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Found 140 results

  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 Daniel Morlan who gave me another number to contact at 1-855-974-6538. He told me the reason they were calling was that their client, PDL Ventures, had turned my account over to them to collect for money I owed. PDL Ventures is an online payday loan company, and in 2009 I had several online payday loans. I got so far behind in all of them that I ended up closing my bank account and dealing with the backlash as companies contacted me. PDL Ventures sounds familiar to me, I'm not denying or validating the debt, and if I owe it, I will take care of what I owe. My issue is I have no idea if I have actually paid this debt or not, being that it is 5 years old, and the original loan amount would have been for $300-$325 and they are now stating that due to fees and interest, I owe close to $700. Obviously they said they are willing to settle with me for two payments of $250, which would still be $200 over what I originally took out the loan for. I cannot find any information on PDL Ventures to contact them directly and find out what I owe (if I owe anything). My email address and physical address have changed a couple of times during the last five years, however my phone number has been the same. I have not received anything in the mail from PDL or from URS regarding this debt. . Should I send a debt validation letter, certified mail, return receipt requested? Should I send a cease and desist? I've gotten smarter about dealing with CA over the years, although I luckily haven't had to deal with an issue like this for quite some time. I won't fall prey to their scare tactics of trying to sue me or file legal charges, but I also take it seriously so I won't be brushing it off and doing nothing about it. They have now called me three times today since 8am. Please advise on how to handle this collection agency and how to proceed in getting this taken care of. Thank you in advance and HAPPY NEW YEAR
  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 significant assets) and/or who to contact. Fast forward to today, and the same guy comes back asking for my wife. Turns out it's the same legal firm, for the same company (Absolute), for the same card issuer (Capital One), but for an amount that is about four times the amount they are suing me for ($3,200/$900). So what information should I provide here? I'm not entirely opposed to paying the debt, but I hate to line the pockets of a random junk debt buyer. The first summons was brought here on September 10th (says the summons was issued on August 29th) and then the second one (for her) brought here today (issued September 10th). I don't have the money to file an answer. We don't have much income after we pay the necessities (rent, car payment, car insurance, utilities) and our son is special needs. Not sure if that matters or not, but I heard I could possibly get the fees waived? I don't want to ignore these and have $4,000 turn into $10,000 and have wages garnished. I check the SOL and it looks like they filed the suit a few days before it was up. They attached evidence such as a statement showing my last owed balance along with a payment (both in 2010 one for each card) and a form that showed they purchased the debt from Capital One for $32 million dollars (hers said $12 million). The amount they paid for the debts is blacked out. There's also a form from the CEO of the company saying they took ownership of the debts. Our account numbers aren't anywhere to be seen, except of course on the statements. There's also a notice at the back that says we can avoid court by calling in and arranging payment, along with another series of papers asking for a reduction in the filing fee for $44. Not sure what that is about. Both cards have a combined interest/fees amount of $600-$700. Both lawsuits say a hearing is scheduled for 2017 in Chatsworth courthouse. Not sure why it's so far in advance. Nowhere on the papers does it say we have to be in court. So what are my options at this point? Please ask as many questions as needed, I will provide any information I can that will help me out. I appreciate all the help, and God Bless. I almost forgot, they are suing for: Breach of contract, account stated, open book account, and indebtedness on both lawsuits.
  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 license numbers and registered agent. I don't even know why I was charged for any of these services at the ER, because I provided the hospital with my medicaid information. I am not too sure what my next step should be. Do I send another letter telling them that they only send a partial verification or should I say that I should not have had any charges because I provided the hospital with medicaid documentation? Any helpful suggestions would be appreciated.
  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 with no luck. These seem to be current agreements. Any help would be greatly apprecaited. Thank you.
  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 moved since I closed the account either, and my phone number hasn't changed. But I digress.... Here's the situation. I called Verzon because the report on all three reports say "verizon wireless" and the status says "In collections", but it doesn't say with who. Verizon told me that it is with CBE group. I did some reading on this website before I called verizon, so I had some idea of what I was trying to gather information wise. The representative in Verizon's "collections/disputes" department told me she could no longer see any details of the account, only that I had an account and that I owed $395. She could not see why I owed this amount, could not take any payments from me, could not send me any copies of statements and could not send me anything that would validate that I owe that amount. At this point, she said, they handed it off to CBE group, and that they would handle everything from here. I called CBE group, the number she gave me. CBE group looked up my name, my ssn and the account number Verizon gave me. They can not find me. They stated they have no account for me, they show no record of ever having an account for me. How do I remove this from my report, then? I forsee the following problem. If I dispute it through the CRA's, they contact verizon - as the account is listed on my report as Verizon wireless, not CBE group, and verizon "verifies" the debt. If I dispute with CBE, they will say they don't have any record, but when I send this to the CRA, the CRA's will say, well, that's fine but the debt is from Verizon, not CBE. If I send it to verizon, verizon will say talk to CBE. It also looks like the validation letters and process are not for the orginal creditor to validate, but for collection agencies only. I don't know what to do from here. HELP!?!
  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 business office told me they offer no such breakdown and were just clueless and rude. At that point I decided to stop talking to them and deal with it if it went on to collections. My train of thought was they would not have enough records to fight me back on this. Ok a year later we received our first collection letter dated 7/18/2014 from Williams & Fudge, LLC. I came to this website and researched what to do, at that time I sent a DV letter (the template I found on here under samples). I did send it CMRRR, it was signed for by them on 8/15/2014. I received no response at all from the CA. The calls had stopped. Well yesterday I went to draft up my follow up letter to the DV. I pulled my husbands TU report and saw the CA had reported him for the first time on 9/17/2014, so after they signed for the DV letter. AND I couldn't believe it but the phone calls started back up as I was researching what to do next, what a coincidence! I know it is a violation to report on his credit until they validate the debt.. Anything else I should take note of? After sending the DV from this site, I have learned the form I used may have too much mumble jumble, so I am not really concerned they started calling again, I am concerned they are now reporting to his credit for the first time without validating the debt. The OC never reported it to any of the 3 bureaus, I had pulled all 3 of those before drafting the DV. I was only able to pull TU for free yesterday so I am not sure if they have reported on EQ and EX since. So besides the DV follow up letter, is there something else I should do at this point? Thanks so much I am in California
  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 asking for proof that I owed THEM for the debt, and they just sent me back literally the SAME 3 documents today. I am planning on showing up to court pro se, with the defense that I owe Citibank and I NEVER entered into a contract with them in anyway so they have no standing... Will this work? Any tips? I don't have the funds to settle as I have a small child, and a disabled mother who I help pay her bills...
  9. 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 owed is substantial. I believe that probably reflects principal plus interest. Lastly, the letter states that if I don't dispute the validity of the amount owed, they expect to receive payment in full. Questions: 1) At this point, how should I respond to ensure the greatest amount of protection and reduce the risk of further legal action? 2) How seriously should I take this particular "threat". It is my intent to eventually pay our debt in full, but have been unable to proceed until my financial situation improves. I am slightly more concerned because another group is now involved in the collection effort, and they appear to be a legal firm (although a web search indicates they perform collections). Any help or advice is appreciated. Thanks!
  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 follow the PRIMER in the Credit Repair forum, but I need some advise on how to proceed once it is time to start contacting the CAs. These are my questions and additional info: Based on the age (years since date of last activity), if I offer a settlement what should be the max percentage of the original debt?If I'm after PFD and the the SOL is expired, should I still offer a reduced settlement?Any other advice based on the info I'm providing below.Line 3 is not on my CR, but is on ChexSystem. I am willing to pay it off in full, but if the soon to expire SOL will help negotiate a lower payoff I'd rather go that route.All lines in red are now past the SOL.Current Experian PLUS Scores based on 3-in-1 report: EX - 582, EQ - 582, TU - 590 Prev Settlement Type of Debt Debt Age Original Debt Offer from CA1 Unsecured - Cellphone 2.08 $461.00 60%2 Unsecured - Cable 2.88 $523.00 80%3 Unsecured - Bank Account 3.22 $346.004 Unsecured - Credit Card 4.00 $460.00 90%5 Unsecured - Medical 5.14 $609.006 Unsecured - Medical 5.14 $1,311.007 Unsecured - Credit Card 5.53 $563.00 83%8 Unsecured - Cellphone 6.05 $945.00 25%9 Unsecured - Utility 6.46 $189.00 Thanks in advance for any help/advice.
  12. 1 in 3 U.S. adults have 'debt in collections'
  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 feel just 6 weeks after beginning the task of getting my $#$# together. It may be a fluke, but my TU Vantage Score jumped from 550 yesterday to 620 today!!! Better yet, I am now down to 2 delinquent accts and 5 derogatory accounts on my TU. (Still more work to do on Exp and EQ, but they are improving, too, just a low slower.) Of my 5 current derogatory accounts, I am now down to; Child Support (youngest son just graduated from HS this month, so going forward every penny I continue to pay each month will bring this balance down at a much more accelerated pace. Asset Acceptance collection - It's past SOL, but can still be reported for another 18 months on CR. I'm going to let sleeping dogs lay with this one. Old Utility Collection account with CA - Obtained letter from CA after paying off the original creditor (utility) stating that this account will be deleted from all 3. Hasn't happened yet and I just received the letter last week. This did take some letter writing to the CA. LVNV Funding - Has a zero balance. I paid them off 2 weeks ago, and probably should not have. I'm now in strategy mode of disputing and hoping for a delete from CRAs. Key Bank - I did need to pay this one off. From ex's account that she let go. I failed to recall I was even listed on this until it appeared on CR. Paid it off in two months, sent GW letters to every executive office of corporation asking for mercy as my efforts to resolve were immediate and prompt. It was reporting as 2 derogatory accounts yesterday and that is now corrected, but ultimately would ilke to battle to have it deleted, not just paid. (It's showing as a collection/charge-off but was formerly a LOC.)I thank all of those who have scolded me, reprimanded me, encouraged me, etc. I still have a long ways to go and new habits to establish, but I feel like I'm getting a hold on my life again. Cheers!
  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..... 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 debts that are mine, with the exception of this last remaining collection account. Of the 8 collection accounts I started with, I have only negotiated or paid 2 CA's. I paid monies to the original creditors, as they are who I was indebted to, ethically. My last account is with Asset Acceptance. The original creditor was Beneficial. I obtained a $10,000 credit line with them back in 2006 or so. In 2007/2008, I went through business hell, began the process of trying to save my home, which failed. At that time, Beneficial was the least of my financial worries. I have no documents from Asset Acceptance. No phone calls. Disputed with the CA's. Verified. I have sent a DV letter to Asset, CMRR, but am anticipating the typical response/letter. Asset reports the account as "opened" in Aug 2010, meaning that's when THEY started reporting this account to the CRA's. The actual Beneficial credit line accout is not on any of my CRs. (thankfully) They are reporting a balance of $13,600 and it appears to grow by approximately $150 each month. I would attempt to settle this for less than the amount, and will if possible, but every posting I read regarding Asset Acceptance includes lawsuits, and motions, etc, etc. I am obviously in the waiting stages of the DV response from Asset Acceptance, but I want to be prepared for my next steps. Ideally, if I can take care of this for $2500 or so, I would be thrilled. Can anyone let me know if they have had success settling a debt with Asset Acceptance for less than the amount? Keep in mind I have not been receiving letters, phone calls or anything else from them. I'm certain I have awoken a sleeping giant, but I need to resolve this last, remaining and somewhat large collection account for employment purposes with my new job/employer. Sorry for length of post. I know that's a no-no.
  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 $847 and mailed me a receipt. I also DV'd the CA, after. I received a DV response from the CA stating the typical DV response, as well as a line stating that I have 14 days to contact them and make payment arrangements or they will proceed to the collect the amounts owed at the "clients discretion". The second page highlights payment made amount of $847 with a remaining balance for interest charges of $231.19. I sent a goodwill letter to the utility company, CMRR, stating who I spoke with, including that I paid the balance in full according to the people that I spoke with. They called me yesterday. They advised me that my balance was zero, but that I would need to contact the CA to make arrangements for the interest, as it is not part of their billing system, they have power to instruct the CA what to do, etc. I pushed back a bit, but it was going anywhere. Furthermore, and I do realize that they have 30-45 days to report any activity, NO ACTIVITY has been updated or reported on this TL. Payment was accepted on May 8th. I already disupted this with the CRAs. My thought is to send a response letter to the CA, but I'm not sure what to write/include, other than I'm pissed off, and I know that strategy won't get me anywhere. My objective is not to just get this thing reported with a zero balance, but to have it removed entirely. If I send a follow-up dispute to the CRA's, including a copy of the receipt showing payment to the original creditor, I don't know who the CA is, etc.....will that work to have it removed? Thanks for any and all guidance.
  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 regarding an entry that was made when the Complaint was first filed regarding a hearing for Default Collection? My understanding has been that this was placed on the Case Summary at the time the Complaint was filed in case I never responded. Now that I have, my Answer (I believe) has nullified the proposed hearing. The entry reads thusly: Future Hearings 06/xx/2014 at xx:xx AM in department xxx at xxxx xxxxxxx xxxxxxx, CA xxxxx OSC - 3.740 COLLECTIONS-DEFAULT JUDGMENT Am I correct in my assumption, or could there be anything further I need to do in order to ensure that the proposed hearing has indeed been canceled and will not go forward? I'm pretty sure I have it right, but want to cover all bases. Thank you so much for any constructive input you may have on the matter.
  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 18th. My questions are: When do I ask for Discovery, BOP’s, Motions, etc? Am I too late? Or does everything happen after the Trial Setting Conference? Should I file a motion for the "Real" plaintiff? 1. Who is the named plaintiff in the suit? LVNV Funding, LLC 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Hunt and Henriquez 3. How much are you being sued for? $6,000+ 4. Who is the original creditor? (if not the Plaintiff) Chase (but the DV also says Capital One) 5. How do you know you are being sued? (You were served, right?) Served April 27th. 6. How were you served? (Mail, In person, Notice on door) They served my Aunt at my house. 7. Was the service legal as required by your state? Process Service Requirements by State - Summons Complaint Yes, I believe so. She would not accept it the first two times and I told her to tell them to leave it for me via her the third time they came around. 8. What was your correspondence (if any) with the people suing you before you think you were being sued? Nothing before the letter dtd Feb 21st of their intent to file suit. Items may have been sent an old address. 9. What state and county do you live in? California, San Bernardino 10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) CR says 2010. 11. What is the SOL on the debt? CA – 4 years. 12. What is the status of your case? Suit served? Motions filed? You can find this by a) calling the court or ( b ) looking it up online (many states have this information posted - when you find the online court site, search by case number or your name). Suit filed by Plaintiff April 17, My Answer AND Cross Complaint for Damages filed May 28, 15 pages. (But I also gave exhibits (prob shouldn’t ‘ave done that…). I also mentioned the Law Firm as a “Debt Collector”, making calls to my house to collect the debt (not LVNV), sending collection letters and asking for payment be sent to them and negotiating a settlement (to them). I should have filed a motion to clarify who the “real” plaintiff is. Plaintiff filed Answer to Cross-Complaint, July 2 mentioning the standard “…that any violation that may have occurred was not intentional and resulted from a bona-fide error…” blah, blah and the other common response “… that any violation that may have occurred was not intentional and resulted notwithstanding the maintenance procedures adapted to avoid such violation.” 13. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) Just with the Debt Collection Attorney ofc and the Credit Bureaus ~ yes. Not OC (Chase or Cap1??) and not the CA, LVNV. 14. Did you request debt validation before the suit was filed? Note: if you haven't sent a debt validation request, don't bother doing this now - it's too late. Yes! Feb 25th with a CMRR. They sent a response that shows Chase as the creditor AND Capital One, with different account numbers. They also sent 4 months of Statements with Chase. Nothing else shows that LVNV and I have any agreement for money AT ALL. 15. How long do you have to respond to the suit? (This should be in your paperwork). If you don't respond to the lawsuit notice you will lose automatically. In 99% of the cases, they will require you to answer the summons, and each point they are claiming. Done. See #12 answer. 16.We need to know what the "charges" are. Please post what they are claiming. Should see something like Common counts, account stated, breach of contract, open book, account, unjust enrichment. Common Counts: on an open book account for money due and account stated in writing by Plaintiff and Defendant. 17.Is the complaint "verified".? A verified complaint is one in which the last page it has a declaration from someone stating that the information and allegations are true and correct under penalty of perjury. None 18.Did you receive discovery or interrogatory or Admissions (questionnaire) regarding the lawsuit? None… (yet?) (this is where I need help) It appears in their Answer cross-Complaint they will ask for Discovery. 19. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits. Nothing. I just HOPE I am on the right track for this case. Any help is immensely appreciated. My GOAL: Included in the Hall of Fame Winners
  19. Fabulous article
  20. 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 is an explanation of this account. Our clients records indicate that the account was a Wellsfarro back with an account number of....The account was opened on or about...and was charged off on....The last payment on the account was made on about...At the time of charge off, you account carried a balance of...the account now carried a total balance due of... The debt was purchased by Resurgence Capital...The last known address as to where builling statements had been sent, in addition to the social security number under which the account opened. To verify, the last four digits of you social security number are... Address of original creditor is Wellsfargo... This response does not answers the questions that I answered with. I sent a follow up letter asking for the information that I originally requested. And is still waiting for a response. However, they sent me Form Interrogatories, Plaintiffs first set of requests for admission propounded on defendant and a wellsfargo card agreement (that you can print from their website). 1st question: Do I have to answer his form interrogatories, and admissions requests. 2: How do I beat this case? I have an idea that my mother opened this card since we have the exact same name and she knows my social and she has opened accounts in the past under my name. 3. What do I ask for in the case management conference? I appear for case management conference tomorrow and I want them to validate debt to show that it wasnt me.
  21. 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 amount, nor the account number, I see NOTHING on my credit report about this account. The letter was sent from First National Collection Bureau and the statement is listed like this: Creditor: JEFFERSON CAPITAL SYSTEMS Original Creditor: FIRST BANK AND TRUST Original Account #: XXXXXXXX Ref #: XXXXXXXXX Total Due: $1489.95 Im assuming its been passed around to a few collection agencies BUT I still have no idea what it is and is not on my credit report anywhere. And i dont recall any other debt other than what is listed on my credit report. Maybe some cable bills or phone bills from wayyy back but i'll never see those again. The only charged off credit card accounts that I have on my report are far lower amounts than that and the only other collections account that even gets close to that number is something that is listed with an entirely different collection agency. (old gym membership, out of SOL. forgot about that whole 2 year contract thing when i cancelled and went to a different gym.) Anyway, I havent received any mail regarding that account since then. However this collection agency First National Collection Bureau does have another charge off account of mine. (Something for far less amount with an expired SOL so they may get a FOAD letter for that one sometime soon if they keep sending me stuff about it.) So on this $1500 collections account, does it even matter if its NOT on my credit report? Do I need to look into it? Should I dispute it? Should I just let it sit? I literally have no idea what it could be and I see nothing on my CR. I mean, I dont plan on stirring the pot unless they send me something else but this CA has another account of mine so maybe they mixed up? who knows. Or could it be zombie debt that has just been passed around so long and built up so much interest and fees that its so far inflated from the original amount? Since its not on any of my credit reports should I just send them a FOAD letter? Thanks in advance for any helpful tips or info. These forums are a wealth of knowledge.
  22. 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 just wait it out and see what happens as they continue to send letters and call. NOW, while im waiting is there anything that can be done about excessive calling? And does this constitute as excessive calling that can be used as a complaint or violation? These screenshots are from my Google Voice number which I have used for years as my billing telephone number. From the voicemails they left and call backs that i made to check numbers, im pretty sure these are all Portfolio Recovery Associates. From the looks of my Google Voice inbox, it looks like this has been going on for a very long time. Ive got probably about 500 calls logged in the inbox from varied numbers spread over about 2 years time. Just like the screenshots. Sometimes a couple same day, sometimes the next day then 2 days later and so on and so on. Varied but still very many. Does this constitute as excessive calling or any sort of violation? Seems a bit overboard to me. And what can I do about it? I dont ever answer this phone number but the calls have recently been coming in on my personal line. And If they start coming in at this frequency, im going to have to change my number... maybe i can use this against them?
  23. 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 text written on the bottom: "Because of the age of your debt, we will not sue you for it and we will not report it to any credit reporting agency."The letter also states that they bought the debt from "ARROW FINANCIAL SERVICES LLC", so I assume it should be out of the SOL. The most recent letter has stated that I owe around $650 but they will settle for 3 options:1.) I pay $251.00 straight out2.) I oay $47.00 for 6 months3.) I pay $26.00 for 12 monthsSince this debt is so old, and isnt being reported to credit agencies then whats the point of settling with them? And If I remember correctly, the credit line on that card was only $200 or something.My question on this one is, how can I figure out if it is actually out of SOL and if it is then how can I stop them from contacting me about it or have them shut down that account. Debt Validation? Cease & Desist Communications on this account? I have read that a cease & desist increases the probability of getting sued but since the letter states they CANT sue me then would it hurt to send the C&D to shut them up on that account? Now, the second account that they have is an old Capital One Bank credit card account which according to the mail document was purchased directly from Capital One. This account was purchased in 2013 and from one brief conversation I had with one of the reps on the phone, they said the last activity was from 2011. I have since ignored all calls as they have increased after accidentally speaking to them once. I am unsure if this is outside the statute of limitations since I dont recall when I ceased to make payments and it got charged off. Unless it just now was charged off and Portfolio Recovery Associates just now got their hands on it. I am currently in the process of obtaining my credit report to see whats actually there and if both of these debts are reporting. On this account, they claim I owe something between $800-$1000 but I know for sure that this card was another low credit line of something like $250. A letter states I owe $850 but on the phone the rep said something like $1100. It seems they are increasing the amount due with every communication.My question on this one is how can I clarify what exactly I should owe, whether or not it is within the SOL, and whether I should make a deal with them. Also, should I start this off with a Debt Validation Letter and just go from there? Is the probability of being sued for this one higher since it may not be out of SOL yet? Its a relatively low amount so I dont see the need for getting lawyers involved. Even though they purchased the debt in 2013, I am almost certain that its been charged off since at least 2011. I have not yet received the "deal" letter on this account as they were just able to get ahold of me via phone. Ive been receiving random letters from CA's but I usually read them over quick and throw them away. They somehow dug up my cell number so now the calls are coming in more and more frequently. So thats the collection agency drama, please send any helpful advice. This is just the beginning of fixing the debt hole that I got into back when i fell on hard times but hopefully with some helpful tips and tricks it will get all figured out. I will continue to update this post as I move through the processes of dealing with all of this so hopefully it will help someone else who may be in the same issue.