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Found 6 results

  1. www.fairusenotabuse check it out. There a group on here Bridges, Kleber that got default judgment on my personal service g me at the wrong address???!!! Whom how does that win and u think easily reopen to b heardno!!! Looking hard for lawyer license in GA help me!!http://www.fairusenotabuse.com/bridgers-peters-kleber-debt-collection-law-firm-debt-buyers/
  2. Hi guys, I previously posted about two collections I have with PRA regarding credit card debts and was directed to speak a lawyer here in TN. I was given the advice to dispute the collections with the CRAs and once they reply to notify him Well it has been almost five days since I notified him of the results and I have not been given a reply. At this point I feel like trying to fight it is not worth it. I fear getting sued and then not being able to find a attorney to fight it and getting a judgement. Can anyone provide any advice on how I should approach PRA? I have filed a dispute with CFPB and am waiting for the results of that. If the outcome is not favorable then I think I will go ahead and try to settle the matter. Please tell me how I should go about getting this handled. I am so angry that this company is going to make money off of my financial misfortune.
  3. When a JDB calls sometimes they will ask for you by first name, then press you like is this Mrs - then when you say whos calling, they dont say, they just say is this Mrs.?? Then I have said I dont know who you are (never tell them my name), then they say the name of the company, and then say this call is being recorded. Is it legal to record the call before you even get a chance to say- Do not call this phone again. Can you ask that the call not be recorded- is it legal for me to say I am going to record this conversation too?. How do you record a cell phone conversation anyway ?
  4. Hi Everyone, I apologize in advance if I am in the wrong forum. I am posting on behalf of a dear friend of mine. Here is what I know: We are in Arizona 2007 Refinanced and took out second mortgage 1st = 200K 2nd = 85K Approx 2009 they filed Chapter 7 which included discharging the 2nd mortgage (Nov 2010). They were advised at that point to file Chapter 13 a few months later to remove the lien on the second, but they never did. Fast forward almost 4 years later. They are CURRENT on their first mortgage with a balance of approx $180 They received a letter from Trustee Corps the trustee for "Partners for Payment relief" stating they will foreclose on the SECOND mortgage unless they do one of the following: do a loan mod with PPR, forebearance, Deed in Lieu, repayment plan, reinstatement of loan, short sale, assumption of loan. Basically give us your house. The biggest unbknown right now is whether they have equity or not. googled PPR and they sound REALLY BAD. Here's a page a found: http://www.complaints.com/2012/janu...ss_with_Partner_s_for_Payment_Reli_263057.htm Sounds like JDB to me Looked at county recorded docs and they have indeed foreclosed on people here in AZ. And the paper trail is ridiculous: Bank assigns to a trustee, trustee assigns to PPR, PPR assigns to Trustee Corps, Trustee Corp files foreclosure sale paperwork, foreclosure occurs, Trustee Corps assigns back to PPR. In some cases PPR assigns deed to some investor (this may be the assumption part), who then may foreclose. They also have a few lawsuits out there in AZ and other states. What I am wondering is there anything they can do besides a Chap 13 (so long as they are underwater on the first) or 11 to stop the foreclosure. I posted on "lawyer will answer your question" website and one lawyer stated: We have had some discharged lenders holding second mortgages and their debt buyers threaten foreclosure even though the debts were largely or entirely under water. We have suggested to them that this technique is a violation of the discharge order since it is a bad faith effort to force collection of a discharged debt. We have also suggested to the debt buyers that they are violating the FDCPA as well. So far, they have all backed off. Anybody ever deal with this? Sued people like this? Won? It seems like this should be illegal, but I havent heard that yet since the second lein is still in place. I also believe this is going to be a big thing in the near future - Note buyers on defaulted mortgages - since some housing areas are on the comeback. Thanks Much in advance
  5. Dear Legal Brains, I am trusting that with your vast legal knowledge, I will be able to get some solid and actionable advice on a case that I previously thought was dead. I'll do my best to keep it short and sweet. First, let me state that I live in Tennessee, so that you know what state laws I am working under. Last November, I was taken to court for a credit card debt from Chase. I entered my sworn denial, requested the necessary items of discovery and refused to be one of the people who simply bent over and offered to pay the debt. I showed up for court (the third scheduled date we had due to them not having the paperwork I requested) and discovered that good old Comprehensive Legal Solutions had decided to hire a local lawyer to represent them in my case. This arrogant lawyer asked me if I "didn't just want to go ahead and agree to a payment plan" for the debt and, when I said NO, he told me that we would be going to trial that day. I told him that was fine by me. He then said that we had to wait an hour or so because he "had a reliable witness coming in from North Carolina who worked with Chase and knew the case intimately." Again, I told him I'd be happy to wait for this distinguished guest of his so that we could go see the judge. Once the idiot witness showed up, we went before the judge and, as I suspected, they had nothing. There was no chain of purchase, they had no original signed contract (the witness said that I had mysteriously signed up for this card online and they don't need a signature or personal info if you obtain a card online...yeah, okay) and they certainly could not produce any documentation showing I ever made a payment on this account. They also had no accounting info showing how they came up with the amount that they swore I owed, which was $3982.37. After hearing a few moments of this nonsense, the judge dismissed with prejudice. Win for the little lady!! So, yesterday I got a letter in the mail from a new JDB called CreditOne, LLC. Here's where this gets funky. It's for the same debt from Chase that was dismissed almost a year ago, BUT instead of the debt being right around $4,000...this one is for (hold on to your seats) $13,279.35!!! The only thing that I can figure is that Comp. Legal Sol. tacked about $10,000 on to the debt they alleged I owed, since that was approximately what they paid for the local lawyer they hired in the first place. I am absolutely flabbergasted that this is happening and can't imagine that this is legal. My questions for you are: What the heck do I do about this and do you think that this $13K debt is now being reported to the credit reporting agencies? Should I send the big 3 a letter, showing the debt was dismissed with prejudice and ask them to remove? And would that do any good, considering the debt is now up to $13K somehow? And, finally...who the he*l do I SUE OVER THIS TRAVESTY? Your input, advice and guidance would be most appreciated and acted upon. I will keep the topic updated as well, when new info is obtained so that others may be able to benefit from this terrible and shameful action by JDBs. Best, Nikki
  6. Last week, I lost a debt collection lawsuit in a Baton Rouge, La., small claims court. I replied to the initial summons with a denial that I did owed Midland company anything and asked for them to send evidence validating the alleged debt and their ownership of it. They never did. The only thing I ever got from them was a notice of their privacy policy. When I got notice of a court date in May, I assumed that's all it was. Big mistake, I know. I thought that I just had to show up because I already filed a denial with the court; but apparently, I should have. Turns out what I answered wasn't the actual lawsuit. The papers with the court date was the actual lawsuit. I did show up prepared to argue my case with an affirmative defense. However, the judge would not even listen to me. She ruled in Midland's favor without even hearing my side because I didn't file a response to the paper with the court date. Here's the thing, neither I nor the attorney representing Midland had ever been sworn in. She called us up and immediately started talking to the attorney for Midland and within two minutes it was over. I lost. Can I appeal on the grounds that neither of us had been sworn in? Isn't that proper courtroom procedure even in a small claims court? Has anyone had anything similar happen to you and how did you did with it? And if I what are my options after that? I'm studying Louisiana civil procedure and hoping to file an appeal Monday or Tuesday, at the latest.