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  1. Is the Apple Card reporting on anyone's credit reports yet? I think I'm in my 4th billing cycle now, and it still isn't showing on any of the Big 3 CRA reports.
  2. EQ seems to be asking for verification from everyone for everything these days. Might be some kind of residual fallout from their massive data breach two years ago.
  3. Very disturbing. Is there a list of banks that are known to report information in this detail to EWS? Or a list of banks/credit unions that do not?
  4. Wells Fargo's lawyers will have a field day with this: abstract, obvious, and almost certainly prior art exists. But it's always fun to see Wells Fargo get sued.
  5. I find the whole thing kind of Dickensian, and the practice of dragging these victims of circumstances into court every three months for a humiliating debtors exam reprehensible and abusive.
  6. “Welcome to Coffeyville, Kansas, where the judge has no law degree, debt collectors get a cut of the bail, and Americans are watching their lives — and liberty — disappear in the pursuit of medical debt collection.” https://features.propublica.org/medical-debt/when-medical-debt-collectors-decide-who-gets-arrested-coffeyville-kansas/
  7. Those outsourced jobs to which you refer are not coming back. They’re simply not. Some of that manufacturing is returning to the U.S., but most of the production will be automated. Soon robotic trucks will displace even more jobs — the last high-paying jobs for unskilled labor. The rise of artificial/machine intelligence and automation is going to be very disruptive to the economy and the job market. We need to accept that and plan for it instead of vainly trying to turn the clock back 60 years to the 1950s. it’s time to start having serious, constructive discussions about 30-hour work weeks and basic assistance.
  8. The bank should be able to provide a copy of the court order — that should at least identify the jurisdiction and may indicate some kind of payment schedule (dollars per month or something they’re authorized to withdraw).
  9. Yeah, I heard this on a podcast I was listening to last week. Unbelievable. There were other egregious errors too -- not implementing a patch on a known vulnerability for 4-5 months, until after the breech was discovered; unsecured servers; login and password info embedded in the java script for public-facing websites where it was easily visible to even amateur hackers; and best of all, the people in charge of computer security -- the chief information officer and more critically the chief security officer -- had absolutely no technical background. The chief security officer was Susan Mauldin, a music composition major -- no computer or information technology background whatsoever. Even after they discovered the breach and finally applied the software vulnerability patch, they left other critical vulnerabilities open and waited weeks to announce the breach happened, during which time top execs started unloading their stocks before they could tank. I read recently one of them just got a 4-month prison sentence for insider trading. The website they set up for the public to see if they were affected was a sham -- one investigative reporter entered a bogus SSN and Donald Trump's name and was told his information was affected by the breach. In fact, you could enter any information in the fields and be told you were affected and be offered a chance to sign up for their credit monitoring service. They are using the breach to promote and make money off their credit monitoring service. I could go on for days. Every time I think of this I have to take an ice bath to lower my blood pressure. https://arstechnica.com/information-technology/2017/10/a-series-of-delays-and-major-errors-led-to-massive-equifax-breach/ https://www.nbcnews.com/business/consumer/equifax-executives-step-down-scrutiny-intensifies-credit-bureaus-n801706
  10. The Fair Debt Collection Practices Act does not prohibit lawsuits for time-barred debt. In most jurisdictions they can still sue you, but in your case you probably have the statute of limitations as an affirmative defense if it goes that far. In some cases the clock on the SOL can be reset, such as by making a partial payment or in some jurisdictions even admitting that you owe the debt -- so be careful you don't do or say anything that could reset the clock. In fact, don't talk to them on the phone at all -- ALL communications should be written correspondence, and anything you sent them should be CMRRR. If they don't send you anything in the mail, then they're not serious about pursuing this alleged debt, and you should just ignore them unless they become a serious nuisance. As stated above, the FDCPA does prohibit threats to sue when the creditor/collector has no intention of doing so, but that can be difficult to prove and expensive to pursue in court.
  11. Excellent news! Well done! And well worth the effort it took. You should see a big boost in your scores after this late gets deleted.
  12. Probably. It depends. In Georgia it's because of case law from a court decision that overrides the statutes. Could be different in Washington State, but I doubt it. You really should set up a consultation appointment with 2 or 3 BK attorneys -- they'll know, and they can advise you on your options and the pros/cons of each. Check their ratings and choose them carefully. If one of them tries to pressure you into a hasty decision, walk out.
  13. Same thing in Georgia. SOL is 4 years for revolving accounts like credit cards but 6 years for written contracts. AMEX sued a debtor in state court and got a precedent-setting verdict that the 6-year SOL applies, not the 3-year.

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