RebelLady

Members
  • Content Count

    499
  • Joined

  • Last visited

  • Days Won

    1

RebelLady last won the day on September 22 2010

RebelLady had the most liked content!

Community Reputation

16 Good

About RebelLady

  • Rank
    500 posts and hasn't been banned yet....

Profile Fields

  • Location
    Where the sun keeps shining...
  1. The only thing that would have made this any sweeter would have been lucky enough to be there in person to see it...lololol RL
  2. Ya gotta see this...talk about sweet justice!! Tables Turn: Deputies and movers show up at bank to seize property for homeowner
  3. Hiya scooter and welcome!! If this were me, I'd be scouring the Internet for the credit card agreement that was in effect when this account went into default. Once I found the agreement, I would immediately read the Arbitration Clause to see exactly how it reads and to get more familiar with my rights according to Chase's own agreement. (Several credit card issuers amended their credit card agreements and modified the arbitration clauses after the first of 2010.) If at all possible, I would NOT go with court ordered and conducted arbitration!! Chase, being an OC, is not subject to the FDCPA but IS subject to the Rosenthal Act. I would definitely get acquainted with it and know exactly what it says and how I can best use it against an OC... Good luck RL
  4. Have you checked Oklahoma's Rules of Civil (or Trial, whatever its called there) Procedures to see if you can file an amended notice of hearing? That's where I would start... RL
  5. CONGRATS, CONGRATS, CONGRATS!!! A dismissal with prejudice would have been great but, HEY...a dismissal is a dismissal is a dismissal...lol!! TAKE YOUR VICTORY LAP!!! xdancex RL
  6. Good catch workingpoor...thanks for the heads up. Typical big bank's strategy...when all else fails...change the agreement. Good grief RL
  7. If you defaulted on this alleged debt in 2007, you want to find a 2007 CC Agreement. CC issuers didn't amend their agreements every year so if you can't find one from 2007, go back to 2006. If you can't find one from 2006, try 2005. DO NOT go to 2008 since, according to them, your alleged account was already in default and you would not have been sent this agreement... Good luck RL
  8. WTG!!!! Job well done and good job sticking to your guns!!!!! xdancex RL
  9. Another one bites the dust...lol CONGRATS! CONGRATS! CONGRATS! xdancex RL
  10. I AM SO PROUD OF YOU!!! You have worked so long and hard and fought the good fight....!! Since your first post, I have directed several Michigan posters to your threads to get information on Michigan law and I'm sure they owe you and all of your research quite a bit... YOU'RE WONDERFUL AND CONGRATS!!! RL xdancex
  11. Wow...judges with brains. I'm impressed!! I have been wondering for quite some time now if simply presenting statements would be sufficient to prove assent to the terms and conditions of the cardholder's agreement. I mean, so someone made a purchase or someone made a payment? How does the Plaintiff or the court know exactly who it was that made that purchase or payment? Shouldn't the Plaintiff be required to at least offer some type of proof of who did it? And how about when statements that show absolutely no debits or credits other than those made by the card issuer itself (service charges, over limit fees, late fees, etc.) but no purchases or payments? Does that then mean the card issuer is liable instead of the Defendant since the card issuer is the only one actually using the card?? Just saying... Thanks Pickles...good find and a nice read!! RL
  12. You need to read your state's Rules of Civil Procedure to find out how to file Discovery and when it should be done. In Small Claims Courts in some states you have to Motion the court for Discovery. In some other states, there's no Discovery at all in Small Claims Court. In some states, you only have a certain amount of time prior to trial to file your Discovery. To be on the safe side, you need to learn what is required in YOUR state. You can then proceed with your Discovery requests to Midland. We really don't have a lot of information about your case but if at all possible, file Discovery and do so according to your state's rules. There are some posts on this site that will give you a good start on what to ask in your RFAs, your Interrogs and what documents you should request. RL
  13. I agree with you, WhoCares1000. I don't think JDBs just use a person's credit report to determine their possible assets. In the past 2 years, I have been fortunate enough to pay cash for a newer car and for a small bank-owned house. Prior to this, I hadn't heard anything from any JDBs about a few 4-5 year old debts of mine. Suddenly, I get a newer car and a house, and within 90 days of closing on the house (about 20 days after I moved into the house), I started getting dunning letters. I even got a claim for arbitration from NAF (before they went belly-up). None of this information should have appeared on my credit report since I was able to pay cash and not apply for credit for the house or the car. So what exactly did trigger this sudden rush of letters? I mean, it was like dominoes falling! One day, I got this claim for arbitration, then just about every week thereafter, I got a new letter from a new JDB. For four or five years, circumstances kept coming up that forced me to have to move about once every 12-14 months. I wasn't deliberately hiding or running away from these debts. I had a part-time job throughout this period and was driving a car that I was finally able to pay off. I was using a pay-as-you-go phone because I couldn't afford a contract on any other phone. These were not attempts to avoid or hide from creditors. They were economic necessities...lol. I've always wondered what triggered the letters...certainly nothing to do with any CRA. But something certainly did... RL
  14. I was once told the same type of thing about a local attorney's office...how they rarely violate and 'do things right.' Not long after that, this same attorney's office filed a suit against me for an account that absolutely wasn't mine... Shows how much attorneys know about other attorneys...lol RL