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Found 2 results

  1. I am being sued by Wells Fargo for credit card debt for a little over 5K. I do have a couple of weeks to respond to the summons and would be very grateful for any assistance. I believe there are a few irregularities but I am not well versed on Virginia law. The account was also opened in another state. Thank you!! 1. The affidavit is marked "personally know to me" and may have been robo signed. The printed name of the Wells fargo employee who affirmed is listed twice but second the printed name clearly looks like it was clearly written by someone else. The affidavit has a section for the case number but it has been left blank which raises questions if this was robosigned. 2. The affidavit was notarized in Iowa. The notary is listed as "signature of notary public" There is no language identifying the notary as a Wells Fargo employee. I found that information on the Iowa state website specifying he was an employee at Wells Fargo who was a notary. 3. In the complaints, there is "evidence" that is marked as an EXHIBIT but is listed as a "demand letter" in the complaint. I never received a demand letter. the letter I received on that date simply said subject :balance acceleration on credit card ending in **** I never received a demand letter from Wells Fargo or the attorney that filed the suit on their behalf. 4. In the complaint, there is a statement in demanding damage "reasonable attorney fees and costs but there is no specific information on what exactly those fees are or may be. Thank you!
  2. I received a collection letter from a company called Convergent, who was apparently hired by LVNV to try to collect on an old debt. I previously went to court over this account and (thanks to these forums and some great people) the attorney non-suited. The last date of payment was in late 2008 and we wrapped up in court in 2012. If it helps, I'm in TX and the SOL (statute of limitations) is 4 years. So, I guess my question is really do I simply send a cease and desist? or a DV (debt validation)? As an added point of interest the letter also clearly states "The law limits how you can be sued on a debt. Because of the age of your debt. LVNV will not sue you for ti. If you do not pay the debt, LVNV may report or continue to report it to the credit reporting agencies as unpaid" Can they do that? Should I address this as well and how would i do so?
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