singular

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About singular

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    Freaked out!

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    NC
  1. Presently, I have 2 discover-hired-lawyers that are trying to talk to me. They have started negotiating some.. dropping 10%. But it is still more than i can afford. They are also willing to let me pay over 3 months. One of the lawyers i talked to was a jerk. "Call me by tomorrow or you'll have to pay the full amount". I taped his phone-call fortunately. I still don't understand arbitration. I know I have sent Discover arb letters for my 3 accounts. And I have sent letters to the lawyers mentioning I had elected arbitration... but nobody seems to care. They still want money. Do I have any legal options here? I don't see what benefit, if any, my Arbitration Election was.
  2. Presently, I have 2 discover-hired-lawyers that are trying to talk to me. They have started negotiating some.. dropping 10%. But it is still more than i can afford. They are also willing to let me pay over 3 months. One of the lawyers i talked to was a jerk. "Call me by tomorrow or you'll have to pay the full amount". I taped his phone-call fortunately. I still don't understand arbitration. I know I have sent Discover arb letters for my 3 accounts. And I have sent letters to the lawyers mentioning I had elected arbitration... but nobody seems to care. They still want the money. Do I have any options?
  3. So, i called Discover (recorded the call), and asked them if they got my "Arbitration Letters". They said no. But i do have the CMRR receipt saying they did get it. I told them i wanted Arbitration, and he continued to try to talk to me about collecting on the debt. Now, I just got letters from 2 diff lawyers on 2 diff accts with Discover. The letters say that I need to contact them within 30 days if i am disputing the debt. They both say that all further contact about the debt should be through them. And one says that they are authorized to settle for less than the balance. I'm not sure how to proceed. Do I tell them that I've already asked for Arbitration? or do i call them and play nice and try to get a Settlement?
  4. I've gotten my green card back, with proof that they received my letters. So, what should i say when they call now? Did you get my arb letters? Can we settle accounts now? I talked to them last night and they were trying to get me on payments (still), and still threatening to charge off/lawyer. I didn't know what I should say, or how I should bring up the arbitration.. or even what it "really" means. Sad i know. Should I record my phone calls with them? I don't know where to go from here. Please advise!
  5. Sent off my arbitration letters today. Good luck little letters.
  6. Got my 15 posts, if anybody could please PM-direct me to an Arbitration Letter. Sorry, just freaking out a little bit!
  7. singular

    Facebook

    Love it. But i really hate seeing crap like: "So-in-So just saved a baby sea-lion from an oil spill" Who cares????
  8. Wish i knew how to arbitrate with Discover. Dear Discover, I don't have any money.. and i'd like to arbitrate.
  9. better than making ignorant comments on other posts! thanks.
  10. Thanks for this board. It's been a great help and resource to me. A little hard to remember debt-consolidation-credit-repair-service.com but i can find it if i use the right keywords!!
  11. Glad to hear it's working out. I hope to learn more about arbitration soon.