Cease & Desist Problems
3 months ago, I received initial dunning letter from CA that they are now managing a time-barred consumer debt for a JDB. I sent them a dispute & cease & desist letter. They responded with a...
View ArticleShould I Fight IQ Data International?
I'll start off by saying I'm not well versed in all of this just the rabbit hole I fell down after the first emotional call I had with IQ. I received a phone call from IQ International that started...
View ArticleBeing sued by Citibank
If I list my bank account as exempt under TN law can a creditor try to seize it anyway or does the exemptions block that attempt?
View ArticleCollection agency sent demand letter without proving mailing address for...
Received inital communication demand letter from Valor Intelligent Processing , LLC in Texas on behalf of Florida Department of Transportation. Included was the standard "30 days to dispute in...
View ArticleUNITED RECOVERY SOLUTIONS (assumed) LLC
Does anyone know where this company il located? They called me from 877-385-0844 and 475-285-5669 of course the numbers don't exist in the world of google. I called the number; they refused to...
View ArticleDoes anyone have a Verve Credit card agreement? I am trying to find out if...
Hello i have to file and answer to a junk debt buyer who took over a verve credit card that was charged off when I was in a financial struggle. I was trying to find out if they have a arbitration...
View ArticleHelp being sued LVNV funding (Bank of Missouri ) Verve Credit Card
Hello, need some help. I was served papers for Breach of contract on a Verve Credit Card. This is in the Magistrate Court of Emanuel County State of Georgia. Plantiff is LVNV funding, as successor...
View ArticleTwo Small Victories
There were 2 collection accounts listed on my report. First was Caine & Weiner for about $125. The second was First Credit Services for $250. I sent a dispute to the credit bureaus last week. This...
View ArticleJPMorgan Chase Credit Card
I have another card- JPMorgan Chase that went delinquent after my arrest. It was a $3,800 card. On my credit report, Chase is listing it as 120+ delinquent with a balance of $4,700 due. I am...
View ArticleMidland on Report
I have 2 accounts that Midland has listed on my report. Both are Capital One credit cards. First card is about $3,500 Second card is about $4,800 The last payments on those cards was August 2019. I...
View ArticleTx Only-CeaseDesist
THIS IS A SAMPLE AI GENERATED LETTER FOR TEXAS CEASE AND DESIST. I only seek stop to collections. let me know what you think Dear Sir or Madam: This letter serves as a formal demand that you...
View ArticleThis sounds sketchy....
Friend received this this morning. It sounds shady to me! Case File: INV-PDL-2025-0928-00417 Notice Issued On: September 29th, 2025 Amount Outstanding: $1,485.00 Settlement Amount: $950.00 for...
View ArticleDo I not owe this amount (legally) now?
Barclays Bank Delaware took me to court for $8300. I attempted many times to contact them and got no responses. So I went to court. They didn’t show up. So the case was dismissed without...
View ArticleDid I waive my right to arbitration by contacting the law firm?
Debt Owner; Velocity Investments Lawsuit (Upstart Loan, 2021) Jurisdiction: Virginia General District Court Court Date: August 20 2025 Background: I am being sued by Velocity Investments regarding a...
View ArticleBeing sued for a car repossession from 2011
Hello, I received a phone call today from a woman stating she worked for a serving company and asked me when I would be home to get served with a court summons. I asked her what it was for, and she...
View ArticleAre you being sued by a debt buyer?
I have some great resources to help you defend yourself against “junk” debt buyers. I’m not providing you legal advice but I’m just passing on some information that helped me. Always check with a...
View ArticleNeed advice about Stenger and Stenger
I would appreciate advice on how to proceed with Stenger and Stenger. I have been self employed 27 years. I'm paid in cash. I live in a non community property state, the Citibank card I defaulted on...
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ACE Threatening Email
This is the email I received from this company: This has got to be a SCAM!! TOO MANY PEOPLE ARE GETTING THIS SAME EMAIL!!! Dispute This Matter Into The Court House Case File 20150629-SI-WC-109...
View ArticleSued by Portfolio Recovery (PayPay Synchrony). Need guidance please!
How to respond? 1. Who is the named plaintiff in the suit? Portfolio Recovery Associates. 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.)....
View ArticleScam?
This is an urgent message for**** regarding delivery of legal documents at insert address here reference the file number a B – 10422316 My name is Jessica and I'm contacting you in regard to the...
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