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breeze

Newbies - for more than 60 days

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Respectfully request member status. THANK YOU!!

 

 

This is for people who have been members longer than 60 days, but who do not post much. :)

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Respectfully request member status. THANK YOU!!

 

 

This is for people who have been members longer than 60 days, but who do not post much. :)

 

 

60 days is such a long time... I'll be deployed to Japan by then! :( lol its ok I'll just keep readin/studyin. :) thanks!!

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I guess I am a bit of a noob even though I signed up a few years ago. I did about an hour and a half of reading here and was armed with enough information to defend myself against Wells Fargo. I won my case and didnt have to pay them the 7k they were suing me for. They tried to reopen the claim and again I used all my credit boards knowledge and crushed them to a dust. Judge threw it out :-)

 

Now I am in a new situation and not sure where to find the info I need. I had a business and owe a former vendor some money and have a collection agency breathing down my neck. I sent the cease and desist letters that have worked in the past but this guy just called me about a month after receiving that letter and says that after he stopped laughing they were coming after me and that I am not incorporated so I am personally responsible etc. I didnt really listen I just said send me proof and he got ugly so I hung up. I did however catch him say that this was a completely different matter when commercial and my cease and desist is a joke.

 

If you've been a member more than 60 days, and do not yet have member status, post in this thread. I'll fix it. Be patient, I'm expecting a crowd in here!! Line forms to the left...

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I fixed your account for you. What he's referring to is that business account collections are not subject to the FDCPA. The usual letters, rules about phone calls, etc do not apply. If you were a sole proprietor, then yes, he will come after you personally. If you had formed any kind of business entity, then he has to pursue the entity except for debts where you personally guaranteed them.

 

He sounds like a total jerk.

 

You need to start your own thread in the business or credit forum. You won't get a lot of attention here. I'm probably the only person who checks this thread for comments. ;)

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That helps!! Where do I find the business forum?

 

I fixed your account for you. What he's referring to is that business account collections are not subject to the FDCPA. The usual letters, rules about phone calls, etc do not apply. If you were a sole proprietor, then yes, he will come after you personally. If you had formed any kind of business entity, then he has to pursue the entity except for debts where you personally guaranteed them.

 

He sounds like a total jerk.

 

You need to start your own thread in the business or credit forum. You won't get a lot of attention here. I'm probably the only person who checks this thread for comments. ;)

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Cant wait until I can be a member! Gotta do the time though, *pouting*. I'll be back when i have the required experience!!

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do I need to be a special type of member to be able to upload files? I have a Menards commercial credit application I was trying to upload, but I can't seem to find where/how to upload it?

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When you start a new topic there is a button at the bottom of the box that says "attach files" click it.

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When you start a new topic there is a button at the bottom of the box that says "attach files" click it.

thanks, didn't realize i needed to create a new topic to be able to attach a file.

 

Thanks

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Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
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