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mallaparte

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  1. mallaparte

    PBS Frontline

    Fantastic contribution. I learned a lot. Thank you very much for looking out.
  2. mallaparte

    Student Loans, Late Payments and Credit Reporting.

    Did anyone ever deal with “University Account Services”? Few years ago I went to one of those for profit colleges and since I couldn’t find a job with the fake degree I got from them I ended up defaulting on my student loan. I was able to make payment two years ago and finally rehabilitated my loan. I still receive a bill from University accounting claiming I owe $2000 to that “College”. I strongly believe that I was the victim of a scam, and that the advisors in those for-profit colleges are trained scammers who would accept anybody as long as he can sign his name on a contract. I learned that University Account Services is a bill collector often used by colleges to collect on a debt. The last payment I made on that bill was five years ago, which means the statute of limitation has already expired. Enrolling in that “college” was the worst mistake I have ever made and I certainly don’t want to pay them a dime if I legally don’t have to. Could someone tell how to proceed in order to make sure whether it was a written contract (SOL 5 years) or a promissory contract (SOL 6 years)? Is there a way out of this? Once I know for sure is it possible for me to send a “cease and desist letter” never to be annoyed by them again? Thank you for your advises
  3. mallaparte

    I need student loan help

    Did anyone ever deal with “University Account Services”? Few years ago I went to one of those for profit colleges and since I couldn’t find a job with the fake degree I got from them I ended up defaulting on my student loan. I was able to make payment two years ago and finally rehabilitated my loan. I still receive a bill from University accounting claiming I owe $2000 to that “College”. I strongly believe that I was the victim of a scam, and that the advisors in those for-profit colleges are trained scammers who would accept anybody as long as he can sign his name on a contract. I learned that University Account Services is a bill collector often used by colleges to collect on a debt. The last payment I made on that bill was five years ago, which means the statute of limitation has already expired. Enrolling in that “college” was the worst mistake I have ever made and I certainly don’t want to pay them a dime if I legally don’t have to. Could someone tell how to proceed in order to make sure whether it was a written contract (SOL 5 years) or a promissory contract (SOL 6 years)? Is there a way out of this? Once I know for sure is it possible for me to send a “cease and desist letter” never to be annoyed by them again? Thank you for your advises
  4. mallaparte

    Never paid my student loans- got an email from a CA

    Did anyone ever deal with “University Account Services”? Few years ago I went to one of those for profit colleges and since I couldn’t find a job with the fake degree I got from them I ended up defaulting on my student loan. I was able to make payment two years ago and finally rehabilitated my loan. I still receive a bill from University accounting claiming I owe $2000 to that “College”. I strongly believe that I was the victim of a scam, and that the advisors in those for-profit colleges are trained scammers who would accept anybody as long as he can sign his name on a contract. I learned that University Account Services is a bill collector often used by colleges to collect on a debt. The last payment I made on that bill was five years ago, which means the statute of limitation has already expired. Enrolling in that “college” was the worst mistake I have ever made and I certainly don’t want to pay them a dime if I legally don’t have to. Could someone tell how to proceed in order to make sure whether it was a written contract (SOL 5 years) or a promissory contract (SOL 6 years)? Is there a way out of this? Once I know for sure is it possible for me to send a “cease and desist letter” never to be annoyed by them again? Thank you for your advises
  5. mallaparte

    Sallie Mae Rehabbed to Nelet, Both Reporting

    Did anyone ever deal with “University Account Services”? Few years ago I went to one of those for profit colleges and since I couldn’t find a job with the fake degree I got from them I ended up defaulting on my student loan. I was able to make payment two years ago and finally rehabilitated my loan. I still receive a bill from University accounting claiming I owe $2000 to that “College”. I strongly believe that I was the victim of a scam, and that the advisors in those for-profit colleges are trained scammers who would accept anybody as long as he can sign his name on a contract. I learned that University Account Services is a bill collector often used by colleges to collect on a debt. The last payment I made on that bill was five years ago, which means the statute of limitation has already expired. Enrolling in that “college” was the worst mistake I have ever made and I certainly don’t want to pay them a dime if I legally don’t have to. Could someone tell how to proceed in order to make sure whether it was a written contract (SOL 5 years) or a promissory contract (SOL 6 years)? Is there a way out of this? Once I know for sure is it possible for me to send a “cease and desist letter” never to be annoyed by them again? Thank you for your advises
  6. mallaparte

    All you wanted to know about LVNV

    I signed up with Lexington Law which is a firm specialized in credit repair. I have checked my records on all three credit agency and the law firm has already sent out on my behalf the necessary letters to ask for the validation of the disputed debt. Lexington has contacted the CRA but not the creditors. I have at least two LVNV among my creditors. Should I ask Lexington to contact my creditors as well and inform them that actions were taken to request the validation of their claim? Following these actions the CRA should make sure all collection activity on my account will cease and the information should be removed from all three reporting agencies until written verification has been provided to me? Is that right? How long does it take for the CRA to take such measure?
  7. mallaparte

    All you wanted to know about LVNV

    I signed up with Lexington Law which is a firm specialized in credit repair. I have checked my records on all three credit agency and the law firm has already sent out on my behalf the necessary letters to ask for the validation of the disputed debt. Lexington has contacted the CRA but not the creditors. I have at least two LVNV among my creditors. Should I ask Lexington to contact my creditors as well and inform them that actions were taken to request the validation of their claim? Following these actions the CRA should make sure all collection activity on my account will cease and the information should be removed from all three reporting agencies until written verification has been provided to me? Is that right? How long does it take for the CRA to take such measure?
  8. mallaparte

    How To Pay Your Debts

    I signed up with Lexington Law which is a firm specialized in credit repair. I have checked my records on all three credit agency and the law firm has already sent out on my behalf the necessary letters to ask for the validation of the disputed debt. Lexington has contacted the CRA but not the creditors. Should I ask them to contact my creditors as well and inform them that actions were taken to request the validation of their claim? Following these actions the CRA should make sure all collection activity on my account will cease and the information should be removed from all three reporting agencies until written verification has been provided to me? Is that right? How long does it take for the CRA to take such measure?Am I right? I anyone can help. Please do.
  9. mallaparte

    All you want to know about LVNV

    I signed up with Lexington Law which is a firm specialized in credit repair. I have checked my records on all three credit agency and the law firm has already sent out on my behalf the necessary letters to ask for the validation of the disputed debt. Lexington has contacted the CRA but not the creditors. Should I ask them to contact my creditors as well and inform them that actions were taken to request the validation of their claim? Following these actions the CRA should make sure all collection activity on my account will cease and the information should be removed from all three reporting agencies until written verification has been provided to me? Is that right? How long does it take for the CRA to take such measure? Am I right? I anyone can help. Please do.

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