nobk4me

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Everything posted by nobk4me

  1. Yes, those are examples. Maybe @fisthardcheese has more suggestions.
  2. Most likely these are scams. Threatening jail for not paying a debt is a typical scam tactic. The use of different email addresses is as well. A legitimate collection law firm probably wouldn't use a gmail account.
  3. I am guessing the judge dismissed the case because he wanted to wash his hands of it. Sometimes judges do unexpected things. This one was in your favor. You might respond to their settlement offer like this: more or less mutual dismissal with prejudice. You won't file in arb and they won't sue you again or sell the debt.
  4. About the jobs on credit reports: sometimes an old employer, where you don't work anymore, will be on the reports for years. I'm convinced employment is the main thing they look for, as it means wages to garnish. So I would advise reviewing your credit reports and removing anything that isn't current and correct. Since you're now unemployed due to Covid I would declare your job status to be unemployed on the reports. All I can suggest is keep going in arb and try to run up their costs. Maybe at some point someone will come to their senses. I know, at first we all said arb was a sure way to beat them. This usually doesn't happen.
  5. So they paid $4200 so far to collect a $6800 debt. Not making sense. Usually they fold, cut their losses and move on to easier prey. Do they know they can't recover arb fees from you? Is there any reason for them to come after you like this? Anything on your credit reports, like a high paying job?
  6. I am surprised the JDB paid this. How much is the debt, in round, ballpark figures? Usually JDBs fold rather than pay arb fees.
  7. I assume this is a JDB? Who is the OC? If arbitration is available, that is the best way to beat a JDB.
  8. I don't get why anyone who is at all worried about germs would choose a career in health care. The car accident victim could be infected with HIV, Hep C, or who knows what. And the ER docs are drenched in their blood. I think they are the ones being selfish, insisting that everyone else suffer because they suddenly realize they could catch a fatal disease. When it should have been obvious up front that this risk goes with the territory of working in the medical field.
  9. Re the hero worship of docs: this is being exploited by the gov. Here in Ohio there is a daily press briefing by the governor and the health director. The health director wears a white doctor's coat. While she is an MD, her job in state government does not involve treating patients. It is an administrative position. The white coat is a theater prop, to reinforce her authority.
  10. The virus is real. But I suspect the risks are being exaggerated. This isn't the new bubonic plague. Yes, there are vulnerable populations. So isolating them would be the logical course to take. Instead entire economies are being destroyed with these unprecedented lockdowns. Worldwide about 1.5 million people die of TB every year. But we don't shut down the economy and make people hide in their houses because they might get TB. It makes me wonder if there is another agenda here. For some contrarian views I would recommend lewrockwell.com
  11. I agree. I wish people would wake up and fight this. There are some protests starting. But most people are too compliant. Too scared by the propaganda into believing Covid will kill everyone. Or too afraid of the cops to defy these orders. The media is parroting the gov party line without question. Those who are critical are being deplatformed as purveyors of fake news. I wish I could be hopeful . . . but I'm not seeing hope.
  12. It's disgusting. We had an economy that worked, not perfectly, but it functioned. Now millions have been thrown into instant poverty. It's like the old Soviet Union, where people stood in lines to get into stores, and when they finally got in half the shelves were empty. What is really obscene is hungry folks are lining up at food banks while farmers are dumping milk and destroying crops and livestock. All this destruction to "stop" a virus that will not kill young healthy people, who are suffering the most from the government edicts.
  13. It was from an out of state law firm CA. They said no attorney has reviewed the case. They gave the names and phone No's for the collectors should I choose to call them. Very standard language, no violations in the first letter.
  14. Yes, I have proof. The BFE defense is what worries me, especially in the Covid crisis. What it looks like happened is they changed their internal filing number system and this one fell thru the cracks. But, aren't they the professionals who shouldn't let this happen?
  15. I got a dunning letter from a CA in early April. Usual verbiage, I had 30 days to dispute. Which I did. They got my DV letter in mid-April. They did not respond. In early May I got another dunning letter from the same CA for the same debt, same amount, almost the same wording as the first letter, but with a different file number (the CA's internal reference number). This letter also said I had 30 days to dispute the debt. Did they violate? Ordinarily I would say yes, but I wonder if a court would cut them slack because of the Covid craziness. Should I send a second DV letter in response to their second letter? Would it hurt me to do so? Would it hurt me not to send it? I appreciate any advice. I haven't run into this before.
  16. You need to research the arbitrators. You want someone who is pro-consumer. A background in Legal Aid, public interest law, etc. Avoid someone who is pro-business, background in banking, creditors' rights, etc.
  17. Agree with Clydesmom. You don't want the JDB to keep doing this. I suspect your bank will hit you with a fee, which could be $100 or more, just for responding to the bank levy.
  18. How old are these debts? What kind of creditors? OCs or JDBs? Are they being aggressive in trying to collect? I am not a fan of cleaning up credit while the debts are within the SOL for lawsuits. What often happens is you poke a sleeping bear and it attacks and devours you. I am a believer in waiting out the 7 years for it to drop off the credit reports. You default on debts, it's not unreasonable to suffer some adverse consequences. I wish this is all a creditor could do. Also consider that we are on the verge of another Great Depression thanks to Covid and the government reaction to it. Rather than paying old creditors, save your money. You might need it to buy food.
  19. Probably too late now, but why did you do this? I would have let sleeping dogs lie. It's possible this could have laid dormant until the SOL passed. If your state has a borrowing statute, the SOL may have already passed. Discover uses Delaware law, where the SOL is 3 years. It's possible you restarted the SOL by talking to them. All I can suggest now is don't pay them anything until you get a settlement agreement in writing, that your payment completely settles the entire debt. I would suggest getting an attorney to review the agreement. Maybe Legal Aid could help? Also, watch out for a 1099-C for the remainder of debt, meaning it's taxable income. My advice to others with older debts like this is do not contact creditors if they are ignoring you.
  20. Far more afraid of the government and its overreaction, and resulting economic devastation, than of the virus. Poverty, stress and despair can and will kill people too. This will be another Great Depression, thanks to the government.
  21. Yes, already seeing that. Under Ohio's stay at home order, collection agencies are considered essential business.
  22. By consumer protection laws, I did not just mean at the federal level. In Ohio, probably in response to the 2008 recession, the SOL was shortened for written contracts. The BK/judgment exemptions were raised to bring the state into the 21st century (from the 19th). And the Ohio Supreme Court put teeth into the borrowing statute. When everyone is feeling the pain, there is political will to relieve it.
  23. I wonder if this will benefit debtors. Maybe safety in numbers? More consumer protection laws?
  24. Something to remember: if things get hairy and you need bankruptcy protection, you can always file it then. It's not something that has to be done right now.