jamiern

what are the SOL laws in CA?

baiting t sell someing or to stir up CB posters

I know I have not been here in a while but from what I remember posters complain about a CCC screwing them this way or raising their rates or a number of things they didn't like. He was just offering a way to get over on these credit card companies to get them to work for you and what you want them to do. I don't understand the negativity of an idea. There are ways to disagree and not be a butt head or demean the OP.

I have no judgements as of yet. Mine is d/t a dviroce and a car that is both of our names that she has been late on for the past year. There is also a Cc that she agreed to pay that was in my name but in our divorce decree she agreed to pay it. her DTI is around 54% because of a new car she bought and a student loan. She qualifies for about 260k but this is a hot hot hot market range right now. Every house we have bid on has at least 10-15 offers and we are bidding 15-30k over asking.

bump. I am in the same situation but mine is bad around 520. hers is around 772. I make well over 100k a year and she makes about 100k. We live in CA and are both nurses. What does FHA look for?

Thanks for the reply. I looked at the botom and I didnt see it. Ill check again

I was lookng on my truecredit and noticed there is a CA for sprint from 2 different ones. One is cavalry and the other is FSBC. Same TL but different amounts. Who is FSBC? What do I need to do? I will send a Validation letter but need an addy.

It is around 11k. The original balance was 5k but with late fees over the limit fees and blah blah blah. There is a judgement as well but it has not appeared on my CR. The judgement is about a year old and the account was charged off about 2-3 years ago

Jack, I had a similar situation a few years back. This is my last letter to the attorney of the CA before I got a full deletion: *** VIA United States Postal Service Certified Mail XXXX XXXX XXXX XXXX XXXX *** Dear Big Scary Lawyer, On XXXXXX XX, 2005 your office signed for a Certified letter, which outlined my problem with Dumass Collections innaccurate reporting on my credit reports. I have the return recipt signed for by XXXXXXXX XXXXXX (Spelling?). My last letter was sent Certified and signed for by XXXXXXXX XXXXXXX as well. Both of these letters were sent addressed to you directly. Mr. Smith was sent a copy as a courtesy. You are the registered agent for Dumass Collections. and ultimately the person who will be served on behalf of Dumass. To claim that your client has forwarded you a copy of a letter, which your office has signed for, as a basis to say you are just being made aware of the issue is incorrect. I do not appreciate the handling of this matter by your office. Secondly your claim that I am trying to extort money from your client or acting in bad faith is false, misleading and inaccurate. I have enclosed physical evidence of how your client is falsely reporting this trade line on my Experian Credit File. Please note the report date. I have similar reports and original credit files for June, July and August of this year. Pay careful attention to the FACT that the account type is listed as Installment, Credit limit set at $125.00 and the Terms set at one month. Your continued excuses for Dumass Collections not accurate. This is prima facia evidence of incorrect reporting. Unfortunately any way you would like to explain away the faults of your client will not help. FICO scoring models are based off of several important factors. One of the heaviest factors has to do with installments accounts, credit limits and balances. Unfortunatley your client has been reporting this inacurate information long enough to cause me trouble with financing for an automobile. Prescinding any issues with FICO scoring, the reporting is wrong, inaccurate, false and misleading. This reporting misrepresents the debt’s character and legal status. Also please note I have a copy of the 200 page manual published by CDIA as to the proceedures reporting and verification of trade lines with the CRAs. I also sent you a copy of the form used to verify and report information in my last letter. Your claims and those of Mr. Smith as to how Dumass Collections reports and verifies information directly contracts the standards outlined by CDIA. The issues of fact support my complaint. This information has been disputed. Your client has verified the incorrect information several times and you have vouched for this in your last letter. Your client is past statutory time limits to correct such inaccuracies without incurring violations of consumer credit and debt collection laws. You misunderstand and misapplied case law in your last letter. First I am not claiming unfair competition. I know this is an area of law that is a specialty of your firm, but to try and shoehorn me into a position I have not taken was strange. Last, you must have either missed or ignored the 9th circuit court of appeals decision which supports my right to a private cause of action. Additionaly the California Department of Consumer Affairs specifically states “Both (meaning State and Federal)of the fair debt collections practices statutes create a private right of action for violations. Both statutes give a debtor power to file a court actions to recover a penalty and any resulting damamges from a collector that violates the statute.†I noticed in my last letter for settlement, I unintentionally did not include the FDCPA violations as well. I will ammend my complaint to reflect and include both FCRA and FDCPA violations. Please note Dumass’s company statement: We employ a formal motto within our company - emphasized continually with our staff - which says it all: "It's either completely right, or it's completely wrong!" This means simply that we operate in a professional manner, maintain lawful compliance at all times, and that we do not 'push the envelope' or operate in 'gray areas' where laws and regulations are concerned. This simple philosophy allows our clients to rest easy, confident that their accounts are being handled in an above-board manner and that they will not encounter legal or public relations difficulties at some future date because of their collections agent. Since you are so quick to wrongly accuse me of acting in bad faith I will offer you the opportunity to suggest how Dumass Collections would like to settle this matter. This matter has gone much further that is has needed to. You have the information you need to see that your client is not the without error, it is time to put this to rest. Sincerely, XXXXXXXXXXXXXXXXXXXXXXXX Facsimile XXX XXX XXXX So what was the outcome of the letter?

"late" means that you have missed a payment on a schedule agreed upon by you and the creditor. There is NO agreement between you and the CA, there is no "due date". Exactly which day was your payment due with the CA to be considered as paying on time? The OC can report you as late if you were late. You have an agreement and a due date with them. The CA may try to tell you that you were "late" with the OC, therefore they are reporting that fact. Problem with that scenario is that they don't have firsthand knowledge of those lates, they occurred with an entirely different creditor. All they know firsthand is that your account has been charged off and sold and perhaps the balance. That's all they should be reporting. What they're really telling you is that they are reporting your history with a different creditor under their name, without actual knowledge of the event they are reporting! Also; 3/4 of the time these bozos are reporting a 120 day late within days of buying the account. They are essentially reporting that you were late before they even owned the account. That isn't possible. This may be a dumb question but if they buy the debt then they buy the contract too right? it is like a mortgage or your student loans being sold and bought to another company you still owe that money and if you were ever late you are still late.

bump anyone please help

I just posted it tonight. Under the title chase

When I go back to the credit forum i do not see this thread? what gives?

I doubt any of you remember me but I have been gone for quite some time and finally got my SN and password back. lol I posted a topic or so i thought with a question and now i cant find it. has something changed?

I found my old SN. It is good to be back. I have an old chase card that is a CO and has been for the past 1-2 years and chase is not sending it to collections yet. I have tried everything from a goodwill letter to settlement to disute to verification all the tricks that were on here several years ago. They wont budge. What can i do next? I am starting my life over with a new girl and we have baby on the way in Janurary. Also my exwife has her car that is our names but she has been 30days late for the past 2 years. It is through nuevell. How do i get rid of it? I have disputed it many times and it came off of my transunion but sticking on the others.