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deltadawn last won the day on July 13 2009

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  1. it looks as though dr wahls website states that they are recruiting student studies - i don't know if it will be a conflict with your ms spe******t
  2. prayers are with you - came across this article and thought I would pass it on ///// this woman is from iowa,2933,551281,00.html
  3. you are entitled to a free credit report once a year from each of the CRA' can obtain a report at
  4. It appears that Midland does not have the evidence needed to continue. Congrats on that. Should you decide to sign the paperwork, Midland can either sue at a later date or sell the paperwork to another JDB and if it is on your CR - they do not have to delete it. I don't know what your objectives would be to have your day in court. Did you countersue? Is there a chance you would receive monetary compensation? if not......I would advise them that you want 1. Dismissal with prejudice 2. Will not sell debt to another JDB 3. All credit references on CR deleted with the stipulation that they do not add it at a later date 4. Documents signed by the Judge
  5. congratulations as you experience the love & joy of your grandchild. Who,me? $5.37. That's what the kid behind the counter at Taco Bueno said to me. I dug into my pocket and pulled out some lint and two dimes and something that used to be a Jolly Rancher. Having already handed the kid a five-spot, I started to head back out to the truck to grab some change when the kid with the Emo hairdo said the harshest thing anyone has ever said to me. He said, "It's OK. I'll just give you the senior citizen discount." I turned to see who he was talking to and then heard the sound of change hitting the counter in front of me. "Only $4.68" he said cheerfully. I stood there stupefied. I am 48, not even 50 yet a mere child! Senior citizen? I took my burrito and walked out to the truck wondering what was wrong with Emo. Was he blind? As I sat in the truck, my blood began to boil. Old? Me? I'll show him, I thought. I opened the door and headed back inside. I strode to the counter, and there he was waiting with a smile. Before I could say a word, he held up something and jingled it in front of me, like I could be that easily distracted! What am I now? A toddler? "Dude! Can't get too far without your car keys, eh?" I stared with utter disdain at the keys. I began to rationalize in my mind. "Leaving keys behind hardly makes a man elderly! It could happen to anyone!" I turned and headed back to the truck. I slipped the key into the ignition, but it wouldn't turn. What now? I checked my keys and tried another. Still nothing. That's when I noticed the purple beads hanging from my rearview mirror. I had no purple beads hanging from my rearview mirror. Then, a few other objects came into focus. The car seat in the back seat. Happy Meal toys spread all over the floorboard. A partially eaten doughnut on the dashboard. Faster than you can say ginkgo biloba, I flew out of the alien vehicle. Moments later I was speeding out of the parking lot, relieved to finally be leaving this nightmarish stop in my life. That is when I felt it, deep in the bowels of my stomach: hunger! My stomach growled and churned, and I reached to grab my burrito, only it was nowhere to be found. I swung the truck around, gathered my courage, and strode back into the restaurant one final time. There Emo stood, draped in youth and black nail polish. AllI could think was, "What is the world coming to?" All I could say was, "Did I leave my food and drink in here?" At this point I was ready to ask a Boy Scout to help me back to my vehicle, and then go straight home and apply for Social Security benefits. Emo had no clue. I walked back out to the truck, and suddenly a young lad came up and tugged on my jeans to get my attention. He was holding up a drink and a bag. His mother explained, "I think you left this in my truck by mistake." I took the food and drink from the little boy and sheepishly apologized. She offered these kind words: "It's OK. My grandfather does stuff like this all the time." All of this is to explain how I got a ticket doing 85 in a 40. Yes, I was racing some punk kid in a Toyota Prius. And no, I told the officer, I'm not too old to be driving this fast. As I walked in the front door, my wife met me halfway down the hall. I handed her a bag of cold food and a $300 speeding ticket. I promptly sat in my rocking chair and covered up my legs with a blanky. The good news was I had successfully found my way home.
  6. u can obtain your free TU credit report once a year from if u have already received your free report - u can specify TU report at FICO standard offers this option
  7. Well, its not a ruling in my favor, the plaintiff dismissed with prejudice. How should I go about it? Should I dispute verbally and tell them i have the court forms? It appears to me that if you have the signed dismissal by the judge - it shows that the plaintiff was unable to prove their claim; therefore the TL is being reported inaccurately. Dispute the TL with the CRA's & offer the documentation if required.
  8. You might want to read through this thread - it may give you an idea on where to start organizing a plan of action.
  9. I received a bill from a company back in August 2005 for about $500..........Apparently, in California, the Statute of Limitation for written contracts and open-ended contracts is 4 years. So, I believe the Statute of Limitation on this matter will run out in about a month or so You state that you received a bill in Aug 05 and offered a settlement. That leads me to believe that the debt was in default at that time; therefore the SOL may be up. Look at your EQ credit report - it will show the DOFD and will give you an option on how to procede.
  10. To my disappointment, I discovered through my annual credit report that this had not been resolved. My former employer did pay what was suppose to be paid; however, the doctor did not adjust the bill for the contracted rate. After speaking with the CA (doctor will not return call) they said that since this was payed by my employer and not the insurance plan, I did not qualify for the contracted rate. Such bull.............They finally agreed to show a zero balance (followed up and the account does show zero). and that it will stay on CR for the full 7 years; however, they will not report paid less than agreed. Of course I will be verifying this once they have had an opportunity to report. Although I did not get the acct deleted from my CR, I guess that I was lucky. I would never thought to file an appeal, Lesson learned - Do not depend on medical facility to file a claim correctly and always follow through will any disputes.
  11. First of all take a deep breath....with the help of those on this forum, you'll be able to work this through. What type of debt is this - credit card, medical, installment loan? What does your credit report show as the date of last activity or the date of first default? (easier to find on your EQ report)
  12. This might get you started: Post 20 Here is another Request for Production of Documents: PRODUCTION OF DOCUMENTS From Defendant to Plaintiff Good luck
  13. The Wooden Bowl A frail old man went to live with his son, daughter-in-law, and four-year-old grandson. The old man's hands trembled, his eyesight was blurred, and his step faltered The family ate together at the table. But the elderly grandfather's shaky hands and failing sight made eating difficult. Peas rolled off his spoon onto the floor. When he grasped the glass, milk spilled on the tablecloth. The son and daughter-in-law became irritated with the mess. 'We must do something about father,' said the son. 'I've had enough of his spilled milk, noisy eating, and food on the floor.' So the husband and wife set a small table in the corner. There, Grandfather ate alone while the rest of the family enjoyed dinner. Since Grandfather had broken a dish or two, his food was served in a wooden bowl. When the family glanced in Grandfather's direction, sometimes he had a tear in his eye as he sat alone. Still, the only words the couple had for him were sharp admonitions when he dropped a fork or spilled food. The four-year-old watched it all in silence. One evening before supper, the father noticed his son playing with wood scraps on the floor. He asked the child sweetly, 'What are you making?' Just as sweetly, the boy responded, 'Oh, I am making a little bowl for you and Mama to eat your food in when I grow up. ' The four-year-old smiled and went back to work. The words so struck the parents so that they were speechless. Then tears started to stream down their cheeks. Though no word was spoken, both knew what must be done. That evening the husband took Grandfather's hand and gently led him back to the family table. For the remainder of his days he ate every meal with the family. And for some reason, neither husband nor wife seemed to care any longer when a fork was dropped, milk spilled, or the tablecloth soiled. On a positive note, I've learned that, no matter what happens, how bad it seems today, life does go on, and it will be better tomorrow. I guess you know how I voted..
  14. EQ is the CRA which shows DOFD. Status: Collection account. $1,003 past due Status Details: This account is scheduled to as of Jun 2009. continue on record until Dec 2013. You would subtract the 7.5 years from Dec 2003 to determine your DOFD.