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Newbies - for more than 60 days


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133 replies to this topic

#126 disnugaswagg

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Posted 14 July 2011 - 05:18 PM

yes member status for me also! thanks



#127 movinonup2850

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Posted 11 October 2011 - 09:02 PM

Respectfully request member status. THANK YOU!!

#128 breeze

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Posted 11 October 2011 - 09:10 PM

Respectfully request member status. THANK YOU!!



This is for people who have been members longer than 60 days, but who do not post much. :)

#129 movinonup2850

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Posted 30 October 2011 - 08:05 PM


Respectfully request member status. THANK YOU!!



This is for people who have been members longer than 60 days, but who do not post much. :)



60 days is such a long time... I'll be deployed to Japan by then! :( lol its ok I'll just keep readin/studyin. :) thanks!!

#130 nunya

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Posted 08 December 2011 - 05:09 PM

I guess I am a bit of a noob even though I signed up a few years ago. I did about an hour and a half of reading here and was armed with enough information to defend myself against Wells Fargo. I won my case and didnt have to pay them the 7k they were suing me for. They tried to reopen the claim and again I used all my credit boards knowledge and crushed them to a dust. Judge threw it out :-)

Now I am in a new situation and not sure where to find the info I need. I had a business and owe a former vendor some money and have a collection agency breathing down my neck. I sent the cease and desist letters that have worked in the past but this guy just called me about a month after receiving that letter and says that after he stopped laughing they were coming after me and that I am not incorporated so I am personally responsible etc. I didnt really listen I just said send me proof and he got ugly so I hung up. I did however catch him say that this was a completely different matter when commercial and my cease and desist is a joke.

If you've been a member more than 60 days, and do not yet have member status, post in this thread. I'll fix it. Be patient, I'm expecting a crowd in here!! Line forms to the left...



#131 breeze

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Posted 08 December 2011 - 05:21 PM

I fixed your account for you. What he's referring to is that business account collections are not subject to the FDCPA. The usual letters, rules about phone calls, etc do not apply. If you were a sole proprietor, then yes, he will come after you personally. If you had formed any kind of business entity, then he has to pursue the entity except for debts where you personally guaranteed them.

He sounds like a total jerk.

You need to start your own thread in the business or credit forum. You won't get a lot of attention here. I'm probably the only person who checks this thread for comments. ;)

#132 nunya

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Posted 08 December 2011 - 06:04 PM

That helps!! Where do I find the business forum?

I fixed your account for you. What he's referring to is that business account collections are not subject to the FDCPA. The usual letters, rules about phone calls, etc do not apply. If you were a sole proprietor, then yes, he will come after you personally. If you had formed any kind of business entity, then he has to pursue the entity except for debts where you personally guaranteed them.

He sounds like a total jerk.

You need to start your own thread in the business or credit forum. You won't get a lot of attention here. I'm probably the only person who checks this thread for comments. ;)



#133 breeze

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Posted 08 December 2011 - 06:16 PM

http://creditboards....hp?showforum=27

#134 TurboScot

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Posted 18 March 2012 - 01:43 PM

Cant wait until I can be a member! Gotta do the time though, *pouting*. I'll be back when i have the required experience!!




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