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  1. Hi, I was served with a warrant in debt in Virginia and I wanted to see if anyone could help me understand my options better. I have attached a scanned copy of the warrant and affidavit. My questions: 1) My credit limit was only $1700 yet they are telling me I owe $3241. How come? 2) Should I ask for the bill of particulars and if so how do I do it? 3) I never heard from any debt collectors regarding a settlement offer. Would it be wise for me to call them and see if I could settle it out of court? Will they be able to use it in court and just say no to any settlement? I appreciate any
  2. I don't understand any of this but it seems I am due in court on 8/22/2013 after being sued by Cap 1. What confuses me is the 'Vacated' posted under Disposition. What does this mean and any advice for my court date? Do I even actually have a court date since it says 'Vacated' next to it? My only income is and has been student grants for the last 2 1/2 years and before that I was unemployed and on medical disability (at the time of the original court date) for depression and suicidal issues. I don't even drive a fully legal vehicle (because I can't afford the repairs to make it smoggable). I am
  3. Good afternoon helpful forum folks. It seems everyone situation is a little different and i have had a lot of general advice, sometimes conflicting with others. I hope to receive some specific information to help me, by posting my situation. credit as of april 6 Equifax 535 transunion 536 experian 649 open 2 month of pos history car loan 40 month pos history bofa card 21 month pos history bofa card 14 month pos history cap one collection cavalry portfolio collection customer disp acct BOFA last reported 3/13$16,501 CFS 2 inc collection customer disp acct US BANK last repo
  4. Hi everyone, I'm REALLY new to this forum and to DIY credit repair so I have a lot of questions. I've been researching tips online, reading threads on different forums, and bought books on credit repair. However, nothing beats having a conversation so in advance, I appreciate any help/ advice that can be given to me. I've ordered my credit reports and have reviewed them. I'm in the process of creating letters to be sent to the bureaus. But there is a question that I have about one of my accounts. It's a Comcast Bill that was apparently sent to collections in 2009 for a mere $67. I am com
  5. My ex-boyfriend, who's been in Chap 13 BK since before I met him, 2 yrs ago, induced me into signing a car lease for "us" so that we could have transportation. I don't drive and have no car. He managed to get 4 DUI's, and the car was impounded then repossessed by Ford. It was sold and I am stuck with the difference between sale price and value. $ooooo. I sent them 3 payments since January, which they accepted then they sent a collection agency after me for the full amount. I sent a C&D letter and also explained I was making good faith payments which were accepted and to cease co
  6. Hi guys, I'm hoping someone can enlighten me about where to go from here. Like a lot of others, I'm attempting to repair my credit. Pulled credit report and noticed about $2500 in debt on two different accounts to LVNV Funding. One month in particular I noticed the reported balance jumped by $200. Anyway, I sent them a debt validation request, certified mail. They received the letter. A week later I received a collections notice from the company. They did not send any validation of the debt, only this collection letter. It had the blurb about how i need to send a validation request within 30 d
  7. I have HSBC (OC) and LVNV(collection Co.) posting negative information for the same account. HSBC sold the account to Sherman Financial back on 04/14/2010 and stated in a recent letter that all balances due were transferred as well to Sherman Financial and all future inquiries should be sent to Sherman Financial. I do not see Sherman Financial on any of my credit reports for this account, but I do see the account listed with LVNV as a collections account. My question is can HSBC and LVNV list the same account twice on my credit report? And how can I have one of them removed? I prefer HSBC to b
  8. Ok, so I have 3 collections on my reports. I've sent letters to the three attempting to settle/PFD. If it's been a couple of weeks and I haven't gotten a response, should I dispute them with the credit reporting agencies, hoping they won't respond to them? What happens if I dispute and they do respond to the CRAs? Does that change anything with the collection/possible settlement process?
  9. Here's my situation. I have a Florida CA reporting negatively on my Credit Report since 6/2008. On the actual TL, it says the Creditor Name is: COLLECTIONS. Next it says the Original Creditor is: COLLECTIONS Here's what it looks like: Collection Accounts: Accounts seriously past due Creditor Name: COLLECTION Account NO.: 158**** Original Creditor: COLLECTION Responsibility: Joint Condition: Derogatory Original Balance: $1565 Balance: $1565 Date Opened: 06/12/2008 Date Reported: 12/23/2012 Remarks: Account information disputed by consumer, meets FCRA requirements Elsewhere on my C
  10. I will provide the summerized version of my historic debt with the collection efforts, all aided with my procrastination. On some 8 different bank cards used by me through the 1990's. My usage of these cards stopped early 2000. The combined outstanding debt with accumulated late fees and interest I estimate to be approximately $70,000. At one point around year 2000 I signed with a firm with the intent of seeking to have the debt discharged through bankruptcy filings. I notified the card holders of my pending intended course of action. I failed to complete the filing process and these ca
  11. When I was in college I was stupid with credit cards, I opened 2 $3000 limit CitiBank cards and maxed them out with no ability to keep up with payments. I was young and stupid! I defaulted on them and they went into collections in 2006. I finally have a job that allows me to beging paying these debts back. I was making payments on one account that began at $3600, got it down to $2500 before they started dicking me around on the other account. On my second account I owed $3900, and agreed to settle for $1500. Which was paid in 10/2012, I was going to work on paying down or settleing the $2500 b
  12. New to the thread - I've got 2 questions. After being an irresponsible idiot in my younger days, I'm really trying to clean my report up. I had 4 negative accounts, 3 smaller accounts listed in collections and a student loan I decided to stop paying years ago. As for the student loan, last week I settled with the collection agency hired by the bank that backed the loan. I paid half and they will have it listed as settled in full (wasn't getting a PFD or anything else for that). The thing is, it's also listed 3 or 4 separate times on my credit report as charged off, filed with gov't, etc. T
  13. The first collection account seems to be listed by a collector as a debt buyer account? It states it is a retail account. I never opened a retail account, so I will dispute with CRA first as not mine. What do you recommend afterwards if not removed? What is the best way to tackle this account? I reside in California. 1) Creditor classification: Retail Date opened: 10/06/2010 Balance amount $9,974 Amount past due $9,974 Date of 1st Delinquency: 11/2009 Date Maj. Del. 1st Rptd: 11/2010 Status- Collection Acct Type of Acct-Open Type of Loan-Debt Buyer A
  14. Hello guys!!! I sent a DV to Pinnacle Credit. They sent me a response, but the response came from APM Financial Solution. They included Pinnacle Credit like a Client. In my credit report appear the follow info about this account (Pep Boys Credit Card): Date Opened: 04/2004 Date Reported: 12/2008 Date of Last Payment: 11/2005 Status: Charge Off In the response letter they mark the account like "Statute Date: 11/15/209 Out of Statute" It is Out of Statutes or no? What happen if the account is out of statutes? They delete or no? My next step? Thanks
  15. Hello everyone this is my first time. Okay I'll just get right to it....I'm cleaning up debt I acquired after getting laid off and the largest is an eviction which is now a judgement. its been two years and is growing 10% interest. Every strategy i've tried and got no results. my last resort to find a way to put the ball in my court is to see if there is anything i can do about a statement said in court. I have the minutes to prove it. Before all this i had great credit and a family member became ill while i was laid off thats what used all my savings and i couldnt pay rent and so in court the