10 year old cell phone bill
This is a phone bill from AT&T that got super overblown from data overage and then adding several hundred dollars for early termination. Anyway aside from that(you agreed to this when signing the...
View ArticleIs it wise to invoke the arbitration clause in a DV letter?
I'm wondering if you guys recommend invoking arbitration in the dv letter? Further, is there a copy pasta DV letter people recommend on this forum?
View ArticleThis is too funny (debt collection)
This company says it's going to sue me and I asked for some verification of debt and this is what I got back... Andrew Law Firm <andrew.law.firm04@gmail.com> To: You Thu 8/24/2023...
View ArticleBeing sued by LVNV but I have receipt for Enhanced Debt Protection Program...
I am being sued by LVNV for Best Buy Citibank. I submitted my Answer denying all allegations and specifically indicating in one of the paragraphs, "denies because account was closed according to Terms...
View ArticleResurgent/LVNV tradeline question
I have an account with Resurgent/LVNV. They made a tradeline on my credit report, how should it be reported? On one report it says Resurgent/LVNV and on the other report it just says LVNV.
View ArticleCollection Agency Changes Account Status
I have accounts with a major CA. On my CR, they were being reported as "closed". I don't know why, I didn't pay them, but i did dispute them. I checked my CR again, and now the status changed to...
View ArticleHELP! Being Sued by Cavalry SPV I LLC thru Nelson & Kennard
I am being sued by Cavalry SPV I, LLC who has hired attorneys Nelson and Kennard. They provided a few billing statements from 2017 and 2018 stating I owe $5,279.88 and I've tried to settle for $3000....
View Articleresponding to debt collection letters
i sent debt validation and arb agreement request letters to various collectors. they sent back the account statements or sold the debt to another JDB, what next from here?
View ArticleI just love these!
I just love these collection letters. LOL. I hope this letter finds you well. Despite our previous attempts to resolve the matter, it has come to our attention that we have not yet received any...
View Articlehow to know when its a junk debt buyer vs OC
how do i know if its a JDB. i got a letter from Zwicker representing Discover. Did Discover sell the debt to them, or are they representing Discover? i suppose id get a letter from the new collector...
View ArticleARS National Services, Inc / Citibank, are they a JDB or Assignee of debt?
Received a dunning letter from ARS National Services, Inc., PO Box 463023, Escondido, CA 92046-3023 It looks a LOT like this letter:...
View ArticleMidland credit prelegal letters and arbitration
Hi everyone! I have Midland harassing me at this point about a synchrony bank credit card. They sent me 2 pre legal letters so far and honesty don’t know what to do. I read about arbitration but...
View ArticleFDCPA violations Harassments
i have a collector that sends me countless emails, could this be a violation. i suppose showing proof i asked them to stop and it still continues would help. OT. i've unsubscribed more than 10x from...
View ArticleCollection Agency list...
This came from 2001badyear...some good info here. This is not a complete list of course...so if you have any CA names and numbers calling you - PM me or add it as a reply. Thanks!Not really sure how...
View ArticleInDebted Collection Letter
Has anyone dealt with InDebted? I received a collection letter from them via email, trying to collect an alleged debt to Trustly.
View ArticleCan plaintiff amend his original claim and balance at summary judgement stage?
If the original claim was initially based on a total of 54 statements, but later during the summary judgment stage, the plaintiff decides to amend it to include only 50 statements because they...
View ArticleHart & Associates
All of our debt is outside SOL with two active lawsuits Starting Monday I am receiving text messages with my Wife's full name, "your acct is overdue, failure to comply may result in legal action, call...
View ArticleBeing sued by Jefferson Capital assignee of Synchrony Bank(Walmart)/Capital One
Hello being sued by Jefferson Capital Systems,LLC an assignee of Syncrony Bank/Capital One for a walmart card I defaulted on in 2020. It is under $1500 Emanuel County Ga. Magistrate Court and is...
View ArticleSmith Debnam threatened to sue did not respond to DV
So in middle January I got a letter from Smith Debnam about my Discover card account that they were handling and the letter threatened legal action if I didn't respond within 30 days. So I sent a DV...
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