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Found 6 results

  1. Question: Can I call them to start the conversation and indicate that I want to settle? Understanding that all must be in writing from them before payment/etc. Texas resident. I am trying to figure out my best next steps. I have two accounts in collections from 2013/14 when I was unemployed. I let my fear and shame rule me, so I did not talk to my creditors at the time, and have since then been at a complete loss as to how to proceed. I am now determined to get ahead of these. My finances are now back to where I can make payments and can Dave Ramsey-style pay off all my credit card
  2. Hello, I was served a Complaint by Patenaude & Felix (in January) suing me for an account on a credit card debt with Capital One and I have already answered with a general denial. I was already skeptical about Patenaude & Felix's validity, but now my hunch has gotten even greater. I just got a letter in the mail from Capital One stating , "Thank you for contacting us.. (which I have not contacted them) ...and "Your credit card account was acquired by Portfolio Recovery Associates, LLC ." "Portfolio Recovery Associates, LLC now owns your account and may contact you either directly
  3. I have a two part question and request for guidance: 1. I was served today with a summons from a Collection Company, first off by a processor who was wearing a badge (stating my city pd - not their normal badge) & wearing a gun on his hip. As it did not seem right and i was not home at the time, he approached my neighbor asking if she was me - when she stated she did no know me he continued to ask and insist she was (he was at the wrong house to begin with). She called me and we both contacted the local authorities who arrived with backup - once they were there - more were requested - in
  4. ​ Hello, I'm being sued by Cavalry Spv and I don't know what to do. I have already missed a court date and and did received another letter that states "request for default" The lawsuit is in Massachusetts Can someone please advise me what steps should I take next. Thanks Rob
  5. I been sue by Capital one bank , I got the request for productions , i have no idea how to answer any help will be appreciate thank you . 1. All DOCUMENTS containing proof of payments not properly credited to Defendant's CAPITAL ONE BANK ( USA ) , N.A credit card account with Plaintiff which is the subject matter of this lawsuit. 2. All copies of cancelled checks , money orders or other payments made to Plaintiff made by Defendant or someone on her behalf but nor properly credited to the Defendant's CAPITAL ONE BANK ( USA ) , N.A credit card which is the subject matter of this lawsuit .
  6. Hello I'm a newbie residing in CA. I've been following various threads on this forum for about a month now and I can't begin to tell you how much hope it's given me in regard to dealing with my JDB law suit. It is comforting to have found a community of people who have dealt with similar issues and are so willing to help/share strategies with a stranger. Everything I've read says it's not going to be easy, but that it can be done with diligence and perseverance! With the help and support of this forum I believe I will succeed. And if not, at least I've learned a lot and will be more prepar