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Everything posted by fabi

  1. If they agreed, in writing, but after receiving the payment did nothing, what are the legal options? Can we take them to the court?
  2. WhoCares1000: Thanks for your reply. The whole idea is to know how a judgment creditor can find if you are part of a corporation or llc! A friend was asking me and I had no idea how it works. You mentioned The corporate Veil. Do they need to brake that first in order to request the sale of shares or stock? Thanks.
  3. Massive:...... What would be the difference?
  4. Here is my question: After a judgment is entered against someone and e write of execusion has been orderd by the court. Can the judgment holder or their attorney try to request and attach a business account that belongs to a corporation or LLC, where the judgment debtor is a member and has access to that bank account? Thanks for your feedback and have a great weekend.
  5. Can we ask a creditor to not report a perfectly good standing account to the 3 CRAs? Is it legal or has anyone heared of something similar? Thanks.
  6. This judgment was entered against me 3 years ago. Tried to fight it in the court, but no luck. It is not showing in my credit report. I would like to contact the CA, and try to settle it, but I am afraid that it would be reported as settled on my credit report. If I don't ask them to report it as settled, what are the chances to have it showing up in my credit report?
  7. calawyer, do you know any attorneys in Los Angeles for FDCPA violations? Thanks.
  8. Trueq, Thanks for your posts. In the first one, the title said: There is only 3-4 GOOD attorneys. Do have any contact info for them? Thanks.
  9. Thanks everybody. At this point, I should stop waiting for these guys to answer. The BK market is so hot for them right now.
  10. Hi everybody, I think I have solid evidence to show several violations by Midland, Crap One, plus CRAs usual "Non Compliance". I have been trying to contact a few attorneys, listed on NACA site for S. California, but none has answered to my emails or messages left at their voice mail! Does anybody know an actual NACA attorney who would, at least, return a call? Are they so busy that can afford to ignore a request? Thanks for your help.
  11. The irony is, that we know they are not useful to us, but each click on a link in this site, openes "Lexington Law" ! Should we realy have these guys advertise here?
  12. fabi

    This is nuts!

    Hello everybody and Happy Holidays. I have disputed a few items on my credit reports for several months, following the guidelines. First with the CRAs and then to CAs or OC. All three CRAs have come back "verified". I have requested the OC (Crap1) to investigate and the CAs to validate. None of my requests (certified mail) have been answered and the CRAs keep coming back as "Verified"! A few weeks ago, Equifax started reporting a wrong name, once I requested the correction, they asked for the copies of my IDs. Not a big deal, but I had their old reports with my correct name and address. So I sent them the copies and asked them for an explanation and who authorized them to change my info? Today, I got 3 letters ( Exp, Equi,Trans). All are telling me that this is Fraudulent and they will not investigate and they will not answer to my requests for the method of verification. We all know that they are rubber stamping the verifications. Is there anyways to report them, before dragging the information furnishers to the court? Thanks.
  13. Hello everybody, here is my question: Once a judgment is issued and the CA tries to collect, are they required to report the correct account info to the CRAs? I have this CA reporting wrong account openning dates, etc , but not reporting the default judgment! What would you do? Let it slide or go for a DV?
  14. Clyde, if these guys are who I think, be very very careful. I think this is a law firm based in San Diego. If so, you'll see them filing tons of paperwork with the court and then request to dismiss the same, a couple days later . It's a huge smoke screen, it will make you think that they are messed up big time and will take your eyes off them.( I have checked the court papers on several cases and this seems to be their favorit MO). Be aware that they will use a "Rent-a-lawyer' service, after filing for a default Judgment via fax with the court, change the original court date and before you show up, all is done! I had a run up wit these guys. They had nothing, had filled a fake proof of service, never served me and I only found out a year after they obtained a judgment. Keep your eys open and don't let them pull a fast one on you.
  15. Hello everybody, I have been trying to repair my credit for the past few months with a few results. However I haven't been able to get rid of some, such as Crap one , etc etc. They keep validating with the CRAs, but refuse to provide documentation. One of the issues that I was disputing with the CRAs was removing an incorrect name and address. ( Never lived in that address or even close by). Well, after 3 requests and the CRAs refusal to remove the incorrect info, now they are all reporting the wrong name as mine and in order to proceed with any disputes, they are asking me to provide copies of my DL, SS Card with the wrong name !?!? Are these guys out of their minds? What if I file for identity theft? It looks like someone is using my SS with a modified/wrong name! I don't know how to proof to CRAs that I'm not the person they are reporting. Happy Halloween:evil:
  16. Thanks astiman, but I think you did not consider that in California, we can use our own version of FDCPA and stick it to the OCs too! Please correct me if I'm wrong.
  17. Thanks everybody. I still think there should be a way to get these guys. Maybe a class action ?!? If I'm not wrong, reporting and updating is considered collection activity. If they know the account is not collectable, aren't they in violation? How about their funny validations?
  18. Hello everybody, I have been trying to get an, out of SOL, Crap one off of my credit report. It has been charged off (2004), and still belongs to the OC. As we all know, they keep adding all kinds of charges and interest and damage the credit score as much as possible. ( A $300 card, results %440 over the limit!?!?!). My question is: How Crap one can get away with this? If this is legal, then why the others do not do the same? I'm sure Crap one knows that this account is past the SOL and still keeps adding fees. Would that be a violation? Thanks.
  19. Hello everybody, I have disputed an item on my credit reports with CRAs, today I received a letter from the OC, informing that they have finished their investigation and according to their records this account belongs to me. The information provided in this letter are, date the account opened, one payment using check by phone and a phone call record ( That I don't remember at all and was made 6 months later??). It follows by saying that they have sold the accout to JDB and asking to direct all futur inquiries to the new legal owner! Now, my question is: is this enough proof? It's just one page computer printed letter. No copies of any original documents or anything else. Any suggestions? Thanks.
  20. I have a judgment filed against me since 2006. The attorney representing the JDB was not able to collect anything. Another CA was checking my credit report every month for almost a year. Now I've got a letter from the first JDB, stating that they have a judgment and asking me if I want to validate it? It's all new to me. Why they are asking if I want to request a validation? Thanks.
  21. fabi

    What to do?

    In 2003, I co-signed a contract to lease a credit card processing machine for a company, as one of the partners. Two years later, when no longer a partner, I was contacted to pay for the equipment lease! To make the story short, the remaining partner refused to pay the lease and associated fees, and once the account was closed he opened another account with them, and I got all the negatives on my CR. My question is, if anybody knows the SL for equipment lease contracts? Being a commercial lease, is there anyways that I can get rid of this negative? Thanks.
  22. fabi

    What to do?

    Hi everybody, I'm trying to deal with some old accounts. They were opened by "Providian" sold to "WAMU" and now reported as "Chase".( all accounts are OSL). Needless to say, "Chase" is reporting all new account #s and openning dates, etc. In this case, "Chase" should be handled as a JDB/CA or OC? Thanks.
  23. I got denied 4 times with a 759 credit score!!!! It didn't matter even if I was putting %25 down on a $40.000 car. In addition, all dealers ( all GM dealers, not the fake ones), shutgunned my credit to 6-7 banks each! In a month I got almost 30 inquiries! Does anybody know if this is legal ? I'm in California and I would love to know if this thing could be reported!
  24. Hi everybody, I disputed a few items on my Transunion report in August 08. By mid September, I got an email alert. It stated all as verified! On Sept. 18, I requested, in writing, for the Method of Verification. Today, Oct 9, I got two letters from TransUnion! The first letter, dated Sept. 25, says: "Our records show that your creditor(s) previously verified as accurate the items that are listed below. Therefore, under the Fair Credit Reporting Act, we consider this dispute frivolous and will not reinvestigate the item(s) unless you can provide court papers or a recent, authentic letter from the creditor(s) that explains what information should be updated." Then on the second page, they request the proof of mailing address?! The second letter, dated Sept.27, is to inform me that the disputes where verified! Now, one of the disputed accounts is Midland. I have received a letter from them requesting for info, to start their verification. For another disputed account (HSBC Bank) I have received a letter from them, saying the account is sold and they have no record of it! My first question is: How TransUnion could verify something that even the reporting company doesn't have a record of it, or even has not started a verification/ validation process? Second question: They hide behind FCRA, to tag any dispute as frivolous. I think at this point their response is frivolous. They never provided any evidence of verification. Any suggestion, on how to proceed, is appreciated. Thanks.
  25. Hello all, I applied for a Hooters card, a couple weeks ago, got a letter from them requesting verifications! Basically they were asking for a bill, and the copy of my SS Card. Couldn't find my social security card, since I haven't had a use for years. Sent them a bill and copy of my Social Security Statements. Got a phone call from them today, saying that it is not enough!?!? While talking on the phone, with them, checked my credit on line, realized that they are Merrick Bank! I reminded them that I already have a Merrick bank card, but she came up with a"cardholder agreement" mumbo jumbo! I don't know how they can claim it, if I am not a Hooters card holder! Anyways, she also said that this is a requirement for Patriot Act!! Does anybody know about this? Just because I was born in a different country, does that puts me in a different category? That would be interesting to find out! Thanks.