November 29th, 2011 
admin Reply:NCO apparently does scrub againest the list. After I moved to a new state they started hitting me with a few dozen letters and regular calls right up until I filed suit against another JDB who must remain nameless in my current state. Then silence! I know the list is broke down by state for them as one monthly update list is available online.
Interesting thing is this alleged debt falls outside the FDCPA since it is business related and my only recourse is the OCs breach of
November 28th, 2011 admin Reply:For notification of the arbritration proceedings I was mailed a letter from NAF I believe. It was mailed to me via regular mail. A letter was then mailed to me some months later, through regular mail, showing the amount of the award.
I believe that just through regular mail wouldn't stand up for anything! They have no proof you were served with the arbitration. Mine was "served" on me through Federal Express, signature required. I didn't dispute it in
November 26th, 2011 admin I am in Kentucky and be sued by Welter et al for Cap One. The debt is $ 925 plus interest and last but the sum was just over $ 1100 I do not work. The only thing is my name in my house, and that is with my husband. If this lawsuit goes through, and that a verdict against me, they can confiscate my husband's bank account if it is only in his name and the debt does not have his name on it anywhere?
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rnIch read somewhere that the creditors can not be a lien on your house as it is e
November 25th, 2011 admin In 2006 I got a mortgage with a mortgage company got abc.I default on the loan, but then I came with money and there are late payment satisfied, including legal fees. Then for a few months I have all my mortgage payments on time and was current.Mortgage abc company sent me a letter that we have sold these credit mortgage company xyz xyz now you need him to be paid, some payments to this company and the company has bankruptcy, they were sending the file bankruptcy.Things xyz.I financially very ba
November 24th, 2011 admin Thanks for all the answers – I know it may threads here that will relate to my questions, and while I have read through some, I find myself more confused. For the first time sued, and it's a bit overwhelming.
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rnBitte you share my first steps towards this summons (complaint) 0.
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rnIch live in California and received a subpoena two weeks ago. There is no court date, but it means I have 30 days to respond. The charge is dated 3 September 2008 and I received it – we mov
November 23rd, 2011 admin Reply:Actually, I AM living vicariously through you… as far as suing JDBs. In my defense, I'm currently suing two of my OC's under DTPA and TFC.
By next week I should have more time to spend on this and will start going after CAs and JDBs so they better watch out!!!!
However, I'm still suing Asset as of the 60 day notice for the DTPA, so you can live vicariously through me as I update that other thread. 
November 22nd, 2011 admin This tells of IL specificity including “effective date” and “consideration” must contain 0.
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rnhttp: / / caselaw.lp.findlaw.com / scripts / getcase.pl court ilu0026vol = = = 4980070u0026invol 1
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rn § 8b (a) of the? Law states that an account can be
rnzugeordnet to a collection agency, provided that: “The document mani-
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rnDatum of effect of the assignment, and (ii) the consideration
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November 20th, 2011 admin : Oops: What do you do when you do not respond to a CA within 30 days? It was more than 30 days since the Registry / CA sent me a letter.
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rnIch a CA has to submit to a law firm, MD, is the original claim in 2004. Initial debt is MBNA/CITI
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rnWenn I have a DVL they can sue me?
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rnBitte let me know.
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rnNeeding debt. Confused:Reply:Its not too late. As Moriah said, they can sue you regardless and they may be planning on suing. Send them you
November 19th, 2011 admin Reply:If your first paragraph was correct and it has been 12 years since the DOFD, it should have been deleted 5 years ago. Am I missing something?
They don't list a DOFD, my report says it's scheduled to be removed Oct. 2009. So I am guessing somewhere they are using Oct. 2002? However, I haven't had any credit cards or paid on any credit cards since 1999. So my guess is, it's been reaged.
I requested/disputed with the info provider and asked for
November 18th, 2011 admin I have read in another thread, when to answer a complaint with the answer “neither admit nor deny” essentially close a ticket. This is how I planned to answer: “Defendant neither admits nor denies be without sufficient information on to a belief as to the truth or falsity of the form and leaves plaintiff to his proof.” Should I not say then?Reply:————————————————-
1. Admission, Specific Denial, and General Denial
A responsive pleading must
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