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Everything posted by Amerikaner83

  1. That's a good quote And all your advice above is spot on.
  2. If they sent the dismissal after the Interrogs, I'd press back for dismissal WITH Prejudice. Means they can't go after you again. And just to CYA, prep your Answers to the 'rogs just in case.
  3. what do you currently have for Answers to those above questions? As stated above, usually some sort of denial or "lacking specific information" works...do you recall each and every notice they sent? Doubtful. 11-13 are in no way within your ability to Answer, since you do not have any purview or any knowledge of the relationship between Plaintiff and CapOne.
  4. I'd honestly go the arbitration route. Midland is a debt buyer, don't settle with them , let alone for the full amount!
  5. Bellona, No need to resurrect a three year old thread for this nonsense. You sound like you're holding a sign saying THE END IS NEAR wearing your tinfoil hat on the corner. /Locked.
  6. Have you looked around yet? There are several good posts (including a few by yours truly) outlining the 623 process. Check the "Primer on credit repair" sticky (link in my sig), I think you'll find a good place to start there. Also, you are in Texas, so be aware you may have additional rights afforded you regarding credit and collections under Texas State law.
  7. Also, did the dates of the charges (statement) match up with your name/address at the time you lived there? Could someone else have taken out an account in your name? "I do not remember this card" is not going to fly in Court. At this point, your "next move" should always be do what the Court says. How was your "request for more information" sent to LVNV? Did you file a copy with the Court?
  8. Hi Backfromthedebt - Quite the history lesson you're giving - I love it!
  9. Clydesmom is correct. Some states (Texas obviously included) have much better consumer protections than others. It always behooves someone to research their state laws to see what (if any) extra provisions apply to them. OP is in Texas, so if we were to go back in time, OP could DV anytime. HOWEVER it appears as if we're past that now...as OP has already been sued. And, based on the original post, it would reasonably appear that the information provided by them constitutes validation of the debt.
  10. Also, a good rule of thumb with a mortgage is to actually run the numbers yourself and know what you can afford. What YOU can comfortably afford may not be in line with what the bank says you can afford. It would be a bad situation if you bought a house with a mortgage of (as example) 2K monthly just because the bank approved you for it, though you could only reasonably afford a mortgage of 1500 monthly. I speak from experience on this one. When my wife and I took out our mortgage, the bank approved us for more than we wanted. We did our budget and figured our monthly payment out, and from there, reversed it to find out the max loan we could afford. And of course, the higher your FICO the better your terms. The better your terms, the lower the interest rate = the lower your monthly payment. This is excellent advise.
  11. If you want to GW it off, then pay Macys in full. Wait a couple months after a dispute and then write your GW letter, addressed of course to the President of the company. That's how I got Target (OC debt) and a couple CA's off mine
  12. No they will not drop off. Are you actually BEHIND on the loans? Word of advice - don't follow your credit score like the proverbial bouncing ball...you'll just give yourself headaches and vertigo. If you make good credit choices and develop good credit habits, your score will improve as a natural result.
  13. Discovery goes to S and H. Everything you file goes to them, you do not contact Midland for anything.
  14. Racecar and Shellie are giving you some GREAT advice here Evergreen division is in Monroe...it's not that far out of the way tbh...could be Lynnwood. The fair is in town now, might be worth it to take a weekday and visit the fair, and then hit the courthouse on your way over or back (it's right there on hwy 2, adjacent to the fairgrounds), get yourself familiar with the Clerk and have face-to-face chat with them. I've found (at least when i go in for traffic infraction stuff) that's a good way to get some intel. Here's another word of advice: stop talking to your friend who works at a collection agency. STOP IT. i don't give a flying you-know-what if he's your frat bother or your neighbor's sister's brother in law. Do NOT talk to him about any aspect of your case, capisce? You'll be fine...the amount is not that high, and to be honest, it looks as if they don't have much evidence anyhow. Target is original bak, then midland, then stupid and hammertime...S/H is the one suing you, yes? On Bahalf of Midland, or as themselves? Look at chain of custody of the debt...how did it get to midland...that sort of thing. As mentioned before, you didn't ever have an account with midland. Not sure if you've already done so or not, but look up cases invloving midland in WA state and see how they've gone. Most will be default judgments. Ignore those ones, since you're not gonna let them get a Default against you since your'e going to fight this.
  15. Just thought I'd pop on in to see what everyone is up to...and to sorta take a moment and breathe. It's been years since I've actively done credit repair...and just the other day I got the ScoreWatch alert that my EQ FICO went up to 802 Haven't done active credit management in awhile, really. Just been following the sage advice on Willingtocope's sig like: Manage your debt, not your credit score. How true that is. For those who are wondering, I only have three major credit cards and one store cacrd (Macy's): US Bank: 8500 BofA: 10K AMEX - 14K - Joint with Squeaker BofA started out, waaaay back when, as a 99/500 partial secured card. Years of good credit habits now make that 10K. USBank also started out as a secured, years ago. Actually, I lied above. I just hit the "love button" on BofA couple days ago and my 10K limit turned into 15K The moment I realized that combined, my wife and I could buy a new Lexus SUV on only our credit cards was staggering. That's a REALLY BIG hole that we could potentially get ourselves into if not for the years of responsible credit management that we (who am I kidding...not we...I ) have learned to do. Squeaker was blessed with parents who taught her at a young age about responsible credit and debt management...I was not. So I've done things the hard way. And yes, I've slipped back into old habits and behaviours before. It's really something that I have to be completely aware and on top of with myself...else I know that I will slip. I guess what I'm trying to say is this whole "good credit thing" doesn't end when you have a FICO score you're happy with. It's a never ending process that must be lived...not a game that you can say "ok I'm done now". Hope everyone out in CIC-land is doing well
  16. This has been a long journey for you...a big journey as well. I am amazed at the difference in tone of your posts from the beginning of this tread until now. You did incredible! Congratulations!
  17. I have 2GB with T-mobile, and the only time I ever went over was when I downoaded a ton of music and games to the phone while NOT connected to wifi If you do streaming music from the 'net without being connected to wifi you'll have large data usage, and may approach your 2GB limit. 2GB though is a good amount...most normal usage like posting on here and what-not will not come close to 2GB a month. Regarding the phones themselves...I HIGHLY recommend getting one with a slide out keyboard. My last one (T-Mobile MyTouch 3g slide) was great...loved that keyboard. My current phone (Samsung Galaxy S2) does not have a physical keyboard, so it's lighter but I misspell a lot more often now than before. Go to the carrier stores and try the phones out that you like, then go online and get a lightly used one on ebay...no contract, cheaper, and then if you find you don't like it you're not forced to keep it
  18. You don't need help with a validation letter...you need a plan of attack on this debt in general. You're not at the point in which a DV would benefit you, from the little amount you posted above. Check the links at the top of the page and learn the system as to the order of operations. You always dispute with the CRAs first. You need to do that. Never had an HSBC credit card...HSBC is the underwriter for many store brand cards such as best Buy, just so you know. So if you ever had a store credit card (as as example) you have had an HSBC card. When was the last time you checked your credit reports?
  19. Good job! No need to rub the CAs face in it. They'll know when the hospital tells the CA why theyr'e pulling it back, don't you worry.
  20. If time is your friend you wait it out. You find what the SOL in your state is, and when it passes, you send them another letter telling them "The SOL is passed, you have no legal recourse against me to get these debts paid, the ONLY way you're getting money from me is to delete your tradeline. Good day" That's IT. None of this "please, sir, may I have some more?" type negotiations at that point. You don't NEED this TL gone, you WANT this TL gone, and the CA knows it! How long is Florida SOL...4 years or 6? you're only 2 years old on these debts right now... And rereading your original post, I think you're of the opinion that a CA should be nice. That ain't their job. Their job is to get as much money from you as they can. Not to be nice and make you feel good. You said that you want to settle and be done...they don't give a rat's behind about that...but they know YOU do so they're playing hardball. Oh, and for the love of God, stop talking to them on the phone!
  21. Also, you could go to a local law library if you have one (most Universities would) and speak to a Law Librarian (hint...many of them are actually attorneys) about it as well... But I'd think that if you simply showed up for court the Default will be denied, especially since the substance of your Answer to the Complaint (original or amended) is still valid.
  22. CIC vs Debtorboards......Chevy vs Ford...Pepsi vs Coke...No need to elaborate. Closed.
  23. No.See my sig line...if it ain't in writing, then IT DIDN'T HAPPEN
  24. See if you can pay the hospital or doctor's office directly...If they can take the account back from the CA, then no more CA on your reports
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