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The bank learned that I'm on a debt settlement program and...


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Not to stick my nose in... but the actual e-mails are saved in my mailbox. What if I brought my laptop in for a judge to look at? LOL!

Just a hypothetical question... I'm thinking that the credit union's attorney will probably say that there's nothing that can be done. But hey, would you like me to ask them their take on this? :NudgeNudge:

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Not to stick my nose in... but the actual e-mails are saved in my mailbox. What if I brought my laptop in for a judge to look at? LOL!

Just a hypothetical question... I'm thinking that the credit union's attorney will probably say that there's nothing that can be done. But hey, would you like me to ask them their take on this? :NudgeNudge:

Yes, you should try to negotiate with them. Not necessarily with their attorney/attack-dog. Courts don't look favorably on plaintiffs that bring actions in bad faith. And some district actually require that the plaintiff swear under oath (on their filing) that they tried to settle it out of court before they bring an action.

If you can show an effort to resolve it outside the court system, their attorney may get his case dismissed and a slap from the judge to work it out outside his court. I've seen it happen. Granted not often, but still...it's best to stack the deck in your favor from the beginning.

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Yes, try keeping a lid on the rhetoric here... it was a little out of hand.

Case law sometimes shows a complete disagreement of rulings. Which way is right? Unfortunately, sometimes it the lawyer who has the most charm or did the most homework and found more case law that sides with his case than the other guy. Do you always agree with the Supreme Court rulings? I don't - and even the judges in the court don't. Who's right? Good question.

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Uh oh... just got a call from the CU's attorney's office this morning. Apparently the communication line has some pieces missing! The lady starts going into this huge lecture about how they do not settle and they will not settle... I had to cut her off. I said "Didn't you hear from (loan officer at my CU)?" The lady said no. I said, "well she talked to (name of this lady's boss) yesterday and everything has been taken care of." She seemed a little bit uneasy at that moment and said that she would call my CU. :roll: Hmm... it must not have gotten back to her that the CU doesn't want to sue me anymore. Oh well... she'll get it figured out.

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That's actually kinda funny. If it were an outside counsel, that lady's actions would qualify as an FDCPA violation for threatening legal action when none is intended. You sure she was an actual employee of the credit union and not with an outside firm?

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That's actually kinda funny. If it were an outside counsel, that lady's actions would qualify as an FDCPA violation for threatening legal action when none is intended. You sure she was an actual employee of the credit union and not with an outside firm?

She was an employee at the credit union's attorney's office. But when I was at the credit union yesterday... the loan officer actually picked up the phone and called the head attorney at that legal office and told them that no one was suing anybody. So apparently this lady didn't get the message passed along to her. :roll:

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  • 4 weeks later...

This is just an update so anyone who reads this knows that there was actually a happy ending to this story. I was able to cancel my contract with the settlement company without owing them any money. Then I wrote them a letter asking for a refund... and to my surprise, I got one (or at least a check is supposed to be in the mail)! So I suppose this company at least follows some of the rules for being a good, reputable business. Here are links to the threads that show how I canceled the contract and got my refund (in the order in which they were written). Hopefully this will prove useful to someone else in the future.

http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=270782

http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=271096

http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=271461

http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=271757

http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=272005

http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=272402

http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=272829

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