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Found 9 results

  1. Hey everyone! I came across this website in my googles and have spent the past 2 days reading up on A LOT in this forum, for which I am eternally grateful for! All the knowledge and help that have been provided has been weirdly comforting to me, knowing I'm not the only one going through this, so thank you all so much! Despite that though, I'm still feeling very anxious, nervous, and uncertain about this whole process, it's the first time I’ve ever had to go through this, so any guidance and advice on how to proceed would be tremendously appreciated. I've filled out & included t
  2. I was served a "Consumer Credit Transaction" on the 19th of August. In it, it indicates that I am "summoned and required to serve upon plaintiff's attorney an answer to this complaint in this action within twenty days after the service of this summons, exclusive of the day of service..." The attorney is out of Schachter Portnoy LLC in Valhalla NY and it says that the plaintiff is "Cavalry SPV I, LLC, AS ASSIGNEE OF SYNCHRONY BANK" Page 2, which contains the "VERIFIED COMPLAINT" states in part: "1. That at all times hereinafter mentioned, plaintiff, CAVALRY SPV I, LLC, is a limited li
  3. Excuse me if this seems too basic, but I'm having trouble understanding when I need an affidavit of service, and how it should be done. I've read everything I can find on this forum, as well as plowing through what I could find in the NY CPLR, and I'm still stumped. Here's what I need to know. When do I need to file an affidavit of service? Does everything I send to the plaintiff require an affidavit of service? Also, from what I understand, even for an affidavit of service by mail, I am not allowed to drop the thing in the mail myself. So essentially, I need to find a notary and bring al
  4. http://www.nycourts.gov/JUDGES/ConsumerCreditManual.pdf If you're involved in a consumer credit case in NY, click on the above link. It's got lots of updated info re: obligations of plaintiffs & defendant in cc cases in NY.
  5. I have a default money judgment against me from midland funding at civil court in NY, however I was never served because they used my old address. Now I've received a letter from my bank stating they are going to allow the plaintiff to garnish my bank account in 20 days. 1. What do I ask for in my order to show cause? 2. I was advised to file a stay enforcement. What is this? 3. When and how can I ask for proof from the plaintiff? Any advice will be appreciated.
  6. Hello all, first post here at creditinfocenter. So I am getting really serious about credit repair and I want to attack the worst item on my reports, my only collection account. Okay so I was in school under CH33 GI bill and dropped most of my classes late one semester because of personal issues. This resulted in an "over-payment of benefits" to my Community College. The VA alerted me of the new debt of $563 and told me to pay it. I asked for a payment plan of $20/month and they told me that they could not accept less than $50/month. I did my best paid the $50 twice(May/June 2011) and then
  7. Hello everyone, I was referred here by a friend who said you guys are the best people to ask for advice regarding legal matter. I am helping a family member by translating on his behalf on a case with a junk debt buyer in NY (Portfolio Recovery associates) for the amount of $6000. During the first meeting, he didn’t have a translator and he requested me so the judge gave him 4 months for me to come back. During the second case, I questioned the junk debt buyers creditability in court by asking them to provide proof of account transfer from Chase, they had no answer so they delayed the case 4
  8. Has anyone dealt with and had success with vacating a NY tax warrant? The story is as follows - I worked two jobs for a few years. This year, apparently the IRS modified one of my W2s from 2008 which then changed what my state return should have been. I received a bill from NY Tax and Finance sometime in the middle of last year (around June). I moved a few weeks later and kind of forgot about it. So, in around November I received another bill and went through my tax info to try to figure it out why (the bill said nothing about why I owed the money). A couple weeks later I checked my cred
  9. I am really confused about this topic. There was a tax warrant placed on me for less than $300 for something that I was unaware was happening. It was an innocent mistake. I paid it immediately and sent a letter to the NY tax correspondence department. I then followed up today (3 weeks after I sent the letter) and asked if there was somebody I could talk to in order to have the warrant vacated. First he told me they only did that if the warrant was placed in error or if I paid it before it was placed. I paid it about 3 days after and was unaware it was being placed it was for around $300. So