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  1. Here's a quick summary of my case for those who haven't read up on it. Had $3K credit card debt with chase that was sold to midland funding in late 2011. Was sued by Midland through pressler and pressler in NJ in early 2012. Went through the whole debt validation and interrogatories. The only problem was, pressler file a motion to compel me to answer the interrogatories with giving away bank acct info and a few other private questions. The judge complied with the motion and sent a order to respond. I did not object and then pressler and pressler filed a motion to strike my answers to the inter
  2. I got this letter today, It says the creditor is LVNV Funding LLC and the OC is NCO portfolio Management. This info was sent on a second letter that say this is you validation of the debt so you need not send an fdcpa validation letter to us. I have absolutely no clue as to what this debt is. NCO and LVNV are both JDB's wwe3 know this. So, it looks like LVNV bought a debt they think is mine from NCO. I have no idea where NCO got it. I doubt that if I send them a letter they will, or even can tell me who the original debt was with. No clue at all on this one.
  3. I received a letter from a collection agency. I dv'd timely. It's for an alleged debt under $100 from a utility company. They came back to me after about a month with a one page standard photo copied reply. They stated the alleged amount they say I owed. After reading a lot at CIC, here are what looked like FDCPA claims to me: -They said, "If you are not paying this account in full contact your attorney regarding our potential remedies or call (888) ***-****)." -On the bottom of the back page is stated, " when this letter was mailed, no attorney has personally reviewed your account." -They a
  4. Got a dunn from First National Credit Bureau It says they are the acting agent for first premier. Awful funny just last week PRA was calling me about this debt. Its actually my wifes debt. Any way it offered me a settlement of six payments. At the bottom of the letter it has a vague mini miranda. Funny thing is there is nothing in the letter that informs me about my validation rights. Nothing at all.
  5. while you are disputing the item OR after you have requested DV ?? I have in writing from HP Sears that they have VERIFIED the debt as valid, no mention of the validation request, and now the debt is showing up on Credit Karma as GOING INTO COLLECTIONS today ! What's going on ? And how can it go into collections again ? Thank you !
  6. Collection agency just called to inform me that my student loan is in default. Thought I was in Forbearance with a income contingency repayment plan to follow. Guess they never got my paperwork. Collection agency informs me that I owe $29,000. I'm Not working right now and living with my boyfriend and our 4 kids...he pays all the bills as I have no source of income at the moment. No possible way to pay this back unless payments are Super $5-10 a month. What is the best possible way to deal with this? Can I ask for debt validation with a defaulted Direct Student Loan? If so, sh
  7. Ok I was just wondering in a Collection Agency has the right to pull your credit report and start asking you personal questions about your current and past financial history. ie: We pulled your credit report and have noticed you have been late several times on your car loan, can you give us a reason for this? <-they actually asked that today. You used to work for Company XYZ, what did you do to lose your job and why haven't you found another one, you know that you have a debt to pay. <-yup asked this one as well. Last one: I see that you are an authorized user on a chase mastercard, I
  8. Where to begin... let's just say I was stupid back in college and got one of those credit cards from those booths that they have out in the commons. To make a long story some what short... I started paying it off and could no longer pay because of some financial I let it go into collections. Fast forward to a couple months ago. I check my credit report and I see that there was a judgment against me. Apparently this company NCO Portfolio had sent me to court and I was unaware, I was never served. I sent a letter to NCO Portfolio to see if I could get some information on it and se
  9. Hello. New guy here... I have about 12500.00 in debt that is becoming very unmanageable for me. I am one car braking down, or emergency type event that will force me to default on my debt. What I know is this: Once I default all rules are off. My interest rate will jack up sky high, and it will add even more missuray to try to pay this off. so I plan on biting the bullet and ride out the bad debt for 7 years and then when debt is off the books rebuild my credit. I would be forced to pay my rent with money orders, and all other purchase via pre paid debit cards. Can the collectors go
  10. Has anyone dealt with Broward Adjustment Services?
  11. Hello All, I am having an issue with the above mentioned collection agency. ARS Account Resolution. I did a search in the forum, but didnt find any information pertaining to them. So here is my dilemma: In September of 2009 I had an issue where I had to do a stint in the hospital. Good Samaritan hospital to be exact. The hospital bill totaled $12500 for a three day stay. After years of back and fourth of applying for medical forgivnance I finally was granted the debt to be forgiven by the hospital last month and so I assumed all was well....WRONG The doctors' bill totalling $965 was not
  12. All, Earlier today I tried to set up a payment for my Home Depot card and found out that it had been sent to collections back in July. The last payment I made was in June (I've been paying off and on as I have the extra money). I understand that once an account is sold I have to talk with the CA so is there any advice on how to proceed?
  13. Hello, I truly apologize if I phrased this wrong or posted in the wrong section. I am very open to correction, I just desperately need advice! I lost my part-time job last October, and things have snowballed since then. Things were tight before then, but unfortunately, once that happened credit cards and medical bills became non essentials under food, water, and utilities I just received my first summons today (posted about it in the "lawyer in the house" forum). However, after browsing a bit, I am starting to feel hopeful about my first summons being my last and getting this under contro
  14. Just trying to figure out what to do. I just received a new collection notice from a debt that I stopped paying in October of 2006. The six year mark is coming and I am wondering if I should attempt to stall to the SOL date by sending a debt verification letter or if this will just amp up collection attempts or court proceedings. Should I just let it is nearly a 10000 debt and I don't want to have to go to court so close to the SOL!
  15. I recently finalized a very nasty divorce and was lucky enough to have my husband leave me with nearly $10,000 in debt collections. I began doing my research on how to properly contact them to settle and pay off these debts. I drafted a letter offering a settlement amount in return for the CA removing all information regarding the debts from the credit reporting agencies within ten calendar days of payment. I sent the letters certified mail with return receipt requested, and notified them that my offer would expire in 15 days. It has been 14 calendar days/10 business days (not including the da
  16. Hi, hoping some one can help me sort through this. I am confused. I have a few delinquent accounts on my CR, and the ones who have been referred to a CA have their opening dates changed, I think keeping them on my CR longer. I've noticed that if I have a delinquent account from Company A, when that get's charged off, collection agency B has a separate account listed on my CR for the same bill with a different opening date. So it looks like I have two separate delinquent accounts, even though there is only one bill. Is this legal? Right now, I have one bill from a phone company that was on
  17. Hi, I found this forum looking for information on bankruptcy and other various options to get out of the predicament I am in. My situation: About two years ago my wife lost her job due to complex immigration issues and left my new family of four living off my income alone. Before we got married I had a few debts that I was slowly paying off with no issue. Fast forward, married, gained a few new bills, bought a house. Then I lost my wife's income. I had a bit of money saved up for a rainy day and ate that up rather quickly trying to keep up with bills. I eventually had to let my car go back, wh
  18. Hello I am most desperate to find out the regulations on an issue I am having. I will do my best to keep this short: 2/3/06 Girlfriend car break down mid way through an across the state commute for work. I drive to scene to help. 'Repair Shop' (use that term lightly) says $978 to fix. Would not take a check larger than $500, so paid remaining balance with debit card ($479) Therefore, wrote check for $500, dated 2/3/06. Next day car blows up mid way through the drive. Had to salvage it there. Could not "prove" was the negligence of the repair. Check ultimately
  19. The collections agency who is pursuing me was kind enough to provide me with the "assignment of note/debt", after I DV'd. them. Here is the problem. The "assignment" took place 2 months before they sent me their initial dunning letter. The assignment was made from the OC to an outfit who isn't registered to collect debt in Florida, so they are using another collections agency to pursue me. Since they provided me with the signed, dated, and stamped "assignment", and I also have a copy of their first dunning letter to me (which is dated 2 months after the assignment), do I have some recours
  20. In February, we signed off on a timeshare in cabo,mx. The sales person said we couldn't cancel, no if's ands or buts. When we got home we wanted out and no one ever returned our phone calls until I got a collections call. Now, our timeshare is in collections I am freaked out and don't know what to do. they want us to pay the full amount and we have never use the place. Is there a way around this? I've sent, emails, letters and nothing...Need guidance....
  21. Please forgive, if this has already been asked --- I couldn't find it! The situation: I just pulled a 3-way credit report on myself, and it lists the 2 debts that have about a year to go on the SOL. Everything looks okay, so far. But.... [*] There are NO collections reported to any of the 3 reporting bureaus.<p> [*] That seems to indicate that whoever now owns the debt (more on that in a minute) is just a JDB, and probably couldn't survive a DV letter.<p> [*] But because no collections are reported, I can't even track down who owns it --- if I go by the recent inquiries, it looks l
  22. Very interesting article in the NY Times today regarding credit card debt and how the courts are dealing with it. Discusses creditor fraud (ie; fake statements) and lack of proof of debt. Problems Riddle Moves to Collect Credit Card Debt -
  23. Hello all, I have always watched this forum and learned much from some of the members. I recently came up with a question that I have not received clear clarification on, from either this board or google, so I thought I would give a whack at registering and putting it out there. My question involves a relative who has been through a serious problem with a student loan and Salliie Mae. She went through a national disaster and lost her home and during that time she couldn't pay on the loan and defaulted. Now Sallie mae and the collection agencey wants over double the amount she signed up for.
  24. Collections reporting twice I disputed it as a duplicate and it came back verified. this is a violation right?