justincase

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About justincase

  • Rank
    500 posts and hasn't been banned yet....

core_pfieldgroups_99

  • Biography
    Retired Maryland State Trooper, now employed with E.S.S.C. as Private Investigator
  • Interests
    Hunting, Fishing, Cooking, Shooting(Range), Playing B-Ball and Flag Football, Traveling
  • Occupation
    (Retired State Trooper) Private Investigator/Executive Protection/Security Consultant

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  • Location
    Florida
  1. This has reported on her reports already for seven years, just because they renewed the judgment means the clock starts all over again? How can the SOL start again for the same debt, we understand it's their right to renew the judgment but starting the clock again for another seven years, so as long as they keep renewing the judgment this debt can report?
  2. Hello all, been helping my aunt with her problem with the big 3, seems they are reluctant to delete a default judgment that was from 1997 renewed in 2008 and now showing satisfied and is due to drop off her reports 2015. Here is my take on it and what we have been telling EQ, EX, and TU. 1. The default judgment from 1997 ran it's SOL for reporting in 2004. 2. Just because the judgment was renewed in 2008 does not allow them a fresh 7 years to report the same debt again. Any insight and or opinion is greatly appreciated. __________________ Plan your work...Work your plan...Work hard...Play Harder!!!!
  3. Hello all, been helping my aunt with her problem with the big 3, seems they are reluctant to delete a default judgment that was from 1997 renewed in 2008 and now showing satisfied and is due to drop off her reports 2015. Here is my take on it and what we have been telling EQ, EX, and TU. 1. The default judgment from 1997 ran it's SOL for reporting in 2004. 2. Just because the judgment was renewed in 2008 does not allow them a fresh 7 years to report the same debt again. Any insight and or opinion is greatly appreciated.
  4. Yes he can be sued, the only thing to do if that should happen while he is incarcerated is to write the attorney letting him know that fact. Some people are considered non sui juris: they do not possess full civil and social rights under the law and Convicted felons or prisoners do not fall under this category where they can have their claims or defenses asserted by a legal representative, such as a parent, guardian, trustee, or executor.
  5. Cool, I would get money orders for each when your ready to pay and make it out to the original creditor and send it to them. My reasoning for this is, my experience when I paid the OC directly even after the debt went to a CA the OC cashed the money order, I waited about 30 days and disputed with CRA's as paid before going to CA, and got deletes. Just my experience an opinion.
  6. Definitely stay off of the phone with everyone at this point, by you letting them know your husband is incarcerated they might be prompted to sue and get a default judgment. Never give anyone your banking info, never let them know were you bank at. They will wipe your accounts clean. I would send every collection agency C&D letter. I don't know how long your husband will be down, but I would wait until he hits the ground again to try and address these matters, regarding situations like this time only helps with his credit issues as long as nobody sues. Leave it alone your inquiries are causing attention. If they think you can pay something from the impressions you give them they will hound you until no end and may wind up suing. Leave it be. Just my opinion.
  7. I would send them a FOAD letting them know, we went to court, case dismissed and now SOL for legal recourse, have a misrebale life.
  8. It is my policy, as well as a lot of other members here to stay off of the phone with the CA's especially if you are not well versed as it relates to your FDCPA and FCRA rights. If you have to communicate with them, keep it limited to USPS only. Your husband is the only one who can access his reports so you'll have a difficult time finding out what's reporting. Regarding the debt you are talking about, how old is it, who is the collection agency, did they send a dunning letter. These are some of the questions we would want to know to give you more insight.
  9. Wasn't trying to be a smart a**, we just advocate everyone reading the primers and educating yourself some to the basics, if your still having problems re post your questions and some of the great minds here will chime in.
  10. If it's beyond SOL then you have an absolute defense, case closed.
  11. The search button is your friend. Or just google your question. Also read the newbie primer. Good Luck!
  12. I think I should start a thread and name it Dumb Sh*T Motorist Actually Say When Stopped By The Police! Hilarious!!!
  13. Why?? and get yourself arrested for impersonating a police officer!!!! What a dumb a** and yes I am a retired MD State Trooper, trust me all COPS aren't bad.
  14. My question would be, what is the contact info on file with the CRA'S for Irwin Union Bank? So if the OP did a dispute, where would they send the CDV? Just a thought.
  15. FICO's are more true score. FAKO's are determined by a completely different scoring system.