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scott
Joined: 28 Jun 2006
scott's page
Posts: 462
10934 Magic Points
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Thu May 15, 2008 10:32 am
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Yes, I think goodnatured is correct. You can settle for a payment plan that suits you, to pay back your debts.
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SCOTT
Use your credit account responsibly and enjoy a debt free life. |
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Jon Leitner
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Subject: Freddy & the Boys
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Mon Aug 11, 2008 5:25 pm
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Hey all... didn't do my research, and signed a consent form in 2006 From Fred onan old debt. Now I just got a notice that they have filed a garnishment. I live in GA. I looked, and it appears that I need to file an "answer" and the document that was sent mentions a "traverse." What are the differences, and what are my options?
thanks! |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1222 Magic Points
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Tue Aug 12, 2008 3:30 am
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I have no clue what "traverse" is, What ever it is I would make sure that I filed an answer on it so they don't win by default.
Hang out, somebody will be a long to answer your post more thoroughly.
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Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Tue Aug 12, 2008 12:29 pm
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| To traverse means to move forward (loved english) In the english language so I am thinking it means to move forward on the debt. Gn is correct be sure to answer that summons,which I believe has a 20 day time limit,or they will win by default. |
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MAD
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Subject: STOLEN MONEY
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Fri Sep 05, 2008 6:17 pm
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| FREDERICK J HANNA AND ASSOCIATES HAVE BEEN TAKING MONEY OUT OF MY ACCOUNT AND I DID NOT TELL THEM THAT THEY COULD TAKE OUT THE AMOUNT THAT THEY ARE TAKING. THESE PEOPLE ARE LIERS AND THIEVS. CAN ANYBODY HELP ME WITH THIS. WHAT CAN I DO TO STOP THEM FROM DRAFTING MY ACCOUNT AND CAUSING MY ACCOUNT TO BE OVERDRAFTED |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1222 Magic Points
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Sat Sep 06, 2008 1:03 am
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If I were you I would close the account and then open another one some where else. Make sure that your bank is aware of why you are closing the account, if you don't a closed account can actually have activity for thirty days afterwards. So, a close account can be active behind the scenes for like 30 days.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Sat Sep 06, 2008 1:24 am
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| This is true. I would fear that they would still try to take money after the account is closed. Isn't there a way to get the bank to keep them from taking any more m,oney? I would still move my money to another account but sometimes when you have so much time at a bank and payments coming directly out for car ins. and such it can be a pain. |
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guest
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Subject: fred hannah and sol
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Wed Sep 17, 2008 12:08 am
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| i have recieved a letter from them, it is my understanding that the sol in idaho where i am is 4 years. when i called the orig. creditor chase they would not give me any info except that it was charged off as a bad debt in feb, and any other info i could get from hannah. when i asked hannah about obtaing more info about the account they said all the info they had was what they sent me which was a generic cover letter with my name, acct. number, and balance. i cant even remember when i last made a payment on the alleged acct. so when does the sol time start and how do i find that info? |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Thu Sep 18, 2008 1:06 am
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| The SOL begins as soon as you miss a payment. You should go to www.annualcreditreport.com and pull a free copy of your credit report. It will list this debt and also tell you when the last mised payment was. Look it up and stop back and let us know so that we may help you better. |
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anthony
Joined: 31 Jul 2006
anthony's page
Posts: 550
13573 Magic Points
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Fri Sep 19, 2008 5:56 am
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Hi guest
If it is a credit card debt, then the Statute of Limitation will be 4 years, since credit card falls under open ended accounts. The SOL will start from the date of your first missed payment as Fireyone said. Now since the debt has already been charged off, and has been sold off to the collection agency, the listing cannot be removed from your credit report before the expiry of the seven year time period. To find out the name of the collection agency to whom the debt has been sold by the original creditor, you can pull out a credit report from each of the bureaus.
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Anthony Marx
A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible. |
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Justin
Joined: 17 Jul 2006
Justin's page
Posts: 1298
28935 Magic Points
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Fri Sep 19, 2008 6:21 am
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I think that you should pull out your credit report and send a debt validation letter to the collection agency Frederick J Hanna, if its name is listed in your report against the debt. Charge off listing does not necessarily mean that you are no longer liable for the debt. Even if the debt is charged off and the SOL in your state has not expired, the creditor or the collection agency can sue you to the court and bring judgment against you to recover the debt. So, you should try to pay back the debt by coming to a repayment agreement with the CA.
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All the Best 
Justin |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Sun Sep 21, 2008 12:59 am
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| True but they are protected by the SOL and if it did go to court they would win as long as they were past the SOL. |
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Mrs. J
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Subject: What am i gonna do?!?!
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Wed Oct 22, 2008 7:12 pm
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| i was in a abusive relationship with my childrens father well he wants me to get a car in my name...Now I knew it was not the thing to do but if i had of not of got it for him things would have blown into him endangering my life and putting my 3 kids through more hell than they were going through already so I do it..3 months later we break up & he has been serving time in prison for simple battery & cruelty to children.I was unable to make the payments & take care of 3 kids & pay bills-matter of fact I can barely make it.I turned the car in & it was auctioned off..Fredrick J. Hannah has recently sent me a letter & I now owe $8323 & now are wanting to resolve the matter--BUT IM FREAKING OUT I DONT KNOW WHAT IM GOING TO DO!! |
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Thu Oct 23, 2008 12:27 pm
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| Can you tell us your credit score? You should simply send Fredrick J. Hannah a debt validation letter by certified mail. If they validate your debt within 30 days, ask them for a repayment plan and also a discount on the outstanding debt amount. If you have a good credit score, you can take a debt consolidation loan to pay off the debt. |
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thuston
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Subject: just starting
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Wed Jan 07, 2009 7:59 pm
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| I am just beginning the dialoggue with Hannah and it is not pleasant by any means, they are threatening - they have never sent me a lteer just phone calls and I have tried not to answer the 800 numbers but believe me they work around it - I have been old my credit solutions to not speak with them but let them handle but the threats are so ugly I am thinking about getting a lawyer to deal with them but that is even more funds any suggestions. |
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