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Found 6 results

  1. Question: Does it matter if the collections attorney is lying about who they represent if I know they now DO own the debt? Am I right that they own the debt? Texas resident. . 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. I have also applied for a Lending Club loan in order to pay all at once, but I don't think I will b
  2. I was recently sent garnishment papers and I complied with them. My employer started taking out the 25% with my last check. This was on my Sept 23rd check. Today I get a call from my bank saying I have been garnished and they have taken all the money out of my account. I called the lawyer and asked why I was being double dipped on this garnishment. And also why they garnished my bank without telling me. Her exact words, We send out the garnishment to the bank and to my employer because we don't know which one will pay. They got my 25% already. I asked them to please contact my bank and release
  3. 1. Who is the named plaintiff in the suit? Capital One Bank (USA), N.A. 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Michael J. Scott & Associates (Scott & Associates) 3. How much are you being sued for? $2427.17 4. Who is the original creditor? (if not the Plaintiff) 5. How do you know you are being sued? (You were served, right?) Served Papers 6. How were you served? (Mail, In person, Notice on door) In Person 7. Was the service legal as required by your state? Proc
  4. I haven't seen this covered so I am going to start this new thread.... My daughter-in-law has an account that was opened with her parents when she was 16. Since she was a minor the bank required her parents to be on the account...that was @ 10 years ago. Her divorced parent's names are still on the account. Fast forward to last week, my DIL was paid and attempted to pay some of her bills and found that about 30% of the account had an "administrative freeze" put on it. The bank couldn't tell her what it was til the next day...then they told her it was someone collecting money from her mot
  5. I have a default money judgment against me from midland funding at civil court in NY, however I was never served because they used my old address. Now I've received a letter from my bank stating they are going to allow the plaintiff to garnish my bank account in 20 days. 1. What do I ask for in my order to show cause? 2. I was advised to file a stay enforcement. What is this? 3. When and how can I ask for proof from the plaintiff? Any advice will be appreciated.
  6. I lost a judgement to Discover about two years ago for around $4,000 plus attorney fees, and nothing has ever come of it. I think I got one letter after the summary judgement asking to contact them to negotiate, and once last year saying you can use your tax refunds to negotiate a payment, and that's been it. No other contact. In the meantime, I've basically kept my bank account as low as possible, only putting money in to pay electronic transfers on my car insurance and stuff. I've been recently saving money though, and am collecting a nice pile of paychecks that I have yet to deposit or ca