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  1. Greetings, we're looking for feedback on a website we're building to bring free, unbiased financial guidance to mainstream America. Would love your thoughts on www.guidefinancial.com We are building in a guide covering credit consolidation. Would it be useful for you? We're helping people decide between mortgage consolidation, balance transfer cards and peer-to-peer loans. Which would make sense for you? Thanks! Scott
  2. So I come home yesterday to find a large ziplock baggie duct taped to my front door. For all to see, there is Motion for Substitute Service. The Plaintiff being Cach,LLC represented by attorney Michael J. Scott. Apparently they felt it necessary to have motion granted to have the papers taped to my door due to previous failed attempts to serve me. This is new to me as I have never heard of either one of these parties before yesterday.nor have I heard FROM them before yesterday. The next page is the Civil Citation dated back on April 3, 2013 which states that I defaulted on a credit account in the amount of $4,049.49. I have til 10:00 am on the Monday next after the expiration of 10 days from the date of service to appear and file a WRITTEN ANSWER. What's interesting is that this citation still has the officer's return still attached. When I checked the county website it shows unserved for the original date of April 3, 2013. Then it shows the new date of August 15, 2013 where they filed to have the papers taped to my door. The next set of papers are the Plaintiff's Original Petition in which Cach,LLC intends to conduct a discovery, seek to recover damages and try to prove that I owned a CITICORP TRUST BANK account with account numbers ending in 0694 which has a balance of $4,049.94 and accrued interest of $1,071.47 which continues to accrue at the rate of 28.0%. They seek damages of $5,121.41 plus more interest. (I kinda find that odd...didn't they already include interest and are just tacking on more interest for the heck of it?) Then finally comes the REQUEST FOR ADMISSIONS. Now the meat of it...........I don't have or have had an account with Citicorp!!!!!! I even checked all 3 credit bureaus and there is nothing listed on my credit report for Citicorp or Citibank...I got nothing. I have not received any correspondence from CACH either.I have not had any credit card statements from Citicorp, nor have I received any proof of this debt from CACH or MIchael Scott. I'm completely freaked out. Any help or advice would be an answered prayer. This has been the worst year for me.
  3. Hi, I'm being sued in California by a local debt collection lawfirm for $2,000 for relocation money paid to me, by my former employer 2 years ago. My initial contract stated I would be responsible for returning $2,000 in relocation money if I left the job in less than one year, and the money would be taken out of the wages owed to me at termination. If the balance is not enough, I needed to pay the remaining amount within 30 days of departure. I left after 10 months, and no money was deducted from my final payment at termination (which was about $4,000). The HR person in my exit interview with the company orally said I don't owe any debt to the company as long as I didn't share company secrets as I put in a lot of overtime in my final weeks. My final ADP pay stub after I left the company show the monies I was paid, and show no outstanding debts owed from me to my past employer. I also received no request for repayment for over a year from date of departure. Can I use this as proof of the agreed upon accounts stated between employer and employee? I haven't seen accounts stated used as a defense before, but it sounds like all the requirements exist here. I'm worried that since I don't have proof of what was orally said by HR, I can only use the pay statements as proof of accounts stated. The only evidence filed by the Plaintiff is the original contract that was signed.
  4. Hi! I am not sure if I am posting this in the correct place or not. I am new to this site and hope someone can give me a little guidance. When I was in high school my step sister who was 17 at the time was approved for a credit card through Capital One. I thought wow, if they gave her one maybe they will give me one! Dumb...very dumb I know but at the time I was 16 and was not thinking towards the future. Sure enough I filled out the application online and even filled it in correctly with my real SS# and everything, the only thing I did was change the year of my birth so at the time it would've made me 18. About two weeks later I received my credit card in the mail, with a $550 limit...it took me about two weeks and I maxed it out and never thought twice about it. Now that I am older I realize how much my credit is actually needed. Aside from school loans Capital One is the major thing on my credit report, with a nice total around $2,500 now I'm assuming because of interest fees and such. My fiance and I recently just purchased our first home and I am in the market to be buying a new car. Everywhere I go denies me because of my credit. I have fixed everything with my school loans and have worked a deal out with the Department of Education now it's just trying to clean up the rest. Basically what I am asking is, can I be held accountable for the debt, being that I was a minor and only 16 at the time when they approved me for the card. I do know that it was my own fault for applying and receiving but, shouldn't they have done some more research on me before they approved me? I mean they did have my social so they could have checked my age and everything. Any help would be appreciated and thanks for your time in advance! -Paula
  5. I've been dealing with Johnson Mark for almost a year now. They requested 6 years worth of bank records in discovery, I stated that it was overly burdensome and not related to the case. We went to pre trial where I told them if I could find the information that I would provide it but couldn't make any guarantees. In May 2013 I received a request for sanctions stating that I did not comply with a court order to send the bank records. I replied stating that I never received any court order, motion to compel or any word at all from them in over 5 months. I then received a letter from them rescinding their request for sanctions. As of yesterday I have received another request for sanctions because I haven't given them the bank records. Can they do this???? I never saw a motion to compel, never had the chance to dispute the motion and the court just stamped a order for me to provide documentation!!! If I provide the information will it destroy my case? I have been fighting the case based on the fact that the plaintiff has not provided me with any proof they own this "debt" and have only provided me with copies of an electronic statement with transactions and my name/address. I sent them a discovery request for proof of ownership and they came back stating that I didn't submit my request correctly so they didn't have to answer me. As far as I can tell I did submit it correctly. If they had the proof they needed wouldn't they have just requested a trial and been done with it? Thanks for any help someone can provide!!!
  6. So I went to court today, filed my paperwork for my dueling affidavit and got my assed handed to me. The judge said they had standing and I outright denied me saying they've proved standing in Washington State. So what do I do now? I owe them apparently 2600 dollars which is 3 times the amount of the original card in question.
  7. I recently got a bill for 2K in ER bills couple months ago, and I JUST received almost $20K in ER for another stay from earlier this month. I plan on talking to patient resources tomorrow, but I want to know all my options and best way to proceed. I definitely do not plan on doing this anymore and am kicking myself for not having health insurance as it would have been much easier to just take care of it that way. Now, whats done is done, i definitely will be more careful. Is this worth declaring BK for? I have been unemployed last two years, and recently got a job. I do not want my employer to find out, I am on a 1099 and create my own business and leads through sales and am just starting to get some traction so i know i can do a good job. However I am already in debt and paying off credit card debt from college, and do not know what to do. any advice would be helpful (btw, I think this is the right forum to be posting on?)
  8. I have one open collection left on my credit reports. It's something I don't really feel I owe but I don't have evidence of this so that's a story for another day. My question is, what is my best option if I can pay the full $800? It still has about 3.5 years before it will age off and I'd like to just take care of it. The DC is not being helpful and I don't want a "settled in full." I basically have admitted I owe it and it's very obvious that it's my debt. They refused to PFD for $500. Should I ask for a PFD or just tell them I'll pay the full amount if they report it as "Paid in Full?" Is there another option, like to have it show up as paid as agreed? Or is that not possible because it is the collector that is reporting it? Thanks!
  9. Hello Everyone, I just came across this forum 2 days ago and it has been the best information gatherer out there. I have a major decision to make and would love anyone’s input or opinions! Me and my wife have been struggling with paying our minimum CC payment for the last year, but so far we have not missed one payment and are up to date on all of our accounts. Here is a summary of the accounts: Bank Name Min. Payment Balance Interest Citi Card I $93.00 $6,238.85 17.90% Citi Card II $26.88 $3,196.28 24.50% Chase I $37.00 $3,821.33 18.00% Chase II $28.00 $2,836.81 19.00% Prosper Loan $395.79 $8,595.10 14.50% Total: $580.67 $24,688.37 We are going to incur some serious medical expenses from now till August (High Risk Pregnancy) and we are thinking of stopping on all of our payments and try to settle with the creditors ourselves. We have approx. $10,000 right now that we can use for settlements plus the $580.67 per month from now till 4 months (my goal would be to settle with the OC before it goes to collections) would equal a total of approx.$ 12,300.00 to use for settling these accounts, is this reasonable? With my current income and the debt that we will incur via medical bills we are going to have to stop paying in 6 months anyway so I’d rather stop now save that money for a settlement. A couple things to clarify: 1. I DO NOT care if my Credit score goes to Zero! 2. I would be happy with settling these accounts @ 40% or less 3. I look forward to documenting everything and handling the calls and letters. 4. I do not want to be sued or taken to court if possible 5. I do not own any assets (No home, or Car) 6. I have close to $10,000 saved in cash (to be used for Settlements/ Medical expenses) 7. I should be able to prove that I am delinquent at the end of this year so a 1099-C will not affect me My main goal is to just get rid of these pesky irritating credit cards and to NEVER get them again. Right now I plan on stopping all payments by this next month (March) and close down my account with my current bank where I do all my payments with (ACH) on all 5 accounts. Then do all my banking with a different local bank. (I already have an established account) I also am thinking of withdrawing all of my money that I currently have and keeping everything in cash while I go through this ordeal. I also want to get a Cheap pre-paid phone and change all my accounts to that phone # (that way I will know anytime that phone rings I know who it is PLEASE GIVE ME ANY IDEAS/ SUGGESTIONS THAT I SHOULD BE DOING BEFORE I STOP ANY PAYMENTS! Thanks everyone for the help I Strive to learn!
  10. Hi everyone, I got a letter in the mail yesterday from a local attorney office stating that I am being sued for money due. This attorney office wants to represent me but I have NOT been served papers yet. I went to the Court website and i see the case was filed May 9th 2013, There is no court date and no papers have been served. I have not owned a credit card in over 6 years. Isn't this debt passed the Statute of Limitations? I recently bought a house in 2011 and I'm guessing they must see that as assets they can seize to pay this debt. I don't understand why this came up all the sudden? I was reading other cases on this site and someone said that a creditor will actually make a small payment on an old account to restart the SOL? is this TRUE? how can they get away with that? Is there anyway to file a motion to dismiss this case before I am served Papers? I don't have money to even pay a Lawyer. I am on Unemployment now cause i lost my job back in February. I want to squash this before it even goes to court. I literally have NO money. What can I do? Any suggestions will be greatly appreciated.
  11. 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 trying to deal with this without spiraling back into the depression so any help would be appreciated. Thank you beforehand! - CAPITAL ONE BANK VS P - Complaints/Parties Complaint Number: 0001 — COT Complaint (Collection - Temecula) of CAPITAL ONE BANK USA NA Original Filing Date: 02/03/2010 Complaint Status: Judgment 06/25/2010 Party Number Party Type Party Name Attorney Party Status 1 Plaintiff CAPITAL ONE BANK USA NA AEB Judgment 06/25/2010 2 Defendant J P Unrepresented DEFAULT/JUDGMENT ENTERED 06/25/2010 - Actions/Minutes Top of Form Bottom of Form Viewed Date Action Text Disposition Image 06/22/2020 8:30 AM DATE TO SET OSC RE DESTRUCTION OF FILE (JUDGMENT) 08/22/2013 10:00 AM HEARING RE: ORDER TO SHOW CAUSE WHY SANCTIONS SHOULD NOT BE ISSUED AGAINST PLAINTIFF FOR FAILURE TO FILE DEFAULT JUDGMENT PURSUANT TO CRC 3.740 (TEMECULA). Vacated Minutes 08/30/2010 ABSTRACT OF JUDGMENT ISSUED Not Applicable N 06/25/2010 JUDGMENT BY DEFAULT BY CLERK FILED 06/25/10 Not Applicable Top of Form Bottom of Form N 06/11/2010 REQUEST FOR ENTRY OF DEFAULT AND CLERK'S JUDGMENT ON THE COMPLAINT (COLLECTION - TEMECULA) FILED 02/03/2010 OF CAPITAL ONE BANK USA NA AS TO J P Not Applicable Top of Form Bottom of Form N 06/11/2010 REQUEST FOR DISMISSAL OF DOES/ROES ON THE COMPLAINT (COLLECTION - TEMECULA) FILED 02/03/2010 OF CAPITAL ONE BANK USA NA Not Applicable Top of Form Bottom of Form N 06/11/2010 DECLARATION RE COSTS PURSUANT TO C.C.P. 1033 FILED BY CAPITAL ONE BANK USA NA Not Applicable Top of Form Bottom of Form N 02/24/2010 PROOF OF SERVICE ON THE COMPLAINT (COLLECTION - TEMECULA) FILED 02/03/2010 OF CAPITAL ONE BANK USA NA SERVED ON J P WITH SERVICE DATE OF 02/20/10 FILED.(PERSONAL SERVICE) Not Applicable Top of Form Bottom of Form N 02/03/2010 SUMMONS ISSUED ON COMPLAINT (COLLECTION - TEMECULA) FILED 02/03/2010 OF CAPITAL ONE BANK USA NA AND FILED. Not Applicable Top of Form Bottom of Form N 02/03/2010 CERTIFICATE OF COUNSEL FILED. Not Applicable Top of Form Bottom of Form 02/03/2010 HEARING RE OSC FOR FAILURE TO FILE DEFAULT JUDGMENT SET 8/22/13 AT 10:00 IN DEPT. T1. 02/03/2010 COMPLAINT AND PARTY INFORMATION ENTERED - COLLECTION - TEMECULA. Not Applicable 02/03/2010 DIRECTLY ASSIGNED TO DEPARTMENT T1 FOR CASE MANAGEMENT PURPOSES (COLLECTION) TEMECULA. Minutes NOTICE SENT TO E A B ON 2/05/10 N 02/03/2010 LIMITED CIVIL-GENERAL CIVIL COMPLAINT FOR COLLECTION UNDER $10,000 CRC 3.740 FILED Not Applicable Top of Form Bottom of Form Minutes Receipt: $235.00 - Pending Hearings Date Action Text Disposition Image 08/22/2013 10:00 AM DEPT. T1 HEARING RE: ORDER TO SHOW CAUSE WHY SANCTIONS SHOULD NOT BE ISSUED AGAINST PLAINTIFF FOR FAILURE TO FILE DEFAULT JUDGMENT PURSUANT TO CRC 3.740 (TEMECULA). Vacated 06/22/2020 8:30 AM DEPT. TEDST DATE TO SET OSC RE DESTRUCTION OF FILE (JUDGMENT)
  12. This site was recommended by someone who was helped with foreclosure issues. I'm going to see if they can help with my BK7 consideration. This is NOT a debt consolidation site. http://www.lenderassistancenetwork.com/1.html Good luck to all of us!
  13. Hey I know there are many postings with stock settlement letters, but I just wanted to get an opinion on this one because I've read that it's almost better to make it "personal." Also, I wanted it to get through that this offer is all that I can afford. The debt is for $800. A couple of months ago I sent a PFD request for $250. They called and said they would not do PFD or even Paid in Full. They would only do settled in full. At this point, I just don't want any more open collections on my CR. She also said $250 would not be enough. So, I said I would call back after I thought over my options. Would sending this following letter suffice? I really can only afford about $350 - $400 for this. Is there anything I should add/change/etc? Thanks in advance for advice. Dear Donna Rose This letter is a follow-up to a conversation we had recently regarding my account. I am working very hard to clear up my past financial transgressions and I would like to settle this debt. I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. I am willing to pay $350 to settle this debt in full. In return for my payment, you agree to report this account as settled in full to all of the credit reporting agencies within ten calendar days of payment. If you agree to the terms, I will send certified payment in the amount of $350 payable to NHNE CREDIT SERVICES. Furthermore, NHNE CREDIT SERVICES agrees to never at any time in the future place any information on my credit report. For both of our convenience, I would like to take care of this as soon as possible. Unfortunately, $350 is the absolute maximum I am able to pay, as that is literally all that I have in my bank account. If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of NHNE CREDIT SERVICES, IN. Sincerely, (My name)
  14. 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?
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