civicmon

100% agree. Some collectors, to be fair, can make a real career out of sales and client relationship management. I mean, the way they keep on us and their accounts is pretty impressive and a desirable trait to employers. However, most are either drug addicts (as testified by former collectors), convicts or otherwise untouchable by non-CA employers. NCO is based near me and I'm more than happy to see them vanish. At least the economy here isn't contracting by leaps and bounds unlike most of the US.

In the past I have had them back-dated inc. on my CR. Now, Sallie Mae says they won't do it? Once, I forgot to pay after the 30 days and asked for a deferral and received it I was well late beyond 30 days and nothing reported to my CR. Now, I'm seeing a similar situation where I forgot to ask for the deferral and it was 60 day and now they won't remove it. I was also almost 90 days date on one via ACS but I only found that one by getting my credit report for free. I got a call from my college and they said they'd get it deferred. They did and the lates were gone. I was four days late a couple of weeks ago on an ACS one. They did and the lates were gone. Would a goodwill letter work for either of these? I know that student loan agencies play by different rules but they've been removed in the past. Thanks.

If you read the entirty of the links you'd see the CT AG sued them as well becuase they used people to install the wiring with these security systems who were not licensed, which leads us to think this is why it never worked properly to begin with. "The lawsuit, filed at the request of Department of Consumer Protection (DCP) Commissioner Jerry Farrell, Jr., also charges David G. Roman and his companies with installing and failing to fix faulty equipment, as well as violations of the state’s home improvement contractor laws. " The contract states nothing aboiut jurisdictions with regards to suits. Sorry, I did glance over it. Still doesn't change the fact that the security company has different legal rights to sue than a JDB would, in this kind of case. The contracts and the enforcement of them are very different than what a JDB could/would need to follow. I would highly recommend speaking with a lawyer before they go any further. This is much beyond most of us who are not licensed to practice law or who do not have a fair understanding of contract law.

i don't actually know if anything related to credit/collections applies. It's no different than a company suing a buyer who received goods. Like if you order from Amazon and they don't deliver, or deliver a defective good.. something like this. Your parents need to read their agreement with the security company. The agreement/contract would most likely stipulate that any suits would need to be brought up in Rhode Island (in this case) by either party. Most service agreements stipulate the terms under which lawsuits can be brought and it usually stipulates which region/jurisdiction they can be brought in. Unlike a JDB who really has no contact with the consumer, this is an entirely different ball game. I suggest your parents speak to a lawyer before they respond again. The reason why the Conn AG sued them was about automatically renewing contracts w/o proper notice, not failing to deliver or failing to pay.

I DV'd them and got a reply.. a-typical printout of what I owe etc. I'm not sweating it. My county in Penn requires mediation before issuing a judgement (which serves as a disincentive for a JDB to sue since there's a lot more work involved, wage garnishments are not allowed etc.) but chances are I will sue them before they sue me. They're ignoring my limited C&D letter despite the fact it was attached with my DV request which they did receive and process. Have 8 calls this week, all with time/dates plus a copy of my original letter emailed to myself with a date/time stamp on it. The debt is sure less than $8k and I've already talked to a well-respected consumer rights lawyer in PA who is willing to go for it. Their usual cokehead wireless router leaves his message and says it's "very important." lol ok. Thanks partner, make sure you clean the mirror up, you left a little behind. edit: this isn't cap1 either but they're another Buffalo JDB.

My ssn ends in 15 and I still do not have mine. I don't really need it either, but I sure want it!

Whether anyone knows the difference isn't the point. My point is that the JDB must state that a person can dispute the VALIDITY of the debt, not just ask that it be verified.

Got a letter and calls from Capital Management Systems collecting on a Chase account. They sent the dunning letter and it said "we will provide verification of the debt." Interesting.... now is this even legal? I know they have to VALIDATE the debt, but I also believe the initial 30-day means it must be VALIDATED and not just verified. If it's not legal, I'm sure a lawyer in my area would love to know about this and see who else has been affected by this.

That is just wrong!! And illegal. Google it and consider hiring a lawyer. Most companies where an employee does not deal with cash/checks directly who does a pull typically does it to verify address/name/ssn history as well as any (very) serious judgments such as ones resulting from criminal activity (such as a DUI), fraud or excessive tax liens. I work at a major financial firm that I am very sure most of you have heard of. When I was applying and saw the notice, I asked what they look for. The HR lady explained it was looking for fraud-related judgments and extreme tax liens, for my position at least. They do reserve the right to examine it further but most won't, there's a fair amount of liability in denying a job to someone because of poor credit when they're a project manager with good references and work history. I had several collections on my CRs. A co-worker was implied in a check fraud case and was put on paid suspension (this was after he was hired, fwiw). He was a bonehead but he sold a car to a guy with a cashier's check w/o looking at it. The bank said he was ok but it showed up in the chexsystem. He continued to get paid for weeks, hired a lawyer and got it cleared up. And the link between poor credit and theft/poor work ethic really has never been proven but of course, when ladies take money from the school cafeteria to go to the casino, the cause -> effect relationship is already assumed.

Just an FYI, you should use a better thread title in the future. Also, this may be better suited for the "Help I've been Served" forum, but a mod can decide that.

check your state statue of limitations. Not sure for Alabama but 8-9 years sounds a bit long.

The sad part is that the house was built in 2005.... at that time in Las Vegas, it probably sold for $300-350k.

They could... I suppose it could trigger a full audit but for anyone who is taking college income credits, worst they'll do is send you a letter with a $$ on what you owe and a tel #/mailing address with dispute information. All 1099's are sent to the IRS but whether they see a discrepancy (or decide it's worth their time) is another thing. Most of time for lower income people, it's not worth their time. They go after business owners claiming $2000/m car payments and deductions up the ying yang, and high net work people in almost all situations. I don't think the states get 1099 forms, but this may or may not be worth their time, either. You decide what you'd like to do. Please note I do not work for the IRS or any other tax adviser and thus will not be held liable the use of information provided in this thread. Please consult a real one before you listen to me

There's a Mitsuwa in NJ, 15 min bus ride from the Port Authority. They have a free shuttle. Google the Mitsuwa website for details. I lived in Japan for a couple of years (part of the reason why my credit is screwed up but I digress) and grew up in Calif and JCB cards are growing in popularity in Asia as well. A lot of places in China that accept credit cards take JCB as well. This card is of very limited use outside SoCal or if you plan a of flying on ANA/JAL or buy airline tix via United Air's Japanese website. Mitsuwa's travel agents are pretty good and have good fixed prices on flights to Tokyo. Not sure what their US requirements are but Japanese credit cards, in general, are harder to get than American ones due to the Japanese' over-reluctance on using cash vs. cards. I should say that I don't know if "harder" is more accurate, or if they're just not handed out like candy. My friend's been there since 2003 and I think he has one card that's co-branded by Korean Airlines or Air China. I can't remember now...

If it's a low amount, I usually just round it off. I used that sample PFD letter that was posted above for a CA.. debt was something like $187, I just said $180 and they sent me a confirmation letter saying that within the next 15 days they will update the CR with their next batch of uploads to the CRAs. If we're talking a debt in the thousands, then the PFD can be negotiated but YMMV on this one...