irismagnolia

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About irismagnolia

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  1. My mother in-law lives in Tennessee and has been living in the home that she and my late father-in-law purchased over 40 years ago. He ended up using the house as collateral for an installment loan he took out that still has a balance of about 85,000 on it. When he died 7 years ago, my mother-in-law took over paying the installment loan. She's in her 70's and has had some health issues and wants to stay in the house and her daughter wants to buy the house (her daughter lives in the home with her anyway) but they are running into problems getting this done because my mother-in-law's name is o
  2. As I posted in an earlier thread, I live in GA and am being sued by my homeowner's association for unpaid dues in the amount of $3800 which includes court costs, interest and legal fees. I was laid off for 3 1/2 years which caused me to get behind. My court date is at the end of this month. I actually owe $2958 and am willing to try to work out arrangements to pay the $2958 before the court date to avoid going to court. I called the lawyer on the case twice last week, once she was off, the other time she was at lunch, and both times I left messages in her voice m
  3. So, I've left two messages for the attorney saying that I was calling to discuss settling out of court and she has not returned my calls. On yesterday, I sent via certified mail a letter and proposed settlement agreement which she should get by this Friday. We're due to go to court on next Wednesday. If she doesn't call me back by Friday, at that point, should I contact the HOA directly and let them know I'm trying to work out a settlement but their lawyer has been non-responsive?
  4. Thanks for the replies. Another question? Should I hire a lawyer and have them contact the HOA's law firm (causing me to be out of even more money) to make sure all of the I's are dotted and Ts are crossed, or should I contact the HOA's attorney on my own and attempt to negotiate?
  5. I live in GA and am being sued by my homeowner's association for unpaid dues in the amount of $3800 which includes court costs, interest and legal fees. I was laid off for 3 1/2 years which caused me to get behind. My court date is at the end of this month. I actually owe $2958 and am willing to try to work out arrangements to pay the $2958 before the court date to avoid going to court. I was wondering if I should contact the attorney's office and offer to make a payment (I could give them at least $1500 now) and see if they'd be willing to settle the debt for the $2958 (I could give t
  6. I live in GA and In 2009, I was sued by Capital One for a credit card debt. Using the information on this site, I filed my response denying the charges and sent interrogatories and request for admissions documents to the court and the law firm handling the suit and never heard anything else on the matter. Fast forward a couple of months ago and I get a court date set by the State Court of GA to appear regarding the case and the date is coming up next week. I called the County Clerk's Office and was told by the County Clerk herself that the Judge is bringing both parties into to court to
  7. In February, I was served by a Sheriff's Deputy who presented me with a document from the Magistrate Court of Cobb County GA that said that Midland Funding LLC, Assignee of Citibank, N.A. that stated that they intended to sue me for $3,000 plus $74.50 court costs as of that date and all future costs of the suit. The attorney listed was Dennis Henry of Frederick J. Hanna and Associates, a so-called law firm/junk debt collector that has been discussed on many discussion boards in terms of their questionable collection practices. Because they didn't provide any information in terms of account in
  8. Thanks! I asked them for the information on how they calculated the debt in my request for production of documents and their response was for me to see the monthly statements they included in their response, the final one which is for a lesser amount than what I'm being sued for and doesn't include any information on how the remaining fees and interest are calculated that they are now asking me for.
  9. I answered the summons in my Answer document that I sent to the County Clerk's office along with copies of the Request for Admissions and Request for Production of Documents that I sent to the Law Firm as well. Do I need to call the County Clerk's office in GA and see if a date has been set? I thought that I would be notified by mail.
  10. I live in GA and on May 6, I received a summons that I was being sued by Capital One Bank (listed as plantiff on summons) for unpaid credit card debt that I found out after pulling my credit reports from all three bureaus was already charged off last year. The debt was around 2 years old. No court date was listed on the summons. I had 30 days to respond and made contact with a Consumer Protection Attorney who hasn't been very helpful or responsive so I found what information I could on the internet and mailed by certified return receipt mail my response, a request for production of documents,