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Found 6 results

  1. I'd love some help from you guys. I got a summons and complaint 7 days ago. I've literally been doing nothing but researching for the past week. Also, I applied for legal aid, but have little hope they will help. They aren't even slated to contact me until next week. I'm going to be honest with you guys. I need a hand to hold. I have no idea what I'm supposed to do and it feels like a bottomless pit. I have a couple weeks until the deadline. So here are the facts, thus far: 1. I received a summons and complaint between my screen door and main door -along with the busin
  2. I recently received a letter from an attorney's office in Princeton NJ (Schachtner Portney LLC) for a debt bought by Calvary Portfolio Services. The OC is Citibank. The attorney sent back the last credit card statements from Citibank as well as the documents proving that CPS purchased my debt as part of a bundle of junk debt. At this point, I am planning to send a letter to begin settlement negotiation. The amount of the debt is $3,000.00 and the SOL doesn't end until Sept. 2018. My initial settlement offer will be 20%, which is $600.00. Based on reading other posts, I have been checking my co
  3. I recently found a few accounts in collection for medical bills... I disputed with credit bureaus first, then I sent a debt verification letter following the letter sample on this site. I just received a reply from the CA . They replied with a partial verification, they claim the money I owe is for doctors and medical services I received at the hospital ER a year and a half ago, but they did not provide me with copies of any papers that show I agreed to pay what they claim I owe,also they did not show verification that they are licensed to collect in my state and did not provide me with any
  4. Last week, in Haddad v. Alexander, Zelmanski, Danner & Fioritto, PLLC, — F. 3d — Cir. 2014), 2014 WL 3440174 (6th Cir. Mich. 2014), 2014 U.S. App. LEXIS 13498, the Sixth Circuit expanded the requirement for how a debt collector must respond to a debtor’s request for verification of a debt under the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”), creating the most consumer-friendly verification standard ever. http://www.insidearm.com/daily/sixth-circuit-broadens-fdcpa-verification-requirements-for-debt-collectors/ http://www.michbar.org/e-journal/072114.cfm
  5. Question. My son had some dental work about a year ago and we were quoted a number for the services, insurance picking up the rest. We paid upfront what we were told the cost was. A while later, we received a bill for almost double what we were originally quoted asking for the balance. Fast forward, I tried to work this out with the dentists office to no avail. They sent me a letter about a month ago stating the section of the IRS tax code regarding discharged debt, and that they were going t report it to the IRS as a 1099 MISC income. Then they said they were going to turn it over to a collec