Sooo discouraged at this point...
Posted 27 April 2008 - 09:41 PM
I am not comparing my situation to anyone elses success or failures - I know better than that...
Nothing gets removed from reports - they keep verifying.... I get back 3 "validations" which I have no idea what to do with... One of them I actually have no idea what it is... I am stuck at this point and don't know what to do... I received one validation that 2 ca's have the same account but I am not sure which one has the "right" to collect it...
I actually did take a break from it for about the last 4 days just to try and gather my thoughts and I still can't process it all... I know it is overwhelming (prepared for that) but I have no idea what to do at this point... I search and search and just get still get stuck on what I should do...
I do want to say a big thank you to everyone that has helped me this far - I really do appreciate it. I try to give back on subjects that I know (like BK and military) but otherwise I don't have much information yet and can't really help anyone when I am stuck myself ...
I felt like giving up but I know that I can't... I can see my house standing in the wings waiting on me to grab it On the up side - my baby just turned 1 yesterday lol (Random I know) You can see how my thoughts process lol
Posted 27 April 2008 - 09:45 PM
Now keep your head up and stop being a victim. Many of the people here have been here for months, YEARS, and are just now coming out on top. So strap yourself in, read up on some techniques and work on it!
Posted 27 April 2008 - 09:48 PM
Maybe if you provide some info you can get some help from members.
Posted 27 April 2008 - 09:54 PM
Posted 27 April 2008 - 09:58 PM
Posted 27 April 2008 - 10:02 PM
I understand my options are not limited... I posted my thoughts at the moment so I guess that was a mistake...
Posted 27 April 2008 - 10:11 PM
It's not a short-term battle. You can't give up. You WON'T give up! (Cue Eye of the Tiger)
Posted 27 April 2008 - 10:21 PM
Edited by jmo, 27 April 2008 - 10:22 PM.
Posted 27 April 2008 - 10:27 PM
Posted 27 April 2008 - 11:06 PM
Right now it sounds like you may be biting off more than you can comfortably chew. Start with the CAs with the oldest DOFDs, and only take on a few at a time. And don't forget the Cali civil code as you do this -- it often provides more protection than the federal FDCPA.
Posted 27 April 2008 - 11:14 PM
they have been cordial and I think the ones that have replied are probably pretty small (not the bottom feeders of the big ones) so they haven't been harassing or doing anything uncalled for...
which hopefully means they will be fair and level minded about taking everything off your report if you pay as well.
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