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CreditSucksNot

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Everything posted by CreditSucksNot

  1. 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
  2. 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.
  3. 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.
  4. 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
  5. 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/
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. YOU are the one who wants/needs the continuance. Why should they pay for it?
  15. 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.
  16. OMG she looks like a younger version of Madame. The only thing missing is Waylon Flowers!
  17. 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.
  18. 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.
  19. 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.
  20. 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.
  21. 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.
  22. 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.
  23. The last activity is either the date of care or when you last made a payment to the hospital on the account. Which ever is later. There is no requirement they notify you before reporting. It is not a violation to do so. Sorry. I would send the CA a debt validation letter to buy time. The problem you have is the SOL is very much still alive and it appears they do sue over these debts.
  24. If the letter is correct then it appears the debt has been sold. Not common with medical debt but does happen. That means charity care is definitely out of the picture as the hospital has no role in this anymore if the debt has been sold. Worse: the debt buyer has NO obligation to offer charity care. If the debt has been sold: not helpful at all. A google search reveals there are a LOT of problems with this CA and this "law firm" and I use that term loosely. The negative BBB complaints along with the number of consumer attorneys offering free representation against them is mind boggling.
  25. Freezing your credit report does not prevent a creditor from reporting a debt. It only prevents someone from applying for credit in your name without the authority to unfreeze the reports or for creditors to screen for new credit randomly by accessing your reports.

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