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Found 4 results

  1. hi! New here and trying to figure out what to do. would love input of this amazing group of people! I have an attorney but not sure am getting the best advice. Trial set for two weeks away. B of A suing through Nelson & Kennard. I've been told that since a law passed in 2014 requiring junk debt collectors to have more documentation to get their money, that card companies can no longer sell their debt as easily and so they are holding on to the debt and going after it more aggressively with firms like Nelson & Kennard. They produced statements and as well have an affadavit from
  2. I tried to get a home loan back in 2012/13. When they pulled up my credit report, there was two accounts from BoA on there that I had no recollection of. I disputed those items on my credit report and they came back verified. A few months later, I was hit with a hold on my funds in my bank account... Fast forward a month and I find out that BoA had received a default judgement against me in court. I go to the court and request all the information regarding their complaint and proof of service. I find out that their "proof of service" was no proof at all. They served someone who wasn't
  3. Hi guys, so I opened a CC when I was 18 (2008) for some reason they gave me a huge limit I was careless and now I am being sued. I did a lot of research in the forum and think I still might have a chance, but this is where I ask you guys who have way more experience in this then I do. I noticed that I should have sent a "DV letter" to the lawyer however I never received anything before the summons, I def. would have sent it and sent the case right into arbitration but now I have 20 days to respond to the complaint and provide my answers and it's too late to ask for a "DV Letter" I know that i
  4. Hi, This is my first time posting. My husband and I are in extreme financial hardship. He's been out of work for over a year now. However, we are current on our mortgage and I am current on all of MY credit cards and a personal loan except one (min payments only). Sallie Mae student loan is being deferred due to financial hardship. Bank of America is the only debtor that I am severely late on. My minimum payment jumped to $1000 a month back in March 2010 and I could no long afford to pay it. The mortgage had to come first. The total BOA credit card debt is $39,000. This is a Sallie M