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Inthedesert

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  1. I took the information to JAG today after drafting two letters, one asking for validation and one highlighting their numerous violations of FDCPA during their phone call. Since the debt is not sold to Nationwide only farmed out how is the information report to the CRAs affected? Does this mean it will show up as a late payment instead of "in collections"? Once the JAG gets the letters off to Nationwide I want to draft a goodwill type letter that express my disappointment with the methods they used, the fact that they made no effort to contact me when they knew I was deployed (they have a copy of my orders from April 07 so my interest could be dropped to six percent), and how they have lost a loyal customer with great credit. I would also like to bring up the fact that associating with a company that violates the FDCPA like Nationwide gives AMEX a bad name. Also AMEX also has a recent contract with USAA for USAA to issue AMEX cards to its members. If USAA is going to issue AMEX cards, AMEX needs to treat its military cardholders better. Is this a good idea? Any suggestions on a letter? One last issue I discovered today, there is an inaccurate address on all of my credit reports. It is my ex's apartment from this past summer while I was deployed. I never lived their; she got the place after our divorce. Maybe it is why I never received any notification from AMEX. I plan on composing letters tomorrow to the CRAs but how do I deal with it if it’s the sources of the AMEX error?
  2. I was told in my posting to add a post here and ask "Breeze" for some help. This is my original posting highlighting my issue http://creditboards.com/forums/index.php?showtopic=307590. I am just waiting for the tradeline saying it is in collections to show up on my report. I am devistated this will be my first negative report. I have solid, excellent credit (I have never had late payments or unpaid debts my ratings are 725+) but I know that if I pay it they are not going to care and it will be hard to even get them to deal with me after that. The negative rating will stay on my credit as collections even if it shows up paid. Is there anyway to go about this to get the negative collection tradeline removed or any indication of a negative rating removed? Is it better to just pay it and be done with them, taking the rating and sucking it up or dispute their claim and do a little work in hopes that my name will get cleared in the end? If doing work is the answer where do I start? Is using a JAG lawyer wise or is it better to dispute as a consumer alone? I know some of the things they said on the phone are illegal after I looked up the Fair Collections Act but what can I do about that? I know this is a ton of questions but any help would be appreciated.
  3. Don't they need to at least send me statements saying the bill is not being paid or is late before they can sell it off?
  4. Well Im not so much concerned about the Divorce Part. While we were seperated she range up the debt. As a result when our divorced was finalize the court ordered her to take that portion of the debt because she charged it all. When it comes down to it, its in my name so I am responsible to pay it. Then I can sue her afterwards but I am the one the credit card companies will come after. My main concern is dealing with Nationwide Credit and trying to stop them from ruining my credit. I have a perfect credit report and I always have. I have read some post about submitted letters so they don't call anymore and only to respond by mail. I want to send one of these letters that why I am guarenteed to get all paperwork while I'm over here so I won't be blinded when I come home this fall.
  5. . I divorced summer of 2007. My ex-wife was awarded the entire debt from the American Express Credit Card. The divorces was filled a year earlier stating no erroneous spending/charges will be made. I left all my accounts open so she would have monetary funds to care for our son. In 2 months she took the 500 balance AMEX to over $13000. When I found out I closed the account. This closure caused the bouncing of several balance transfers she was trying to put on my card from hers. Even though she is court ordered to pay the debt she is only an authorized user and I’ve been told I am still legally responsible. While in Iraq I continue to contacted AMEX at least once a month to make sure the payments are getting paid on time and that my ex was following through on her portion of the payments. AMEX always told the account was current and all payments had been made on time. Last time I spoke with AMEX was the end of October. I went home on two week military leave in the beginning of December and as a result had my cell phone turned back on. During that time I received a call from Nationwide Credit. It was the most disturbing call ever. They threatened to sue me if I didn’t pay the debt in 2 hours. I told them I was a soldier and currently on 2 week leave and would return to Iraq in the next week. The Collector laughed at me and told me “your little deployment scheme isnt going to workâ€. Told me that they weren’t going to fall for that trick because I was the sh*tbag that didn’t pay my bills. I tried to go JAG lawyer but I don’t know how much they can give me. I’m back in Iraq now so it’s even harder to get things done. The funny thing is I don’t have one delinquent account. If I would have known I would have paid it. I have all the money needed in a liquefiable asset. That’s why I called them so often for the purpose of checking because I know my ex wouldn’t tell me. I haven’t received anything in the mail, nor has my mother who receives all my bills. This phone call was out of the blue(and it ruined my holiday and the last few days I had left with my family) What can I do? I can’t just go pay it now, American Express won’t talk to me. I would pay the whole amount but now I’m going to have bad ratings and extra fees. PLEASE help. I need some advice on the next step
  6. I divorced summer of 2007. My ex-wife was awarded the entire debt from the American Express Credit Card. The divorces was filled a year earlier stating no erroneous spending/charges will be made. I left all my accounts open so she would have monetary funds to care for our son. In 2 months she took the 500 balance AMEX to over $13000. When I found out I closed the account. This closure caused the bouncing of several balance transfers she was trying to put on my card from hers. Even though she is court ordered to pay the debt she is only an authorized user and I’ve been told I am still legally responsible. While in Iraq I continue to contacted AMEX at least once a month to make sure the payments are getting paid on time and that my ex was following through on her portion of the payments. AMEX always told the account was current and all payments had been made on time. Last time I spoke with AMEX was the end of October. I went home on two week military leave in the beginning of December and as a result had my cell phone turned back on. During that time I received a call from Nationwide Credit. It was the most disturbing call ever. They threatened to sue me if I didn’t pay the debt in 2 hours. I told them I was a soldier and currently on 2 week leave and would return to Iraq in the next week. The Collector laughed at me and told me “your little deployment scheme isnt going to workâ€. Told me that they weren’t going to fall for that trick because I was the sh*tbag that didn’t pay my bills. I tried to go JAG lawyer but I don’t know how much they can give me. I’m back in Iraq now so it’s even harder to get things done. The funny thing is I don’t have one delinquent account. If I would have known I would have paid it. I have all the money needed in a liquefiable asset. That’s why I called them so often for the purpose of checking because I know my ex wouldn’t tell me. I haven’t received anything in the mail, nor has my mother who receives all my bills. This phone call was out of the blue(and it ruined my holiday and the last few days I had left with my family) What can I do? I can’t just go pay it now, American Express won’t talk to me. I would pay the whole amount but now I’m going to have bad ratings and extra fees. PLEASE help. I need some advice on the next step

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