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Kles

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Everything posted by Kles

  1. Hi, I opening up a personal loan at NFCU on March 22, 2019 for $5000. Term is 30 months I only opened the loan because all my credit reports only have credit cards reporting no collections, auto or home loans student loans. - & I wanted to improve my account mixture. I never spent any of the money - I have it in a high interest account. Whats a good time for me to pay the loan off? Is there a "good time"? Since it's been a year - would paying it off now be hurtful or defeat the purpose of opening it up in the 1st place?
  2. Kles

    Collection Advice

    From reading the arbitration clause , it sounds like you get 5K IF the arbitrator rules in your favor. Yesterday another exec called me and said their offer is $300 and removing the account. When I mentioned the clause they said 5K was awarded if the arbitrator offered any amount higher then Verizon’s offer.
  3. Kles

    Collection Advice

    Verizon doesn’t have a judgment against me.
  4. Kles

    Collection Advice

    If I'm reading this correctly you are debating whether to pay $43 or offer something less. Good lord, man, offer to pay the $43 and move on!! No apparently you’re not reading this correctly because that’s not what’s in debate at all.
  5. Kles

    Collection Advice

    As of 5/31/18 the only collection reporting is the verizon. I filed for arbitration & a Verizon Employee contacts me via phone saying she will completely delete the negative tradeline if I would agree to sign a statement withdrawing the arbitration. I replied saying I know about their clause & the whole reason I had to cancel the account in 2014 was because of the horrible service & I included screenshots of the over 26 emails to the Verizon executive office & myself in 2014. This was her response : Good Afternoon, How much are you willing to settle this claim for? Sincerely, Stacy W. Verizon Executive Relations Team —— What should my response be?
  6. Congrats!!! Where you been? lol Always been here! Lol I’m more of a reader then poster! Lol. I was going through “my content” when I came across this thread.
  7. Capital one ended up extending me credit & have been giving me increases very 6 months or so... Macys...lol they want no parts. They won't even give the option of repayment.
  8. I’ve been dying to become a member of DCU.
  9. Still haven't received her credit reports yet. I did call Medicare and they said a request to put the claim "back online" because it has already been purged from the system. I have to call back in 7-10 business days to get a copy of the claim. I also called Medicaid and was told that in Feb 2012 she had straight Medicaid no HMO but she said she was unable to provide me with any documentation. I've googled the doctor who the bill is for & when I call the office that's listed they say he doesn't work for them.
  10. Kles

    Collection Advice

    Thanks L. Eagle! Do I send a PFD letter & then when they do offer how do I bring up this clause? Thank you, Since the Essex county account is from Fall 2008 , how does the 10 year SOL apply? File for arbitration per the contract. It's either JAMS or AAA. Either way, that is the beginning of the end for any debt buyer. Trident Asset Management only includes the partial account number on Experian report. On both the Verizon and ADR.org site. it says I have to have the contract. How do I obtain that info? from Verizon : How do I begin an arbitration? If you and Verizon have agreed to arbitrate (either through the Terms of Service or mutual agreement), the first step is to provide notice to Verizon by completing the Notice of Dispute Form, found here or obtained from the Verizon Dispute Resolution Manager, One Verizon Way, VC54N100, Basking Ridge, NJ 07920-1097 or NoticeOfDispute@verizon.com. The completed form should be sent to the attention of the Verizon Dispute Resolution Manager according to the directions on the form at least 30 days in advance of initiating the arbitration. The arbitration will take place in the county of your billing address, unless we agree otherwise. If your claim is for more than $10,000, the AAA's arbitration rules will apply. In these cases, the party losing the arbitration can ask for a panel of three new arbitrators to review the award For claims of $10,000 or less, the party bringing the claim can choose: (i) Arbitration. If you select arbitration, you may choose to have the arbitration carried out so that the arbitrator will base his or her decision solely on documents submitted by the parties, or the arbitration may be conducted through an in-person hearing, or by phone call; or (ii) To bring an individual action in small claim's court Even if you complete the Notice of Dispute Form, you must contact the AAA and follow its procedures to initiate the arbitration. You may begin an arbitration process by contacting the AAA for the proper forms. The completed forms should be returned directly to the AAA. Please make sure you include the name and address of the Verizon Dispute Resolution Manager, One Verizon Way, VC54N090, Basking Ridge, NJ, 07920-1097. The AAA will assign someone to manage your case. You will be contacted with instructions for continuing the arbitration process. Be sure to keep a copy of everything you send to the AAA. Verizon will reimburse you for the fees the AAA may charge in connection with the arbitration of your dispute. If you cannot afford to pay the filing fee directly to the AAA, Verizon will do so if you provide us with a signed written statement of your situation. If the arbitration proceeds, we'll also pay any administrative and arbitrator fees charged later, as well as for any appeal to a panel of three new arbitrators (if the arbitration award is appealable under the Terms of Service.) You may obtain procedures, rules and fee information from the AAA (www.adr.org).
  11. Thank you aagin WhyChat, I will contact her 2nd insurance tomorrow morning. I've opted her out & will send in the request to remove alternate names & old addresses as soon as I get them. I will be sure to come update on the progress!
  12. My mom lives in a senior community and apparently they had a “credit repair” workshop, which is how she signed up for that “free” site. I had sent away for her reports and will guide her through your steps. Thank you very much Hopefully it does get removed , but I feel her second Insurance should have picked up that cost.
  13. If Savit has a business relationship with the medical provider it is not a violation for them to get copies of bills and medical records to respond to a dispute about the collection. You can contact and ask if they are a Medicaid provider and will bill them. There is a time limit to do so. If the provider is not a Medicaid participant then it won't be covered and would have to be paid by her. There is no private right of action for a HIPAA violation and even if there was you would not have standing to pursue it. Thank you, I am trying to track down the doctors office now to see if they can bill the 2nd insurance. Why do you say I have no standing to purse even if there was violation?
  14. From the looks of the bill that was sent, it looks like only Medicare was billed.
  15. My mother joined a website which is free for the 1st two months ($9.95 after) that disputes collections for you. They supposedly go after the violations (if any) for you in court. She had a medical collection for $72.89 from Savit collection agency. Savit mailed a letter to her yesterday saying they confirmed her name, address, & amount due and attributed the balance as her Medicare co-insurance responsibility. The second page is a copy of her bill with her name, social (they scribbled out the first 6 digits) , the dates and the medical procedures performed. - isnt that a violation? My mom also had two insurances - Medicare &. Medicaid though the state. Do I contact the doctors office and ask them to bill the balance to Medicaid? Or can I go after the Savit for a violation?
  16. Kles

    Collection Advice

    Thanks L. Eagle! Do I send a PFD letter & then when they do offer how do I bring up this clause? Thank you, Since the Essex county account is from Fall 2008 , how does the 10 year SOL apply?
  17. I think the OP was trying to understand how a collection account (which usually makes scores deplete) made her score rise.
  18. I feel like I am in the twilight zone! I started the $1 trial of CCT on Feb 4th. When I login & select my account 7 then Payment info I'm scheduled to be charged $29.95 on Feb 14. It says to cancel I should call 1-866-506-7894. ​Im asked to enter my SSN and Zip code & when I select the option for canceling the account - I'm told I have a free account so there is nothing to cancel & im hung up on. Same with 877-284-7942 Did you call before they were open? I just called the 866-506-7894 number and it worked fine for me. Wait time greater than 15 minutes. Try it now. If you wait until later, your hold time will likely be greater than 1 hour. I selected the billing option instead of the cancelling option & now I am on hold. Thank you
  19. Kles

    Collection Advice

    *I contacted Essex County College & the bursars office called me stating the balance was from the Fall of 2008 semester and I should contact the CA because that's who has the account. I asked her what does my financial aid package show as far as payments & she said there is no info in the system because of the length of time that has passed. She would not give me her name. I see you stated state institutions have a 10 yr SOL , which will be this year. *I printed out the account section that shows there is a $0 balance and sent a letter to PSE&G because there is no option to email them. * I just have to work on the Verizon account. LegalEagle suggested I ask for a settlement then bring up the above clause... Will a JDB offer a settlement for a mere $43? & that clause is in Verizons contract not the JDB's right? So how will I use that against them?
  20. I feel like I am in the twilight zone! I started the $1 trial of CCT on Feb 4th. When I login & select my account 7 then Payment info I'm scheduled to be charged $29.95 on Feb 14. It says to cancel I should call 1-866-506-7894. ​Im asked to enter my SSN and Zip code & when I select the option for canceling the account - I'm told I have a free account so there is nothing to cancel & im hung up on. Same with 877-284-7942
  21. Just to make sure I understand - I can sign up for the 7 day trial for $1. Cancel. Then in 10 days I can sign up again for another 7 day trial for $1? Yes. The 7-day trial is actually the 10-day trial. Thank You
  22. Just to make sure I understand - I can sign up for the 7 day trial for $1. Cancel. Then in 10 days I can sign up again for another 7 day trial for $1?
  23. There are 3 collection accounts showing on my Experian report. They are all under $300 , so I can pay then IF need be - but as always I came here to get sound advice first. I know collection agencies are the Devil & I need to secure PFD letters IF I go that route. 1.This is a home phone service that I had around 2012 - I am not sure if the OC or a different CA had this on my report years ago - but I know CB helped me to remove it. I read that its a good idea to save all paper reports in case they are reinserted, I had them in a storage unit that flooded. Account Name TRIDENT ASSET MANAGEME Account # XXXX Original Creditor VERIZON Company Sold - Account Type Collection Department / Agency / Attorney Date Opened Jun 1, 2015 Account Status Closed Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department Status Updated Jul 1, 2015 Balance $43 Balance Updated Dec 20, 2017 Original Balance $43 2: Account Name EASTERN REVENUE INC Account # XXXX Original Creditor ESSEX COUNTY COL Company Sold - Account Type Collection Department / Agency / Attorney Date Opened Feb 1, 2016 Account Status Closed Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department Status Updated Mar 1, 2016 Balance $298 Balance Updated Jan 22, 2018 Original Balance $298 3. This also reports on TransUnion. Account Name AARGON COLLECTION AGEN Account # XXXX Original Creditor P S E G SERVICES CORPORATION Company Sold - Account Type Collection Department / Agency / Attorney Date Opened May 1, 2017 Account Status Closed Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department Status Updated Jun 1, 2017 Balance $235 Balance Updated Jan 7, 2018 Original Balance $235 I have no collections reporting on Equifax.

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