SomeBlue2

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About SomeBlue2

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  1. Great, thanks for all the info. 1. The letter does not say anything about having 30 days to dispute the debt. 2. The city where the case was renumbered is in the same County I will make the calls tomorrow and see what I can find out. Stay tuned!
  2. Update: They called again and this time I answered the phone and basically told the collector that they were in receipt of my request for a copy of the judgement and that I requested no phone contact. A week later I get a copy of the judgement. Now I'm scratching my head because how can there be a judgement against me when I have never been served? I have never received anything in the mail (until now) regarding any judgement and I just checked the court in my county and there were no judgements listed. Yet there is a copy of the judgement from my local courthouse (same city that I live in) which is dated11/18/2008 Then there is a second page of a "case summary" and it lists under "histories" 4/26/2013 Case renumbered from my city to the next city over 4/26/2013 Case reassigned to next city over courthouse 4/26/2013 Effective 5/28/2013 I still have NO idea what specifically this is for (credit card? loan?) I am so confused. How can I have a judgement that I don't know about?
  3. I don't really want to spend money on an attorney. I would rather just shut them down and make them go away. The point is NOT to spend money on this because it's bogus.
  4. They did initially send me some nonsense after the first initial phone contact. "their cover letter which includes the file number, Principal balance amount, interest & total amount due. And the usual "This communication is from a debt collector. This is an attempt to collect a debt..." blah, blah, blah. Then a copy of my original loan application (titled "Personal Loan" at the top of the document) from the credit union dated 1998". But it didn't show what they were alleging, AT ALL. That's why I then sent them the letter asking to validate the debt and to avoid phone contact via CMRR which they received on 2/7. Still haven't received anything from them, just phone messages.
  5. Oh, and if I do happen to pick up the phone the next time they call, what should I tell them?
  6. Well, I can save the messages...but of course they're calling from a restricted number. Is there a good resource to find a consumer attorney?
  7. So, I sent the letter CMRR, I got the receipt back that it was received a few days later. In the meantime they have continued to call me. I haven't actually ever picked up the phone, just heard the messages. And they haven't sent me anything I asked for. Now what?
  8. OK, I just went with a simple: I dispute the above-reference account and request validation. In a phone conversation on (date), one of your representatives claimed a judgment has been issued against me for the alleged account. Therefore, I request that you send me a copy of any such judgment. In the meantime I request that you no longer contact me via telephone. All communications regarding this manner should be via mail to the address referenced above. I also included a copy of their collection letter. I sent it via CMRR today. What should I expect to receive?
  9. I never sent a DV. They called and stated that this was a debt that was owed and that there were judgements against me. I told them to send me something in writing. All they sent me was, their cover letter which includes the file number, Principal balance amount, interest & total amount due. And the usual "This communication is from a debt collector. This is an attempt to collect a debt..." blah, blah, blah. Then a copy of my original loan application (titled "Personal Loan" at the top of the document) from the credit union dated 1998 -I have NO idea what it's for...maybe the Credit card? and a copy of a Holiday Loan Coupon that I signed and deposited dated (hand written) 11/06. No proof of any judgement. I'm disputing the debt, period. The amount, the interest, and the fact that the SOL is 4 years. I have NO idea when the last activity/payment was made, but I'm fairly certain it would have been in 2008.
  10. would it be a good idea to include this? Please provide me with the following: Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state; and Your license numbers and Registered Agent
  11. Just to clarify here. Am I sending a DV stating the paperwork they sent me was insufficient? I also want to include that they not call me any more. So can I just send something that says: I am requesting validation of this debt including payment history, and an accounting of how the total due has been calculated along with proof of the judgment you claim exists. In the meantime, never contact me again via telephone. You can direct any communications regarding this matter via the mailing address provided. Is there anything I'm missing? Something I can add that would make it more "official"? Thanks
  12. Oh there should definitely be a FOAD template, haha. I'll send them the letter and hopefully that shuts them down. Thanks!