New rule for not reporting medical bills to credit report when under $500 or...
Hi, I keep hearing talk of this and would like to utilize this in a situation for such a medical bill. There are tons of websites about this however my Attorney nor I can find this anywhere in the...
View ArticleReal or not?
my friend got this message today and she's a little freaked out. It sounds weird to me but I thought I would check with the smart people here. This is process server Swanson. I am a licensed...
View ArticleLVNV given a continuance
After waiting 6 weeks for court, someone other than a lawyer shows up and asks the judge for a continuance. It was granted. Why wasn't the case dismissed? They had six weeks to get ready! Is there...
View ArticleIntegrity Solutions
Long tie for not posting as it has been a long time since needing to. Background. It has been at least 9 years and accurately 12 years since I have really heard from any collector or JDB. This is...
View ArticleCollection Email (first contact)
Today, I received a collection email from a well known agency. This is the first contact they have had with me. The collection letter does not have my rights to dispute the debt within 30 days on it....
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Jefferson Capital Systems, LLC sued
A friend of my is served yesterday by Jefferson Capital Systems, LLC. This was a debt they bought from Avant (Webbank). I was going to help to respond to thw sermon and then file for MTC arbitration....
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Help! A junk debt buyer is suing me.
Is a junk debt buyer suing you? Check your original credit card agreement online thru websites like https://www.consumerfinance.gov/credit-cards/agreements/ Does it have an arbitration clause? Common...
View ArticleQuestions
Looking for help in settling my issues but have questions about the abbreviations used on here. Jams ITS Letter FDCPA CMRRR JDB
View ArticleSettlement
So I think I definitely need help. I've been lurking in the shadows but it seems I've found the right spot. Got in over my head but trying to straighten everything out now. Here's my list 1) SOFI....
View ArticleV&K Debt Collectors
Has anyone dealt with V&K debt collectors? I have been getting several texts from this company, but nothing to identify who the creditor is or if they are even texting the right person. I have not...
View ArticleTell me what to do...
I got my credit report a few days ago and There was an account that was sold/charged off by the creditor. I have since received a letter from this original creditor as well as a letter from the...
View ArticleProper paperwork
So if I push back and ask for a validation letter what am I looking for to benefit me ?
View ArticleUSELESS AND BASELESS VALIDATION REQUEST
The following "validation" letter has been floating around cyberspace for years. Once in a while, it might work, and a debt collector will no longer contact the consumer. However, any debt collector...
View Article'Take control of your finances and put an end to collection agency harassment...
Dealing with collection agencies can be a daunting and stressful experience. These agencies are hired by creditors to collect unpaid debts, and their tactics can often be aggressive and relentless....
View ArticleCFPB Has Added New Rules to the FDCPA
The CFPB has added some new rules to the FDCPA that went into effect November 30, 2021. They are available in the Code of Federal Regulations. One of the new rules is that a collection agency...
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 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:...
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Texas | Being sued by Credit Corp Solutions, represented by Scott & Associates
If you are inquiring about a lawsuit in which you are the defendant (ie you are being sued), you need to answer the following questions (as much as possible): 1. Who is the named plaintiff in the...
View ArticleFalse Statement on Collection Letter
I received a collection letter from a debt collector this week. On the bottom of the letter, they have the wording that due to the age of this debt, they will not sue me for it... The issue is, this...
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