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  1. This morning at 8:44am I received a call from 217-717-8200 (I am in Illinois... it shows this number is calling from the Springfield area.) A Renee Spencer stated that she was calling from URS Risk Management in regards to a "default and disclosure statement" against my name and social security number. She stated that a complaint had been filed for "inticipatory breach of contract for frauding a financial instution" and that myself or my legal representation would need to "contact the firm" at 1-855-546-8984. I called the number back to find out exactly what they wanted, and spoke to a Danie
  2. Hi all, I'm a new user here, and new to all of this, (hence my user name) so please forgive my ignorance, because I'm sure there is a lot of it. Anyhow, I'm in Southern California, and about two weeks ago, a man came to my house and wanted to give me papers. I never identified myself as the person they were looking for (nor did the words "served" or "you've been served" ever come out) and the man just dropped off the papers and left. Now I spent the last two weeks doing research on what to do (I don't have an income but my wife does, we don't own our house nor our cars, no really significa
  3. LAW FIRM RERESENTING CACHE RESPONDS TO DV They responded with a copy of my credit report in full showing the OC reporting notated- and a copy of a statement about 1 1/2 years old. The letter states the balance- but I had originally disputed the balance on my OC and the OC sent me back a letter stating they no longer own the account. THen I get a letter from the law firm representing Cache. Dont have funds to settle and won't settle. What should I do wait to see if they go further?
  4. I recently found a few accounts in collection for medical bills... I disputed with credit bureaus first, then I sent a debt verification letter following the letter sample on this site. I just received a reply from the CA . They replied with a partial verification, they claim the money I owe is for doctors and medical services I received at the hospital ER a year and a half ago, but they did not provide me with copies of any papers that show I agreed to pay what they claim I owe,also they did not show verification that they are licensed to collect in my state and did not provide me with any
  5. I have an old Wells Fargo Financial credit card account that recently went into collections. The balance is shy of $6,000. My last payment was made more than four years ago. Does anyone know how I can obtain a copy of a Card Member Agreement from 2010? The current agreement, revised in 2014, says it's governed by the State of South Dakota. I'm hoping the older agreement is govered by a state with a shorter statute of limitations. Because my last payment was made in 2010, I'm assuming I can argue the agreement from 2010 would apply. I've checked the database at consumerfinance.gov wit
  6. I pulled my credit report and saw that Verizon has placed that I owe them $395 from when I left them in April 2013. It was a surprise to me; I thought I had paid them in full. I can't find records of where I did pay them, so, perhaps I do owe the money. I haven't had a blemish on my credit for a long, long time. This is the only bad thing on my report in 7 years. I don't recall owing them this much; I believe it was $325 when I closed the account and I thought I paid it. Never the less, if I'm wrong ,and I did owe them and didn't pay it, I never got any notice of it before now! I haven't mo
  7. Hello, What a great forum. I have been looking it over for about 5 weeks now and researching what I can and trying to search for my answers .. Here's a brief history of my story/problem. My husband was attending a really crappy tech school, they gave us a private loan through them. My husband stopped going to this school. They are trying to bill us for the whole time of the program even tho he went only half way. While he was still in the program (right as he was getting ready to quit) I asked the school for a breakdown of what we owe so I can dispute it. The financial aid office and bus
  8. So I had an old credit card that I went delinquent on when I was in college, it was opened in 2008 and quite confident I stopped making payments in '09... Well I've moved several times, and more or less ignored any and all calls, going as far to change my service provider and my phone number... Anyway, June 27 a sheriff came knocking on my door... I had been served. They provided 1 bill of sale from Citibank to the first CA, then from that CA to lazega&johanson. Along with what looks like a photo copy of my account showing the balance, name etc from July 2010. So I responded with a letter
  9. http://www.nakedcapitalism.com/2012/08/judge-90-of-credit-card-lawsuits-cant-prove-borrower-owes-money.html Make sure to read the end of the article about Discover card
  10. Hello -- I received a letter via regular mail from a law firm that handles debt for FIA Card Services. I believe I had previously been contacted by another collection agency regarding the same account. Today's letter indicates the matter "has been referred to this office for immediate action". It goes on to state that the debt will be assumed to be legitimate unless I dispute the validity by letter within 30 days. If I respond as indicated, they will provide verification of the debt or a copy of the judgement against me. To my knowledge, there has never been such a judgement. The stated amount
  11. A brief background: My credit report and DMV record were in complete shambles for years due (in part) to my undiagnosed ADHD. I was diagnosed in 2011 and since then have not made as many poor decisions as I used to, I finally took care of all the Failure To Appear holds on my license and had it reinstated just last month. Now it's time to tackle my CR with the ultimate goal of preparing to buy a house. Luckily, many of my oldest and biggest debts have fallen off, but I have 8 collections still listed with various ages (6 of them are now past the 4 year California SOL). I'm going to try and
  12. 1 in 3 U.S. adults have 'debt in collections' http://money.cnn.com/2014/07/29/pf/debt-collections/index.html?iid=HP_LN&hpt=hp_t2
  13. Go a letter from Sentry credit stating to disregard their previous letter and I never got the previous letter as far as I know. They had a OC listed which I did have a credit card with them . So why would they send that and then say sorry for the inconvenience. Perhaps it got resold to another JDB?
  14. I had to share some exciting news from today's credit score update. When I started this process on May 6th, 2014, using TrueCredit's site, my TU report contained 4 delinquent accounts and 10 derogatory accounts. Specifically, I had 9 collection accounts, and then some other bad stuff, late stuff, child support in arrears, home foreclosure in 2011, etc, etc. One thing led to another, which led to another, and I simply threw my arms up tried to ignore everything for a couple of years. I felt "stable" enough to start chipping away at all of these things and I can't believe how promising I
  15. Greetings, I won't bore you with all of the details of 7 of the 8 collection accounts I found in my credit reports when I begain this adventure on May 12, 2014 or so, but I'll include a link to a post where I'm documenting my victories one at a time here..... http://www.creditinfocenter.com/community/topic/323902-successfully-paid-3-original-creditors-in-full-but-ca-accounts-still-showing/#entry1298069 I read more than a few posts regarding the ethical duty to pay debts that are legitimate as opposed to trying to simply trying to not pay monies that we owe,.and felt compelled to pay the
  16. This pisses me off... Discovered an old utility bill for $847 from a state a used to reside in, stemming from walking away from my old home in 2008 (foreclosed). Discovery was made when I began this credit report rehab project on May 6th or so. Account was listed by a CA in Oregon, with an amount of $1072. I had/have never received a phone call of piece of mail from them.....ever!!! I had the money, so I called the actual utility company to see if they would take my payment, hoping this would give me leverage to remove the CA and avoid the interest. They gladly accepted my payment for
  17. Hi, everyone. About a year ago, a JDB filed a Complaint against me for an alleged collection account. Despite never being served, I found out about the Complaint and filed my Answer and proof of service for it right away. The Case Summary reflects this, as well as several entries that say, "09/xx/2013 DECLARATION RE: NON-SERVICE FILED," which I'm assuming are indicators that the Plaintiff is filing paperwork to keep the case open without subjecting themselves to countersuit. Since my Answer and Proof of Service thereof have been accepted by the Court, do I need to be at all concerned reg
  18. Oh boy… I think I’m in a pickle now…and maybe too late to make any more actions on my case… Thank you in advance for helping me on this one. I just cannot figure out what I need to do next. I have been reading this forum for a while now. I have read and learned A LOT (my eyeballs were drying out from the “study”) but for some reason, no matter how many times I read members issues/responses or read the CA Rules and Procedures, my brain is just not capturing it. I am looking for what my next step will be. The case is filed in San Bernardino, there is a Trial Setting Conference for October 18
  19. Hello, I am being sued by Resurgence Legal Group. I answered the summons within the 30 days timeframe. I denied all allegations and requested for debt validation with the following information: A copy of the original application with my signature for the alleged debt How much was the debt purchased for? Provide a fully itemized statement for the amount you are asking which clearly details how this amount over the amount that was paid for this debt was calculated, including the interest rate being charged. Confirm that this fate falls within state usury limits. They responded with: Below
  20. Im very curious on how to handle collections on this random account. Do i dispute it? Do I look into it? Does it even matter? Is it even mine? Could it be zombie debt? Here's the deal: While digging thru some old paperwork I came across a collections letter dated back in Sept 2013. Its a "deal" letter and says nothing but basically "here's what you owe us" and "pick your payment plan option.". The amount in collections is for about $1500 but I have NO IDEA what its from or what its for. Ive recently accessed all 3 of my credit reports and it is NOT listed anywhere. Not the creditor, the
  21. So Portfolio Recovery Associates has been giving me hell over some old debt. Ive got another thread going regarding the whole ordeal. They've got 2 accounts with my name on them, one of which is beyond the SOL and the other which has about 8 months left on the SOL. Im preparing on whether or not to DV them on the most current account and see what they do, then make a deal. Or just wait it out until the SOL expires and I can send a FOAD letter on both accounts. (amounts ranging, $700 - $1000) From what ive read online, its pretty hard to get PRA to do a PFD or anything like that. So I may j
  22. Looking for some advice on dealing with this collection agency Portfolio Recovery Associates. Same old story, I went thru some very hard times about 4 years ago and now im dealing with the consequences. Recently Ive been contacted by Portfolio Recovery Associates regarding TWO accounts that they have purchased and are now trying to contact me about settling debt. One of the accounts is an old GE Bank Credit Card (Walmart) that is out of the Statue of Limitations in my state. (im in Texas and I believe the SOL is 4 years on debt.) The letter that I received regarding that account is has this t