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Everything posted by TomnTex

  1. The only reason I gave the BK suggestion is if the OP has no job, no money and really was not up to fighting this, then the BK route was the easiest. But yes, their are many other ways to go about this, just depends on the effort they want to expend. Normally, I am up to fighting them tooth and nail and take no prisoners.
  2. re you in county court or district court because of the amount?
  3. Sometimes, mine did. But normally they stay on for seven to seven and a half years before falling off.
  4. NEVER pay a dime on it or promise to do so or you could reset the SOLO and be sued.
  5. Most likely you will get a default judgment against you if your not careful and it may be by sewer service.
  6. Go here and check out all the links on repo: http://whychat.5u.com/
  7. Good links TR, maybe you should post them in the Texas thread. Would be nice to have.
  8. Go here to find the closest NACA attorney for a free consult (normally) http://www.consumeradvocates.org/they can advise you.
  9. Not the way ABC News presented it. They said all collectors can call.
  10. If I heard it right, ABC news reported tonight, that it just went through Congress that, the debt collectors can NOW call your home phone, or cell phone by ROBO calling you. The only thing illegal is if they try and THREANTEN you. We need more research on it, but here it is, be aware.
  11. Sounds like they may have sued you in the wrong venue. You may be able to turn that around for a bit before they re-file in the right county.
  12. Had they dunned you and you then sent them the DV? OR, did you just DV them out of the blue? If so, that was a bad mistake as you woke them up.
  13. Good luck and congrats.
  14. Do not pay them a dime or agree to a settlement. You could restart the SOL. The long it's on your CR the less damage it will do after a couple of years. Only if your buy a house or something major will it hurt you. Mine fell off after seven years, but yes, the can go 7.5.
  15. You should also read the Texas TFC-392 and review it just incase their is anything there that might help you. Everything helps. Stay off the phone with them as they will probably try to call you many times, also they will try to settle now and the day of court. Stand your ground. Many times the day you appear in court they will try and drag you into a small room or out in the hall and show you a bunch of papers claiming that they have all this evidence and that you should settle. Normally a big bluff. Again, stand your ground and they may well dismiss in court before it moves forward. Howdy TR.
  16. Fight the telephonic witness. Make them appear in person. Contact @LawKitty, she is a FL attorney and may be able to advise you. Are you receiving disability, or on SS or anything like that? You need to fill out the form which there is a link to in my sig below so we can know more info. Are you collection proof?
  17. You are a true TEXAN sir. I commend you on your stance, and the way you stated it.
  18. Check with LawKitty, she is a FL attorney. @LawKitty.
  19. Also, read the TX TFC-392 to see if it can help you in any way. Use everything you can get.
  20. You would probably have been past the TX 4 year SOL, but by paying URS until 2013 you blew that.
  21. It's anyone's guess if they will or not. Just stay off the phone with them. They are trying to settle with you for one thing and the other is to intimidate you using fear. Lay low, answer all letters and start a file, save everything you get for years. The longer you can drag this out using snail mail the better. Don't use e-mail as that is fast, you want it drug out slow. I had two debts that were over thirty-five thousand each that I managed to drag out past the SOL, no suits or anything, just a lot of calls and threating letters.. So, you never know just what they will do. Watch your credit reports to see if they are checking on you very often. That will give you an idea too of what they are up to.
  22. Yes, you would want to file with prejudice. In Oregon it will be a bit of a battle to get it from the local good ole boys into the private arb. So be prepared. If you do end up in state mandated arb, make sure you object to everything that you can and know the reasons why so you can cite them, not just say I object. Would help also to sit in on a few court hearings to see how they go so you can get comfortable.
  23. I would NOT take money form a mortgage payment to pay ANY debt. Mortgage payments should always have priority over others.
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