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goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



522 Magic Points

 
Posted on Sun Dec 16, 2007 11:38 am  

Please keep us updated here I would be interested in knowing how this all play out.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
nacirema



Joined: 14 Dec 2007
nacirema's page
Posts: 10



884 Magic Points

 
Posted on Mon Dec 17, 2007 1:11 am  

thanks so much for all of the help so far guys!! we're both feeling a lot more confident and not at all stressed now that we have a game plan for how to handle this situation!!! we really appreciate the help and welcome more advice!!

i will definitely keep this updated...just coming here and venting and getting advice...makes this situation so much more bearable. it's nice to know that there are people who are GOOD people in the same situations (not that i wish the situation on anyone lol!) who truly want to clear up their debts, just like myself and my husband...people who just got stuck in an unexpected situations and such....thanks a ton!! bring on more advice!!!
crackerjack



Joined: 03 Dec 2007
crackerjack's page
Posts: 144



32 Magic Points

 
Posted on Mon Dec 17, 2007 3:50 am  

Your are in good company, we all hope it works out for you and look forward to hearing a good outcome, we are here for you all no matter what the outcome. Just hang in there, as good says above one way or another there will be a result, good or bad, we are here, to celebrate or cry with you. LOL, not making light of the situation but it is good to have someone to share it with.
nacirema



Joined: 14 Dec 2007
nacirema's page
Posts: 10



884 Magic Points

 
Posted on Tue Dec 18, 2007 2:07 am  

Just to lighten the mood a bit - - I got home from a long day at work with a message from a woman from Redline credit. I looked them up on here first....so I'd know what to possibly expect. I have no other debt except a credit card I use for gas and pay off fully each month and student loans which are in deferment. I really had no idea why this place would call unless the Hanna lawfirm passed on our information.

I returned the call to the number left on my machine and was instructed to call another number. I thought I must have misdialed, hung up, and dialed again. I got the same message so I called the number I was told to call....only to have an adult phone sex line pick up!!!

After being thoroughly freaked out I looked up Redline's number online only to find out I am not in their system at all. I don't know how I ended up on their calling list.

But, I am grateful for the moment that really lightened the whole mood of this situation!! Thought I'd share!
Laura

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1327



36383 Magic Points

 
Posted on Wed Dec 19, 2007 5:48 am  

Hi Nacirema,

Welcome to the forums. these law firms are meant to chase people around for debt collection. The best way to go bout it would be to call up Bofa and try to negotiate with them. Your attempts seem to be brave. Do keep all the photocopies filed for legal use.
Tell them that you will be recording calls whenever they call. You can do it only if they agree to but you can always say, that might change their mode of approach towards you.

Keep us posted nacirema.
_________________
Regards,
Laura.
nacirema



Joined: 14 Dec 2007
nacirema's page
Posts: 10



884 Magic Points

 
Posted on Wed Dec 19, 2007 10:34 pm  

Thanks for the welcome Laura! I'm sending my letter to the Hanna lawfirm tomorrow morning - I'm asking/demanding correspondence only on paper, as well as a copy of all of the documents they have on me. From there, I will be able to see how far this has truly progressed, and move forward from there. I have spoken with my mother, who is a paralegal and she confirmed what I've been told here: that if I've kept up my end of the bargain, and they fell through on their end of the payment plan, then they are a BIG part of this problem. I am continuing to save each month for my monthly payments; If I'm ever really served over this matter I will be able to pay this debt immediately -

I am considering asking this lawfirm to cancel the payment plan we worked out as THEY broke our agreement - is this advisable? Should I suggest rather that I will send them a money order each month; I don't want them in my account anymore, I just don't trust them. Also, is there a way to tell my bank not to authorize any debits from this company if I do follow this course of action?

Thanks in advance guys!! I'm feeling so much better!!
Laura

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1327



36383 Magic Points

 
Posted on Thu Dec 20, 2007 5:45 am  

HI Nacirema

No problemo Smile.
Yes I think right now if you dont want to can ask your bank to stop all unauthorized debits from your account. You can cancel the payment plan now and if you are served it will be better for you. Try to negotiate giving your part and the way you want to pay back. If they dont agree you can go the legal way.
_________________
Regards,
Laura.
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



522 Magic Points

 
Posted on Fri Dec 21, 2007 2:23 am  

You are taking the right steps, you sound so much more confident than you did before, at least that is the way that I am taking your posts, I am glad that you are standing your ground now and not letting these jerks bully you around. Doesn't it feel better to breath now that you know what you know. I was so stressed out, I am still not done with all of mine, keep saying in two more months, months come and go and I say two more months, LOL. oh well, someday!

Really glad to hear that you are feeling better about this, and stay off the adult line, I hear they are very expensive!!!!! LOL.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
nacirema



Joined: 14 Dec 2007
nacirema's page
Posts: 10



884 Magic Points

 
Posted on Fri Dec 21, 2007 3:35 pm  

An update-

I was feeling a lot more upbeat and positive about this situation until yesterday afternoon. I called the lawfirm and requested to speak with anyone other than the man who hung up on my husband. I just find that to be VERY rude. I got some young guy who proceeded to lecture me on my poor judgement and being an irresponsible college kid who spent all my money on partying - nothing could be further from the truth. I have been married and paying bills and caring for my family for almost three years. We have this debt due to an emergency situation, and several jsut really crappy situations one right after another. I wanted to say "You're an ass"

Rather, I just told the man I was simlpy calling to have a note put on my file that I only wanted to correspond in paper and request a copy of my file; I told him I also had this request in the mail but I wanted the note put on my file then. I was then told that they would continue to contact me only by phone until they received the letter, then I would be served as soon as they got the letter saying I only wanted paper correspondence. They refused to send me any of my file or paperwork. The man told me that I better call Mommy and Daddy to get me out of this. At that point I lost my cool. I put myself through college - my parents work very hard but they dont' make a lot of money. They don't even have an extra $100...I would never impose this debt on them.

At that moment, my husband saw me starting to lose it and took the phone, and requested we not be contacted by phone again. Of course, this "lawyer" refused and began to lecture my husband about running from our debt...and my husband hung up. I was embarassed he did that because I really do think it is so rude but grateful we didn't let them see we were upset on the phone.

After a little crying and feeling bad for us...I remembered that I am a good person, trying to do right, and...my mother has a lot of legal experience as she is a paralegal. She can't give me money but she can give me advice! I was embarassed but I told her everything I've explained here on the forum...and she was so sweet...agreeing that we will be FINE. Even more than that, she gave me the name of an attorney she used to work for who can help us out.

SO, next week we have an appointment with an attorney, and I'm again feeling much more upbeat. We just refuse to let some bottom of the barrel barely an adult (even though I'm barely an adult hahah!) jerk ruin our holiday.

Thanks for everyone's support. I really do love coming here, reading stories, getting advice, etc. This is a wonderful resource...I'm hooked!! Thanks to all...any help after reading this update is welcome!!

Happy Holidays to all!
crackerjack



Joined: 03 Dec 2007
crackerjack's page
Posts: 144



32 Magic Points

 
Posted on Fri Dec 21, 2007 8:48 pm  

I am glad that you had a happy ending there at least for the time being, they can be such jerks and how the heck do they know if you even have parents, they could be talking to some one whose parents were killed at a young age or some other tragedy, these jerks just open their mouths and stupid falls right out of it.

Don't let them ruin your holiday, have a good one despite these ignort jerks. Let the attorney deal with them if they want to play hard ball, when they call, just tell them that your attorney will be in touch.
carol

carol

Joined: 27 Jun 2006
carol's page
Posts: 1299
Location: Los Angeles, California


30064 Magic Points

 
Posted on Sat Dec 22, 2007 7:40 am  

Hey Nacirema,

Its so good that you are giving us such detailed updates. Dont be afraid of anything. Sometimes tit for tat is required. So one rude behaviour is ok Smile. Now come on cheer up.
_________________
Keep in touch
Carol
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



522 Magic Points

 
Posted on Sat Dec 22, 2007 10:51 am  

It can be so hard "not" to get upset, especially when they are treating you like a criminal, I have been there and there were times I wish I had that person sitting in front of me. I wonder if they could be so cruel and mean face to face? I don't think it is naturally in human nature, I think this is all part of their job and it really pee-d me off a few times. I would like to make eye contact so that they see that their crap is not really getting to me the way the want it to. I don't know how they reason it in there head that being unusually cruel to some one will get the job done, it is not good business in any job.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa
crackerjack



Joined: 03 Dec 2007
crackerjack's page
Posts: 144



32 Magic Points

 
Posted on Sun Dec 23, 2007 2:10 am  

good, any news on your arbitration yet? you have not posted on it for awhile and was curious about what is going on? Have you got all your stuff organized and ready to go? Please come on and post us an update on this, I think it would do good on this thread since it all started the same way. thanks
nacirema



Joined: 14 Dec 2007
nacirema's page
Posts: 10



884 Magic Points

 
Posted on Sun Dec 23, 2007 3:37 am  

well, since my dec. 20 posting not much has happened. we have an appt. with an attorney next thursday, we are getting all of our paperwork together and reviewing our budget to make sure it has all of our expenses and today we faxed a letter requestin we are no longer contacted by phone; we are also sending a certified letter with this request.

until this coming thursday we'll be relaxing, continuing research about this...and talking about this forum. we've gotten so much more calm about this issue. we hate that other people have gone through this situation but we love that we can get some comfort and some answers here.

thanks everyone - i'll be sure to keep things updated....and be sure to read my dec 20th post if you haven't read it yet...all about how those people are just jerks!!

happy holidays!!
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3931



522 Magic Points

 
Posted on Sun Dec 23, 2007 6:43 pm  

It is good that you are getting the help of an attorney, this will keep them on the straight and arrow, are you going to have the attorney resume all contact with them, are you just getting advise from the attorney or are you hiring him/her on to handle the situation? goodluck, appreciate the update.

Crackerjack, no updates yet, still doing my research on what shows ownership of the debt, those words that the attorney spoke to me keep haunting me, he said "not only do they have to prove you owe the debt, but they have to show that you owe it to them" I never signed a contract with them and I am thinking that he was leading me in a direction for some reason, he said that they will not let me get railroaded, I am hoping this is true, we shall see. I will update as I hear things, no date yet.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
http://www.crazymonkeygold.com/members/register.php?ref=fedupinpa

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