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Mary
Joined: 06 Jul 2006
Mary's page
Posts: 730
17413 Magic Points
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Sat Feb 14, 2009 12:57 pm
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| Summons are to be answered within the time mentioned on the summon itself and there is no provision to ask for more time to answer a summon. If you do not get time to visit the court and file an answer, you can appoint an attorney who will file it on your behalf. If you do not file the response the creditor can bring default judgment against you. |
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tonijo
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Subject: sample letter
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Wed Mar 04, 2009 4:52 pm
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| I sent the dispute letter and they replied that they do not have records of my account, and requested a credit report. What kind of letter should I send with it? |
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cat123
Joined: 04 Mar 2009
cat123's page
Posts: 2
19 Magic Points
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Wed Mar 04, 2009 6:03 pm
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| good info here.. thanks |
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Thu Mar 05, 2009 7:10 am
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Hi tonijo
If you have disputed the debt with the creditor and they cannot find records of your account, you can send a copy of the credit report and ask them to remove their name from your report if they cannot validate the debt. If they do not remove the listing from your report, send dispute letters to the bureaus along with a copy of the letter you have received from the creditor telling them to remove the listing from your report because you do not agree with the debt. |
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kara
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Subject: validation letter response
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Tue Mar 10, 2009 12:23 am
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| I sent a vd letter to a company and they have responded back.They sent 5 old statements from chase showing the the info.On thier cover letter they show interest calculated from last payment @24%. I asked them to show that they can collect in my state and they noted in the cover letter for me to look it up. I also requested SOL in my state and that I agreed to pay this amount. They did not provide this to me. I'am very worried that they will file suit. They did not provide what I asked them too.Or did they and I just don't understand? |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1308
28489 Magic Points
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Tue Mar 10, 2009 5:25 am
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Hi Kara
Can you tell me the State where you have signed the agreement and the date of your last payment towards the debt so that I can tell you whether the Statute of Limitation on the debt has expired or not?
The Collection agency is not liable to tell you whether the SOL has expired or not as a reply to your debt validation request. Moreover, just sending the outstanding bills is not a proper debt validation. The Collection Agency must send you the proof the they have purchased the debt from the OC and a copy of the original signed contract between you and the original creditor.
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Keep in touch
Carol |
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Kara
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Subject: Validation letter response
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Tue Mar 10, 2009 1:31 pm
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| The state that I live is California. The last day that I made a payment on one off the chase statements was 06'. I can't be sure though. The statements that they send me are not consistant. So what they sent to me was not correct? They did not sent anything showing that they purshased the acct or my original signed contract. But I also did not ask for that! Is that just a standard thing that they have to provide. Thank you for your help. And also, The collection agency is in seattle. |
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Bakemon
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Subject: Info on intent to sue letter from Mann Bracken
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Wed Mar 11, 2009 12:38 am
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THANK YOU>>>> ALL OF YOU FOR THE INFO....I WILL LET YOU KNOW MY OUTCOME ALSO  |
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GAfootballmom
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Subject: Mortgage Debt Validation
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Wed Mar 11, 2009 5:32 pm
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| My mortgage has been sold more than 2 times since I bought my house in 2004. My current servicing company sent me a demand letter. I responded within the 30 days via facsimile and certified mail asking for validation of the debt and disputing the amount owed. That was on January 15, 2009. They never responded to my request nor did they call me -- until today. Now all of a sudden, they want me to enter into a forbearance agreement |
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GAfootballmom
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Subject: mortgage debt validation
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Wed Mar 11, 2009 5:34 pm
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sorry-- I hit the wrong button...
The rep that called me needs me to enter into a forbearance agreement TODAY. However, when I asked why I never received validation of the loan, she sighed and then said "i thought they sent something out to you" and totally changed the subject.
My question is this -- if they didn't respond within the 30 days, is there something I can do? |
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Justin
Joined: 17 Jul 2006
Justin's page
Posts: 1093
25288 Magic Points
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Thu Mar 12, 2009 8:59 am
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If your current owner of the debt does not validate the debt within 30 days of receipt of your debt validation letter, you are not responsible to them for the debt. You can come to a forbearance agreement only if you are sure that you owe the debt to the creditor. Forbearance agreement is an agreement between the creditor and the lender where the creditor agrees not to exercise any legal right if the borrower makes his/ her account current within a certain period of time.
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All the Best 
Justin |
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gunawathy
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Subject: house rental is pending for 6 months
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Fri Mar 13, 2009 4:42 am
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| how to type lette to the tenent |
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jenn
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Subject: Answering the Summons
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Mon Mar 16, 2009 5:40 pm
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| ok, so I was served a summons by a collector. My original debt is obviously not through them. I know I have to respond, but the paperwork I picked up at the Courthouse is confusing. I can deny the claim, but what do I do then? I have have 3 more days to respond to the summons. This is literally bringing me to my knees. I thought I am suppose to answer their accusations as well. So how can a I deny the debt and answer the accusations? |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1308
28489 Magic Points
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Tue Mar 17, 2009 5:52 am
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As far as I know, you need to either agree or disagree to the debt for which the creditor has sued your to the court. These is also an option on the response sheet where you can give reasons as to why you disagree to the debt. After filing the response, you will get a court date where you will get the scope to defend yourself. Just file the response within 30 days else the creditor can bring a default judgment against you.
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Keep in touch
Carol |
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kara
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Subject: Help:)
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Sat Mar 21, 2009 3:14 am
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Hi Carol,
I just wanted to touch base with you and see if you can help me. What step do I take next? Do I send another letter asking for the purchase agreement and the contract between my and the original creditor? Thank you so much for your help.
Kara |
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