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deano16

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    texas
  1. I need help with an arbitration, received notice from a CA (IDT Carmel Inc.) saying i have 30 days to respond. I've been told I need to wait for the 2nd letter from the NAF and then respond to them with a refusal of arbitration letter. And not to respond to the CA because it will give them proof of debt (DV) if I respond to them? If I do send a letter of refusal, who do I send it to the CA or the NAF and how do I address the issue ? Also do I need to DV the CA now or wait ? Need lots of help here, new to dealing with this process and not much time left in the 30 days they said I have to respond. Any help with this matter is much appreciated !! Thanks ps. this is for a credit card default that has been resold.
  2. I need help with an arbitration, received notice from a CA (IDT Carmel Inc.) saying i have 30 days to respond. I've been told I need to wait for the 2nd letter from the NAF and then respond to them with a refusal of arbitration letter. And not to respond to the CA because it will give them proof of debt (DV) if I respond to them? If I do send a letter of refusal, who do I send it to the CA or the NAF and how do I address the issue ? Also do I need to DV the CA now or wait ? Need lots of help here, new to dealing with this process and not much time left in the 30 days they said I have to respond. Any help with this matter is much appreciated !! Thanks ps. this is for a credit card default that has been resold.
  3. I need help with an arbitration, received notice from a CA (IDT Carmel Inc.) saying i have 30 days to respond. I've been told I need to wait for the 2nd letter from the NAF and then respond to them with a refusal of arbitration letter. And not to respond to the CA because it will give them proof of debt (DV) if I respond to them? If I do send a letter of refusal, who do I send it to the CA or the NAF and how do I address the issue ? Also do I need to DV the CA now or wait ? Need lots of help here, new to dealing with this process and not much time left in the 30 days they said I have to respond. Any help with this matter is much appreciated !! Thanks ps. this is for a credit card default that has been resold.
  4. I've got my scores from Truecredit. Are those the real scores? I need to send some letters myself, but don't know where to begin. Any suggestions? I do have a wrong address with TransUnion.
  5. Hello. My husband and I stopped paying on several credit cards back in May 2005. We've had financial problems and decided to keep our cars(2) and house and let the other bills go unpaid. We just received a claim from IDT Carmel for Arbitration and it states that we have 30 days to give a written response. If we do so, aren't we confirming the debt and if so, should we ignore it and wait to hear from the NAF? I believe the SOL in Texas is 4 years so should we just wait it out? Also, after the SOL runs out, should we dispute with the CRA's? I would really appreciate any help I can get right now. Thanks so much !!!

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