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Found 6 results

  1. I recently filed my opening brief in the 9th circuit court of appeals because I once again got railroaded in kangaroo court (Phoenix federal court). The brief is posted at http://creditsuit.org and involves numerous FDCPA, FCRA and discovery issues. I worked on it for 2 weeks straight and bought the NCLC FCRA and FDCPA subscriptions, but just ran out of time and am still looking for case law on several issues for my reply brief. 1) The importance of Equifax's date of first delinquency (aka date of last activity or DLA). My claim got dismissed because they argued that as per FCRA
  2. I received a letter today from CACH, everyone's best friend, and was sure it was something bad. Back in April of last year I actually settled an old US Bank CC account with CACH because I had just been sued by Unifund and hadn't found this board yet. I panicked when I realized I might have two lawsuits on my hands and it was very small compared to the other account. So, I made it go away. In any case, the letter says that new information about the account has surfaced, that I was overcharged by US Bank as far as interest added, and that any amount calculated to have been overcharged would
  3. Hello I have some questions regarding my student loans. I know there are government loans and private loans. My government loans were garnished until a certain period of time, and then I proceeded to pay them off (on top of my garnishments). The private loans are held through Sallie Mae, and being that they're private they do not garnish. Instead, Sallie Mae has continued to hit me with very high interest rates at which are doubling and tripling my total amount due over the years. I can no longer run and hide, the more I hide the sooner my loans reach $100k mark. I am confused and not sure wha
  4. I have a question about this, if you're settling say... and old apartment debit with a CA. This debit is past SOL and you're paying it in order to clear the road for an eventual mortgage. What happens if the CA has tacked on unreasonable or even illegal levels of interest and you settle for nickels on dollars? Would this 1099-C reflect the difference between the original debit or the possible illegal interest?
  5. I have paid, consistently, $40 per week to rid myself of student loans. Now, my MONTHLY payment amount is $39.90. What I have ACTUALLY been paying per month is $160. And YET, on my last student loan statement, of that $160, only $16.55 went to pay off the principal balance. WTF?! I'm going back in time, and based on these payments, I should have paid off at least $1100 (rounding) in principal, and a few hundred in interest. This has not been the case. Last year's $1465 in total payments against a $5500 student loan as resulted in only a reduction of $551 in principal. (Keep in mind, my a
  6. Texas, under it's state version of the debt collection act allows as a remedy for violations of it's rules the ability to sue for "actual damages". What could one claim as "actual damages" when the jdb violates the law by "attempting to collect interest" that is not "expressly authorized by the agreement? I have proof from multiple mailings that the JDB is adding about 21% interest per year to the balance of the alleged debt. I would like to sue them for this, but I don't know what actual damages would arise from them jacking up the amount allegedly owed. Any ideas? Here is the law they