deuce50

http://creditboards.com/forums/index.php?showtopic=406149 help!

No he cannot afford to consult an attorney....this is a low amount anyway..

My friend is being sued by a CA for a debt that charged-off in 2006. The original amount owed was about $1700, and the CA is suing for $3600. Are they allowed to tack on interest since 2006, even if they the CRAs show that the CA's "date opened" is in 2008? We need to respond to this by Friday...can someone please help in this thread: http://creditboards.com/forums/index.php?showtopic=406149

I don't have time right now to read through this forum, I have a lot of other issues I'm dealing with. Basically, my account was closed about 15 days ago, and I have another 15 days to recover the account by paying off the the amount over-drafted. The reason it's over-drafted is because the IRS keeps emptying my account for money owed to them. My question is this: I'm overdrafted by about $200. If I don't pay this off in the next 15 days, what happens next? If I pay BofA the $200 three months from now, will they re-open my account? Will they allow me to open a NEW account? Will other banks allow me to open a new account before that $200 is paid? Will other banks allow me to open a new account AFTER that $200 is paid?

ttt

Can someone help me structure my response to the summons....please? http://creditboards.com/forums/index.php?showtopic=403542 I'm not getting much help in that forum. http://creditboards.com/forums/index.php?showtopic=132612 Do I use the structure in that thread to answer the summons? How do I figure out what to put underneath Affirmative Defenses? Meaning, how do I know which defenses are valid for my situation? How about counterclaims? This is for a car repo in California.

^ No judgment yet, just a summons. breeze, what exactly am I looking for in the state laws? Also, they attached a copy of the original lease contract with my signature along with the summons.

That's what I thought. I guess I'll wait until I have 20% to settle with some of these companies, and then pick up where I left off. Thanks for the feedback everyone.

Can judgments be removed? I'm being sued for a car lease that I broke. The amount is $35,000. Will I be able to get this removed in the future? Also, here's the thread I posted in the other section: http://creditboards.com/forums/index.php?showtopic=403542 I'm not getting many responses, can anyone answer the questions I've posed in that thread? I have about 17 more days to answer this summons. Should I respond to it myself? I've talked to a lawyer, and he wants a retainer of $2500 which I can't pay right now. What should I do?

Next step is to DV the CA/OC who verified the data. The CRA's only report what they are told to report, they did their part by asking the furnisher to verify what they were reporting. I have been told, by the smart little birdies on this forum, that a 1-2 punch is the best approach after the JackAttacks come back. ****Wait for conformation from one of the senior members on my above statement**** You must understand that by DV'ing, JackAttacking, 1-2 punching the CRA's/OC's/CA's will not guarantee a deletion. A lot of this is a build up of evidence to prove willful non-compliance, which gives your eventual ITS letter a lot of teeth. When you can prove all of their violations, over repeated chances to correct them, you are in control of the end game. Proving to a CA/OC you have the evidence to file a winning suit against them, they will most likely delete. You are letting them hang themselves right now, just approach it as a "stupid consumer", then as they give you the ammunition you can use the knowledge you gained from this forum to scare the crap out of them. I am an avid poker player/gambler, and I love the strategy involved in this whole process. Stay two moves ahead of these scumbags, falsely represent yourself as an salamander, let them think they can treat you like a mushroom (keeping you in the dark and feeding you Sh&%), keep records of everything, then WHAM (not the band), lay out your royal flush and scoop the pot. Understood. But how do I 1-2 punch an OC? I've read that it's a bad idea to DV an OC. If I can't DV the OC, what's my next step? I sent a dispute to the CRAs, the info came back as validated from the OC's, so now I have to dispute with the OC. But what letter do I send them? ttt. I still don't know what to do next.

ttt

But how do I 1-2 punch an OC? I've read that it's a bad idea to DV an OC. If I can't DV the OC, what's my next step? I sent a dispute to the CRAs, the info came back as validated from the OC's, so now I have to dispute with the OC. But what letter do I send them?

I'm not able to pay anything right now.

Next step is to DV the CA/OC who verified the data. The CRA's only report what they are told to report, they did their part by asking the furnisher to verify what they were reporting. I have been told, by the smart little birdies on this forum, that a 1-2 punch is the best approach after the JackAttacks come back. ****Wait for conformation from one of the senior members on my above statement**** You must understand that by DV'ing, JackAttacking, 1-2 punching the CRA's/OC's/CA's will not guarantee a deletion. A lot of this is a build up of evidence to prove willful non-compliance, which gives your eventual ITS letter a lot of teeth. When you can prove all of their violations, over repeated chances to correct them, you are in control of the end game. Proving to a CA/OC you have the evidence to file a winning suit against them, they will most likely delete. You are letting them hang themselves right now, just approach it as a "stupid consumer", then as they give you the ammunition you can use the knowledge you gained from this forum to scare the crap out of them. I am an avid poker player/gambler, and I love the strategy involved in this whole process. Stay two moves ahead of these scumbags, falsely represent yourself as an salamander, let them think they can treat you like a mushroom (keeping you in the dark and feeding you Sh&%), keep records of everything, then WHAM (not the band), lay out your royal flush and scoop the pot. Understood. But how do I 1-2 punch an OC? I've read that it's a bad idea to DV an OC. If I can't DV the OC, what's my next step? I sent a dispute to the CRAs, the info came back as validated from the OC's, so now I have to dispute with the OC. But what letter do I send them?

Ummm....those Amex accounts were both open for 2-3 years, and I know for a fact that they reported to the bureaus more than just ONCE during that time frame. And I'm pretty sure they update every month. Either way, "Months Rev'd 1" is definitely wrong. And like I said, "Charge-off date: April 2008" is also definitely wrong.