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yummysbakery

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  1. No there was not a non disclosure agreement. It was odd..there were two attorneys out of the same office that were signing their names to various documents over the course of 7 years with the court. The one thing that I knew might have worried them was after my motion to vacate was granted I found out one attorney filed the original complaint in one county which was dismissed for lack of prosecution after it sat for six months and the other attorney filed in a different county (where the default judgement was issued) within 30 days of each other, neither in the county where i reside. Truthfully what i really felt like doing was filing a complaint with the bar association for misconduct...truly unbelievable and you know if it happened to me its happened to thousands....really sad! Sent from my LG-G710 using Tapatalk
  2. So this is long overdue for an update. Since my last post I received a 10 day notice in mid december that midland was going to garnish my wages. Now I was pretty sure they had no info on me or at least none that was correct and with the holidays approaching I just had no time to deal with it. I attempted to contact a few attorneys in the county where midland filed but none wanted to take the case only because they would charge me more than the judgement was. So I procrastinated until Jan when i saw on the docket they actually filed the garnishment. After contacting the clerk of court to obtain a copy ( they emailed it) I was correct that Midland had no correct information. They listed my employment with a company in yet another county from where i live and different from where they obtained the default judgement! All 3 at different opposite ends of the state from where i reside. Anyway rather than let it go any longer I wrote a Motion to Stay any garnishment proceedings and a Motion to vacate the 7 year old default Judgement. Filed it with the court and copied it to Midlands attorneys. 3 weeks later I receive a PHONE CALL from the judges secretary (my mind is still reeling about that) that the Judge was vacating the default judgement but he was going on vacation for a week and would write the order on his return. True to his word he wrote the order vacating the judgement and a total release from judgement going to all the places Midland tried to obtain garnishments. I then decided to go for broke....I wrote Midlands attorney regarding their unscrupulous methods of filing this judgement and pointed out every single item which I felt was illegal. I told them it was my intent to sue them for fcpa violations but in order to save time and money would offer them a one time settlement of $2500. Told them my offer was on the table for 10 days.(I knew I couldnt really sue because of the statute of limitations under the fcpa) Truly I never thought I would receive any response from them. 8 days later I receive a check and a letter stating upon executing the cashing of their check I was releasing them from any further allegations or legal remedies.... Ladies and gentlemen I BEAT MIDLAND but I do not recommend in any way shape or form how I went about this. What I can say unequivocally is Midland has no clue what is going on other than to file boiler plate complaints and hope they get default judgements. So if you are dealing with Midland do your due diligence. Demand everything you are entitled to, show up to hearings (assuming you know about them). Question every piece of paper you receive from them. Sent from my LG-G710 using Tapatalk
  3. Anyone know what nfcu exposure limit is currently? Applied for cli on a 25k cc. I also have a 10k loc. No cb pulled. Received denial in snail mail that i am at maximum exposure. Pretty sure their maximum exposure is more than 35k lol Sent from my LG-G710 using Tapatalk
  4. State of ohio Sent from my LG-G710 using Tapatalk
  5. I was never served. Court records say they sent complaint to an address i never lived at in the county i never lived in. Orginal creditor is hsbc. Debt is alledgedly over 12 years old now and was 7 years old at the time of filing. Sent from my LG-G710 using Tapatalk
  6. The county it was filed in is 125 miles away. Sent from my LG-G710 using Tapatalk
  7. Long story short Midland sued me in 2014 in the wrong county where i never lived. Showed up on my bureaus in 2017. Disputed on my cb's and it was promptly removed from them. I was going to file to have the judgement vacated but cancer got in the way and i never did. Today i received notice that Midland was serving a supeona on Discover requiring them to turn over copies of any applications i had made with them and any payments i had made to them by check to obtain my routing number and bank account number. Obviously their attempt to gain information to collect on their bogus default judgement. I find this to be humerous as i have nothing with Discover. On the other hand im not sure why they are even pursuing this as the alleged debt/ judgment is only $870.00. I do recall they had some time ago sent a garnishment twice actually to chase bank for unearned monies. I didnt have anything but a credit card from chase. So they came up empty. So my question is should i file now to vacate the order can i even do that now? Do i just ignore them? Or do i go after them? I kind of what to mess with them and it would give me something to research during my chemo.... My cb"s are all in the low 800s. I obviously want to keep them that way. Any risks with going after Midland? Sent from my LG-G710 using Tapatalk
  8. I did opt out and keep copies and i just paid the bill to the oc for added protection. Thanks! Sent from my LG-G710 using Tapatalk
  9. Hi why chat Just wanted to let you know that this item has been removed from all of my reports now via direct dispute to the bureaus. I copied the exact wording of the law in my dispute. Instead of snail mail i did dispute online and just uploaded my copy of the law. Experian took one day to remove, Transunion took three days and Equifax took 7 days. I know i didnt do this in the way you would normally suggest and maybe i just got lucky but it may be worth noting going forward that they did appear to determine it is 180 days from the date the ca sends notification and not the day of service as my date of service was in may 2018. Sent from my LG-G710 using Tapatalk
  10. Introduced in Senate (02/25/2016) Medical Debt Act of 2016 This bill amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from making any consumer report containing information related to: (1) a medical debt (arising from the receipt of medical services, products, or devises) if the date on which the debt was placed for collection, charged to profit or loss, or any similar action antedates the report by less than 180 days, or (2) a fully paid or settled medical debt that had been characterized as delinquent, charged off, or in collection which, from the date of payment or settlement, antedates the report by more than 45 days. The bill also amends the Fair Debt Collection Practices Act to require a debt collector, before informing a consumer reporting agency regarding a medical debt, to notify the consumer in writing that: (1) the debt collector could report the debt to a consumer reporting agency 180 days after the notification is sent, specifying the precise end date of the period; (2) the debt will not be reported if it is settled or paid during the 180-day period; and (3) the consumer may, during the 180-day period, either communicate with an insurance company to determine coverage for the debt or apply for financial assistance. The debt collector may not communicate with or report any information to a consumer reporting agency concerning such a debt during the 180-day period. This seems to state 180 days grom the date it is placed in collections? Sent from my LG-G710 using Tapatalk
  11. Thanks. I disputed this with experian and equifax 3 days ago. Its already off my experian report. Its only $91.00 but ive had in excess of 1.25 million in bills (cancer treatments) run through my insurance company and it takes them a while to process. I could have just paid it but i explained in writing to the original creditor and then the ca but apparently they dont care they are violating the law. Sent from my LG-G710 using Tapatalk
  12. In ohio is it true that collection agencies may not report to bureau's for medical bills until after 180 days of receiving info and if so what remedies are there if they do report? Sent from my LG-G710 using Tapatalk
  13. As an update Ax restored my cl yesterday after receiving verification on my income. Not happy with having to jump thru their hoops but it's their card their rules so for now I'll keep the card open and see what happens when I request a cli. Sent from my 2PQ93 using Tapatalk
  14. Actually I have both lol. Old school company with no direct deposit. Paper check issued biweekly with computer print out of deductions. So it was no problem to email a photo of them. Sent from my 2PQ93 using Tapatalk
  15. There was one but I threw it in the drawer and forgot about it. Sent from my 2PQ93 using Tapatalk

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