OnTheRoad310 Posted April 11, 2011 Report Share Posted April 11, 2011 Hello all, I searched for FIA's name and Hanna's name with not much luck on my topic. I have a FIA account with balance of $9K. Sent DV over 3 mos ago to Hannah and Associates, now I don't know what to do or where to go. I'm afraid if I "re-contact" Hannah, they will sue me. The account is 2 years old and has been "charged-off" on my Credit report. Should I call them or write them a letter to see who has my account? Please share your experiences with either FIA (BOA) or Frederick Hannah's office. Thanks! Link to comment Share on other sites More sharing options...
LearningasIgo Posted April 12, 2011 Report Share Posted April 12, 2011 Hello all, I searched for FIA's name and Hanna's name with not much luck on my topic. I have a FIA account with balance of $9K. Sent DV over 3 mos ago to Hannah and Associates, now I don't know what to do or where to go. I'm afraid if I "re-contact" Hannah, they will sue me. The account is 2 years old and has been "charged-off" on my Credit report. Should I call them or write them a letter to see who has my account? Please share your experiences with either FIA (BOA) or Frederick Hannah's office. Thanks!http://www.creditinfocenter.com/forums/showthread.php?t=306444My experience was explained on the above thread. Link to comment Share on other sites More sharing options...
OnTheRoad310 Posted April 12, 2011 Author Report Share Posted April 12, 2011 Thanks! Link to comment Share on other sites More sharing options...
bmc100 Posted April 12, 2011 Report Share Posted April 12, 2011 Do not call Hanna. Did they send a response to you Validation?Did you dispute the debt with the credit bureaus.If they did not respond, file a dispute with each credit bureau that shows that account. Then send each bureau a copy of the letter you sent and the copy of the envelop.Also, check to see if Hanna reported anything on your CR. After receiving the validation, the OC or JDB has to report with the bureaus that it is in dispute. For the next 30 days, they cannot report to the credit bureaus. If they do they are violating the FDCPA. If they did not allow you to dispute, they are violating the FDCPA. If they did not report back to the bureaus that it is disputed, then they violated the FDCPA. They can still try to collect or take legal action, but what you are doing is building your case or counterclaim against them. Sit tight, if they call, do not talk with them, let it go to voicemail. If they do not state that they are debt collector and any information will be used to collect a debt, then they violated the FDCPA. If they called your cell phone with a voice automated or computer calling system, they violated the FDCPA. If you do want to talk with them, so not give them any personal information like date of birth of SSN and tape record the conversation. Save all voicemails and keep track of each time they call, the time of day and who called you. Then, call an attorney and file a lawsuit against them. Link to comment Share on other sites More sharing options...
OnTheRoad310 Posted April 13, 2011 Author Report Share Posted April 13, 2011 Do not call Hanna. Did they send a response to you Validation?Did you dispute the debt with the credit bureaus.If they did not respond, file a dispute with each credit bureau that shows that account. Then send each bureau a copy of the letter you sent and the copy of the envelop.Also, check to see if Hanna reported anything on your CR. After receiving the validation, the OC or JDB has to report with the bureaus that it is in dispute. For the next 30 days, they cannot report to the credit bureaus. If they do they are violating the FDCPA. If they did not allow you to dispute, they are violating the FDCPA. If they did not report back to the bureaus that it is disputed, then they violated the FDCPA. They can still try to collect or take legal action, but what you are doing is building your case or counterclaim against them. Sit tight, if they call, do not talk with them, let it go to voicemail. If they do not state that they are debt collector and any information will be used to collect a debt, then they violated the FDCPA. If they called your cell phone with a voice automated or computer calling system, they violated the FDCPA. If you do want to talk with them, so not give them any personal information like date of birth of SSN and tape record the conversation. Save all voicemails and keep track of each time they call, the time of day and who called you. Then, call an attorney and file a lawsuit against them.Thanks for the info. No, Hannah did not report on my Credit Report. It only shows the charged-off BOA account. I wouldn't call Hannah, but it seems that the next step is to do a f/u letter to Hannah then dispute with the credit bureau since they have not responded to my DV? Is that correct even though Hannah has not reported on my CR? Link to comment Share on other sites More sharing options...
BV80 Posted April 13, 2011 Report Share Posted April 13, 2011 Thanks for the info. No, Hannah did not report on my Credit Report. It only shows the charged-off BOA account. I wouldn't call Hannah, but it seems that the next step is to do a f/u letter to Hannah then dispute with the credit bureau since they have not responded to my DV? Is that correct even though Hannah has not reported on my CR? If Hanna's not reporting, what would you dispute? I'd be careful sending Hanna a C&D since the debt is within the SOL. Link to comment Share on other sites More sharing options...
OnTheRoad310 Posted April 13, 2011 Author Report Share Posted April 13, 2011 If Hanna's not reporting, what would you dispute? I'd be careful sending Hanna a C&D since the debt is within the SOL.I guess that is what I'm not understanding perfectly. I send then DV letter almost 6 months ago, and no response. Not sure where to go from here. I'm just trying to follow the Debt Validation Workflow Chart and it says to f/u with CA with letter. Since they are not reporting on the BOA account, does that mean, there's no action to take at this time? (BTW, I see that Hannah made an inquiry on my report in May of 2010).That's why I'm asking if anyone would like to share their experiences so I can determine what I should do. When you say, "I wouldn't send a C&D letter.." I don't understand because I don't think I was going to send a Cease and Desist letter? Thank you. Link to comment Share on other sites More sharing options...
BV80 Posted April 14, 2011 Report Share Posted April 14, 2011 I guess that is what I'm not understanding perfectly. I send then DV letter almost 6 months ago, and no response. Not sure where to go from here. I'm just trying to follow the Debt Validation Workflow Chart and it says to f/u with CA with letter. Since they are not reporting on the BOA account, does that mean, there's no action to take at this time? (BTW, I see that Hannah made an inquiry on my report in May of 2010).That's why I'm asking if anyone would like to share their experiences so I can determine what I should do. When you say, "I wouldn't send a C&D letter.." I don't understand because I don't think I was going to send a Cease and Desist letter? Thank you.Sorry...had C&D on the brain. Unless you sent the DV within the 30 day period after the 1st communication, they don't have to respond. Since they're not reporting, you can't dispute them on your CR.What is it exactly that you want to do? Link to comment Share on other sites More sharing options...
OnTheRoad310 Posted April 14, 2011 Author Report Share Posted April 14, 2011 Sorry...had C&D on the brain. Unless you sent the DV within the 30 day period after the 1st communication, they don't have to respond. Since they're not reporting, you can't dispute them on your CR.What is it exactly that you want to do?Hi, thank you for responding. I did send the DV within 30 days after 1st communication. This was the 2nd atty that I sent DV letter too. I think the first one realized that I was in California after first Dv then sent it to Hannah, where I then sent another DV within 30 days. All I want to do is avoid getting sued from them. Because there would be some implications (long story short, mom used card in my name. we both in live diff states. I feel if this were to go into litigation, I don't want it to come out that she charged my cards without my knowledge, etc., etc. I own property and husband and I have assets, don't want to get sued and have those things taken from me, Plus, my Dad doesn't know and would be pissed at both she and I, and I'm trying to avoid involving my husband right now...don't want him to judge my mom... so there you have it! )I just want to do what I am supposed to do.. continue with the DV process so I can build a case against them (as one poster said). The alternative is to ignore? Ignoring makes me feel uneasy that one day, they are just going to serve me with the summons... Does that make sense? Link to comment Share on other sites More sharing options...
BV80 Posted April 14, 2011 Report Share Posted April 14, 2011 Yes, you make sense. Hopefully, you have proof that you sent a timely DV letter. Since the DV was timely, they cannot continue collection efforts until they validate. According to the FDCPA, validation consists of providing you with the name of the OC and the amount....that's it. You've sent the letter, and as long as they're not trying to collect, there's really nothing else you can do. If they do try to collect, save everything...their letters, voice mails...whatever they do to try to contact you. Link to comment Share on other sites More sharing options...
OnTheRoad310 Posted April 14, 2011 Author Report Share Posted April 14, 2011 Yes, you make sense. Hopefully, you have proof that you sent a timely DV letter. Since the DV was timely, they cannot continue collection efforts until they validate. According to the FDCPA, validation consists of providing you with the name of the OC and the amount....that's it. You've sent the letter, and as long as they're not trying to collect, there's really nothing else you can do. If they do try to collect, save everything...their letters, voice mails...whatever they do to try to contact you.Okay. Youre response makes sense! I guess I wasn't understanding the process of DV fully. But I see your point about what/why would I dispute to credit bureau if they have not reported to my CR. Yes, I sent timely DV (certified, and RR). I guess I was worried because I saw one other poster say that he/she sent DV and then receive summons instead of validation... Fearful of that! I also read that Hannah doesn't usually debt validate. I guess I will play waiting game.... Some other tidbits... the BOA account is showing as Charge-off, not Sold/Transferred--is that interesting? Also Hannah shows a hard pull on my CR but no reporting as I mentioned. Is that odd.. I noticed that you responded on similar topic--maybe you have some other insight. Thank you! Very grateful! Link to comment Share on other sites More sharing options...
Hal Jordan Posted April 14, 2011 Report Share Posted April 14, 2011 Also, check to see if Hanna reported anything on your CR. After receiving the validation, the OC or JDB has to report with the bureaus that it is in dispute. For the next 30 days, they cannot report to the credit bureaus. This is not true. Where are you getting this they can't report to the bureas for 30 days stuff? All they have to do is verify the debt and they can start reporting and collecting again. Link to comment Share on other sites More sharing options...
Hal Jordan Posted April 14, 2011 Report Share Posted April 14, 2011 Do you really think concealing something like this from your spouse is a good idea? You've been contacted by a law firm because you are on the verge of being sued for $9,000 and you're trying to hide it?? This very thing is the largest reason that I divorced my ex wife. She racked up thousands of dollars in credit card debt behind my back and did not fess up until I opened an over due notice from a credit card company I didn't even know she had. I forgave it the first time.. Then she did it again a couple of years later for over $10K and that was enough to make me leave. Not trying to harp on you and I won't mention it again. I just thought I'd share my similar experience from the perspective of the party that has got something like this being concealed from them.Hi, thank you for responding. I did send the DV within 30 days after 1st communication. This was the 2nd atty that I sent DV letter too. I think the first one realized that I was in California after first Dv then sent it to Hannah, where I then sent another DV within 30 days. All I want to do is avoid getting sued from them. Because there would be some implications (long story short, mom used card in my name. we both in live diff states. I feel if this were to go into litigation, I don't want it to come out that she charged my cards without my knowledge, etc., etc. I own property and husband and I have assets, don't want to get sued and have those things taken from me, Plus, my Dad doesn't know and would be pissed at both she and I, and I'm trying to avoid involving my husband right now...don't want him to judge my mom... so there you have it! )I just want to do what I am supposed to do.. continue with the DV process so I can build a case against them (as one poster said). The alternative is to ignore? Ignoring makes me feel uneasy that one day, they are just going to serve me with the summons... Does that make sense? Link to comment Share on other sites More sharing options...
mad as hell Posted April 17, 2011 Report Share Posted April 17, 2011 I had experience with hanna about 4 months ago. I send a DV within the 30 days, 90 days went and nothing, no DV no second letter nothing. they did send it to another in state law firm that from what I can tell files a ton of lawsuits. www.beatyourcreditors.com Link to comment Share on other sites More sharing options...
bmc100 Posted April 18, 2011 Report Share Posted April 18, 2011 I just saw a trade line on one of my credit reports from Hanna and I never received any letters from them. I reported it as an unauthorized inquiry. If it not deleted, I will file suit under FDCPA Link to comment Share on other sites More sharing options...
voidjudgment Posted April 18, 2011 Report Share Posted April 18, 2011 I guess that is what I'm not understanding perfectly. I send then DV letter almost 6 months ago, and no response. Not sure where to go from here. I'm just trying to follow the Debt Validation Workflow Chart and it says to f/u with CA with letter. Since they are not reporting on the BOA account, does that mean, there's no action to take at this time? (BTW, I see that Hannah made an inquiry on my report in May of 2010).That's why I'm asking if anyone would like to share their experiences so I can determine what I should do. When you say, "I wouldn't send a C&D letter.." I don't understand because I don't think I was going to send a Cease and Desist letter? Thank you.Hannah is in Georgia, they can't sue anybody in California. You'll hear from a California Law Firm before you'll hear from Hannah again. I assisted a buddy of mine. Had him send an awesome demand for proof of claim and Hannah quickly sent it to an in state attorney who got the same awesome demand for proof of claim and has remained silent for over half a year. Link to comment Share on other sites More sharing options...
BV80 Posted April 18, 2011 Report Share Posted April 18, 2011 I just saw a trade line on one of my credit reports from Hanna and I never received any letters from them. I reported it as an unauthorized inquiry. If it not deleted, I will file suit under FDCPAIf Hanna is collecting for a debt that is yours, they can inquire. Link to comment Share on other sites More sharing options...
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