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Justin
Joined: 17 Jul 2006
Justin's page
Posts: 1240
28942 Magic Points
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Thu Jan 08, 2009 10:17 am
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Hi Thruston
You need not worry if Hannah is not listed in your credit report against any particular debt. If they only call you up, they must send a debt validation notice before they can make any further attempt to collect the debt. If they did not sent you such notice, they cannot even sue you to the court. Even if they sue you to the court to bring judgment against you, just ask for debt validation in the court itself. If they can validate the debt properly and proof that they have the right to collect the debt, then you need to pay it off, else the judgment will go in your favor.
_________________
All the Best 
Justin |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4285
127 Magic Points
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Thu Jan 08, 2009 12:08 pm
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| This is an area that always makes me wonder about debt validation. Say you ask for debt validation and they do not supply it to you before the court date...can they present it at the time of the hearing and make the person liable for the debt? I was under the assumption they had 30 days and if they did not supply the debtor with proper proof the debtor could then present this fact in court and win against the debt collector. |
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NEVERTRUSTCOLLECTORS
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Subject: do not EVER EVER trust bill collecters--ESPECIALLY FRED HANN
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Sat May 09, 2009 10:35 pm
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Bill Collectors are LITERALLY allowed to LIE TO YOU (under the Law)--they can DO OR SAY ANYTHING they want to say....
the only exclusion to this rule is
1-They cannot threaten your life
and
2-They cannot call you at work.
what you should ALWAYS DO---is have them PUT IN WRITING BEFOREHAND..what you need to pay to settle the debt.
DO NOT SEND THEM A SINGLE PENNY UNTIL YOU HAVE THIS IN YOUR HANDS!!!!
THE LETTER SHOULD SAY THE SETTLEMENT AMOUNT AND THEY will cease collections and they will REMOVE IT FROM YOUR CREDIT REPORT.
THEN, WHEN YOU SEND THEM A CHECK, WRITE ON THE BACK OF THE CHECK
BY CASHING THIS CHECK, ALL CLAIMS HAVE BEEN MET AND NO FURTHER COLLECTION WILL TAKE PLACE.
(or something to that effect).
then go to the Office Depot and buy a fireproof safe and keep a copy of those docuuments THE REST OF YOUR LIFE.
SO THOSE SCUM BAGS cannot ding your credit again.
By the way, DO NOT EVER deal with 3rd party collectors. By the time it's gone to 3rd party---it's too late.
ONLY DEAL WITH THE ORIGINAL CREDITOR! |
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donotpayfredhannah
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Subject: FRED HANNAH DOES NOT EXIST--THERE IS NO FRED HANNAH!
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Sat May 09, 2009 11:07 pm
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GO LOOK UP THE STATE BAR IN GEORGIA.
GABAR(DOT)ORG
Do a member search. There is NO FRED HANNAH!!!
Bill Collectors are LITERALLY allowed to LIE TO YOU (under the Law)--they can DO OR SAY ANYTHING they want to say....
the only exclusion to this rule is
1-They cannot threaten your life
and
2-They cannot call you at work. |
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javagirl67
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Subject: not my debt
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Fri Jun 05, 2009 2:36 am
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| My Aunt has a debt that she owed to Chase. Somehow Fredrick J Hannah got hold of it and has been harrassing us. My aunt had been paying until she was placed in a nursing home. Now she is a ward of the state and all of her income is being used to pay for her care. She has no money. What can we do? |
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rachael
Joined: 11 May 2009
rachael's page
Posts: 234
6581 Magic Points
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Fri Jun 05, 2009 5:12 am
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Hi javagirl,
Your aunt is really going through a tough time. You can meet the creditors, on behalf of her, and explain the situation to them. You should also request them to lower the interest rates or extend the payment term. You must ask them if they have any hardship programs for this kind of situation.
When your aunt's health improves, she can think of selling off an asset, to pay down the debts. You can also take the help of a family member, who can provide your aunt with a loan. I would suggest, when your aunt is released from the nursing home, she can prepare a monthly budget. If she cuts down on her expenses, she will be able to save to pay off the debts.
_________________
Looking forward to a debt-free life. |
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Lisa
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Subject: My settlement
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Mon Aug 10, 2009 6:31 pm
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| I just settle my debt for 38% with 6 months to payment plan. I choose to pay in a lump sum. The service was very professional. I calmly stated my issues and office to pay 35%. They countered with 50%. I made it very clear that I could only afford to pay 35%. They countered with 38%. I accepted with gladness. |
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WORRIED
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Subject: FREDRICK J HANNA
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Fri Jan 15, 2010 4:07 pm
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| I KNOW I OWE THE BALANCE OF 857.02 TO CAPITAL ONE. I RECIEVED A LETTER FROM FREDRICK J HANNA. WILL THEY ALLOW ME TO SET UP A PAYMENT PLAN? I CAN AFFORD TO PAY 80 A MONTH. |
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BM
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Subject: Angry
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Thu Jan 21, 2010 2:42 pm
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| Last week I recieved a letter from Fredrick J. Hanna and Associates regarding a past due account with Bank of America. They offered me 80% settlement. I declined and said that it needs to be lower because I cannot pay. They put down that I was refusing to pay! I stated many times that I was not refusing to pay, just not accepting this offer. They are now demanding payment in full. They gave about 12 hours to come up with the money or they are going to send this account out to have a judgement placed on me. How do I find out my legal standing? |
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Nikjak
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Subject: Process
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Thu Mar 11, 2010 4:03 am
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They gave about 12 hours to come up with the money or they are going to send this account out to have a judgement placed on me. How do I find out my legal standing?
It's more involved. First, they have to validate. Then, you would deny or challenge, and request better validation. They, then, may send you a 'discovery' letter. Best to answer each and every question with a denial of some sort. Once that's done, then you can send them a "discovery" letter, requesting all of the information, documents, proofs, and witnesses they may have. Often, just intimating that you'll require a "live" witness at the court hearing is enough for them to become less interested.
If and when you should receive a summons, answer it, following the directions on the front page. Subsequently, there will be a court hearing date. Show up. At the hearing, make sure to address each and every assertion, and request verification of anything Hanna asserts. Most of the time, these people are counting on your intimidation and ignorance. Just a smidgeon of backbone goes a long way.
At first, the court experience may seem overwhelming, but it won't take long to realize these people put their pants on one leg at a time, and for the most part, are relying on smoke and mirrors. |
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ME
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Subject: Paying debt
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Tue May 11, 2010 7:01 pm
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| If I have three credit cards that have been closed two are not really a large amount one around 2500. They all have been turned over to collection. The 2500 I have requested a Validation Letter. My question is should I go through the collection agency or the original creditor. Also, is it possible to settle and ask them to completely remove everything from my credit report. I was never late with these cards until my husband became unemployeed a year and a half ago. |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Subject: paying debt
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Wed May 12, 2010 10:32 am
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Hi,
You can contact he original creditors (OC) and inquire into this. Request them to pull back the account from the collection agency(CA). If the account has not been sold off, the OC will pull back the account. Then you can deal with the OC. However, if the account has been sold off, then the OC will not be able to pull back the account.
As fro the removal of negative listings on these accounts, you can request the creditors or collection agencies to agree to a "Pay for delete" (PFD) agreement. With a PFD all the negatives on the accounts will get removed. You will get a sample PFD letter with this community.
Thanks,
Aaron
_________________
Keep in touch |
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fred96002001
Joined: 18 Jun 2010
fred96002001's page
Posts: 1
25 Magic Points
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Subject: what happens if Fredrick J. Hanna & Associates cant serv
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Fri Jun 18, 2010 5:08 am
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| what happens if Fredrick J. Hanna & Associates cant serve you. how do you avoid them? I have police knocking on my doors now. I fail to answer the door every time. I am fixing to leave the state. I cant pay $6,000 i only can pay $20 an month no job or income. uncle can send me bus ticket. no bank account no job nothing they can take. how do you avoid them they refuse any payment i send. i sent $200 and they sent it back. i just dont want to deal with them or court now. how do you avoid this and for how long can i avoid this? I am avoiding them at all cost i have other people go to and from the store for me. |
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Aaron
Joined: 08 Feb 2010
Aaron's page
Posts: 2675
48566 Magic Points
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Paula
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Subject: Garnishment
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Wed Jun 23, 2010 2:22 pm
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| I received a summons from the plaintiff Frederick J. Hannah for Capital One. I wrote a letter, as requested, and asked if they would remove the late fees which added up to about half of what the balance shows. I have heard nothing back from them. The court date is June 30th, what do you suggest I do to protect myself from garnishment? |
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