STATE EXEMPTIONS (work in progress)
OK I'm going to start this thread off with Illinois Exemptions. For those not in the legal realm these are the limits the State puts on collections...what a collector or judgment holder CANNOT...
View ArticlePre-Legal Notice from Credit Corp Solutions
Hello, I just received a Pre-Legal Notice from Credit Corp Solutions. Basically the letter says that due to a lack of response they've placed the debt with their pre-legal department and it may be...
View ArticleWells Fargo "refund" is this a trick?
I received this letter on a long dead Credit Card, it is well past SOL and seems to have been sold a couple times. Is this a trick or a way to get me to reset the SOL? wells.pdf
View ArticleCalvary SPV - Collections Please Help
I had a citi cards/costco that i couldn't make anymore payments on. They sold my account to Calvary. I have disputed this via the credit bureaus and have talked to Calvary twice so far to try to come...
View ArticleCredit One LLC
Hi All! It's been a while. Hope everyone is okay under the circumstances. I have been wanting to settle and old debt with Credit One. It was a judgement from 2003. Was eventually "sold" or given...
View ArticleKey 2 Recovery collection
I got a letter from Key 2 Recovery saying I owned $12,165 to a University I studied abroad from last year. The thing is my University is partnered with that University for some study abroad locations...
View Articlesuit filed by LVNV Funding in Texas
so I have been sued by lvnv in texas. The law firm representing them is Scott and Associates. So far they've merely filed a petition. I know no evidence has to presented to be filed, though. So far...
View ArticleShould we submit to the Court our accepted demand for arbitration with JAMS...
My wife is being sued by second-round sub in the Bowie County District Court of Texas. We have submitted our answer to the Court and our motion to compel arbitration. We submitted her motion to compel...
View ArticleAccount sent to collections during Covid
I am not sure if anyone can help me here but Ill ask anyhow. I have a small business and I have posted in here for personal credit reasons but never a business reason. Here is my situation. I have...
View ArticleEmail from debt collector
OK, this is something new to me. I used to have an account with Spectrum for phone and internet. I had the account on autopay, so I wouldn't have to worry about my bills every month. Now, out of the...
View ArticleDocumenting my payment experience with a couple collection accounts Midland...
These are the last two open collections on my account. Midland 5 yrs old <$800 balance original was <$600 (closing fees added on) Synchrony card (guess could have done arbitration but not being...
View ArticleAnother LVNV Funding, LLC matter
I was sued, by LVNV. I filed my general denial answer and also a motion to compel arbitration. I emailed the answer and motion to them after making sure I had dropped the certified mail service in...
View ArticleStudent Loan Default - Discover/SLC
I took out loans through Discover Bank (under their subsidiary SLC) between 2009-2012 in the state of New York. I defaulted on these loans November of 2015. I have not had any correspondence, nor have...
View ArticleWebbank/Fingerhut Rejected My Fraud Dispute
I had noticed an account on my credit reports from the three major credit bureaus, Experian, TransUnion, and Equifax, from Webbank/Fingerhut. An account I had not authorized, nor had any knowledge of....
View ArticleAm I responsible for my wife's debt?
Here is my situation: My name and my wife's name are on the title to our house. The Bank mortgage is in my name ONLY, but of course she had to initial/sign all the finance paperwork also because her...
View ArticleUnifund - CA Court - Zero filed response
Filed a GD a few days ago and just to make sure I did it right I reviewed the court record to find a sample. After a half hour searching the records under Unifund I found only one reply and it was to...
View ArticleUnifund Barclays - Time to fight need help
California case 1. Who is the named plaintiff in the suit? Unifund CCR, LLC 2. What is the name of the law firm handling the suit? Law Offices of Kenosian & Miele, llp 3. How much are you being...
View ArticlePre-Legal Notification From MCM
Hey there. So I received a ‘Pre-Legal Notification’ letter from MCM on 6/18/20 (i’ve been out of town since the 16th and just got home yesterday) and it states ‘Midland Credit Management has made...
View ArticleShould I Fight? Filing BK in 45 days!
🙈 Today the Sheriff delivered the papers, so my clock has started. Here is my situation. I was waiting for the SOL to run or file BK if I was served. My timeline to file (BK) is in September so I need...
View ArticleFollow Up to Method of Verification
In July I sent a method of verification to Experian. It took them a couple of weeks to respond and when they did, they said a dispute was opened up. I got results of dispute and the account was just...
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