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  1. Back in 2013 I had successfully defeated BoA and FIA card services in court over an alleged credit card debt that was and isn't mine. These guys will not correct my credit report even after their lawyers stated they would in their stipulation of discontinuance of their suit against me after I won the case. Now I feel like I have no choice but to sue them in district court. I'm not entirely positive whether I should file a civil claim or a small claim against them for violations of the FCRA/FDCPA... So any advice I could get would be completely appreciated. I have defended myself in cour
  2. Nose Job/Rhinoplasty: The Best Way I am in desperate need of a nose job and have been needing one for years. I'm just now focusing on getting my credit score/report in line because I realize that's basically the only way to do it. My nose has caused me a lot of anxiety/depression problems in the past and I'm finally trying my best to do something about it. I'm currently paying off all my debt and then plan on building my credit score with a some credit cards (like two maybe) until my score is high enough to get approved for CareCredit (which is a medical credit card that covers cosmetic s
  3. Hey All! Seriously need help! So stressful with this situation on top of having one lung (hot weather is tough!) and a 93 year old father with dementia that I advocate for - he just got out of the hospital yesterday, after being there for two weeks for emergency surgery. I have to answer the pretrial statement by Monday. I have been reading about a motion to dismiss, but with Covid, everything is short staffed at the courts. The courts told me not to do a motion to dismiss. Is anyone familiar with FIFTH THIRD, Jefferson Capital Systems, Trak America and/or Stillman La
  4. Hello, I was sued last September by PRA in Arizona for slightly over $2K for a Barclay's Card account. MTC Arbitration was granted by the Justice Court in December, and I went ahead and filed an arbitration case with AAA (per the CC agreement) this January 24th. After a couple of requests by AAA to PRA in Febuary for the $300 filing fee and $2500 arbitrator's deposit, PRA paid up the $2800 and I received the initiation email from AAA on March 9. Currently AAA is awaiting an "Initial List of People, Firms, Companies, and/or Groups Involved in the Arbitration" form from both parties due the 1
  5. Hi all, So forgive me; it's been awhile since I've had credit problems, but last year was a rough one... SO I had two cards with capital one that both charged off about 6 months ago...... I just got a letter dated 1/18 that says "My account was acquired by Sherman Originators III, LLC on 1/17." And that they own my account and may contact me yata yata.... a) trying to not panic that I will receive a summons 😱😱 b ) I am totally wanting to pay these off. One is for 733.00 and the other for about 1200.00 My finances are kind of tight as I've been pa
  6. Long story short, I am three months behind on one of my credit cards which has a hefty balance. I can't seem to make any payment arrangements with Bank of America. Recently I learned I will be getting a significant inheritance. (Enough to MORE than pay off the balance on all my credit cards.) The problem is I have to wait for the inheritance and there MAY be probate (we don't know yet). Probate could take months. I don't think it will be years, but who knows? My question is, how do I buy time until I can get the money and pay everything off? I am thinking of asking a family member fo
  7. Hi Everyone, I am being sued by Capital one bank & Hunt & Henriques. My former roommate informed me that I received a letter of intent to sue from Hunt & Henriques. I am currently not living at the address they are sending mail to anymore. Because of this i have been checking the small claims website to see if my name would pop up and when i check it today it did! A few years ago I was going through very hard times and was living off of 2 CC's. My life is now moving in a positive direction, working + going to school full time, but I currently have no money to pay
  8. Hello everyone, This is my second time around. And I need your help. You see, I'm being sued for two credit card debts. One for Citi and another for Tj Maxx. I called the law firm that is taking on both cases. But as I'm reading the reviews they will go after me even if I negotiated with them. They'll still have the courts continue with a judgment. So I'm here begging to please help me write a response. Any advice would be well appreciated. I also have the copies of the contract the law firm sent. Should I attach it to my response as prove? If you have any questions please let me know. I
  9. Hi all, I've relied on this site for the last 2 years when I first found numerous errors. I thank you for the solid advice I have found here, which has empowered me to clean up everything but this last item. This chargeoff is a little unique so I am not sure how other chargeoff posts relate to it. It is probably a valid account though I question the amount. It will fall off my report in July 2018, but I would want to pay what I owe legitimately, as a matter of personal integrity unless it exposes me to new illegitimate credit issues. Background: In 2008 I bought a MINI Cooper and w
  10. My father recently received a Citation for the Debt Claim Case in Texas. I was wondering, if someone can help with the response for it. Please let me know, what information you need I can provide. I appreciate your help and response Thanks 1. Who is the named plaintiff in the suit? Discover Bank 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Raush, Strum, Israel, Enderson & Hornik LLC 3. How much are you being sued for? $7000/- 4. Who is the original creditor? (if not the Plaintiff) Discover B
  11. Yesterday, I've a voice message requiring my an attention to "very serious matter". Oh, here we go again. I decided to go ahead and called them back. Attorney: Nelson, Cruz and Associates (Dallas, TX) Client: Hovot Management LLC (Collection Agency) Creditor: MERVYN'S [Charge Card] File No: 2016-xxxx Current Balance: $875.58 I live in Arizona. According my old credit reports (TU, Experian and Equifax), I made the last payment in December 2008. I am not sure if I have on paper these old 2008 "OK", past-due Mervyn's statements and subsequent collection letters. This C
  12. I received a summons from a Credit Union I use to bank with, in Texas. The Petition states the Credit Union as the Plaintiff, as it has not been sold to a debt collector. I am being sued for an amount between $5,000 and $10,000 due to credit card debt. The petition states the Plaintiff intends to conduct discovery. The Petition provided a generalized credit card agreement between "defendants" and "plaintiff", however there are no account numbers, no signatures of omission from defendants. or any documents provided. Does this mean they may or may not have access to more definit
  13. I happened to be at my parents house yesterday (friday june 9) and opened up what seemed like a innocent white envelope addressed to me. Turns out it is a Citation to Discover Assets to a Third Party. The third party is US Bank, where I have my personal checking and savings account. Both have either been frozen or cleaned out by Asset Acceptance, I have recently discovered. The court date is this Tuesday (June 13) I cannot make this court date, but need information hopefully by Monday so I can figure out what to do. This is really difficult with it being a weekend! The debt is over
  14. Can anyone guide me with answering this summons and copy of complaint. I got a credit card with my son as a co signer for him to use to purchases a medical device. He hasn't been able to pay it and i'm getting sued. I have 20 days to answer.
  15. I have four credit card accounts that are maxed out. 3 are $12k each, 1 is $30k. I have gotten some money and so can make payment and reduce the balances. I do not have enough to get all accounts below 30% (Debt to Line), But can make some accounts under 30% and the rest below 50%. Which scenario improves my credit score the most? Make the three smaller accounts below 30 %, and the larger account below 50%. or Make the larger account below 30%, and the smaller accounts below 50% Please advise?
  16. I have a question about Missouri's somewhat confusing statutes of limitations on the collection of credit card debt. RSMo 516.110 states: Within ten years: (1) An action upon any writing, whether sealed or unsealed, for the payment of money or property; While RSMo 516.120 states: Within five years: (1) All actions upon contracts, obligations or liabilities, express or implied, except those mentioned in section 516.110, and except upon judgments or decrees of a court of record, and except where a different time is herein limited; My question: which
  17. In 2008, I was in the market for some furniture and wanted to build up my credit. I decided to go to Rooms-to-Go. After picking out a set I liked, I sat down with the salesman to negotiate the terms of the loan. I explained that my current budget wouldn't allow me to go over $80.00 per month and he said he understood. I signed my name and the furniture was promptly delivered to my home. A few weeks later, I received my first bill. It was about three times as much as I could reasonably afford. I immediately called Rooms-to-Go and requested to speak to a manager. I explained the situation, what
  18. Hi All, My wife is being sued in FL by Prortfolio Recovery Associates LLC. She received a summons to appear for a pre-trial conference next week. This is in small claims court in Pinellas county, FL. We are being sued for about $1,400. My wife is required to appear next Tuesday and the summons says; The purpose of the pre-trial conference is to record your appearance, to determine the nature of the case, and to set the case for trial if the case cannot be resolved at the pre-trial conference. It also states that she may be ordered to mediation at the pre-trial conference. The origina
  19. Excellent article on how to raise your credit score, and the major components affecting your score. How to Raise Your Credit Score, Fast
  20. A secured credit card's minimum deposit is usually two or three hundred dollars. Is it better for your score if you buy yourself a limit of say $800.00 rather than getting the minimum of two or three hundred? Is having and responsibly using multiple secured cards better for your score?
  21. Happy Thanksgiving to All! I am being pursued for a lawsuit against Mandarich Law on behalf of Cach, LLC. The suit is for just over $1,000.00 dollars. The debt stems from years ago. I belive i do fall within the statute of limitations as it looks like in Feb. 2016, is the 6 year mark (i believe the SOL is 6 years here in Oregon) I'm looking for all of your input from experiences as i need as much guidence and help as possible. I've reached out to @Mrj9182 and have been met with great kindness and offerings of heroism to which I'm so thankful for! ANY of you folks who are willing to chi
  22. I have used the maximum amount of credit card limits if that makes sense. I have not maxed out each credit card but I have the maximum amount of credit limit allowed when you add them up apparently. My question is: I just payed off a credit card that had an $8000 limit. Will this help open up some credit that I can use. For instance I am now getting denied for credit card applications since I am "at my max" but will paying off the $8000 limit credit card help me? Any insight is greatly appreciated. Thanks.
  23. I recently got served with papers from American Express, telling me I am being sued for a little over $5000. I am in the middle of selling my house and I cannot afford to pay this upfront. However, I can afford to pay it on February 4th, 2016. Should I tell them that or tell them that it may be sooner if my house sells earlier? Will that keep us out of court? Help, please! I am so confused. Information You need to answer this.docx
  24. Hey all. I'm in a bit of a predicament. Let me start from the beginning: My daughter was born last February with an extremely rare skin condition. My mother agreed to help out by taking over my card payments. She didn't and waited until they threatened legal action to tell me. I called them and got the legal action dropped. Lesson learned, but now what? My credit rating is in shambles and I'm going to have to pay a ridiculous monthly payment to get back on track. My balance is almost $3,000 at this point and with a little one with a rare medical condition, I can't afford those kind of payments
  25. Hi Everyone, Last year my father had a botched surgery which resulted in stroke as well as short term memory loss. Since this occurred my sister and I have tried our best to make sense of his accounts and found out he had more debt than could be handle with the medical situation. One of those accounts being Municipal Credit Union which my parents had a checking account and visa card. I believe also a LOC, but not sure. Once I actually got hold of the account(s) the credit card was apparently behind by two months with the minimum payment of over $800-900. The union actually had the nerve t