I'm dealing with a refund issue (about $ 13,000 from $ 20,000 still owed). In 2002, my monthly payment was set at $ 50.00/mo. The prosecutor sent me questionnaire together with requests for documents and statements, basically about how much I make, what are my monthly expenses, and so on. I spent 6 days together to get this info, and the hand delivered 750 pages to it were yesterday, a day before the 30 days up.
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rnMeine question is what happens next? Is it time to go before the
Archive for August, 2011
What happens after interrogatories? [monthly expenses] [restitution]
August 30th, 2011 
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What to do now? [negs] [cra]
August 30th, 2011 admin Hi, I'm very new to credit repair and need help. Here is what I have done so far. Pulled all three credit reports and all the contested negs. What was happening to some, it came back verified or updated, but what they had to update actually sell it to a CA. I also got all DV'ed CA and have only one answer (I really messed up on this part, I think the word cuz I'm cheating). So now I will start dealing with the CRA process again. I just do not know how to know dispute. My first round
Bank of America Secured Card – Who has it? [bank of america secured card] [bank of america]
August 30th, 2011 admin I have some questions . would be a different credit card for rebuilding credit like. So, for those who have this card:
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rn1. Have you ever you receive a deposit increase?
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rn2. Not sure if it's the same idea, but I have tickets in the past that required a deposit and pay only been limited to the card and your balance until you get paid the deposit. If the Bank of America card to work like this? If you do not pay the deposit to the front, you can pay for it u
Midland Credit Management Pains! [credit management] [mcm]
August 30th, 2011 admin Reply:Hi everyone I have learned a lot from these forums, and was able to dispute many items on my credit report and to my surprise had a few of those negative items removed. However I have a collections account from MCM, that has been paid off and has a $0 balance that is still, and very stubbornly, sticking on my credit report. The disputes came back with a result of "New Information". I had a similar collection account, paid off with a $0 balance from NCO Financial and that was dele
Legal-eagles and experts needed to vet complaint [factual allegations] [legal eagles]
August 30th, 2011 admin Reply:Thanks guy, I've removed their corporate counsel.
Understood about the case law.
Oh, I already have paragraph numbers but I googled other complaints and some of them have line numbers (along the edge of the margin). I was just curious if that was necessary. It's not in the Federal Rules of Civil Procedure (unless I completely missed it).
As for the "Account Statement", it's okay, I enough FDCPA violations anyway.
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Cavalry Portfolio sending copy of bill? [sprint pcs phone] [th cavalry]
August 29th, 2011 admin This CA is only one copy of an invoice with my husband's name and address (that was never ours) and the amount owed to a Sprint PCS phone from a DV letter that we sent. Is this evidence enough to prove this charge be? He has never been a Sprint PCS phone and from what I understand they have to have a contract with his signature? Is that correct? In return, I called Sprint and gave them all the info on that debt I had and they said they had no information that this was in 2005. Sprint said th
[b]SOL?[/b] [sol]
August 29th, 2011 admin Does anyone have any of the SOL in Maryland?Reply:Depends on the type of contract. You'll find the SOL for all types of loans for Maryland under the Statute of Limitations link at the top of this page.
This is a good chance to gently remind all newbies to read everything under all the links on the homepage and at the top of this page. Also read the stickies (permanent posts) at the top of each forum that best pertains to your situation (Credit Repair, Collections, Mortgages,
What about FDUTPA? [breach of contract] [hopa]
August 29th, 2011 admin What FDUTPA?
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rnIch hired an attorney a claim against a predatory lender file for breach of contract, predatory lending and other abuses, such as RESPA, Tila, HOPA and so on. He would not complain and would be no expense to get evidence or do something else, then send settlement offers, one by one, even after he was asked not to. He has long been cause delays. He and the predators attempt lawyer in me coming to a fake blackmail settlement meeting, she said she would not talk settlem
BOFA Credit Limit Increases [bofa] [bank of america]
August 29th, 2011 admin Any inside information. Find out how your credit card limit increases with the Bank of America get?Reply:I know they can invoke the universal default clause. They can reduce your limit but I'm not sure if that clause includes reducing your limit to below your current balance. One of the experts will have to confirm if they can do that.
They can do what they will. It's there terms. My bro in law had a card with Chase and he was late with his other cards so Chase decided to
30 day late dispute removed entire account [credit reporting agency] [mortgage]
August 29th, 2011 admin Hi all,
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rnIch denied a 30-day late for a mortgage that was paid off. The credit reporting instead of correcting the error only from the whole mortgage, they lowered my score – I think I can see why, but to get a chance to put back with the error removed rn
rnVielen
Thanks!Reply:With those suggested scores, and the fact the lates are more than 2 yrs old, I doubt if they will hurt you that much. But, if you have not been late since, you could send a letter to the Mortgag