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  1. There is no such thing as a "slam dunk" GW letter. Rarely do they work these days. If it does be happy but don't count on it.
  2. You completely missed the point. I have searched law firms, debt collectors and JDBs when answering questions on boards like this and NEVER had ads like that appear. EVER. It is new that this company texted me on my phone and then within a month I started seeing ads for them and them only. If this is a new collection tactic that is going to be used then consumers need to be aware of it and the collection law(s) eventually amended to account for it. This is extremely helpful thank you. The good news is I have been researching upcoming vacation plans so any targeted ads they were using have been hit by a tsunami of ads from Disney, Seaworld, Bush Gardens and resort hotels replacing the CA. Good luck getting past their targeted advertising debt collector.
  3. Recently I got a text message asking if this was my number. (I work for a LARGE company that this sometimes happens when colleagues track me down to ask for help) so I said YES. Next response was a debt collection attempt. I recognized it as a potential scam because it was allegedly for a payday loan and I have never taken one out. I texted back not mine and cease and desist. I received a couple more texts from a supposed different collector same account. Sent same FOAD text. This is where it gets weird. The first one that contacted says they are a debt collector called DRA LLC. I googled them and there is a licensed actual CA by this name with a working website. The odd part is now on some web pages I am seeing an ad for this company that say "we have been trying to reach you" go to the website [web address] you can settle your account for less. The "ads" are on sites where I read comic strips, home page for news, and other random consumer sites. They come and go. I ran anti-virus and have a firewall. It has greatly diminished since I cleared out cookies. Anyone ever heard of this happening? Or is this a new collection tactic?
  4. Not only demand but EXPECT them. Unlike previous generations that purchased the home they NEEDED the housing crisis was fueled by buying the house they WANTED. They believed they were entitled to a McMansion and did what ever they had to in order to get one. Several thousand? That was cheap in repairs in Atlanta. There were pictures of damage done on vacating at foreclosure that really meant tearing the house down and rebuilding was cheaper than repairing or renovating.
  5. Realistically I KNOW this but emotionally it sucks they get away with it.
  6. Not true. My Citibank card got hacked a week ago. The card is in my possession and has never been used at a gas pump or out of my presence. They somehow got the number, cloned the card and I got a text message asking if I charged $1.75 at a vending machine in New York. I texted 2 for NO back. Within 30 seconds CITI called me and we started the fraud process. During the call she asked if I was currently as in RIGHT NOW in Marshall's in Manhattan trying to purchase $588 worth of merchandise. I told her NO! I live in California on the other side of the country and was at home. She declined the purchase and closed the card. They sent me a new card FedEx. These criminals buy account numbers. They clone a card and use it at a vending machine for a small purchase. If it works they know the account is active and valid and they immediately head to a retailer to charge as much as they can before the consumer and creditor catch on. No CVV# or billing address needed. If they are really lucky the consumer/creditor does not catch on for 24-48 hours and they can do a lot of spending. They walk away with the merchandise. The consumer doesn't have to pay the charges and the criminals know the chances anyone from law enforcement is coming after them is slim to none. I was really ticked off that despite the fact they KNEW the criminals were in Marshall's right then with the fraudulent card CITI was not the least interested in sending the cops out to grab them.
  7. NONE of that is a requirement for validation and if you send that all you will be doing is telling them that you are clueless about the collection laws and how to use them to your advantage. The only "proof" they would be required to provide is if they already had a judgment against you. They would have to produce a copy of that record. Velocity typically folds with a granted MTC arbitration. Even if you elect it now in a DV letter they will sue you. Keep an eye on your local court docket. It won't take them long to file against you.
  8. Velocity buys debt portfolios from companies like Lending Club (a big one for them) and Web Bank (Dell computer financing etc.) did you ever have one of those? And yes, they will sue.
  9. 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.
  10. 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.
  11. 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.
  12. 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
  13. 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.
  14. 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.
  15. 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

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