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  1. You need to take that letter straight to the nearest consumer attorney and file a lawsuit for the FDCPA violation(s) they committed. First: they threatened legal action they cannot take and misrepresented the debt. The CFPB requires they inform you that you cannot be sued or have it placed on your credit files (based on the timeline you provided) so that violates. Second: it does not contain the mandatory statement that gives you 30 days from receipt of the letter to dispute that debt. This company is an actual licensed debt collection business. My guess is most consumer attorneys would sue them at no cost to you and collect you a nice little settlement in the end.
  2. What does the contract you signed with the carrier state about delivery times/guarantees? Also, what does it state about dispute processes? The ship date should have been written on the paperwork you received a copy of from the driver when your goods were loaded. What date is that? Here is the major problem I think you have: while your card agreement with AMEX allows you to dispute a charge for the reason(s) you stated the contract you signed with the moving company may not. In fact that contract may have specific language in it that states if you do a charge back they are automatically entitled to interest, late fees, penalties, and collection costs. I have done major multi-state moves three times and every one of those contracts never guaranteed a delivery date that short. The language was also clear that is was a "window" of time for arrival of goods and that would be confirmed 48-72 hours prior to the delivery date. Especially if you are splitting the truck with other customers. Even if you booked the entire rig due to motor carrier laws on how many hours they can drive in a 24 hour period they do not guarantee an exact delivery date/time. EVERY time I got copies of all paperwork when my stuff was packed and loaded and it always spelled out shipping and delivery times. I guarantee you that what ever you signed has a clause that they do not have to compensate you for any expenses as a result of delays in shipping/delivery. You should read every sentence on every page of all your documents before you do anything. It is very likely you do not have a legal leg to stand on. If it is as I suspect then you could actually end up paying WAY more than what this balance is that is in collections if it escalates.
  3. Bad purchase. Dump the car and get rid of the $600/month payment. $43,000 for an SUV is RIDICULOUS. Not to mention that driving a car that gets the lowest gas mileage in a state with the highest gas prices is a bad idea as well. You can get a decent car for one fourth that cost that is paid for or at least at a much lower payment. Not to mention that your car insurance will go down as well as your maintenance/expense budget on the vehicles as well. Consider getting a smaller loan against the 401k to pay these off. Then see if you qualify for a new 0% interest card that you can transfer the CITI to and pay off in a year at no interest. Another option would be to refinance the house paying off the credit cards and HELOC at closing. California allows wage garnishment. With owning real estate in the price ranges in California you can be certain those 3 creditors will sue you and slap a lien on the home. Discover is probably one of the most aggressive at pursuing their own debts. You will not be able to walk away from that much debt and leave the house and car unscathed. You are living well beyond your means. It is time to buckle down and live realistically. Dump the ego status symbol SUV. You can't afford it. See if you can slash your cell phone plan. Cut the cord on cable. If you take a long hard look at where your money is really going and what you have been buying on those cards you will probably be able to find at least $1500-2000 per month that you can focus on getting rid of the debt without sacrificing the house or filing BK.
  4. No. If it isn't reporting it isn't an FCRA violation. If they didn't threaten to sue to collect it isn't an FDCPA violation either. If it is past the SOL to sue and to report there is nothing preventing them from sending letters stating "pretty please pay us" until you send a cease and desist. Yes No
  5. The Gold Coast is a flea bag. So is Circus Circus and Excalibur. They advertise $39 room rate but then tack on $39 per day resort fees and $30 per day parking and that is no bargain. Not to mention the cost of treating for bed bugs when you get home. From what I can tell everyone is waiting to see the outcome of the lawsuit against Marriott for tacking on resort fees. If Marriott loses it will greatly impact the MGM properties in Vegas and every other cheesy hotel tacking them on as a free money grab.
  6. That is a whole different demographic. The status levels on the Boarding Pass are the same whether you are local or not. What added rewards you get like pull tabs on weekends or special slot tournaments are based on your residential address. Just not your status level perks. We visit a few times per year but have friends that live there. The majority of locals refuse to go to the strip when parking fees were re-instated. For a brief time locals parked free but that quietly went away. This is correct. Regardless of how one gets 100,000 points on the Boarding Pass you are President level at that point. Almost everything on property earns status credits if you show the pass first. All except food court purchases and some restaurants but not all. Even some of those are eligible you simply scan the bar code on your receipt at a pass kiosk and it credits you for eating on property. Hotel stays, slot play, spa, bowling, buffet, table games, sports book, all of it earns you points towards status level. Time it right and you can max it out quick. Best example our last trip was during the Triple Crown races. Bet horse racing on any of the big 3 races and the points bonus is big even if your bet is small. I think the wife's $25 in bets netted almost $1200 in parimutuel points on her pass towards "status credits." She redeems hers for free slot play. So you can get the card and earn points spending to get to President status quick or simply get a free Boarding Pass and sit and play slots until your butt goes numb and do the same thing. Either way at 100,000 credits you are President status.
  7. Palms just underwent a HUGE 690 million dollar renovation property wide. Several new restaurants including a new Bobby Flay place. Prior to that completing you didn't miss anything. If being close to the strip is a priority then this would be fine post renovation. If strip access is not a big deal then the two best Stations properties are Green Valley Ranch and Red Rock. LARGE resort properties with spas that are high end but close to local dining and shopping. Red Rock is close to some of the best hiking as well. As for the rewards structure once you have the Boarding Pass it is company wide. Your status is valid across the board at any property. Preferred: you are breathing, 21+ and showed ID to get a card. Gold: non-local who comes once a year and stays two nights. Platinum: non-local who comes a few times a year but not a high roller gambler. President: non-local who comes a few times a year and bets heavy. Chairman: spends more money than common sense on anything and everything. There are also other benefits with outside vendors like cruise lines and such but you would need to research it as to what ones are important to you. I don't know about resort fees but can say that NO Stations property charges for parking. Another area MGM takes hits for charging money for now. Other properties followed them in and when it became obvious it was negatively impacting business they backed off. Only Caesars has not backed off charging for parking. The Stations site is here: www.sclv.com
  8. Rapper who was working pretty hard to re-hab inner city kids from gangs and crime. He was gunned down outside his store by a man who believed he was going to snitch about gang activity. https://www.usatoday.com/story/life/people/2019/06/27/nipsey-hussle-and-his-accused-killer-talked-snitching/1591208001/
  9. Even in AZ the debt would have to have been charged off at 6 months after the default. On a debt from 2008 the latest that would have been would be in early 2009. Even with a 6 year SOL they cannot sue to collect on this debt. The next issue is was Mom an authorized user or a co-applicant? If she was only responsible for the estate then the time to file a claim against the estate has long expired if probate is closed. If she was a co-applicant then the SOL defense still applies even in a community property state like AZ. Jefferson Capital Systems is a junk debt buyer and collection agency. They are NOT an original creditor. They are however a bottom feeder and will use sewer service and lie to avail themselves of the courts. You need to send a FOAD letter to ensure Mom's rights are protected should Jefferson resort to their same old stunts.
  10. Only a handful of states have laws on the books allowing a consumer to do DV after the 30 day initial dunning window has expired. What state are you in? In most states if you send a DV letter based on finding the trade line on your credit report they are free to ignore you and it isn't a violation. The next issue is how old are these debts? If they can still sue you to collect then starting credit repair with DV letters now could simply wake the sleeping dragon and land you in court.
  11. They are not required to actually LIVE in Frisco. There are plenty of affordable places to live within a reasonable commute of Frisco. With the cheapest gas in the country a short commute does not impact the budget near as much as it would for someone being forced to move to California with a per gallon cost of almost $5 if not over it in some areas. The employees being offered San Antonio need to be the ones who are angry. You couldn't pay me enough to live down there.
  12. Neither Convergent nor ERC buy debts. Those are the 2 collection agencies that Sprint, DirecTV and a few others farm out their collections to. The date opened is the date they got the account from Sprint NOT the date you defaulted to Sprint. The CA cannot report any date other than the one they received the account from the OC. If it keeps getting passed back and forth between Sprint, ERC and Convergent the opening date will keep changing. It still stops reporting 7 years after you defaulted to Sprint regardless.
  13. The new Texas law is not about current debts but about 'zombie" debts. Texas previously had very lax laws regarding what it took to reset the SOL on a debt. Even a $5 payment on a 20 year old debt or simply acknowledging they debt could reset the SOL and make it active again. The new law going into effect closes that loophole. Now once the SOL is expired if a debt collector wishes to dun a Texas consumer they are required to include that language that openly states under the law they can no longer be sued for the debt etc. so that consumers are aware this is a zombie debt and they are not required to pay it legally.
  14. The copy of the ad in the article actually does state it. It said that fishing licenses were not included and that a separate stamp specifically for salmon would be needed at an additional charge above the license fee. It also said that if participants did not have a license already they could purchase one at the fishing lodge the night before. He got what he paid for: to go fishing in Alaska and try to catch salmon. He DID catch 2 salmon to be exact. No waders POSSIBLY equates to a discount not a full refund. Would he have demanded a refund had they not caught any fish? The excursion does not guarantee they catch fish.
  15. They are using your address to commit fraud. Do you by chance work where no one is home during the day? This happened to a friend/colleague. One day over lunch she tells us how she received a mailing from the major bank they used for someone else that contained a new debit card. It was NOT her account number or identity. She turned it in to a local branch and they told her not to worry about it as it was probably a mistake. Several days later a package came addressed to that same person that was on the bank mailing. Then other mail. Then debit cards in 9 other people's names. When we heard this we told her someone was using her address to commit fraud because they were not home during the day and who ever it was could go through the mail and take out their fraud stuff before she and her husband got home. She notified the police filed a fraud alert. Atlanta PD did investigate and watched the house for a few days and busted a couple when they went through the mail. My guess is someone may be using your address to commit fraud and is going through your mail and picking up items delivered to the house that were bought with stolen credit card numbers. I would notify the cops immediately and put a fraud alert on credit reports before this escalates to more than your address.

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Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
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