rockell

I appreciate your advice on this matter. At the time, I did provide written notice via US mail that I was moving out. However, now that since so much time has passed, it would be difficult for me to prove this. Also, I am fine with going back to court for a second hearing and possibly working something out with the Managment Company directly to get the Collection Agency out of the picture and off my CR. The Collection Agency has also provided me a written offer for PFD, so I'm wondering if it would just be easier to go this route. Based on the above replies, it may seem this might be the way to go if I can come up with the money.

Hello, I have an usual situation that I’m trying to resolve and getting nowhere. I had a default judgement entered against me by a previous landlord (large property management company) in December of 2016. The judgement is for 4 months of unpaid rent, unreturned keys, and cleaning. The issue is, I had moved out in September. Prior to moving out, there were several issues that caused me to break my lease early. Electric for the entire apartment complex would be turned off for days at a time in the muddle of summer so they could “repair the trash compactors”, black mold in the apartment and common areas, fire alarms being pulled in the middle of the night, maintence men entering the apartment without knocking and with no notice while I was sleeping (I worked night shift at the time). Fast forward to now, and a collection agency is contacting me claiming I owe them $4000. The company is claiming I owe them rent for the months of Oct, Nov, Dec and Jan. After doing some reasearch, I found a default judgement for eviction and recovery of past due rent had been entered against me in Dec 2016. Here is where I need help....ALL of the paperwork filed in district court was filled out and served to the wrong address. Along the lines of, I resided in Building A apartment 705 and all notices were both sent to and posted on the door of Building B apartment 116. There are notices signed by the sheriff that apartment 116 was served. I have copies of all paperwork. The clerk at at the District Court states it was a clerical error on their part and they are responsible for the mistake, however they aren’t willing to rectify it. They advised me to file a motion to appeal with the higher court, but when I attempted to do so, the clerk of the higher court said this situation is not eligible for appeal since I no longer live at the address, and appealing is only to prevent the physical eviction from occurring. The higher court advised me to straighten it out with the lower court but I am getting NOWHERE. Based on my research, I would need to file a motion to vacate default judgement based on improper service, would that be correct? I really need this off my credit report! TIA for your help!

On my credit report it just shows as a collection from Advanced Collection Bureau. I have tried disputing it once with no luck. They may agree to PFD or settle for a lesser amount. My credit report shows 0 public records.

It shows as a collection on my credit report. My credit report shows 0 public records. My moms only income is about 22k/year gross from social security.

Hi everyone- I have a question about whether or not something I've had in mind would be a possibility. I've had great success with credit repair thanks to this site, and I'm down to 2 (somewhat recent- 1 year old) collections. One is from an old apartment judgement that I was never served notice for (notice was delivered to a different apartment so never made it to court) for 4000. Another is a 3 year old Verizon collection for 1300 with Jefferson Capital. No negatives other than that except my credit cards are maxed at 100% util. My credit union is willing to give me an unsecured 5000 loan at a low rate to pay a big chunk of it off. FICOS from MyFico are about 600-615. I work as an RN making about 56k before taxes an recieve 300 a month in survivors social security for my son. My mother is interested in us moving in together and getting on s mortgage together to get a bigger house. She is retired and gets 22k a year before taxes in SS. She has excellent credit (800+) and has 70-100k to put down if needed. We are looking in the 250k-325k range. My question is would lenders be more forgiving of my bad credit if my mother has a large down payment? She is willing to pay off my credit cards if it will get us approved (with me paying her back over time), but I would be on my own with the collections. I'm assuming any lenders would want the collections paid off, and I may be able to negotiate a PFD with them. Does this sound at all possible?

Thanks. The OC is sending me a copy of the letter they sent to the CA back in 2015 that the account is closed and it is to be removed from my reports.

Backstory- In August 2010 I took my son to the emergency room, gave them my insurance card and everything was fine. Years later, a collection for $230 appears on my credit report. I do some digging and contact the OC. Turns out the physicians group at the hospital didn't bill my insurance until 6 months after the date of service, so the claim was denied and they sent the bill to collections. In late 2015, the OC marked the account as closed and demanded the collection agency to remove the account from credit report. NOW, last week, the collection account appears again on my TU report. Furious, I call the OC and demand an answer. They state the account was closed in 2015 and the account was to be removed. They are sending me a copy of the letter of closure. I called the CA (Debt Recovery Solutions) and they state they received notice to delete the account from my credit report, but it could take up to a week to reflect on my reports. Today, I logged on to CCT and my EX score dropped by 25 points because they are now reporting on EX!!! I am livid and want to take legal action against the CA, do I have cause to do so?

Thanks! Current scores are EX 610 EQ 612 TU 628 I'm just frustrated because I see so many threads from people who are a few months out of bankruptcy with significantly higher scores. Because they can't BK again for 7 years. So if you run up a bunch of credit cards you default on, you're screwed. Very true. But as an example my SO is actively late on his car payment right now, has multiple 30, 60, and 90 day later in the past year, a federal tax lien, and maxed out cards util near 80%. Yet, has scores not much lower than mine and gets approved for loans and cars that I instantly get turned down for. It just doesn't add up to me on how somehow he's a lower risk than I am.

Thanks! Current scores are EX 610 EQ 612 TU 628 I'm just frustrated because I see so many threads from people who are a few months out of bankruptcy with significantly higher scores.

So I began my credit repair journey 1 year ago. At that time he only positives I had reporting were student loans and my scores were 550-590. I had 21 negatives including 3 charge offs, a repo, and a slew of unpaid collections. Today, I have 4 secured cards reporting (1 opened a year, 3 opened within the past 2-3 months), with 0% util. I also have a year old car loan with perfect payment history. I am also down to 4 collections (DOFD 2-4 years ago) and 1 charge off (DOFD 4 years ago), but my scores are still in the 600-620 range. I have lots of inquires in the past year (most related to the car loan, but I still don't understand why I'm not seeing much improvement in scores or approvals. I can't get an unsecured card to save my life! Even Cap One has denied me! Is it the inquires? The new accounts? A reporting error somewhere? I just can't believe these older collections/charge offs are affecting my score that much.

Update: So I sent another letter to Westlake extensively detailing how they are not legally entitled to collect a deficiency balance. No response. I called them on the phone and spoke with a rep, and basically had to read a copy of the letter I sent to her. I stated that the repo agent breached the peace, I was given no right to cure the loan, I received no notices, etc. Her rebuttal was that they did send a right to cure letter 3 days before the repossession took place, and all notices were sent. However, they were sent to an old address ( the one I lived at 2 years prior when the car was purchased). Honestly, I don't believe I had ever updated my address with them as the other owner on the car loan had possession of the car and it was not on my mind at the time. Given all this information, the straight out offered me a settlement and PFD of 50% of the balance ($900). They want the money western union before they put anything in writing. I declined, as I don't feel comfortable with this, but I told them I'd think about it. Thoughts?

Did you follow the guides?? http://www.whychat.5u.com/GUIDEBOOK.html http://www.whychat.5u.com/repoltr.html Apparently you contacted the CA who IS?? IS NOT?? reporting?? When you signed as a co-signer you MAY or MAY NOT have also signed (usually on the back) the contract as having liability for any deficiency. Is this reporting on all 3 reports?? WHO is reporting?? The OC creditor or the reporting CA?? Only Westlake is reporting. Professional Bureau of Collections is the CA, they are NOT reporting. The only reason I know they are the CA is because when I contacted Westlake at one point, they told me the account was in collections and who the CA is. I did follow the guides by disputing with the CRAs, it came back verified. So I sent a repo letter to the OC, the CA and the dealership where the car was purchased. I got no response from any of them. Nothing. So I sent a follow up letter to the CRAs and they verified it again. I KNOW they are reporting it incorrectly. I'm sure as a coborrower (I was a joint owner of the car, not just a cosigner) that I signed something to the fact that I would be liable for a deficiency balance. If I understand correctly, no defiance balance can be claimed if they didn't follow the law and send notice of sale or give me a right to cure (which I was willing to pay the loan off in full the day before they took the car), correct?

They never filed suit or attempted to contact me in any way after they got the car. At the time, I couldn't believe they wouldn't take the full payoff of the loan right there over the phone, but I guess they would have rather had a worthless car that apparently sold for next to nothing at auction. I know for a fact they never sent notices to me (they may have sent them to the coborrower) and they won't respond to any of my correspondence. I believe the car was sold in March 2013, so still within SOL, but I'm confident they did not follow the law during the repo process so I'm not afraid of being sued over this.

Thank you so much! This is exactly what I was looking for! Should I file a cfpb, pa ag complaint, or send another letter to Westlake reminding them of their violations and demanding removal of the TL?

I am in PA. I'm not so much concerned about the breach of peace aspect, because that could be hard to prove. Also, the repo guy called my landlord and was trying to get him to open the garage when I wasn't home (landlord basically told him to get lost). At this stage, I know for a fact they didn't send any required notices and that is easier to prove.