confront reality and do what you can to protect yourself within the law.
  14. Citi has done a 180. Once upon a time they were among the most difficult to reach a settlement with and they were also known for not selling delinquent debt. Now it's a game of hot potato. They can't get rid of them fast enough.
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