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kujoe

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About kujoe

  • Birthday 07/01/1981

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  1. So, I'm not going to go into too much detail here just so that I don't tip my hat too much in-case my lender/servicer somehow sees this. With that said, I have done the research and have spent the last 1.5 years dealing with this and researching. I've even talked to a handful of BK and real estate lawyers. Anyhow, I believe that I have enough proof to initiate a quiet title action in Texas on my house. One lawyer was telling me he wanted my case but doesn't do contingency even though he was even able to quickly see some valid issues with the evidence I provided. Only problem I keep running into is a lot of real estate lawyers want massive up-front retainers and monthly retainers as well. Apparently, even with valid cases, lawyers don't like to do contingency with real estate litigation for some reason? Can anyone please help me with a recommendation on a lawyer who might be able to handle this type of case on a contingency basis (in Texas)? Or some other reasonable fee basis? Thanks in advance!
  2. kujoe

    capital one questions...

    Actually I just combined my MC into my Visa, so it is indeed doable.
  3. bumping and subscribing.
  4. kujoe

    Asset Acceptance called my job

    The OP posted earlier in the thread: If no C&D has been sent, contacting her directly was not a violation Please, people, don't make me defend Asset anymore. It puts me in a parallel universe where up is down and right is wrong and puppies go to bed without dinner. LOL! but anyhow, she also said this right? So if she really did send the C&D back in 08/07, and they called her cell phone just before calling her work. Isn't there potentially a violation?
  5. kujoe

    Asset Acceptance called my job

    She mentioned that they called her cell phone right before calling her work. So if she does indeed know 100% that it was them, there is potentially a violation on that point. I think.
  6. My book, O'Connor's Texas Forms came in today, except it's from 1994. I can't believe I got duped like that. Is it still valid or am I better off selling it on Amazon.com again and trying to find one from 2006 or better?
  7. There are 2 or three other derog's on my report. Based on that, I would NOT recommend an app spree. You have other negative information and so your damages argument just went out the window. The problem OC is not the sole source of the denials. Period. Contributing factor, perhaps, but I wouldn't see your case surviving summary judgment if you claim damages due to one of multiple tradelines reporting in a derogatory manner. Gotcha. Thanks for the input. So based on that, how do I claim damages for a bad TL that's totally bogus? skip the request for actual damages since none can be proven and leave the issue of punitives to the court...and if you were to litigate, make damned sure you do not introduce federal claims into the action or you WILL be in federal court. By sticking only to State claims, you leave yourself with no cap on the damages that the Court could award, keeping in mind also that even punitives are subject to trebling under the DTPA. Nice! Again, thank you so much for your input.
  8. There are 2 or three other derog's on my report. Based on that, I would NOT recommend an app spree. You have other negative information and so your damages argument just went out the window. The problem OC is not the sole source of the denials. Period. Contributing factor, perhaps, but I wouldn't see your case surviving summary judgment if you claim damages due to one of multiple tradelines reporting in a derogatory manner. Gotcha. Thanks for the input. So based on that, how do I claim damages for a bad TL that's totally bogus?
  9. There are 2 or three other derog's on my report. As for the questions that DiggingOut posed above... yes I'm absolutely certain of the law's they're breaking. Texas law is pretty strict and to make a long story short the Texas Laws basically give us consumers more teeth by compelling an OC to abide by FDCPA, FCBA, and FCRA like provisions, yet with more teeth. Violaters can face criminal charges, trebling and uncapped damages. There are sections of Texas Law that do only apply to 3rd party collectors though, so there are some limitations.
  10. I definitely need credit. In fact I need a certain black card to accessorize my wallet. I think it'd match the color scheme rather well
  11. kujoe

    Who has had experience going to the Top Dogs?

    I'd have to back that up. I didn't immediately go to the biggies first. I went through the normal DV process, let them rack up violations, and then when they got stubborn after obviously violating the law I then emailed their executive staff who then made it go away. Board members/investors don't like the idea of things going south.
  12. kujoe

    Who has had experience going to the Top Dogs?

    I got the bigwigs at Cavalry Portfolio to remove my bad TL's by emailing their entire executive staff with a partial ITS. I outlined EVERY violation in fast easy to read bullet points, an then attached supporting documentation. The TL was gone the next day.
  13. Long story short: To fight the OC, and to prepare for court, should I intentionally app spree in the hopes of actually getting denied credit so that I can prove damages?
  14. and that is what has me so pissed. If I was guilty, yeah I would take it and pay it- but I am innocent so now I have to explain it to a judge who sides with the cops. Ugh Subpoena the maintenance/calibration records of the radar gun the officer was using. Most likely you wont get anything and that in itself helps to establish a reasonable doubt as to the accuracy of the ticket. Additionally you can research radar guns and show in court how they're unreliable depending on the weather and other surrounding elements. For example a bunch of cars at a distance of a quarter mile with varying speeds only confuses an officer and his radar gun (which flashes inconsistently). How can he REALLY tell which one is speeding? You might also print out some google maps of the area showing where you were vs where the officer was and how you seriously doubt he had an accurate reading based on the angle and distance.
  15. Ok, so currently I'm in the middle of a battle with a stubborn OC. I think I might actually have to sue as they're not complying with the law at all. They seem to blatantly not care. Anyhow, to prove damages, should I go on a mini app spree to get denials? Currently my real FICO scores are: TU - 611, EQ - 626, and EX - 526. They all dropped after a VERY recent CO was added from the aforementioned OC (Although yesterday for no apparent reason EQ jumped +19 with no change to my report??). Said OC also keeps reporting the account inaccurately by marking it as a CO every single month, and marking it open and as an unsecured loan. I never took out a loan as this place is not a financial institution, furthermore, I've never owed them anything. (How can it be a loan? How can it be a CO every single month? How can it be a CO AND open at the same time???) They have failed to properly DV per Texas laws and have not even complied with the FCRA as well. Anyhow, I'm slowly building my evidence and strategy to sue, but I want everyone's opinion on if it's a good idea/bad idea to apply for credit in order to specifically get denials to prove damages? If so, should I intentionally overshoot for prime cards like AMEX, Chase Mastercard, Discover, etc..? Or do I just app normally?

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