nevragainwillIusecc

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About nevragainwillIusecc

  • Rank
    Newbie

core_pfieldgroups_99

  • Biography
    Easygoing, naive (sometimes), friendly, easy to talk to
  • Interests
    reading, working on the computer, gardening, spending time with my two beautiful boys
  • Occupation
    Homemaker

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  • Location
    Florida
  1. I will find that sample letter, and try the same. This was my first time, and I nearly peed my pants! One more question-How do I make certain what they sent me after I DV'D them is weak proof?
  2. I guess I'm the fool for not asking for proof. The only thing the judge asked me was do you agree this is your debt? And, I said yes. Then they sent us both outside to try and settle. We went back in the courtroom after I agreed to $50 monthly and the judge then sent us downstairs so I could receive a copy, the attorney got one and I guess the other dude worked for the court. I will go to naca.net and see what I can find. Thank you!
  3. Hello everyone, I went to a pre-trial conference yesterday because I was summoned to appear in court. The attorneys who got all this from the collection agency didn't have any of the bills or original contract. I'm not sure if I did the right thing, but I was so intimidated I agreed to paying $50 a month to these guys, because I got freaked when he said there will be a judgement put against you if you don't agree to some sort of settlement. I'm not working because I have a baby, and am now kicking myself about not accepting the judgement. What are the consequences of getting one? Please write back. I need to start making payments by Aprill 11th.
  4. Thanks to all of you who have responded to me. I have been able to sleep better at nights knowing I have some support group out there (if you know what I mean).... According to the debt validation strategy in this forum it states: Wait 30 days to hear back from the collection agency. Most likely they will not respond or they will respond saying that they received your letter. Only a letter which includes: Proof that the collection company owns the debt/or has been assigned the debt, Complete payment history, starting with the original creditor, and Copy of the original signed loan agreement or credit card application is satisfactory. What gets me is they don't have any of these things stated above except for maybe the proof that the collection company owns the debt/or has been assigned the debt (if that is what you call the STATEMENT OF AFFIDAVIT I got). They didn't send me any complete payment history, starting with the original creditor, and/or a copy of the original signed loan agreement or credit card application being satisfactory. Therefore the forum states: If they haven't sent you satisfactory proof, send a copy of your receipt for your registered mail, a copy of the first letter you sent and a statement that they have not complied with the FDCPA and are now in violation of the Act. Tell them they need to immediately remove the collection listing from your credit report or you are going to file a lawsuit because they are in violation of the FDCPA, section 809 (. Wait 15-20 days to hear back after this second letter to the collection agency. They will either remove it or not respond. My next question: Should I send send a copy of my receipt for my registered mail, a copy of the first letter I sent and a statement that they have not complied with the FDCPA and are now in violation of the Act and tell them they need to immediately remove the collection listing from my credit report or can I file a lawsuit because they are in violation of the FDCPA, section 809 (. ??????????
  5. Thanks to all of you who have responded to me. I have been able to sleep better at nights knowing I have some support group out there (if you know what I mean).... According to the debt validation strategy in this forum it states: Wait 30 days to hear back from the collection agency. Most likely they will not respond or they will respond saying that they received your letter. Only a letter which includes: Proof that the collection company owns the debt/or has been assigned the debt, Complete payment history, starting with the original creditor, and Copy of the original signed loan agreement or credit card application is satisfactory. What gets me is they don't have any of these things stated above except for maybe the proof that the collection company owns the debt/or has been assigned the debt (if that is what you call the STATEMENT OF AFFIDAVIT I got) which is in my post above. They didn't send me any complete payment history, starting with the original creditor, and/or a copy of the original signed loan agreement or credit card application being satisfactory. Therefore the forum states: If they haven't sent you satisfactory proof, send a copy of your receipt for your registered mail, a copy of the first letter you sent and a statement that they have not complied with the FDCPA and are now in violation of the Act. Tell them they need to immediately remove the collection listing from your credit report or you are going to file a lawsuit because they are in violation of the FDCPA, section 809 (. Wait 15-20 days to hear back after this second letter to the collection agency. They will either remove it or not respond. If they do provide a contract with a signature from the original creditor showing that you owe the debt, there is one more thing you can try: see if they are legally licensed to collect the debt in your state. Here is a good site to begin your search. My next question: Should I send send a copy of my receipt for my registered mail, a copy of the first letter I sent and a statement that they have not complied with the FDCPA and are now in violation of the Act and tell them they need to immediately remove the collection listing from my credit report or I am going to file a lawsuit because they are in violation of the FDCPA, section 809 (. ??????????
  6. Hello everyone, I don't know how many of you remember my case. But, here is a short overview. I got a letter from an attorney here in Fla. about one of my debts. I Dv'ed him and followed all the steps according to this Forum. I followed the Flow Chart and contacted the Credit Bureaus also. All Credit Bureaus verified the debt, however check this out: I got a letter from the attorney after DV'ing him. It was the same exact thing as before-RE: LHR, INC. as successor to Juniper Bank, File #, Principal Balnce, Interest and TOTAL. It stated: Enclosed herein is the documentation in support of the debt with respect to the above-referenced matter. Accordingly, please contact our office immediately to resolve this outstanding debt. PLEASE GOVERN YOURSELF ACCORDINGLY! This letter is an attempt to collect a debt, and any information obtained will be used for that purpose. If you do not dispute the validity of this debt, or any portion thereof, within thirty (30) days from receipt of this letter, we will assume the debt is valid. Should you dispute the validity of this debt, or any portion thereof, in writng to this office within the thirty day period, we will verify the debt and mail a copy of such verification to you. Upon your written request within the thirty day period, we will provide you with the name and address of the original creditor, if different from the current creditor. Then along with it, I get: an AFFIDAVIT from the president of LHR saying: 1. I am the President of LHR doing businees at (address), and am authorized to make oath on behalf of LHR, Inc. accordingly. 2. I am over 18 years of age, am competent to testify, and have personal knowledge of the facts set forth herein. 3. In the capacity of my employment, I maintain the books and records of LHR Inc., and have personal knowledge that said records are kept in the ordinary course of business and it is the regular practice to record such transactions on or about the time of ocurrence. 4. LHR, Inc. purchased a portfolio of charged-off accounts receivable from Juniper Bank on or about 7/2/2007. Included in that purchase was the indebtedness of (my name). 5. LHR, Inc. is a bona fide assignee of Juniper Bank, the original creditor of the indebtedness of (my name). 6. In the ordinary course of business, and as is customary in the credit industry, Juniper Bank destroys all paper documentation on its accounts while maintaining true and accurate electronic records documenting the payment history and account status. 7. As such, Juniper Bank transmitted electroni data to LHR on 7/2/2007 at the time of the aforesaid purchase that sets forth all the account infromation relating to the claim. A true and accurate copy of the printout of the aforesaid is attached hereto as Exhibit A. 8. I affirm that if I was to be called as a awitness I can testify competently as to the facts of the indebtedness of (my name). 9. To the best of my knowledge, the defendant is not now on active duty in a branch of the military. Then, he signed under a notary. And, I get a STATEMENT OF ACCOUNT with LHR'S name and address at the top the account #, original creditor, original account #, cureent statement date, placement balance, las payment I made, interest, total amount of payments, and total due. Someone signed at the bottom and the same notary. Now, after reading the forum should I request something with my signature? What is this bs Statement of Account (1 pg.) ?????
  7. Hi everyone, does anyone know by any chance which address is CACH's? RAZR was kind enough to send it to me, but is it 7th or 17th St.? I don't know which address to send it to.....Thanx Collect America, LTD (CACH LLC) 370 17th St # 5000 Denver, CO 80202 Collection Agencies Collect America, LTD (CACH LLC) 370 7TH STREETSUITE 5000 Denver, CO 80202 Collection Agencies
  8. O.K. I got real upset when I opened my mailbox today. I feel there is no hope since Experian verified my charge to be accurate with LHR. I was just getting ready to send my DV letter to them. Should I still send it?
  9. I sent out a DV to the attorney and the CA that hired him CCMMR. I called Experian and put in my dispute, did it online with Equifax, and had to request my CR from TU by mail (they wouldn't give it to me online). As soon as I get it will dispute the debt on there, also. How am I doing so far? Now, I play the waiting game, right?
  10. Is it the first address or the second. You're an angel for finding it for me!!!
  11. I'm not going to DV the CRA's, but when I went online to equifax-it askd which debt are you disputing and I chose the one that says not mine for a debt and clicked on dispute that item. I was wondering if I should have written something about it, because there was space for writing comments? Thank you for your help!!!
  12. You're right. I'm going to DV LHR, also. How can I find out the address of a Creditor? (CACH-is the name). I got LHR'S off of my CR, but I can't find CACH'S anywhere.....