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  1. My wife was seriously hurt in an accident on April 2010 in California. There were large medical expenses, most of which were paid by insurance, but significant portions were out of pocket. The owner of the vehicle at fault had the legal minimum insurance. When our own auto insurance would not pay the $500K limit on our policy, we engaged an attorney. They negotiated with the hospital and the insurer to get what we believed were all of the outstanding debts paid. The attorney paid the hospital out of the proceeds from the insurer. About 2 or 3 years later, we obtained a copy of our credit
  2. Yesterday I got into an accident, and based on my description over the phone, my insurance agent (GEICO) told me that there is a high possibility of total loss. However, I won't be sure until a GEICO inspector takes a look at it. The accident took place on 12/22, so I won't get any news until after the Christmas holiday weekend. (Monday would be 12/28) I'm currently over a month (but less than two) late on my car payment. When I called my loan company to tell them what had happened, they told me that my car was currently in "collections/repo status" and that my car insurance may deny my claim
  3. I got a notice that RPM has posted an open collection from AT&T. I settled with Southwest Credit System for a 55% settlement that would close the account in full. I've got all documentation, and recorded phone calls. RPM has been provided with the information, I've disputed with the credit bureau's. Is there anything further I can do? I'm frustrated that my attorney does not handle consumer protection law, he told me to look for a specialist in that area... Any advice on what else I can do?
  4. I've read a few but not sure if I can use those. Can anyone help? It was filed in July but just got served today and have 14 days to respond. I can send what I have received if needed. Basically the account was opened in February 2013, payments stopped in April 2014. Total amount owed is $3,834.95.
  5. Hello all! Newbie here.. Trying to get the score up, currently about 600or so. I have three collection accounts on there. Tried to dispute, came back verified and all ok (as in they belong to me). Contacted Portfolio with a Pay IN FULL for delete, they said they do not delete. Tried to email a higher up, no response yet. I guess my question is this... How many points will a score increase with a Paid in full VS a Settlement? I have the $ to pay them off, but want them removed from my credit report so my score increases. I was looking around and thinking that in the long run, a Paid in Full wou
  6. Hi everyone, I sure hope that I'm posting this in the right place. I had some questions about credit reports, collections, and closed accounts. So here's the thing: Before my wife and I met, she had a car loan and then lost her job. The car was repossessed and then sold at an auction. The company wanted her to pay the difference between her loan and what the car was sold for. She still did not have work so it didn't go over well. Eventually she stopped receiving bills and contact of any kind. I'm trying to figure out what the statute of limitation for collections is (in NV it appears to be 6
  7. Does anyone know if PRA will take a Settlement but mark as Paid in Full? advice, Experience?
  8. I was called the other day by a supposed private investigator named Christopher Marlynn who said he had papers to serve me for a defaulted pay day loan from 2012. This could be true but at the beginning of this year I paid off everything that was on my credit report minus my school loans. But anyways he called first saying he was an investigator with the Sheriffs department and that he had papers to serve me regarding money I owed on a payday loan. I told him I didn't know what he was talking about because I paid everything off the beginning of this year and he said so your denying this? I tol
  9. I'm trying to clean up my credit, I have 4 open collections. All together they add up to only around $2100 and I had planned on just paying them off over the next 6 months in full. but recently my score via credit karma took an unexpected plunge by -75 points it says it was do to the 2 oldest of the collections changing the "last reported" or "date updated" date to 28 august 2015. Both these collections are currently owned by Transworld systems. In a panic I began searching the web for answers on whether this was legal and what I could do to possible fix my credit in a hurry. In the process I
  10. Hello. I have an old debt with Kay Jewelers (credit card account). November 2014 was contacted about debt (and not knowing what I know now) paid the debt and thought it was over. Never received any confirmation of the debt or that I paid it. The only proof is the amount on my back statement. Fast forward to August, I begin receiving calls about the debt mentioned above from a company called RW Financial. They state that they own the debt and that I must pay, or they will take me to court for the amount. I began by calling Kay and following the companies that bought the debt till I learned
  11. Hello to the best forum on the planet! I was referred here by a friend and have been reading the awesome stories and advice given here. Tho I feel completely overwhelmed I have a glimmer of hope if I can get my head around all this stuff! I am taking this in chunks as it's the only way I can digest it all. Below are my answers to Racecar's questions. I have just a couple of questions for my first steps. I do believe I can file a General Denial (thanks AST Medic for that awesome thread)..but want to make sure my complaint is not verified. There is the first page of the summons; the compl
  12. Collection Agency sends letter on small debt but corporation dissolved. The bank account was closed and the corporation was dissolved even before the account was in collection . I am not sure why they show the old corporation and not the new one that the account was under. Its a smaller debt under $350 The sol will run out beginning of 2016 I am more concerned with them reporting it on CR I sent the validation and they responded with statements from the OC but statements covering one year. I doubt they would sue but may report to CA- not sure Should I make an issue of this corporation no
  13. I'm attempting to clean up my debt rather than declare Bk, and I recently pulled my credit report and found an that a CA is reporting an old debt as current almost monthly. The date of my last payment was in 1/2010. The debt originated at a sporting goods store in Montana where I applied for a credit card. I was in Montana on a temporary work assignment, but lived in Arizona. I have since moved to North Carolina. The SOL in each state is as follows: Arizona (Where I lived at the time I got the card): 6 years (Changed in 2011), but was 3 when I entered into the contract (2009), as well as w
  14. Does anyone have first-hand experience with MA DV requests? I've tried searching this forum but can't come up with concrete discussion. MA debt validation requirements are stricter than the federal one. Under FDCPA they can send any old printout for DV request and be satisfied with it. What are they REQUIRED to send under MA debt validation? And what can be done if that is not satisfied?
  15. Is there any reliable data out there on how many collections cases are filed per year in California?
  16. Hello! I am trying to rebuild my credit, with a score of 626 and only one active CC and another not in use but paid off. I've had this account in collections since 2009, began as $800 amount from Bank Of America (bought from Santander). Since 2011 I have not made payments to the account and it has changed collection agency multiple times and increased to $1080. I have not had any contact with the current agency in over three years and when I check my report the date of the account being "opened" has now changed to 2013. My question is: is there a statue of limitations on collection agencies c
  17. I am at impasse with a debt collector reporting on my credit report as the current owners of an alleged old second mortgage debt. A few years ago the last supposed owner of this alleged debt was unable to validate it so it came off of the credit report. This was prior to my becoming a citizen of Texas. Green Tree now pops up claiming to own the debt on my credit report and it looks like they have been reporting it since March of this year. Before educating myself with TFC 392, I requested validation through the credit bureau website thinking there was no way they could validate it because the
  18. This afternoon, outta the blue, I received a voicemail on my cellphone from an unknown collection agency for my DH. The message stated he missed a telephonic deposition and that further action would not be prevented by not contacting them, etc. They left an 800 number along with a reference number. Called DH and he had no idea what it could be. We conference called them back and gave the reference number. A woman got on the phone and was immediately nasty and combative. She verified his SSN and then said that he owed CitiFinancial and it was last paid in 2009. She went on to say it was purcha
  19. I am a Canadian citizen, but I lived in the United States for many years as a permanent resident. In 2001 I was going to school and had a student loan. I did not graduate for reasons that don't matter. I continued to pay on my student loan. In 2011 I moved back to Canada and was able to put my student loan in forebarence a couple times. I then had some financial difficulties and my student loan has gone to collections (Pioneer Credit Recovery). This week they tracked my down at work. They also faxed a form to my employer to verify employment which was intercepted by my Administrative Assistant
  20. I've been reading the forum for at least an hour to ensure I didn't waste anyone's time. I did see a couple threads relating to this issue, but not enough specifics guidance. I have three credit card collections that I settled 6 months ago with the CA so I could buy a house. For years now both the OC and CA have been reporting TLs to all three CRAs against the same debt. As expected, the OC is reporting charge off and the CA is reporting collection account, paid. I hate this kind of double-dip reporting on the same debt, but I guess that's how it works... So here's what I have: Chase Credit
  21. Last year I was sued in California by the esteemed firm Patenaude & Felix for a National Collegiate student loan, 39K or so. I hired a firm last year for attorney-assisted defense, and they prepared my answer and discovery, etc. That is all long done and now trial is coming up in 46 days on April 25th. To save some $ I would like to do the rest of this myself if I can, so what now? I know the rules for unlimited civil cases are different from limited (under 25K) cases, so I want to make sure I'm proceeding correctly, or if I can even do this on my own. It seems P&F is all bark and no
  22. I have 2 medical collections ($259 and $104). I sent a DV and C&D. I have also disputed with the CRA's. After doing this, I also noticed that next to where it has the original creditor (which was a medical lab), it says in parenthesis 'retail'. This is not a retail account so I'm wondering if it's being reported as one (as opposed to medical, which apparently doesn't impact score as much) If they don't delete with my previous 'not mine' dispute, should I do another dispute since it's says it's retail? The good thing is that it's only on TU so it's not too bad, but I want it gone!!
  23. I've been living in Florida for 8 years now. I've built my credit up to just under a 700 score. Not great, but I've made a lot of progress. About 2 years ago I started getting really proactive about it to the point that I check my credit report at least every other week, and there have been no judgements or collections on my credit report in that time. Today (2015) I got paperwork in the mail from my bank stating that $4,652 from my savings account was put on hold by an attorney because of a judgement that was filed against me in New York in 2005. This included (from what I understand) 10 yea
  24. In January of 2013 I had a bill that needed to be paid and I thought I had taken care of it. I hadn't received any more notices after giving them full payment so I went on with my life. Now it is February of 2015 and I just received a notice in the mail from a collection agency saying that I had never paid this debt. WHAT!!! I was so infuriated when I called this company because I DID pay this debt. The lady told me that they had sent the debt to them in October of last year. I am in the process of sending them a request for debt validation and also a dispute for this debt. My question is, wha