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Found 2 results

  1. Hi everyone. Long story short I was served few weeks ago by a firm representing LVNV in small claims court. I filed my answer but due to some health issues and other personal problems I haven't been able to contact them to make arrangements before recently. I also wanted to scrape together a small lumpsum to offer to pay in good faith. I called and they wanted my pay frequency, take home pay, etc in order to see if anything less than balance would be accepted. I wasn't entirely comfortable giving that out and I told them I'm happy to make a payment via money order and work out arrangements for the remainder afterwards but didn't feel comfortable giving out financial info. Honestly the questions felt like I'm giving them a direct path to garnish me.They were a little rude about it and hung up abruptly after saying I could think about it and call back. I feel so defeated. They said unless the balance is paid in full before court date (next week) they'll get a default judgment and I'll be garnished and responsible for court costs etc. Person I spoke to wasn't the attorney if it matters. They didn't even give me the chance to ask and talk to them. I'm not sure what to do. I don't have the balance to give them. I'm struggling as it is. Any advice is appreciated!
  2. Hello dear friends. I am another one that has been caught in the claws of portfolio recovery for the amount of $3164.43. Complaints are "Account Stated" and "Open Book Account". The lawsuit contained Exhibits A and B which were a statement showing the last payment made (which was returned by the bank) and also a final statement showing that the account charged off. This is being done within the legal time frame. So far I have submitted a general denial with an Assertive defense of "Lack of Standing Because No Debtor/Creditor Relationship" to the court which has been stamped and I have made copies of each and sent the documents off to Hunt & Henriques in California (the lawyers for portfolio) along with A BOP with respect to the "Open Book Account" claim. Phew. I'm burnt out and I am awaiting my letter containing a trial date. My question is, what are my odds of being successful? Should I have just hired a lawyer? is it too late now? Does anyone have a reputable lawyer in California that wont gouge me? You're all I have right now!
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