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dinomosin

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  1. I sent off a Money order to the court today for copies of the case 27 pages x 50 cents a page. Yesterday I sent a letter to the Attorney (collection agency) stating that it had been 30 days since I got the letter from the court and telling them to contact NFCU immediately to remove the hold. I spoke with the lady in the Security Dept at NFCU and she said because the paper from the court discharging my account from levy/attachment did not specifically state Navy Federal she could not release my account. Hopefully when I get the papers from the court there will be something in there to that effect or the Attorney will indeed contact them. Oh well time to play the waiting game again.
  2. I am able to pull up the docket sheet in the courts website. It is about 3 pages long and I wasn't sure if I should cut/paste it here or not. The Judgement was renewed in 2004. I have spoken to the security department at Navy Federal (the lady who is handling my garnishment.) She had me fax her the granted motion to discharge property from levy/attachment but she would not release my account because the motion did not say anything specifically about Navy Federal. There were 2 bank accounts mentioned in this suit, my NFCU account that I have had for 20 years and another B of A account that I had when I moved into the apartment but was closed 15 years ago. She says I need to get something from the court that specifically states they are releasing my NFCU account or something from the attorney who filed the suit against me. So now I am about to send a copy of the discharge property from levy/attachment and a letter to the Attorney and demand that he contact NFCU. I wonder if now he'll come after me in Florida?
  3. This weekend (and it has happened occasionally in the past) I got an email update every hour from the credit infocenter for a thread that I posted to Saturday that I had "daily updates" selected. Sometimes this has happened in the past to. Someone will post in a thread for the first time in awhile and then every hour I get an email telling me about that same post over and over again.
  4. I was in the Navy at the time (1989-91) stationed at the Naval Medical Clinic Annapolis. I rented an apartment with a 1 year lease and about 10 months into it got married to another sailor and rented another apartment without fulfilling my lease. This was almost the exact same time as Desert Shield and I was sent TAD (temp. duty to Bethesda (only 40 miles away) for 6 months. I really don't think the TAD had much to do with the move. It was 20 years ago and I don't remember everything clearly but I am pretty sure it was my fault. In 1991 my wife and I were both transferred to Jacksonville FL and both got out of the navy in 1993. The original judgement is for $793.16 dated July 31, 1992 (I moved to Florida in October 1991 and was never served) but has ballooned to $1778.41 with $821 interest at 6% x 17 years + 45 court cost + 118.97 attorneys fee. I will look into getting the docket sheet and will update when I get it.
  5. Last weekend I got a letter from the District Court of Maryland that says: "A motion to Discharge property from Levy/Attachment was filed by the defendant (me) on Dec. 28, 2009. On April 12, 2010 the District Court of Maryland granted the motion." So I took the letter down to my bank and they said they have to here from the lawyer who filed the garnishment. They gave me his phone number again. I assume the "lawyer" is a collection agency so I have never contacted them by phone. I have only contacted them by mail once to send them a copy of the motion I filed. What I was thinking about doing next was to send the lawyer a copy of the granted motion to discharge and a letter demanding they remove the garnishment. Is that what I should do or does anyone have any other advice? (I guess I still technically owe them the money from 18 years ago but I have no intention of paying it.
  6. I just got my 1st ever CLI from HSBC from 1000 to 1200. I have had the card about 25 months so I don't know if it had anything to do with the 2 year mark or anything. My balance has been sitting between $650 and $750 for about 6 months and last week was the 1st time I made a payment of over $100 ($105.) They sent me a nice "CONGRATULATIONS, It's always a pleasure to share good news with our cardmembers letter!"
  7. This is my post about the Garnishment issue. Yesterday out of the blue I get a letter in the mail from Crescent Recovery in Virginia with an account # on it. I have not received a collection from anyone in over a year as I don't owe anyone anything from the last 10+ years other than current credit cards that are all up to date with 0 late payments this century. It is a privacy policy of some sorts with an opt out disclosure asking for my signature, printed name and date if I want to opt out of Crescent Recovery making disclosures to non-affiliated 3rd parties other than disclosures permitted by law. It says nothing about how much I owe, who I owe it to or anything, it just has an account number and my name/address which I did have on the copy of the motion which I sent to the attorney in Maryland who is trying to garnish my bank account. Should I sign it and send it back? My instinct is to sign nothing but I need some advice?
  8. Is this something I look for in Florida law or Maryland Law. I have lived in Florida since 1991. The judgment was from when I was in the Military and stationed in Maryland from 1989-1991.
  9. Last month they raised my limit to $1000 this month they jack my rate to 25%. At least they were kind enough to give me a little love before they..... me in the ......
  10. So, I contacted a local (Florida) naca lawyer and they said to contact a Maryland naca lawyer because that is where the judgement came from. She could not give me much info without entering into a contract but she suggested I file for a "wild-card" exemption which is supposed to let you exempt $6000 of money/property. So I overnighted the motion to MD Courts and sent one CMRRR to the "attorney" that is garnishing the bank account. I did try to call the attorney from a private number just to see who would answer and it sounded like a collection agency as the recording had all the "this is an attempt to collect a debt" mumbo jumbo. I obviously did not speak with them but did enclose my address with the copy of the motion (which was on the motion anyway) and I formally requested to not be contacted by phone. I will update later when I hear something. Hopefully the court want want me to go all the way to Maryland to fight this.
  11. Should I just open my phonebook and also do you have any idea what it would cost me (ballpark)?
  12. I tried to log into my NFCU account because I got the online message saying my statement was ready and the site said I needed to call them. NFCU says my electronic access is frozen, as our my checking and savings accounts (but fortunately not my credit cards). NFCU faxed me a "Request for Garnishment of Property other than Wages" for a judgement entered Maryland in July 1992 for then $793.16 (now $1778.41 with interest/fees). I googled some statute of limitation laws and don't see anything in Maryland longer than 12 years so I am hoping this will help me but I am not sure........ "Civil action: 3 years from the date it accrues, unless: Breach of contract under any sale of goods and services: 4 years Promissory notes or instruments under seal, bonds, judgments, recognizance, contracts under seal, or other specialties: 12 years. Financing statement: 12 years, unless a continuation statement is filed by a secured party six (6) months prior to end of twelve (12) year period." NFCU gave me their number to call and I said I would prefer their address but NFCU said they had to respond on 12/18 with my account balances ($600) and other info so there probably wasn't time to do things by mail. What should I do next?
  13. Got the letter yesterday raising rate from 18.2% to 21.7%. It definitely sucks but I am unfortunately not in a situation I can just pay it off and cancel it. I guess they've got me on this one. The letter specifically states... "...several changes made to your account as a result of the current economic conditions and new federal laws and regulations that affect all credit card companies........These terms are being changed for reasons unrelated to your account status or credit history.
  14. My bil drops on the 26th and I got the letter on 11/10 so I would say it is mid-cycle. I have been at $500 for about a year and have gone to the store at least once every month and made a purchase or 2 to keep it active. I used to do it in hopes of getting the Visa and then 1 day about 6 months ago I was in the store and the cashier said I had been "pre-approved" for a Target Visa. I thought...FINALLY! so I applied and was denied. Still no visa but the CLI on my store card is nice.
  15. I am pulling all my repoprts today for the first time in a few months. Crown did not show up on experian and on Transunion it reports as... The following item is suppressed pending credit grantor update: CROWN JEWELERS INC #261..... PO BOX 630705 IRVING , TX 75063 (800) 680-5509 Balance: $0 Date Updated: 09/2009 High Balance: $57 Credit Limit: $2,500 Past Due: $0 Pay Status: Paid or Paying as Agreed Account Type: Revolving Account Responsibility: Individual Account Date Opened: 01/2008 Date Paid: 02/2009 I don't think I'll be buying any more cheap jewelry for my dog (the only lady in the house) the next time they send me the "if you don't buy something we are going to close your account" letter.
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