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About maddie6

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  1. Hi, I fell behind in court ordered payments to a collection agency. I called this collection agency to see if I could pay all I owe them now at this point in time to bring the account current, only to find that since the last time I had paid this collection agency, they had transferred my account to another collection agency! I have not received any notification that this transfer had taken place. I have not received any late notices on payments, nothing regarding this matter from this current collection agency holding this debt. This has been since 10 months ago. What do I do now? What can I do at this point in time?
  2. Hi (Happy New Year!) I have been living in California for 37 years. I did have a very rough patch 4 years ago with creditors, which I am starting to work my way out of that he**hole (Thank God!). I received this collection notice today from a Canadian collection agency today. The thing is that I had never, ever been to Canada in my whole life. This company, Four Star Capital Services, says that they had bought this debt from one of my former creditors. In the letter, they name a creditor who held this account. They give an account number, which has no remote correlation to any account number I had ever had with such company. They give a balance, which doesn't mean much to me either. Without knowing what the original account number was in relation to my former original credit account, I have no idea what these people are writing about. Within the past year, the accounts I have had problems with have been subject to the SOL in California. I had been in consult with a lawyer out here. He had told me that the SOL in California is 4 years. After 4 years, that's it for being pursued by the CAs. There was just one account that is troubling me. I am wondering if this may be it, but I cannot tell without more information. How should I treat this collection letter from Canada? Should I send them a standard verification letter ASAP, like the way I would with other CA's? Is this legal-what they are doing-being that I am here in California, not Canada? Do you think they had gotten their CA's (California or Canada?) mixed up? I have enclosed a copy of the letter. Thank you for your time and attention to my message. Sincerely, Maddie6
  3. Dear fightthemdontfold, Thank you for your response. This debt was with at least two CA's in the past 2 1/4 years. This "law firm" is out of state in NY. They are a law firm out there, specializing in collecting medical debt. They seemed to have recently gotten into consumer debt, at least from what I have read about them online. They do mention who their "client" is. I researched who is their "client", but could not find anything online. All I'd seen was this mysterious webpage with the "client's" name on it, with a phone number identifying the area code (516), and the phone number is in all zeros. The webpage is literally a blank page. This does not tell me a thing as to who the owner of this debt is. I looked up the area code, and this is the same area code in which this "law firm" is assigned to regionally, which makes me think that they are the "client". (You think it could be them?) I am scared right now. This is only because of an issue that I had dealt with last year. Just like you, I was served a summons, but it was with a law firm that also does collections out here in this state, not from an out of state firm, like you said. I feel for you by way of the phone calls...ugh. I'd looked up all of their names. They are not listed with the bar in the state I live in. But, like you said, it doesn't mean that they won't hire someone out here to sue. fightthemdontfold, given what I'd written about who they were claiming who the current owner of the debt is, how do I truly find out who is the current owner of this debt? Again, thank you for your response.
  4. Hi! I had posted earlier today concerning my situation. I would like to know how tell if a law firm is contacting you concerning your debt and not a collection agency posing as a law firm? Thank you for your time.
  5. Hi! I had just received a validation letter today from this law firm/collection agency called Baker, Sanders, Barshay, Grossman, Fass, Muhlstock & Neuwirth. They are verifying this debt that is in possession by their client, whom I have never heard of named Pride Acquisitions LLC. (This debt was Chase's.) I had tried researching Pride Acquisitions LLC, and I only get this highly suspicious webpage that only has the name Pride Acquisitions LLC on it and a phone number with only the area code displayed (516). The phone number is all in zeros! They are telling me that there is no attorney who has personally reviewed the circumstances of my account, but I have been assigned to an agent of theirs to be my account representative in regards to communication in regard to my account. And in a number of significant places on this letter, there is this statement: "This communication is from a debt collector and is an attempt to collect a debt; any information will be used for that purpose. At this time, no attorney with this law firm has personally reviewed the particular circumstance of your account." On the back of the letter is information that is reading like an ad, stating to "use your tax refund towards paying the debt, that for every dollar you pay, the client will match every one of my payments dollar for dollar." There is a 2nd page that is a "double credit" offer form to fax in to their office, providing three ways to pay on the debt by; either mailing the payment in, signing up for automatic withdrawal, or by paying with a credit card. There is a space at the bottom of this form asking you to fill out your name, today's date, your address, home and work numbers, and to provide your signature. And, again, under all of this on this 2nd page is this statement: "This communication is from a debt collector and is an attempt to collect a debt; any information will be used for that purpose. At this time, no attorney with this law firm has personally reviewed the particular circumstance of your account." Does anyone know if these people are debt collectors or is this a law firm? Is this a precursor to being sued over the debt? Please help. Thank you for your time and attention to my message. Sincerely, Maddie 6
  6. Hi! Has anyone heard of Pride Acquisitions LLC? Has anyone heard of Baker, Sanders, Barshay, Grossman, Fass, Mulstock and Neuwirth, LLC? I had received a validation notice today from this Baker, Sanders, Barshay, etc, LLC, and they had stated that their client is Pride Acquisitons LLC. I had tried researching Pride Acquisitions LLC online, and all I've seen is this extremely suspicious website with only the company's name on it's webpage. What I would do next would be to send a validation letter back to them, right? Thank you for your time! Sincerely, Maddie6
  7. Hi! I had this Sears account that I'd stopped paying on in 11/2008 because of losing my job. I had owed $9000 on this account at that time. I have been busy dealing with other overdue accounts that I have had since then. Last week on 1/7/2011, I'd received this settlement letter from this credit agency called Credit Control, LLC. They state that the current creditor on this debt is LVNV Funding, LLC. They state that the original creditor is Sears (my old account). In this letter, they state that they will settle my debt for $541.32. They then state the notification clause of having up to 30 days to dispute the validity of the debt. Today, 1/13/2011, I received another settlement letter from Credit Control, LLC. In this letter, they are telling me to forget about what was stated in the previous letter that I had received on 1/7/2011. Instead, in this current letter, they say they will settle my debt for $5954.47. I don't know what they are doing, this Credit Control, LLC. I am not sure how to approach these two letters. Do I DV them, and to which one of these letters? Of course, the original letter with the smaller settlement amount is more appealing than the more recent letter. I get the impression that someone out there at Credit Control, LLC does not know what one hand or the other is doing. Please help. Thank you for your time in answering my question.
  8. Hello! I had received two notices of conditional settlement from this one same law firm on this debt settlement/stipulation case that I had agreed to. I had thought that once I had agreed to and fullfilled the settlement payments outlined in the stipulation, that this would be it in regard to taking care of this case. I have a number of questions about these two notices. Both of these notices are both pertaining to the same case, but they have different request for dismissal dates on them. One letter even states a trial date. I am confused as to why there were two notices sent out. Anyhow: These notices are both conditional settlements. One notice states: The settlement agreement conditions dismissal of this matter on the satisfactory completion of specified terms that are not to be performed within 45 days of the date of settlement. A request for dismissal will be filed no later than March 15, 2012. This same notice has a trial date set for June 17, 2011, 9:00AM. The other notice states: The settlement agreement conditions dismissal of this matter on the satisfactory completion of specified terms that are not to be performed within 45 days of the date of settlement. A request for dismissal will be filed no later than November 29, 2011. There is no trial date set in this notice. In the stipulation, I have agreed to satisfy the terms set out in this settlement by December 2011. Why have I received two notices of conditional settlement with this case? Why would there be a trial date set in one of these notices? Would I be required to attend this trial? The notice with no trial date was filed in the town I live in. The other with the trial date was filed in a town 20 miles away from where I live. Thank you to everyone involved in this website, and to all involved in the forums on here. Your help has been invaluable. Sincerely, maddie6
  9. Hi! It's been awhile since I'd been here, and I am still dealing with my debt and unemployment issues. This is the latest, of which I need advice with: I had received this letter from Chase concerning one of my credit accounts. Here is the text of the letter: _____________________________________________ Re: Your account ending in XXXX Dear XMX: We have attempted to provide payment solutions to resolve your outstanding debt on your credit card account for an extended period of time. Unfortunately, we have been unable to reach an arrangement with you. As a result, your account will be sold to a debt purchasing company if we cannot make immediate payment arrangements. We would like to agree to payment terms befor this occurs. You can contact ARS National Services, Inc. at (800) 308-9568 by October 26th to work out a suitable monthely payment arrangement. If you prefer, you can discuss a settlement for a percentage of your outstanding balance with the agency to resolve your debt entirely. If your account is sold by Chase: All of your obligations to repay the debt will remain in place, but will transfer to the purchasing company. Chase will no longer have rights to the debt and we will indicate "purchased by another lender" on your credit report. We're running out of time. Please don't hesitate to contact ARS National Services, Inc. at (800) 308-9568 at your earliest convenience to make arrangements that can help resolve your debt. Sincerely, BRV Chase Card Services __________________________________________________________ I had recieved this letter on 10/9/2010. This sounds like this is a routine, "stock" letter, sent to me to attempt to get a settlement going. What is your take on this latest correspondence from Chase? What can happen next? What can I do next in regard to responding to this letter? Thank you for your time! Sincerely, maddie6 P.S.: I have other accounts that have gone to collection agencies. The agency reps call-sometimes they are nasty, sometimes they sound reasonable. But, they all have the same goal of negotiating with me over settling my accounts, and usually for a percentage of the original amount owed.
  10. ARS National Services, Inc. with a 1-800 number: 1-800-308-9568 Thank you everyone for all of the good work on this website!
  11. Thank you for the list, Amerikaner83!
  12. Hi! Thank you everyone for the information and suggestions given on removing my husband's name off of my Wells and Discover accounts. Now, I have another question to ask pertaining to the action being taken on the part of Discover. Discover stated that they have removed his name from "the above referenced account" (my account) as an authorized user. But, after that statement, they also made this statement: "The history on the account will continue to report, however there will be no future reporting." What does this mean? Thank you again for your time and attention to my messages! Sincerely, maddie6
  13. Hi All! Please see my other post concerning this situation in the credit repair-credit bureau forum. Both of the two creditors involved in our situation are removing my husband's name from those two accounts, thank God! All he did was ask them, and they agreed. Now, we are going to submit disputes with the credit bureaus, and monitor them to make sure that his name is cleared from those accounts, and with the reports from the credit bureaus. If anyone knows how long it takes in removing a name from a credit account, and in having it finally show as clear in a credit report, I would appreciate the information. Thank you for your support! Sincerely, Maddie6
  14. Hi RippedOff! Thank you for your response. Alot has happened since I had added my post here on the forum. My husband has since spoken to the two credit card companies, requesting that he be removed from these accounts. They had said that they will remove him from the two accounts. The next thing he will do is enter disputes with the CB's for removal. How long did it take for them to remove the authorized user from your accounts- both at the credit card issuer's, and at the CB's? And, have you or your authorized user been monitoring the CB's to make sure that the authorized user does not receive any repercussions (surprises) from your actions? (We feel like we will have to watch the CB's from here on out. We will watch them anyway, but, since this is concerning my husband, who basically has no credit, we really feel compelled to do so.) Because of the circumstances in my situation, the lawyers I have been consulting with have suggested that I do take out a consolidation loan on my home in my case. This would not be a huge sum of money either. My husband does have the income to afford it. I am working on my end to supply our available cash flow, to help afford anything and everything coming our way right now. There are definitely other avenues we are looking at. The consolidation loan is not the only means we are looking at, but it is one of several. Thank you for your response, RippedOff!
  15. Hi Forum! I will place this here in this forum, as this is related to credit repair. In Jan 2009, my husband and I were trying to obtain a 6-figure refinance home loan for loan consolidation purposes, and home improvement. I was just laid-off from my job in Nov. 2008. We were trying to complete all of the documentation requests from our lender as expediently as as we could. One of the requests was to add my husband onto two of my credit cards so that he would look like he had some sort of credit history, because he has no credit card history. I did just as was asked. I had placed his name on these two cards that I have had for at least 2 decades. He has never, ever used these two cards. His name is only on there. As it turned out, the loan didn't go through because of the home appraisal was too low. I have since been unemployed to this day. Since that time, I have been scared to answer my phone because of the creditors calling. I also now am working on a summons from one of my creditors. I have been consulting a few lawyers as to what to do in my case, and most are suggesting that we try to obtain a home loan to pay everyone off. So... I'd found a mortgage broker who wants to help me. My husband and I are currently trying to obtain a middling 5-figure home loan to use solely for debt consolidation/settling those debts, and to settle with the lawyer representing the creditor who brought up that summons. I had explained to the broker how bad my credit report is now in terms of trying to obtain a loan. The broker said that he would only use my husband's credit report. The mortgage broker suggested that I fax my husband's free credit report from Experian to him. He specifically asked that I only fax Experian to him for now, and not the other two yet. (This happened at the end of the day yesterday.) Well, I accomplished faxing the requested Equifax credit report over. Everything looks great on him there. I then decided to take a look at his other two reports, and I nearly died... The two credit cards that I had where I had added my husband's name to - I hadn't removed them - so now - to my extreme horror, he looks like he's sharing possession of two charged off credit cards!!! As we are working on solving this situation with the summons, and the other debt, this now comes up. This debt is all, totally, 100%, my debt on those two cards. I understand what about community property here in CA. I just don't see how he would be liable for these cards if he had never signed the original contract for them. Even if that debt is considered community property, and he is considered liable, isn't that still different than being liable under the contract? Contractually, I do not see how they have the right to report him on his credit. Contractually speaking, wouldn't he not be liable for that debt and, therefore, he should not have it reported on his credit? Couldn't this reporting, at least, be challenged too? As it turns out, I had told the mortgage broker I was dealing with what had occurred with the other two reports from EquiFax and TransUnion, and he simply said that until my husband gets those reports removed, we can basically forget it with trying to obtain a loan. Thank you for your time and attention to my post! Sincerely, maddie6