Pay for delete letter: A sample to remove negative items

Joined: 17 Apr 2007 Posts: 601 11 Magic Points

You would need to have the judgment vacated. Contact an attorney, or the court clerk to find out how (if) this can be done.

Joined: 03 Nov 2007 Posts: 3996 1079 Magic Points

Wow firebird, I bet this was a big surprise, I agree with morningstar on this one, I would think that the local court where the judgement was filed could answer all your questions on the removal. Have you tried to contact the original creditor on this case? Do you know who was representing them, what firm? You may be able to contact them also and see what can be done. I wish you luck with this. Please keep us updated.

Joined: 26 Feb 2008 Posts: 4493 8662 Magic Points

I bet that probaly does happen alot. They are suppose to forward all mail but I know from recent moving it doesn't always happen. It does seem unfair. You think they would have sent out a few bills before sending it to the credit report. I know I am SWAMPED with med. bills. Sometimes I have to take turns paying one set one month and another the following. Usually the ones I didn't pay for the previous month will send me a letter saying it needs to be paid on in 30 days or they send it.

Joined: 03 Nov 2007 Posts: 3996 1079 Magic Points

You can only pay what you can pay fireyone, just keep doing it they way that you are and you will keep the wolves at bay any way. When do you expect to have results on your accident, maybe then you can pay them all at once and get rid of them. goodluck and hang in there.

Joined: 26 Feb 2008 Posts: 4493 8662 Magic Points

I wish I knew the answer to that magic question. I have never been so annoyed with anything in my life. I was planning on paying off those bills and the two credit cards that aquired such large balances. After I was hurt we had to use them ALOT. The girl who answers my phone calls at th atty office keeps sayong "after this round of shots' or "it hasn't been a year yet..we are right on schedule" I told her to tell that to my bill collectors and she just stays quiet and takes the convo. elsewhere. I had trigger point inj. last week and have a follow up in two weeks. Seeems to be working some. Even so I still have to have these possibly evry six months or so since there is no way to fix my arm to preaccident condition. I think they are also waiting on chiro records. Chiro moved and we are having problems getting my records even though he keeps saying hes on top of it. Go figure. My atty. actually sent me a letter telling me that I would have to try to get them since they were getting no where. I'm pating them for what? K this is off the thread topic but hey you asked and I needed to vent.

Joined: 03 Nov 2007 Posts: 3996 1079 Magic Points

well, once you get your money you can pay them off and be done with it, I don't think it is fair in the mean time that you get all the fees that go on the card for being late.

Joined: 26 Feb 2008 Posts: 4493 8662 Magic Points

I totally agree. I think once the debt is sold from the OC the price should freeze. I mean by the time they sell it the amount owed has already doubled from over the limit and late charges. Maybe they keep adding them so when they offer you a settlement that is still twice the amount of the original card..then you think your getting a deal.

Joined: 03 Nov 2007 Posts: 3996 1079 Magic Points

It is a bunch of crap how it ends up building and building, I don't think it should be legal. The OP never gets the money once it reaches this point anyway, usually by this point it is sold off at a fraction of the price and the zombie debt buyer makes the bucks on it if they collect it, which is usually not the case.

Joined: 26 Feb 2008 Posts: 4493 8662 Magic Points

There sure is enough junk debt buyers out there. When I visited a site on it recently I coul not believe how many there is. My eyes got tired of looking at the list.

Joined: 03 Nov 2007 Posts: 3996 1079 Magic Points

There is a growing market for it, then they open up a call center and train collectors on how to collect, unfortunately they only give them enough training to violate the law or just on the brink of violating it. I think a lot of them work on a commission or get a bonus for collecting also which gives them more incentive to be jerks.

Joined: 26 Feb 2008 Posts: 4493 8662 Magic Points

Very true goodnatured. This was done in an area near me a while back. My tanning bed lady opened a call business and attempted to collect old debts. I remember her asking me if I wanted a job and I inquired about it. She told me it is really easy. I guess if you find being a jerk really easy then it would be. Not for me. She didn't stay open very long. Wish this would happen to all of them.

Joined: 13 Aug 2007 Posts: 1498 107 Magic Points

Ok....I read the VERY FIRST post, that was written here. Maybe I misunderstood it..I don't know. BUT......here it goes. As I was reading it, the post stated the ACCOUNT NUMBER was NOT recognized, with the amount of $50.00 owed. However.....it stated about making some form of arrangements to pay it off. Here's my question, about THIS situation.......................if you DON'T recognize the account and you DON'T recognize the CA who is trying to collect on this, why would you 'negotiate' ANYTHING, if you are not even sure if THIS debt is yours?

Joined: 03 Nov 2007 Posts: 3996 1079 Magic Points

This is a case where debt validation certainly come in to play, if you don't believe the debt is yours then don't pay it. So, certainly get the debt validated.

Joined: 13 Aug 2007 Posts: 1498 107 Magic Points

Sometimes I have CA's calling me, even AFTER the 'accounts' have expired. USUALLY, when I ask for some kind of paperwork, to PROVE the account is still 'outstanding', they tell me they "are not obligated to send me anything." Gee......I wonder why!?LOL

Joined: 03 Nov 2007 Posts: 3996 1079 Magic Points

I do believe they are obligated to send you what you request, they want paid right? Why would you send money and have no proof of owing it, thats just crazy for them to expect that.

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