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ICANHASMUNY?

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About ICANHASMUNY?

  • Rank
    Forum Leads - State Laws
  • Birthday 06/13/1952

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  • Location
    California

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4,280 profile views
  1. It's a real common scam ; caused by all the Data breaches at Experian and Equifax - they know you were in debt at one point, so they have all your information and can skip trace where you are now ; - https://www.consumer.ftc.gov/articles/0258-fake-debt-collectors - https://www.thesimpledollar.com/expose-a-fake-debt-collector-by-asking-these-three-questions/ - https://getoutofdebt.org/31596/ftc-goes-after-fake-debt-collectors-posing-as-process-servers - https://www.paulmankin.com/Articles/Debt-Collection-Articles/FTC-Issues-New-Alert-Scam-Artists-Posing-as-Debt-Collectors.shtml - I could post hundreds of articles and pull hundreds more from here on CB https://creditboards.com/forums/index.php?/forum/56-debt-collector-hall-of-shame/
  2. Most times, if you file a motion to vacate the judgment, you're asking for a new trial.... so, you also need to file a proposed response to the original complaint that includes meritorious defenses. ie; you have to prove that there were trial-able issues of fact which may result in a different verdict ; otherwise the court isn't required to retry a case only to have the same result & this all may take months - a motion to vacate isn't going to be a quick fix for your credit reports go to your state court website, find the RULES OF CIVIL PROCEDURE and read up
  3. SCAM COMMON TACTIC tell them to FOAD. verbally . over the phone . Really.
  4. ICANHASMUNY?

    Garnishment with co-defendant I have had no business with?

    if this judgment was never on your credit reports, it MAY NOT BE YOURS banks sue the wrong folks all the time, lawyers try to garnish folks that were never part of the law suit YOU NEED COPIES OF ALL THE COURT PAPERS !!!! http://kcur.org/post/jury-awards-kc-woman-83-million-debt-collection-case#stream/0
  5. ICANHASMUNY?

    Need Advice - Derogatory Biz Line Found on my CR??

    it's too wordy and no, that case law isn't anything you want to cite in a letter it shows that business debts by an LLC are not subject to the FDCPA.
  6. ICANHASMUNY?

    Need Advice - Derogatory Biz Line Found on my CR??

    Use mine, just threaten a lawsuit DON'T MENTION the FDCPA , just your STATE LAW 2. Where limited liability company's debt was not incurred primarily for personal, family or household purposes, it was not a "debt" as defined by 15 U.S.C.S. § 1692a(5), and the company was not entitled to maintain a counterclaim for violation of the Fair Debt Collection Practices Act, 15 U.S.C.S. § 1962 et seq.; because the company failed to state a claim under the Act, it also failed to state a claim under Pennsylvania's Fair Credit Extension Uniformity Act, 73 Pa. Stat. § 2270.4(a). Lyon Fin. Servs. v. Woodlake Imaging, LLC, 2005 U.S. Dist. LEXIS 2011 (E.D. Pa. Feb. 9 2005).
  7. ICANHASMUNY?

    Breeze

    The Folks there are probably happy to help those who truly need this ; as social workers, it what they studied and joined up to do, not just weed out the fraud.
  8. ICANHASMUNY?

    Garnishment with co-defendant I have had no business with?

    Yes, the judgment could have been transferred in , and - online records are not always accurate - especially in a case that was filed almost 10 years ago - nowadays, court records are automatically entered online - the lawyers in the larger jurisdictions can now file electronically instead of having a clerk drive over the paper documents - 9 -10 years ago, not so much Also, it could be a different law firm filing the garnishment than whom originally filed the complaint - cases are transferred all the time. mind you - the judgment DOES have to be transferred in to obtain a writ of garnishment out of the local court the clerk of courts should have a copy of it
  9. ICANHASMUNY?

    Garnishment with co-defendant I have had no business with?

    Also, remember that and Original Creditor Doesn't need to file suit where you reside This could have been filed in a different county or state and transferred over to your local court
  10. ICANHASMUNY?

    Garnishment with co-defendant I have had no business with?

    Follow my advice and call the clerk of courts where the judgment was awarded - give them the case # listed on the garnishment papers - like I stated previously - Sometimes the Attorneys just go after anyone with the same name , or sometimes it's john doe sr. who was sued, and you're john doe jr. Obtaining the original lawsuit documents will clear this up , you need to get those before answering anything, and you need to do this ASAP" = And you can DV the attorney listed, asking for copies of Said judgment
  11. ICANHASMUNY?

    New game for GF

    Ouch.
  12. ICANHASMUNY?

    Need Advice - Derogatory Biz Line Found on my CR??

    DV the CA reporting it - they may have put this on other officers reports too as far a business debt not being covered by the FDCPA, State law may cover it In some U.S. states, commercial collection firms must be licensed in order to do business in those states. For the protection of creditors, most of these states also require that the firms be bonded. In some states, licensing is required to collect for creditors of that state; in others, to collect against debtors located in the state. Arizona- License required (also apply state debt collection laws) Buffalo, NY- License required (also apply state debt collection laws) Delaware- License required (also apply state debt collection laws) Florida- License required (also apply state debt collection laws) Guam- License required Idaho- License required (also apply state debt collection laws) Illinois- License required (also apply state debt collection laws) Indiana- License required (also apply state debt collection laws) Minnesota- License required (also apply state debt collection laws) Nebraska- License required (also apply state debt collection laws) Nevada- License required (also apply state debt collection laws) New Jersey- Bond only (license is not required) North Carolina- License required Oregon- License required Pennsylvania- no license required, but apply state debt collection laws Puerto Rico- License required (also apply state debt collection laws) Tennessee- License required (also apply state debt collection laws) Utah- License required (also apply state debt collection laws) Virgin Island- License required (also apply state debt collection laws) Washington- License required (also apply state debt collection laws) ( CA Name ) RE; ACCOUNT # ____________________ Dear ( CA Name ) Pursuant to ( your state name ) Statute _________________Please contact your client and provide hard copy documents with my signature that shows the above account was personally guaranteed by me as an individual If your firm cannot produce suchdDocumentation, delete the subject reporting of this debt from my personal credit reports, or face a lawsuit. Sincerely, ( printed name and address )
  13. ICANHASMUNY?

    One is the loneliest number ...

    Even After Oliver donated Russell Crow's Jockstrap ? https://www.syracuse.com/celebrity-news/index.ssf/2018/04/john_oliver_russell_crowe_jockstrap_blockbuster.html https://www.stuff.co.nz/entertainment/celebrities/103710121/russell-crowe-rewards-john-oliver-for-jockstrap-purchase-with-special-donation so deflating it must be
  14. ICANHASMUNY?

    New game for GF

    panties

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