ceelovejay 10 Posted July 12, 2012 Report Share Posted July 12, 2012 I love reading about your successes, Beergoggles! And 130 points in 2 months. What an inspiration! Link to post Share on other sites
rambler 11 Posted July 12, 2012 Report Share Posted July 12, 2012 Personally, I believe every month for 2 years is excessive. But the courts don't take much stock in my opinion.Debt collection is permissible purpose under the FCRA. However, I'm wondering if every month for 2 years could be considered harassment under the FDCPA. I'll see if I can find any precedent related to your situation.I wonder about 4-5 times in 8 days? Had one hit me like that on TU Link to post Share on other sites
1stStep 242 Posted July 12, 2012 Report Share Posted July 12, 2012 I'd say that warrants a lawsuit there Link to post Share on other sites
Beergoggles 23 Posted July 27, 2012 Author Report Share Posted July 27, 2012 OK how long after sending Midland a letter demanding payment of judgement and removal of trade lines on CR's should I wait before filing a complaint? Link to post Share on other sites
1stStep 242 Posted July 27, 2012 Report Share Posted July 27, 2012 You cannot file a complaint... you have a judgment - what you need to do is get a writ of execution and go after their assets.The hard part is identifying the location of assets... Link to post Share on other sites
BV80 2,797 Posted July 27, 2012 Report Share Posted July 27, 2012 OK how long after sending Midland a letter demanding payment of judgement and removal of trade lines on CR's should I wait before filing a complaint?Like 1stStep said, you don't file a complaint for a judgment. That falls under enforcement. The TLs, however, are lawsuit material. Link to post Share on other sites
Beergoggles 23 Posted July 27, 2012 Author Report Share Posted July 27, 2012 yeah what you said!Like 1stStep said, you don't file a complaint for a judgment. That falls under enforcement. The TLs, however, are lawsuit material. Link to post Share on other sites
Beergoggles 23 Posted July 29, 2012 Author Report Share Posted July 29, 2012 ???? (not a complaint but maybe a writ of execution)OK how long after sending Midland a letter demanding payment of judgement and removal of trade lines on CR's should I wait before filing a complaint? Link to post Share on other sites
Beergoggles 23 Posted July 29, 2012 Author Report Share Posted July 29, 2012 maybe I just need to sue them instead Link to post Share on other sites
1stStep 242 Posted July 29, 2012 Report Share Posted July 29, 2012 Beer- you can file suit for the tradelines. But you also have a judgment. File the writ of execution. Look into domesticating the judgment into California... since they are based in San Diego, you can domesticate, then get the SD Sheriff to start seizing Midland's property. My guess is that once you do that, they will cut a check fast. Link to post Share on other sites
Beergoggles 23 Posted July 29, 2012 Author Report Share Posted July 29, 2012 Thanks 1stStep While that is a great idea I do not think the judge would do that for 70 dollars, my main thing is the trade lines.I am wondering what is considered a reasonable amount of time and notification before filing a suit. Link to post Share on other sites
1stStep 242 Posted July 29, 2012 Report Share Posted July 29, 2012 The costs can be added to executing the writ of execution... that's where it really adds up. Dispute the tradelines with the CRAs...As far as time before filing suit - I don't give them anytime... Link to post Share on other sites
Beergoggles 23 Posted July 29, 2012 Author Report Share Posted July 29, 2012 I did dispute the trade lines with the CRA's and also sent midland a letter demanding they remove them.The costs can be added to executing the writ of execution... that's where it really adds up. Dispute the tradelines with the CRAs...As far as time before filing suit - I don't give them anytime... Link to post Share on other sites
1stStep 242 Posted July 29, 2012 Report Share Posted July 29, 2012 Have the CRAs responded? Link to post Share on other sites
Beergoggles 23 Posted July 30, 2012 Author Report Share Posted July 30, 2012 they told me to contact midland Link to post Share on other sites
1stStep 242 Posted July 30, 2012 Report Share Posted July 30, 2012 Send Midland a 623 letter... At the same time, copy the judgment and send a copy to Dun & Bradstreet and Experian. A couple days after that, send them a letter - "since you trashed my credit, I and trashing yours." Link to post Share on other sites
Beergoggles 23 Posted July 31, 2012 Author Report Share Posted July 31, 2012 I think they might have been deleted now I need to call them (CRA's) and make sure Link to post Share on other sites
Beergoggles 23 Posted August 14, 2012 Author Report Share Posted August 14, 2012 Well someone sent me a link to a site that was a CRA for businesses like Midland who was it and do you have that link still? Link to post Share on other sites
Beergoggles 23 Posted August 21, 2012 Author Report Share Posted August 21, 2012 bump Link to post Share on other sites
1stStep 242 Posted August 21, 2012 Report Share Posted August 21, 2012 Look up Dun and Bradstreet... also Experian has business credit reporting. Link to post Share on other sites
Beergoggles 23 Posted October 23, 2012 Author Report Share Posted October 23, 2012 Well I just ordered all 3 hard copies of my credit report again. Want to see where I am these days. Just had a new collections agency call me today LBG Financial, I did not talk to them but it was from a local number. I wanted to find out what they are collecting on. Oh if they only knew what I know now. Link to post Share on other sites
1stStep 242 Posted October 23, 2012 Report Share Posted October 23, 2012 Here's some info Beer:LDG Financial Services II, LLC4553 Winters Chapel Rd. #200Atlanta, Georgia 30360According to the AZDFI website, they are not licensed either. If I were you, I'd file a complaint and fax a copy of it to them... Link to post Share on other sites
Beergoggles 23 Posted October 23, 2012 Author Report Share Posted October 23, 2012 Thanks 1stStep but it is LBG not LDG have a CR coming to find out for sure who they are and what they want. Link to post Share on other sites
1stStep 242 Posted October 23, 2012 Report Share Posted October 23, 2012 That's the only match there is... and I track collection agencies very carefully. Nothing call LBG come up in my business database at all. Link to post Share on other sites
Beergoggles 23 Posted October 23, 2012 Author Report Share Posted October 23, 2012 Just checked and LBG is not licensed either. Hmmm............. I do need some cash I might need some help from you and Colt soon. Link to post Share on other sites
