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Seadragon last won the day on March 6 2018

Seadragon had the most liked content!

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About Seadragon

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    Credit Suit Survivor


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    Learning the law
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    gold mining
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  1. A good friend filed a Demurrer that cited the publicly posted terms contains an arbitration agreement and they dismissed. I will ask if they want to post a sample but, I believe this is a new way to win in California.
  2. True. Why would JAMS give the parties a discount for using their forum if anything the private arbiters are gonna raise all the money they can
  3. He did what was right for his situation. A reminder that sometimes it is better to respond a little earlier.
  4. Seadragon

    Falsified Credit Card Statement

    Yes because some of the posters here never had an account with the OC but were sued anyways that is what the topic is about. How debt collectors in their avoidance of paying for documents inevitably may be stealing money from innocent people. So even if it happens only one time it still makes them criminals. So I am saying it has happened in the past and debt collection firms may be purchasing fake accounts. It is not like Wells Fargo or BOA never made up fake accounts right? So being cynical and saying it hasn't or doesn't happen is in effect condoning the behavior.
  5. Seadragon

    Falsified Credit Card Statement

    I am cynical when it comes to Debt buyers, but How would one prove it is a fake billing statement? It is all in the barcodes on the statements. I am gonna review statements from past case that were posted here and scan the barcodes which will tell if the debt buyers are using templates or each is unique. That would be a good investigation. I will Start with the ones from my case which are fake( I know 100% that they are) and go from there. I think that would be a good indicator whether the topic under discussion would bear some fruit.
  6. Seadragon

    I did it! BK7 Filed today!

    I would stay away from CC's for awhile, I did a long time ago and found life a lot easier without them. There are better ways to rebuild credit. I am not an expert on POST BK Credit rebuilding but Know that sometimes if you have money in the bank at credit unions they may structure a loan secured by your own money and that you basically make payments which are returned to you. Once the stress of BK wears off it is hard to want to go through that again.
  7. Wow arrow straight to the heart of the problem. Is Experian now riding the razers edge on disputes? Or are they using the credit monitoring to vet tradelines now. So if it pops up on credit monitoring and you allow it then later dispute it, do they just automatically refuse to investigate?
  8. Seadragon

    Falsified Credit Card Statement

    How can you do that if judges just gloss over evidence. and how would we be able to know since the removal of court reporters from the courts. It matters not nowadays. Just don't have credit cards I haven't had any in 15 years and I am happier for it. So I have time to help people at the task at hand which is helping them when they are sued out of the blue. And I am glad to see that you agree it is so simple for the Debt collection industry to manufacture billing statements, we all know they have the necessary tools at their disposal so why wouldn't they do it? There is a big financial incentive for them to make their own billing statements, they would have to otherwise pay more for than the original purchase of account information. You see that is the reason that they really do it. But I will search and get back to you. I bet if we look into the CFPB cases we could find some of these or maybe state AG actions. "If you can imagine it happening it most likely already is." Seadragon
  9. Seadragon

    Falsified Credit Card Statement and others that have similarities.
  10. Seadragon

    LVNV vs Me moving to arb

    Just rtemember don't dismiss the JAMS claim until you have the dismissal signed by the plaintiffs officer- manager in hand. If you dismiss before that they could say that you dismissed JAAMS during negotiations to the courts jurisdiction. For the naysayers this has happened in the past.
  11. pm a copy of the trial brief pretty please.
  12. Seadragon

    Letter of intent to file suit

    did the case number start with SC or LC? If they filed a summons but have not served you, Mail the Bill of Particulars CMRRR to them at the address listed. This will force them to get what they have to you AND the Bill of Particulars is not discovery that would stop you from arbitration. If they do not get the response to you on time You can Demurrer without leave to amend. Please do this it will help a lot.
  13. was prepared for litigation Plus the CCP2015.5 argument are key points California-Trial-Objections.doc NEW REDACTED TRIAL BRIEF 060313.doc REDACTED QUESTIONS FOR PLAINTIFF'S WITNESS(ES).docx California-Trial-Hearsay-Exceptions.doc
  14. Seadragon

    Letter of intent to file suit

    Did the court case say small claims court or did it say Limited Civil? If Limited civil you could compel arbitration. regardless you have to answer the suit when it is served. get your stuff ready before that don't wait file a Bill of Particulars on them. Seadragon copy of Calawyers famous Bill of Particulars.doc Be very precise and send the BOP Certified Mail Return receipt requested