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Everything posted by sheli1974usa

  1. I'm sure this subject has been beat to death on the board I see that they do this to everyone and I have searched and searched.. I know that every situation is different just wondering next steps I have an alleged debt from Capital One. I sent the attorney the normal DV letter, then elected arbitration.I sent it CMRRR, and also a notice to appear. A Fed Ex letter from Capital One came that said they are a litigation specialist with the Capital One legal department. They are in receipt of my elect to arbitrate, however the agreement (that they attached from 2010) does not include an arbitra
  2. I'm kind of stumped. Here is a quick version of my issue, any comments appreciated. So about a year ago I was mailed dunning letter from an attorney for an OC. I responded in a timely matter with DV letter that stated I dispute, and would like to exercise my right for arbitration. They mailed back all necessary statements. I hadn't heard anything but was served "pocket service " I didn't send a formal answer but sent them a letter reminding that I had elected arbitration and continuing with suit would be a violation. I also sent them a notice to appear. So far, No suit has been filed. So here
  3. Racecar, thank you so much for writing back. Would this make a difference if the OC was Capital One? I forgot to list it in my post. I sent you a PM on who the Attorney is because I was told that they frequent this board
  4. Hi everyone, I have read through the steps to arbitration and I finally feel like I am getting a grasp of things.I have been doing lots and lots of research and everything I read tells me that this DC Law firm is horrible to work with. I received a dunning letter and I responded with a letter CMRRR that I disputed the debt, and would like to use arbitration via JAMS per my cardholder agreement. I received 2 statements (random months) and an affidavit of the creditor that after looking online sounds like a generic one that they send everyone. The letter said that I will be please that
  5. I have a copy of Discovers agreement that says we can arbitrate. I will give it a shot and file This may be a dumb question but I'm learning. I am reading and reading. I think my state is a summons now file later state. In my summon it says I can demand the plaintiff file suit if I want and I have 20 days to respond with my dispute. If this isn't technically filed yet, do I reply to the courts or the attorney
  6. It isn't a JDB it is Discover Card themselves. I would like arbitration. Should I try to file a MTC, and file with Jams immediately?
  7. Hi everyone. Looking for one from WA, I'm one of those that sent DV and elected arb and I was just served tonight. I'm going to file Jams in the am and I am looking for a sample MTC. Hope I'm on the right track.
  8. Hi all, Can someone please help me out a bit. In August, I was sent papers from an attorney requesting payment. I replied with a DV letter and requested that should we need to, I elect arbitration with JAMS per my cardholder agreement. A few weeks later, in the mail they sent me 3 months of CC statements. Tonight I was served with a Summons from my Superior Court, how should I proceed?
  9. Thank you so much, I will call tomorrow and see what they say and hope I don't have to go any further. Thank you again
  10. Coltfan, thank you for the reply. I have been reading and I just dont see much on Medical debt, it is for a really small amount. I really have no real defense to tell you the truth, just can't/didn't pay. The only thing I can think is it was for work done that I had to go and have corrected somewhere else because it was done so bad. Not even sure if that matters. (Should I even say that?) I guess I would like to settle, if they would take payments. Im sure this is just the start. I have a million cc's that I have sent DV letters with elect to Arb. Just waiting for the storm.
  11. Hi all, Can someone point me in the right direction? I was served a summons today from a collection agency that is filed with my district court for a medical bill. I have 20 days to file my answer. My question is this, what should my answer be? Im not sure what do you becase this is for dental/medical services. I don't want a default judgement. Any help is appreciated.
  12. I would like to pay something, just not what they say I owe. I would love them to offer me a decent settlement.. Ultimately that is my goal.
  13. I guess I should of asked if this is enough to be considered proper validation.
  14. I am sorry if this was posted elsewhere, I cant find the answer that I am looking for. I sent a letter to Zwicker and a$$. asking for DV and elect ARB. I just received a letter that said "Here are your documents, please call one of our non attorney customer service agents to discuss resolving the amount owed on your account." This was on Zwicker and a$$. attorney at Law letterhead. Attached is a monthly billing statement from the OC. How should I reply?
  15. Hi everyone, I am looking for Bank of America 2006-2011 . Can someone point me in the right direction?
  16. Does anyone have a link to Discovers cardmember agreements for 2006-2012.
  17. Is there a link to cardmember agreements? I need one for Discover Chase and Capital One. Thank you
  18. I sorry for all the questions and having to walk me through this . There is so much to learn, I just want to make sure I'm doing this correctly.. thank you again for your help
  19. Linda. I originally sent Discover a letter asking if they would settle. When I send them the arbitration letter do I also send them the validation letter. I have been reading your arbitration section and I'm confused. Also, in another post I have a different scenario with a Chase account they sent it to collections with Allied and Associates. I sent a Dv letter and got a reply from Chase that said they are the original creditor. I'm confused on this, I haven't gotten anything back from Allied. Just Chase . Also, How do I get a copy of my original agreement so I can see if I can use Jams for th
  20. No I haven't pulled my credit, should that be my next step? And exactly how should it be reporting?
  21. ok, so I sent a DV letter to Allied Interstate - What I got in reply was actually from Chase, and they said that they are the original creditor and not the DC. I am totally confused. Can someone clarify for me? I know Chase is the OC but I got a letter from Allied Interstate saying that Chase sent the debt to them, so I had them do the DV and get a reply from Chase with Chase letterhead.
  22. 6k, opened in 2008 and last payment was Jan 2012