Archive for October, 2011

Need Some Advice/ Help Fast! [fdcpa violations] [demand letter]

Reply:Reward money? Honey, I'm in Oklahoma. You'd be lucky to get a donkey.

But I do like the idea of you paying off my debts….hmmm. I hope that's a STRONG donkey. Plow up them there fields REAL nice-like.

ps…would I have to rub your feet?!?! :shock:


Reply:Heh. Better watch my mouth. I may get in trouble if something actually gets torched in the next week…. :shock:

LOL. Tell you what. If it happens, I'll turn

TL deleted?!?! [cra] [auto loan]

I had a car loan from that paid in 1998. It was with all 3 CRA than 30 days late and 60 days listed 8 times 2 times. I was denied the latest with all 3 CRA and the TL is completely deleted. I noticed that my pseudo-PG to score a whole 2 points went to the deletion. I'm not sure if I should be happy or mad about the complete abolition. I mean the latest went great, but it was a paid account. I have also reported some positive TL being that no lates in general, including 3 more car loans, and

anyone gotten out of a DMP? [debt mangement] [dmp]

I wonder about those who have had a Debt Management Program. Have any of your creditors re-opened your account? And also, the “managed by credit counseling” will note off of CR? I have with the creditors I have spoken in the program, and some will lower interest rates . others do not hold. However, the amount you pay me, the DMP is not much less than what I pay directly to the creditors. I did not know they put a hell of a note on your CR and that it have a negative impact, so I do not think to

Sent copy of default judgment to TU and it is not sufficient proof [default judgment] [fin svcs]

I posted in another thread that my recent cases have been withdrawn and I had one that was not the lawyer and the judge granted a default ruling in my favor Arrow Fin Svcs. I waited 60 days to send a copy of the ruling to the credit bureaus. Arrow had 30 days to appeal and did not do it.
rn
rnIch ran my credit report today and saw the arrow TRADE LINE is still there, out of curiosity I called TU. An Indian woman answered the phone and said the information they received was inadequate.

need EXPERT help [bank statements] [cras]

A big question was last year [2007] I need an account to verizion collections.
gehenrnIch have, as it was worth [2008] but it has verizion on all 3 of my reports as early as March [2008] i had attacked them [is verizion CA not shown] and it came back through all 3 CRAs.
verifiziertrn So today looking through some things and I find a receipt from verizion of May [2007], so online with a check my bank statements and I have paid each month to June [2007] i [July 2007] and didn't mov

Anyone heard of Ipayment? [experian credit report] [ipayment]

Posted in wrong forum.
rnsorry!
rnIpayment has a soft pull on my Experian credit report. I looked online and did not answer, why they maintain a soft pull.
tatrn
rnSie give me information about the credit pull, if I give them my SS # 0.
rn
rnKann I sue them for pulling my report? I opted out of me and I have not for all loans.Reply:Ok some sorry bastard is out there trying to use my info to open a merchant account so that they can process credit card payments for

Do I need to file a separate motion to vacate judgement? [motion to vacate judgement] [poverty level]

I have written a seizure? In collection, but by users of seizure I was with another question.
rn
rn1. if the attachment was served w I submitted a request for a hearing (trial date 9-12-05) refuses to seizure. these are the 2 reasons I:
rn a. Chapter 7 BK filed 8-25-05; debt included.
rn b. Detection of Kansas lawyers who rises up to 200% of my income over the poverty line, I will continue for their services.
qualifizierenrn
rnAlso that being said, I still need a

FCRA question [occurance] [damages]

Ok, I've spoken confused.
rn
rnIch 2 different local attorneys about it. It is said that requires the filing of a complaint FCRA “actual” damages and the other says FCRA allows acutal damage or 1,000 per incident or injury, whichever is greater.
rn
rnWas right?Reply:It's kind of a mixture of both. See 15 U.S.C. 1681n and 1691o

For willful noncompliance, damages can be awarded for both actual, punitive and statutory damages. Statutory damages can range

Scared and need help [financial bind] [capitol one]

In 2002 I had two credit cards with $ 200.00 on them. I was running on unemployment at the time and after my unemployment (which was right after I get the cards) I could never be an upfront payment to them. I am now in a financial bind to the IRS and try to pay them. I got a letter from ARS for my Capitol One account that emerges from this is already a demand for full payment charged. My balance is $ 730.73. The best thing I could do at this time is to send $ 10.00. Will they sue me?
rn