ImaBird

Then what good is it really doing us?

Well, EQ removed the TL last month, EX says "consumer disputes", and TU says, "verified according to FCRA". I wrote TU and told them that Asset was unable to validate according to FDCPA. I played the crazy person. I'm not sure they care, but I want to make waves about it any way that I can, because they obviously CAN'T validate. Wow. Okay, so I guess I'll just keep waiting. Thanks!

In January I sent a DV to Asset Acceptance. They responded with a questionnaire that included all of the questions that I should be asking them. They must think I'm an idiot. So I wrote them back and told them about it. Finally, by March, the lady handling my case wrote back with some generic information including my address and original account number and called it a validation. I responded with an ugly letter about how they are completely out of line, what they are doing is illegal, and I have a mind to sue them over it if they do not respond accordingly. I pulled a lot from example letters, then put my own personal twists on them. I have yet to hear back from them. They are completely ignoring me. So what do I do?

Has ANYONE defeated them? I'm actually starting to have luck w/ Asset Acceptance... but LVNV is also my white whale... not to mention Verizon... ugh. Thanks for the advice!

LVNV is assigned by Sears. Sears still owns the debt...

I'm going to call Sears, too and find out. If I find out first, I'll post. So, if LVNV bought the debt, can they still have a TL showing the balance?

Accidental post... please delete...

Would it be more effective to send a settlement offer to Sears, or LVNV Funding (the debt assignee)?

The thing about Ohio is that ANYONE can sign a service by certified mail, and it is considered served. That's why I demand due process. So, should I still add your suggestion?

This is the motion I'm going to file. Please tell me if I need to add or subtract anything... IN THE SUPERIOR COURT OF THE STATE OF OHIO IN AND FOR THE COUNTY OF _____________ PALISADES | Plaintiff | | Case No. 123456789 Vs. | | MOTION AND DECLARATION, Imabird's maiden name | TO VACATE JUDGMENT AKA Imabird's married name | Defendant | NOW COMES the Defendant, Pro Se, and prays this Honorable Court to Deny the Plaintiff’s Motion to Dismiss and Motion for Sanction for the following reasons: 1. Relief requested. The defendant moves the court for an order vacating the judgment entered in this action and staying enforcement of the writ of restitution until the motion can be heard. 2. Statement of facts and issues. This motion is based on the following grounds: Defendant wasn’t properly served. Defendant rests upon her constitutional right of due process. Dated: __________ ______________________________ Defendant(s) (Signature) Defendant(s) Name (Print) Address Telephone Number DECLARATION I, Imabird, declare as follows: 1. I am the defendant in this unlawful detainer action. 2. I request that the judgment entered in this action be vacated for the following reasons: The collection agency could not verify the debt with credit reporting agencies, therefore never giving any proof that the debt is mine under the FDCPA. I certify under penalty of perjury under the laws of the state of Ohio that the foregoing statement is true. Signed in ______________, Ohio on ___________. __________________________________ Imabird

Has anyone used Regional Acceptance auto financing? What CRA do they pull? Are they worth a darn?

Thanks! That's a great link!

Well, it's Sears showing a balance and LVNV (yea!) also showing a balance ($1 more than original balance...) ...so I suppose WTC is right...

Thanks for all the advice! It is illegal for a landlord in Ohio to keep your deposit unless they give you an itemized list of damages within 30 days. That didn't happen. In fact, they kept the deposit in place of rent, which is also illegal in Ohio... ...thanks again!

For example, does a collection worth $5,000 knock more points off of your credit score than a $1,000 collection? Is it all relative?

I have a charge-off that has been sold to a CA that is showing a balance with the OC. Is this right? The other charge-offs on my CR show a balance of $0.

Will dispute... thanks for the advice!

In August 2005, I emailed my then landlord/property manager a notice that I was moving in 30 days at the end of my lease. She wrote me back and said that's fine, but I stilled owed rent for July. I wrote back and told her that I don't owe it, and I have the money order reciept to prove it. She sent me her "ledger" that showed that I didn't pay. I told her that I don't care what her ledger says, and that I could just as easily make up a ledger that shows that she owes me a million dollars. I then asked her why she didn't bother to tell me I was late until over a month later. I never got a response. So I requested a copy of the money order from Wester Union, which was purchased on July 1, 2005, and had been signed and cashed by Towne Properties. I then had my attorney send it to her. Still no response. She finally sent an email stating that they were keeping the deposit for the rent (which, I know now, is illegal in Ohio), and that they would let us know if we owed for damages. Let me tell you, we left that apartment spotless. When I moved, I didn't hear anything from them. Ever. Then one day, I received a letter from a CA stating that I owed $1,800! The rent was only $895! Needless to say, it's on my CR. WHERE DO I START?!

Wow... so it doesn't matter that they totally ignored a timely DV request?

I have a debt that has been purchased by more than one JDB over the past few years. I've DV'd the current JDB's... but how do I get a removal of the tradelines from JDB's who have owned the debt between the OC and the current JDB?

I sent a timely DV to Asset Acceptance on Jan 30. The deadline was yesterday, and they haven't validated. How long do they have to remove the tradeline?

Thanks for the help!

I sent online disputes to all (3) CRAs. Equifax is now listing a trade-line in dispute that I did not dispute! Is that normal! On top of it, I disputed a late payment on an old Chase/Circuit City card, and the otherwise clean TL completely disappeared instead!!! Oy vei... why can't they just do what I ask...?

So we're bad people for wanting to heal our credit and move forward in life? It almost makes us sound like criminals! How can they group us with people who use white-out correction fluid to change their credit scores?!

Sneaky bastards...