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They do come in handy, they save a lot of research time

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Mary

Mary

Joined: 06 Jul 2006
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Posts: 684



17424 Magic Points

 
Posted on Tue May 27, 2008 7:15 am  

yes goodnatured, there forums help us a lot with these letters, at least they give us the hint on how to write these letters, whom to sent and so on.
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fireyone



Joined: 26 Feb 2008
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Posts: 4246



123 Magic Points

 
Posted on Mon Jul 28, 2008 3:04 pm  

I know myself I would be lost with out all the sample letters.
goodnatured



Joined: 03 Nov 2007
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449 Magic Points

 
Posted on Sun Aug 10, 2008 5:35 am  

They do come in handy, they save a lot of research time.
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Goodnatured,
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for all the ways I make $$ online
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Andrew



Joined: 15 Jun 2009
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Posts: 6



247 Magic Points

 
Posted on Tue Jun 23, 2009 8:03 am  

The letter by Richard is a fantastic resource. I filed a law suit against the credit bureau a few days back and took help of this letter. Fantastic job.
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



449 Magic Points

 
Posted on Mon Oct 26, 2009 7:14 pm  

That is good, great to see people using these resources that have benen put out there.
fireyone



Joined: 26 Feb 2008
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123 Magic Points

 
Posted on Mon Oct 26, 2009 10:41 pm  

Alot of go seeking the resources. Funny I never knew much about these resources until a few years ago when I needed them and came here. I thank this site for helping me understand so much when it comes to credit. I imagine it even stopped a few people from making mistakes when contacted by debt collectors. I see people who have come here a little too late after a junk debt collector scares them into making a payment on an account past the SOL.
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



449 Magic Points

 
Posted on Wed Jan 06, 2010 6:30 pm  

I know what you mean fireyone, I found the site through the same process, I had some issues with a collector that was a total jerk, I got mad and went on an internet search, ended up on the debt forum and learn alot for fighting for myself. Since then I don't let them bother me as much. I usually contact the attorney generals office as soon as the harrassment starts and move on.

I have gotten rid of alot of debt since coming here, I am thankful to have found this and the debt forum.
zackrat



Joined: 06 Jan 2010
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Posts: 7



9 Magic Points

 
Posted on Thu Jan 07, 2010 12:44 am  

I am reading through some of the posts, there is many different things discussed here, what a find. I am hoping that I will get to the bottom of a few things with all your help. I have some experience with creditors not a whole lot of bad, just here lately, but I look forward reading more here. How long have all of you been here? I am trying to prevent more damage with my creditor, just running a little late on one bill, but this seems like a freindly place to discuss debts and get some good advice.
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



449 Magic Points

 
Posted on Thu Jan 07, 2010 3:40 am  

We welcome you zack, I am sure that you have some experience to share. Look forward to having discussions with you too.
Wasco_Kid



Joined: 11 Feb 2010
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Posts: 32



2601 Magic Points

Subject: Intent to sue
 
Posted on Thu Feb 11, 2010 4:02 pm  

Personally, I would not submit a letter of intent to sue the CA unless I actually did file the documents and have the afidavits and documents to back up the claim. What happens when you submit this letter and the CA does nothing.....waiting for the process server? If you use this method and have not actually filed the lawsuit....you will lose all creditibility. It is likely that they will just wait until they get served.
If they do reply to your bogus letter of intent to sue.....you got lucky this time. Has anybody used this tactic on a collection agency like Midland or Arrow...when the account they report is valid? I mean, the accounts they are trying to collect on are legitimate. But they do not seem interested in pursuing them. No phone calls, no letters, no threats. Just continue to report the negative tradelines.

Any advice?
Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2632



48565 Magic Points

Subject: reply
 
Posted on Fri Feb 12, 2010 6:43 am  

Hi Wasco,

If you think that you owe the debt, then you should contact the creditor and pay off the dues, if you really have the ability to do so. If you owe a debt, it is your duty to pay that off. However check the statute of limitation (SOL) in your state. If the SOL has expired the collection agency (CA) won't be able to sue you. However if it has not, you better contact the collection agency. Without paying off the dues, the negative tradelines aren't going to get removed.
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Wasco_Kid



Joined: 11 Feb 2010
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2601 Magic Points

Subject: Intent of Filing Lawsuit
 
Posted on Fri Feb 12, 2010 7:02 am  

Hi Aaron,

The SOL in California is past. Most of the tradelines from Arrow and Midland are schedule to drop off between April 2010 and and August 2011; according to a person I spoke to at Transunion. That is, of course, if they don't re-age the debt. I think Arrow financial renewed and/refinanced 2 tradelines because they appear to say renwed/refinanced under last activity.
If the CRA allowed this then it is illegal under the FCRA.
This action might be me the edge to pursue a lawsuit against Arrow and the CRA. Right now the Attorney General for the State of Illinois (Lisa Madigan) has a lawsuit against Arrow Financial for some 600 consumer rights violations. I should submit my complaint to their office and try riding the coattails of their lawsuit.

True it is my duty to pay the obligation, but after almost 6-7 years there is no way I will own up to them now...especially since the SOL have expired. I would love to be able to remove the negatives myself; but it may be just better to left them start dropping off on their own.

Either way.....It is $75,000 I don't have and will never be able to pay. Yes, I am a smuk....but I get the final laugh against an industry that has screwed consumers over for years.
Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2632



48565 Magic Points

Subject: reply
 
Posted on Fri Feb 12, 2010 10:32 am  

Hi Wasco,

I agree with you that re aging an account is not legal. It is a violation of FCRA rule. So you can talk about this to the credit bureaus, and request them to remove the item from your credit report.

As for the SOL, it is different for the debt and the number of years it is going to stay on your credit report. What you said is right. SOL for any kind of written contract in California is 4 years. However a delinquent account will fall off your credit report after 7 years.
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goodnatured



Joined: 03 Nov 2007
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449 Magic Points

 
Posted on Mon Feb 15, 2010 12:20 am  

We had a letter come from Midland on a debt that was over 20 years old on a repo that was long before I met my husband, they tried to use the old pay or get sued on us, but thanks to this site I have the statute of limitations for our state done and read them the rules of collection according to it. They have not bothered us since.
Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2632



48565 Magic Points

Subject: reply
 
Posted on Mon Feb 15, 2010 11:48 am  

Hi goodnatured,

It's nice to hear that you were able to come out of your problem successfully. Smile
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