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CreditSucksNot

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  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. No. You need to get copies of EVERYTHING in the court file. Until you see what the court sees you are only guessing at why they are taking their actions at garnishment. Sadly, you could have filed for a continuance due to being hospitalized or had the judgment vacated for excusable neglect for being in the hospital but that is moot now that they have garnished the wages.
  7. YOU are the one who wants/needs the continuance. Why should they pay for it?
  8. The CSR drone you spoke to may be partially correct. The debt is with a third party and they cannot take payment including you must speak to the party it is with. MANY collection contracts are written this way. It is to prevent the CA from doing all the leg work and putting the hours in to have the consumer bypass them and pay the OC. It is also because some collection contracts are written that the CA is paid on contingency of collecting. The CSR may be assuming it is sold because the account is coded you must deal with the third party CA it is with.
  9. OMG she looks like a younger version of Madame. The only thing missing is Waylon Flowers!
  10. Under the doctrine of necessities BOTH parents are responsible for medical bills for a child regardless of which parent carries the policy. Your divorce decree may spell out more specifically which parent carries the policy, who pays deductibles, co-pays etc. but under the law both parents are responsible for their children's medical care. When you say insurance was there a personal injury case or did all payments go only through his medical insurance? If there was a PI settlement I would start with the attorney and see if the claim was ever paid.
  11. Your reading comprehension SUCKS. I didn't advise them to contact ANYONE. I said I would NOT engage them but if the CA did call the OP again I would get an address to send a cease and desist. Learn to read.
  12. That does not necessarily absolve the former spouse from the debt. If you were jointly responsible for the debt then his filing bankruptcy would not wipe out your obligation on the debt. The other problem is the verbal agreement he would pay the debts in the divorce is that the creditors are not a party to that agreement. Even a court order from the family court that he pay would not have removed your legal responsibility on the debts involved. If you were the insured or the patient you would still be responsible even though he filed for BK. The good news is that the SOL to sue over the debt has lapsed in WA state and this is probably a hail mary attempt to collect before the SOL for reporting expires. I would not even engage them if they do call back. You have nothing to gain. If anything I would get an address and send them a cease and desist letter.
  13. I had to travel to Phoenix on business. My boss booked a condo at the Diamond Resorts at an unbelievable rate. The down side was from the moment of check in to departure they hammered me to attend a seminar. Never mind that I had to leave at 6 am for meetings all day. Worse: they had my phone number from the registration and for an entire year got sales calls despite repeatedly telling them to stop calling me. ZERO chance that I would ever purchase a time share.
  14. There is no magic method to rapidly improve your credit scores. If you manage your debt appropriately your scores will reflect it. That means no late payments, good debt to income ratio, low utilization and good accounts reporting. Just to name a few.
  15. A google search revealed no information on this. My neighbor runs the billing department at a large hospital and it took us almost 20 minutes to get him to stop laughing when he read your statement. He says there is no truth to this what so ever. Please post some links to sites that have documented this occurs in the medical billing practices.

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