chelle976

No, they never call me anymore.

When is this due to fall off..? Is it true that your SSDI is your only source of income? I believe that even if you were to be served and have a judgment placed, collecting from you would be near impossible correct? In answer to your question, you're NEVER at the CA's mercy.....!! TU has listed estimated date of removal of 9/2012 and EQ has DOFD listed as 10/23/05. SSDI is my only source of income and I own no real estate (which is my big problem right now) and a $1500 car.

Thanks guys! My issue is I can't pay the full amount ($3511), and I only offered $600 for settlement. They did not come back with a counteroffer, only "If we settle this debt it will not be removed, only marked as paid". If I only want to pay a minimal amount am I at the CA's mercy?

I know this topic is OLD but OMG! I would so love to have an ex-EX employee whose brain I could pick clean! Of course, they'd probably quit their job to get away from me or get a restraining order! LOL! Okay....it's official, I need more coffee! (anybody else up at the *sscrack of dawn on a Sat.??)

Oh and YAYYYY!! My posts are posting immediately now! Sorry, it takes so little to excite me these days.

I'll be very honest, in a moment of weakness and being completely overwhelmed I used LL a couple of years ago. They did get some things deleted but after finding CB, I'm sure I could have done it myself, and much quicker! They took FOREVER and would dispute on thing at a time. I'm not sure if that was their policy to fly under the radar or if it was to rack up more monthly charges. Hmmm... I once had a CA send me a generic printout as DV with their letter attached and it was HORRID! I would never send a letter like that! I don't remember what it said, just that I was embarrassed to have that sent on my behalf! It also had an ugly scrawly signature that was supposed to be mine!! I, of course have learned, to NEVER sign a letter to the CA! Okay, sorry to jack the thread. That's my LL rant for the day!

Noooo!!! They're not 'posta abide by stuff! How do I get stuck with the one "do-gooder" CA??

I DV'd the CA and sent dispute to CRA upon receipt of green card. Both TU & EX came back verified and updated and then the CA deleted!! I'm glad they did, but it's annoying nonetheless!

+1 Settle with the OC only!!! then the CA has no PP to report. Will the OC be likely to only accept full payment? I was hoping to negotiate a much lower amount, as payment in full. DOFD is listed as 10/23/05, which seems pretty accurate. It is an apartment lease, would that be considered "signed contract"? TU has it listed as an open account. Would that be a good angle to dispute with them with a Jack Attack letter? Awwww! I'm almost sympathetic with their sad, pitiful life........okay, no the H*LL I'm not!

I've looked all over and I've learned enough to know this isn't going to help me any, but does anyone have any suggestions when a CA refuses to accept a PFD stating that, "If a settlement is reached this account will remain on your cr as "Paid". Why do they care??? The reason I'm attempting to settle this debt is both the OC and CA are local to me, they are reporting correctly and have provided me a copy of my signed contract and the accounting provided by the OC and it's within SOL. This is an old apartment debt (a stupid move on my part, but joint account with my ex) and the largest on my files at $3511 and I'm worried that they are preparing to file suit or something- they pulled my credit. I wanted to let them think I don't care to let it sit there, but really I do. In my settlement offer I explained that I have no assets and only SSDI income, hoping they would see the benefit in accepting. I don't know where to go from here. Any help?

Not sure about everyone else with small post counts, but I am only on CB. I have been for a very long time and am just now able to sit myself still and work through mine and DH's credit. I'm trying to become more active on the boards, since I've gotten a decent grasp on what I need to do. Between dealing with multiple major surgeries, having ADD and raising 4 children, I've had to put this process on hold many times. I have to read and re-read what alot of people would probably understand after the first pass. It can be a bit overwhelming at times but I've found that the methodical approach that most everyone on this board takes can make it easier for me. Anyway, that's my situation. I know I don't have a high post count, esp. for how long I've been a member, but if it's any consolation I haven't been a lurker or a hit-n-runner either. As far as this thread, I do know that CB is one of the few websites that comes up from a general search for "D Scott Carruthers" in Google. Maybe that's why so many newbies posting on the same subject. java script:add_smilie("","smid_30")

I got a great one on Friday: "This message is for Mrs. X, if you are not Mrs. X please hang up or disconnect. If you are Mrs. X, please continue to listen to this message. There will now be a 3 second pause in this message. By continuing to listen to this message, you acknowledge that you are Mrs. X. Mrs X, you should not listen to this message where other people can hear it, as it contains personal and private information. There will now be a 3 second pause in this message. (insert standard CA spiel here)" What kind of salamanderic voice mail is that??

14 days is a violation right off the bat. Yuppers!! Think I'll play naive and see how many they'll rack up! Has anyone gotten a reply from them after DV?

I officially feel important! I got the D. Scott Carruthers/Regent letter yesterday, oh joy! They have never called me and this is the first I'm hearing from them yet I got this: "You have defaulted on your US Bank account in the amount of $400.66 (What the bloody heck??!??). Pursuant to your contractual agreement, interest has accrued in the amount of $258.42. You currently owe $659.08. To assist in settling this matter, Regent is currently willing to waive half of the accrued interest on your account and accept $529.87 as payment in full. If you are willing to accept these settlement terms, please contact Regent's office immediately at 1-866-WE R SCUM. If you have not contacted Regent to discuss this settlement offer within 14 days, I will begin preparing your case for a lawsuit to be filed in "your county" by investigating your employment, assets and banking information. If it is necessary to have court enforce this contract, court costs and attorney fees will be added to the amount you owe and the settlement offer will be revoked." I did have a US Bank account 5 years ago, but to my knowledge it was not overdrawn and definitely NOT by 400! I closed it because I moved 100 miles away after an operation. I properly changed my address and never received anything from US Bank. My parents were letting me know as bills came in and helping me get them mailed off, so I know they would've questioned anything like this! I have a simple timely DV ready to send them because I know I need to act quickly on this (although 14 days is a little questionable). I considered breaking the news to them that my only income is SSDI, but I'd prefer to hold off on that. The few things that really stand out and bother me about this letter: 1. 14 day window to respond 2. On both the envelope and letterhead the return address is in teeny-tiny font. 3. It was postmarked in Las Vegas, even though the return address is CA. 4. It is D Scott Carruthers letterhead, but the letter repeatedly indicates it is Regent. I assume they are one in the same. (?)