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Found 5 results

  1. The pre-trial meeting for a debt collection is coming up shortly and the attorney for Cavalry SPV has provided the discovery, which includes the following: As per the suit, the Citibank account was opened in 2006 1.) EXHIBIT A: A typewritten cover page (no letterhead) with only the last four digits of the credit card account, dated 5/8/2016 and an address that I have never used for any financial account (This address also does not match the statements they provided). 2.) Exhibit B: They provided a generic credit card agreement, which is dated July 2013. Note: The account w
  2. So I have a small claims suit against me in a few months with a JDB. Citibank is the OC and the debt is within SOL. The JDB is Calvary and I'm unsure if their validation letter is legitimate. Second, I'm unsure if arbitration is allowed in small claims for the user agreement. I only have mobile and it will not let me attach the user agreement. Any help is appreciated. I'd like to settle the debt favorably with what I have available which is about 60% of the total cost alleged. IS arbitration recommended or should I attempt negotiating with JDB?
  3. Does anyone have first-hand experience with MA DV requests? I've tried searching this forum but can't come up with concrete discussion. MA debt validation requirements are stricter than the federal one. Under FDCPA they can send any old printout for DV request and be satisfied with it. What are they REQUIRED to send under MA debt validation? And what can be done if that is not satisfied?
  4. I was contacted yesterday by a collection agency located in New Hampshire. I currently live in Massachusetts and the woman I spoke to broke numerous FDCPA laws on the phone. I simply tried to explain to her that a medical debt she was collecting I had disputed before and wished to continue to dispute until they provide me more information as I had health insurance and paid all of my co-pays. She got irate on the phone and told me I can't dispute it and I legally owe this now because it's past the time to file with insurance. She told me one of them is reporting to my credit report and the othe
  5. 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