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Everything posted by Jasso20

  1. I’m at the point where I just want to pay the *Admin does not allow masked profanity. Please read our Terms of Service.* and be done with it. It’s $1k and I’m trying to buy a house in the next couple of months. Don’t need this rearing it’s ugly head in that process.
  2. Any chance I could get a hand with that, or pointed in the direction of someone who could. I’d pay for your services.
  3. So.. my wife was served today by LVNV and a PI, I guess.. now what? Original Notice and Petition for a Money Judgement. I thought they couldn’t sue me?
  4. A dispute? I thought I won this with arbitration? LE Can you take a look for me? Thanks
  5. Wanted to bump this question as I don't want to miss the deadline. Thanks all.
  6. Hi All, I recently got this response back from Resurgent, wondering what I should do with it? Thank you! "We are provided the following information regarding the account-holder's legal rights in response to a recent communication regarding the above-referenced account. For further assistance, please contact one of our Customer Service Representatives toll-free at 1-888-665-0374 Sincerely, Customer Service Department Resurgent Capital Services L.P." Then have a "Please read the following important notices as they may affect your rights." with some language about notifying them within 30 days to dispute the validity. Got 2 of these on the accounts I filed arb on.
  7. Chase Freedom Chase Southwest Capital One Platinum Where is the best place to find the DOFD? Also, I've been with Green Path and paying them on time for about 8 months now. But, there was the charge off's there when I got behind a few months. I am in Iowa, the SOL is 7 years.
  8. I have a couple of these I want to tackle. I am currently paying them down with Green Path, but slower than I would like. Is it common for creditors to accept a form of PFD if I were to pay a lump sum on some of these balances? I am trying to purchase a car and these charge-offs are really holding me back. I am about to pull my reports to see exact dates and everything. Just looking for the best way to attack. Or if someone can point me in the right direction, I may have missed while searching, I would be forever thankful. Thank you!
  9. Hi legaleagle, What do you recommend I do from here? I would definitely go the pay for delete route if that is an option. These are the last two major items on my wife's report that we would like to get off before purchasing a car. I'll take any advice for next steps! Thanks.
  10. I don't mind paying, just didn't want sued. My end game is to get it off my reports, is this something I just need to wait to fall off?
  11. Thank you! Any advice on next steps? Do I pay this, will it be removed? I'm not sure where to go now. Thanks again!
  12. Could someone please tell me what this means in lame mans terms Response I got on an ARB I submitted. Dear Parties: Claimant has filed with us a demand for arbitration. We note that the arbitration clause provides for arbitration by the American Arbitration Association (“AAA”). Prior to the filing of this arbitration, the business failed to comply with the AAA’s policies regarding consumer claims. Accordingly, we must decline to administer this claim and any other claims between LVNV Funding LLC and its consumers at this time. These policies can be found on our web site, www.adr.org, in the Consumer Due Process Protocol (“Protocol”) and the Consumer Arbitration Rules (“Consumer Rules”), including the Costs of Arbitration. Accordingly, we have administratively closed our file and will refund any payment received by the filing party. According to R-1(d) of the Consumer Rules, should the AAA decline to administer an arbitration, either party may choose to submit its dispute to the appropriate court for resolution. If you believe we have declined this matter in error, please email ConsumerFiling@adr.org. Pursuant to the AAA’s current policy, in the normal course of our administration, the AAA may maintain certain electronic case documents in our electronic records system. Such electronic documents may not constitute a complete case file. Other than certain types of electronic case documents that the AAA maintains indefinitely, electronic case documents will be destroyed 3 months after the date of this letter. If LVNV Funding LLC advises the AAA in the future of its intention to comply with the AAA’s Consumer Arbitration Rules and if applicable, resolves any outstanding payment obligations, the AAA may consider at its sole discretion, accepting newly filed consumer cases going forward. Therefore, if the business wishes for the AAA to consider accepting consumer disputes going forward, the business must, at a minimum, register its clause on the Consumer Clause Registry on our website, www.adr.org/clauseregistry. Upon completion of the registration process and confirmation from the AAA that the business is now active on the Consumer Clause Registry, the business is responsible for informing all parties that Claimant may re-file their claim.
  13. Thank you, last one, what wording do I put in the first section "Briefly explain the Dispute"? I don't want to put the wrong thing.
  14. Got it. I know they allow this to be submitted online but you recommend mailing for proof of delivery right? Thanks again. Hopefully my last question. In the “Business” section, do I put Credit One/LVNV/or Resurgent? thank you.
  15. Okay so I can just print off that portion of the contract agreement?
  16. Hi LE, I know you’ve been helping me a ton with this and I really appreciate it. Quick question, I filled out the “Demand for Arbitration” consumer paperwork from adr.org On the last page it says to send a copy of “A clear, legible copy of the contract containing the parties’ agreement to arbitrate dispute” If it is my decision to go this route via the information I’ve found on this board, is this something I won’t be sending? It’s also asking for a copy of the court order, which we haven’t received since we’re trying to do this before being sued. any more advice would be very appreciated.
  17. Hey legaleagle! I found that Credit One should be tackled with AAA: "Initiation of Arbitration: The arbitration shall be administered by the American Arbitration Association (“AAA”) before a single arbitrator under the AAA’s Consumer Arbitration Rules, or by a mutually agreeable administrator, before a single arbitrator, as modified by this arbitration provision. Information about the arbitration process for AAA can be obtained from the AAA at www.adr.org." is this the correct form? Thank you! https://www.adr.org/sites/default/files/Consumer_Demand_for_Arbitration_Form_1.pdf
  18. Is arbitration the best way to tackle syncrony/lvnv? I asked about this awhile back, but was looking to see if this is still the case. Wife has a card was with syncrony sent to LVNV for about $1002, wanted to tackle this as we are about to buy her a vehicle. Thanks for all the help!
  19. Could someone help me find the CEO's email? Trying to send a Goodwill letter. Thank you!
  20. Ah found it, thank you! So I need to download that PDF from JAMS and send it in? Can't submit that form via online looks like. Legal stuff like this confuses the hell out of me so I just want to make sure I do it right.
  21. No access to the account online, so can't pay that way. How do you go about that if you don't mind me asking?
  22. Wife recently had an account with Credit One charge off for ~$740. Tried paying OC directly, but they kept directing her to LVNV. I know they are under the same ownership, so I am looking for the best way to get this handled. Thanks all.
  23. 57 months with Green Path Probably longer if I continued to do it on my own. Guessing that's my answer? Also was going to try for a loan through my credit union, if that'd be the better option?
  24. I've read quite a bit about Green Path's services on here as well as other places. Thought I'd go ahead and look into it to see if it would be a good choice for me. Set up a call with one of their experts and went over their services and came up with a gameplan. We put in all of our credit cards, payments, bills, income, everything.. Got into a tough spot after using CB to get me credit score on track, so I am back for a little more advice from the experts. My plan would have me paying $620 a month to Green Path for all of my accounts they are working with. Right now we are fighting to make minimum payments on all of our cards, both the wife and I have good jobs and good income, just find it hard at times to stay afloat. Wanted to check this out to get that one sum as well as all of the positive reviews from people who have done it. They are going to propose getting our rates down which on a few cards are extremely high to help with payments. I know most of the cards will probably close, but I'm okay with that. My main question is, if I go with this is it pretty trust worthy? Will it help my credit score in the long run? I feel like having a single payment instead of a bunch of other ones and setting up arrangements is just getting to be a pain in the flowers. Any further advice or assistance would be great before making the commitment. Thanks all.

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