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Everything posted by ditaloca

  1. ditaloca


    I wonder how the Uni Bomber feels about all this new 'security'
  2. YOU mediate... if you can't agree you'll go to trial... mediation can be good to see what the other sides case is and then build your defense...good mediators dont give away their entire hand though.... something you should keep in mind....
  3. looks like youve done a lot of work! Midland does have a lic to collect in az as does bursey and assoc. last time I checked though The address that midland has listed with their lic. was incorrect and a vacant building, this isnt allowed per az law the addy needs to be accurate within 10 days of any move you may want to check into it.
  4. You should hire an attorney. It is your best bet. You should know if you have any credit cards that you defaulted on and that got canceled with you still owing people money. You need to get a copy of your credit report. I think since this is due in such a small amount of time and you are new to the game hiring a lawyer would be your best bet. In the meantime you need to do as I suggested and read the forums here about federal debt collection law and then go google Arizona Revised Statutes.
  5. P.S. Do some research do you owe people money? Have you defaulted on a past credit card? Midland buys old debt.
  6. Is this debt time barred? When did this debt become incurred? You need to study up on debt laws in A ARS statutes and court cases regarding debt collections. I had midland come after my husband for a debt he didn't owe, we got a settlement check from Midland. They are junk debt buyers and are the worst of the worst! You need to respond immediately though and show up to court!
  7. To see the saga please read the old posts. We agreed to a confidentiality clause for the amount, but EACH COMPANY ended up paying, sort of. Midland settled and made Bursey and Associates pay for the claim against them. So in the end we got our home, we got our credit report corrected including the erroneous TL removed and we got a very nice check from Bursey and Associates. All I can say is sometimes the little guy does win and if you are willing to stand up for yourself in the end it is worth it. Anyone dealing with any JDB or variation there of does themselves a great disservice if they don't know their rights and assert and enforce them.
  8. Also filing suit in wrong court could hurt your case, this issue likely needs a lawyer.
  9. Contract law always seems as if it should be cut and dry and yet it never is. Personally I wouldn't have allowed him to buy me out for only the amount I originally paid into the company. No way. If you are turning a profit then that's because of your money as well. Also without knowing explicit terms of contract its hard to give you advice. Best bet is to get a forensic accountant, and a consult from a commercial contract litigator. To make a charge of fraud you want to have grounds to do so. Then have proof. Then file a complaint to proper authority, which differs in states.
  10. I am frightened of twilight, as I have 2 nieces, ages 8 and 10, I am very aware of the failure of the US school system. These girls are not only boy crazy, they are either warewolf or bat crazy. Obviously bestiality and its inherant 'wrongness' needs to be re emphasized during biology, sex ed, civics or whatever class it can be. Secondly they seem to hold onto the idea that vampires or warewolves may actually exist. Finally they also believe that potential vampires and warewolves would come in the form of 'hot 20 somethings' listen Strokers Dracula at least painted a more likely picture vampires are allergic to sun, sleep in dirt, and are aproximately as old as that dirt. And in these times a vampire would most likely look something like a homeless senior citizen. Team edward and some other team are duking it out in the hearts of teeny boppers and tweens and all I can think is wth.... listen we need some intervention asap. Also tried to watch movie, kept making me puke a little into my mouth so I stopped... Vampires frolicking in the sun is like jaws tanning on the beach....beligerent and ridic.
  11. True, I love chocolate (real chocolate) and prefer my gold in the form of jewelry not coins. TNP is giving out I.O.U.s for christmas gifts.
  12. Why bother. Go ahead a just file suit. Listen its not your job to force them to follow the law. It is however, your right to sue them if they don't. ITS letters are a dime a dozen. The next 'letter' they receive from you should be a summons in federal court.
  13. Frontline on PBS did a follow up on Neda.... http://www.pbs.org/wgbh/pages/frontline/tehranbureau/deathintehran/view/ You know its heartbreaking that the people who felt it their duty to be honest and moral are in turn banished under threat of death (or worse) for being and doing the very things the islamic law says they should be and do. I greatly respect those that in the face of personal dangers they resolve to make a stand... The message can sometimes take over the truth, and more than a cause or a martyr Neda was a daughter, sister, friend, companion and student. There's something very wrong with taking away those who lost her, their right to grieve, their right to remember and honor her, and to silence the voices of those who truely knew her.
  14. I don't know your feelings but you may want to talk with a naturalist or homothopist (sp) they usually can tell you best combo, times and diets to go with vitimans and such. Maybe a way to get the effect of vitamin d to last a little longer? As for the car and legs. I don't blame you its amazing how tiring being sick can be, and noone realizes getting better (or just not getting worse) is often more than a fulltime job. Maybe a forum or blog of others with MS could help with the search of proper car....or a trick or tip so the dw doesn't have to do the slip and slide to help.
  15. Alternative therapies are really interesting. Some of course are hocus pocus, but some seem sound. I think its awesome your PCP is open to that and even more awesome that he oversees it. I've had pcps tell me if your gonna do that stuff, fine, but I don't wanna know about it unless its contradictory to my treatment. Sounds like you've got a good pcp. I've tried all kinds of natural therapies and alternative healing tech.s ... so if you wanna exchange some fun stories I can tell you about .... Copper blood cleansing. Bee venom...and bee propolis Magnetic reasonance Ect ect ect...... Fun stuff. I think the best ever was in sedona az and the vortex and a 'healing journey' Whatever I had gotten dehydrated and was hot and tired, this hippido hippy is trying to convince me that I'm getting better and that the weakness is healing...wth.... Finally he puts a rock in one of my hands and a leafy stick in the other...has me hold my arms straight out at my sides. He then 'evenly' pushes down on my arms and I'm supposed to resist my arms being pushed down, of course one of my arms is weaker and gets pushed down easier than the other. But hippydo starts in with oh you are very dehydrated see how the arm that went down first held the rock? Well that's be cause the tree/leafs wet life force was actually nourishing my body...omg so lame.... I was 15 or 16 and knew this was lame. I've never needed a rock or a tree to know I'm dehydrated, usually my plethora of sweat and dry mouth are pretty good indicators... if those fail, usually I get thirsty ....hmmm I dunno. Sounds like pt is going very well....walking for twenty mins is better than not at all.... every minute helps the muscle from atrophy or loss of neuro connections....very promising. Maybe check out amino acids, htp5, sam-e, omega acids, these are reportedly good for keeping neuro pathways functioning and 'lubed' and allows brain to increase functions. Of course it could be a rock in the hand....but maybe worth a try?
  16. Husband going thru same. Cpap still sucks as he has somehow managed to learn to snore while wearing the mask. Ugh nothing to wake you up like a husband doing a darth vader snoring solo so loud the dogs are hiding out in the closet. Also he likes the pull the hose out of the mask and fling it so you are woken up to a quick blast of air to yr face or whatever. Or a dog barking at the hose ( I don't blame them). Cpap machine has been bane of my sleep for almost a year, we are currently jumping thru hoops to get surgeries (y)
  17. Scarier to me is when I called department of real estate and dept of fin. Both of which we talked to to file complaint had horror stories galore. Thankfully dofaz was able to navigate me to to several court cases regarding what title co can do. And we found out that this title company has class action in ca and is being investigated in az and co. Thank you for advice. I apperciate it. When I talk to them it somehow suspends my normal brain function. I've been told by 4 people at title company have told me since homeowners ins. Sent incorrect instructions and returned the check they legally had to return money to gmac. That they did all they could. And insist we have to go after gmac and insurance co. And title co. Has no liability because they followed the law and did what they were supposed to do. So I'm losing my mind. This is worse than dealing with midland.
  18. One last question Title company is now blaming homeowners insurance, and vice versa, we have repeatedly asked both parties to talk to one another, we are facing refusals, any way to compel them to work this out?
  19. I was under the impression that a escrow officer could only place the money where the escrow instructions allowed. That no money could be dispursed without written consent of all parties involved. We were never notified that they were sending the money back to seller. I also thought if there was an issue as to where money should go the escrow agent needed to place money in neutral escrow account until they received instructions on where it was to go. Am I wrong?
  20. Ok so I don't even know how this is possible, I am hopind a escrow officer or title agent can help! A week ago we were contacted by our insurance company, the home ins. Hadn't been paid, they were going to cancel, we can't figure it out because that was to be paid per our hud1 by the seller to the ins. Company. Many calls later we find out conflicting info. Title company says, home insurance company sent wrong info and returned check, which we said yeah the first check you sent was with wrong policy number. And we told you that. Now the insurance company says they sent paperwork with correct info as well, title company says they didn't. Apparently they never talked to one another.... Here's where it gets weird, title company sent money back to seller, gmac, and refuses to work with insurance company. They claim they had to return it to seller because we said we were insured, which we were, technically. We weren't informed that insurance company didn't follow up. Nor were we notified before stewart title sent money back to seller (they claim they asked gmac to return the money but gmac refused) All we know is that on our hud1 it says seller was to pay insurance, that didn't happen. Can an escrow officer return money to seller without notifying us? It doesn't seem right. We don't know what to do.
  21. Kitty, you do realize that its a survey that was given to children... and then the answers the children gave? Obviously these children are not getting married for another 8 to 10 years. Or until knocked up....<wink>
  22. Yeah but buying a new wife that will swivel and lower you to the ground is very hard to come by. Insurance and related advocacy groups often get people discounts...!!! Might be worth asking especially since this mobility allows you to work. .. state run rehab. And vocational services will often help too. Either way I say get flames painted on the side, there's nothing more confusing or scary than a Chrysler with flames and a handicap license placard. .. maybe a novelty horn that howls like a wolf? (The overall statement lends to the I've got nothing to lose, and imagine the wifeys face when she sees it, priceless)
  23. Of course when dealing with calls from india are international calls, and 800 numbers are hard to tell sometimes. Of course a disclosure of recording for a layman is very lax, and a simple joke of " I'm recording this call for quality control, as I don't think I've had good quality recently and a laugh" is in fact a disclosure. The person on the other end has the choice to hang up if they don't it is implied consent in most cases.
  24. It might be time to contact your states attorney general, and whoever regulates these people in your state. Definately ask about the letter sent to you the the licensing board for yr state!
  25. Hand controls can be added after market on almost any vehicle. When my mom used to work in healthcare aid people were fond of trucks that had "van conversions" these trucks have big doors and roomy seats and lots of equipment can go in the bed of the truck. These conversions put the truck 2 inches off the ground and allow seatins to swivle and manuever. I don't know that a truck 2 inches off the ground is really a truck though. Gas mpg very very bad. Expense is moderate. We knew a guy who had one and the seat rotates and sorta moves almost out of the door (edge of door frame, he'd sit and then unlock the swivel and turn it so it was facing the front of truck not the door anymore and it sorta lined up inside. He had tied a rope to the door handle so he could close the door and off he'd go. He said without rope it was a two man job. (Door is huge and opens really wide) He didn't use a walker but a cane (the kind that is like a tree trunk and has four feet with rubber ends at bottom. His conversion was done on a dodge truck.
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