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  1. I consider a sign so didn't want to pursue it but just kind of odd you give them paystubs and W2; my stubs/income vary though so that may have been it.
  2. Didn't have to actually file a motion. Judges clerk said a letter would be sufficient. So she took care of that and adjourned the date till May. So I'll either call Portnoy and make a 25% of the balance offer or I might just pay the $200 and file for for arbitration
  3. After all that. I did the preapproval thing, (score 630 a few baddies) and Lending club asked for Paystubs, did that then they wanted W2, did that and then 3 days later come back and DENY Reason: Unable to verify income. WTH, I did the chat thing and they weren't able to expand anymore on that. Anyone ever have that happen?
  4. Well I spoke with Portnoy law firm and they agreed to have this matter set in court at a later date than the original upcoming date, as long as I filed for it... meaning I have to pay the $40 court fee to file the motion. sneaky bastar.. SO I'll file that tomorrow at the court.
  5. Hi. Last Summer I was initially served and served paper buy Schacter Portnoy for a retailers debt from 3 years ago. I asnwered the summons and waited. I eventually go the interrogatories in the Fall and again in January along with the court date in mid March. During that time I also entered into a class action for FDCPA violations through a firm in NYC. I told them last week about the upcoming date and how should I proceed but they explained they only represent the class action and I should seek counsel in my county for the court hearing. Called the Law Clerk and explained it and she stated to contact Portnoy and have them consent to an Adjournment into May so that I may find counsel to represent me. Called portnoy told the guy on the phone who stated he has to look into the matter with someone else to see what to do. debt is for $1800 - New York State Any thoughts about legal action I should be aware of? Settlement numbers if I choose that route?
  6. well their auto loans are cheap; so when that time comes. Correct though, not much glamour to their card.
  7. I'm glad about the Discover, I've NEVER was able to get one in all my years.
  8. Oh Well. I have been with DCU for a few years. Have a FICO of 650 but a 2013 BK and some lates from 3 years ago plus a collection chargeoff from 1.5 years ago. Was hoping because of my use in deposits and savings plus having used their $1k quick loan successfully that I'd have a shot. Called rep and said because of past lates and collection. HE said if they could have offered lowered they would. I am sending a reconsideration to the loan officer and see if it helps to get it. Funny, Discover just gave me a $4K credit card 3 weeks ago.
  9. Hi! I made a payment on Show MasterCard by calling in. Spoke with rep gave her my debit # and made a payment. 2 days later I see payment come through with an additional 3.95 to it. There was NO disclosure during the call about a phone payment fee, NONE. I would have remembered. I spoke with a Show rep and she said sorry, it can't be reversed and she checked with her supervisor who stated after reviewing the recording they wern't able to determine if the fee was disclosed. Hmmm. It's not the fee that bothers me so much as it is the Failure to disclose. I was led to believe that the $53 payment would be taken out of my account as a $53.00 payment, not $56.95. Is there any type of recourse or a failure on rights over something like this? I'm looking to make it more of a point that they failed to disclose and can't just take out what they want.
  10. I know that, I'm just saying that tax filing fraud is what I'd be worried about. No way to prevent that until you've been a victim, but IRS has gotten better at catching it. I was a tax filing victim 3 years ago. Discovered when I sent in my return via TT and alerted I already filed. took 6 months for IRS to clear up.
  11. SO I froze mine yesterday (signed up) . I use Credit Karma and another alert reporting company. I would think that as long as I get alerts of activities I should be fine; thus wonder how credit freeze is? either way I would find out if someone used/tried anything. My worry would be IRS tax return filings before I filed mine.
  12. I was served back in Late april, have the index #. But the sheet I got today was just a blatant attempt to put fear into me by making me think it came from the court. I can't believe they sent a letter with the court's address in the return windo on the envelope. and nowhere on the paper does it say it's from the debt collectors office. that's really low. I didn't ask for a validation, I just DENIED each allegation. It's an honest denial because really don't know who this debt buyer is, the exact total they have, who owns the debt.
  13. no court logo, just the court address. then the few lines that say "SUPREME COURT OF THE STATE OF NY...." COUNTY OF..... PLAINTIFf: John Doe Defendant:...CROWN Then it goes into a short one paragraph like what originally wrote. and that's it on the paper. I responded/filed to the complaint with "not enough information to validate.." and that was 2 months ago. The sleazy debt law firm has sent one letter a few weeks ago with a validation (charge off statement, account sold/bill of sale) and then on their letterhead, they say they have verified the existence of the debt and please review. in the event you want to reconcile, call our esteem law-firm and pay us $500 in full satisfaction of the debt" I'll go into a courtroom if I have to, but before it ever came to actually doing that I'd get it settled beforehand. I'm surprised they paid the county court fee ($200 est)to file on an $800 debt. I'll eventually offer them $225 to settle. I know it's not a letter from the court, just made to seem that way, plus the zip code is from NYC.
  14. So I was served a complaint by a debt collector ($800 debt) by Stephen Eins in NYC and of course I responded with my answer and to make sure they didn't get a default judgment. Funny too, they never spoke with me either. So that was 2 months ago. Then I get a letter in the mail today with the NYS supreme court address in the senders window on the envelope. I open it and it's just a one page letter that would look like it came from the court and just saying "A lawsuit has been filed against you claiming you owe money.....you should file a response asap. Is that a new tactic? Obvioulsy these leeches were hoping they could get a default judgment but thats not the case. So now they try this tactic. I dind't think they could mail things like this. ANyone else would have assumed it came from the court house. NOWHERE does it mention the names of the debt collector, just plaintiff: Crown Asset
  15. what does Synchrony offer for a hardship program? is it Closing the account and giving 0% for X number of months to pay it off? do they offer a rate reduction for a year?

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