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    Debt Collectors: Re: Old Debt, New Contact

    If I were you, I'd spend $5 per month and have aol call alert, or what ever similar service you want, block these calls. They will eventually go away. Other dunning calls from other collectors will...
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    Debt Collectors: Re: Old Debt, New Contact

    That's one of the problems with credit cards. Once you establish a relationship with one of them, then all pertinent information can be shared with all involved with the debt, no matter where it...
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    Debt Collectors: Re: Verizion Collections Errors

    One of the things you need to do is dispute the inaccuracies. Read this:

    http://www.creditinfocenter.com/repair/DisputingWithOriginalCreditor.shtml
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    Debt Collectors: Re: Being Accused of Credit Card Fraud, Lost

    It's hard to predict what is happening but if the doctors have called and the cc companies have stopped calling then it would seem that the creditors realize the complications of a mentally impaired...
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    Debt Collectors: Re: Being Accused of Credit Card Fraud, Lost

    What, exactly, would you return? I thought you bought food?

    I have a feeling that if you contacted the cc company with a willingness to pay that they might actually respond with a bill. At this...
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    Debt Collectors: Re: What is Required for Validation

    The collector does not need to send a complete accounting of the debt but it must contact the creditor to make sure that it has the right amount asked for and it is dunning the right consumer. The...
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    Garnishment and Execution: Re: Stay of Garnishment

    The only reason I brought up the garnishment payments is because the collector may use these payments to toll the SOL. But, if the collector didn't even get them then I guess you did not bring the...
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    Collection Lawsuits: Re: Choice of State to File Lawsuit

    Any collector must sue where you live. It may not be the exact county you live in but it should be relatively close. For example, if you live a couple of miles from another county then the judge...
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    Debt Collectors: Re: Historical Records of Ancient Debt

    But, the original creditor submitted a year's worth of statements and an agreement which stated that use of the card is acceptance of the agreement. The OC also submitted an affidavit from a person...
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    Garnishment and Execution: Re: Stay of Garnishment

    It sounds like the case was vacated which means that the collector will have to refile. If the collector refiles then you can bring up counter claims to get your money back and for statutory fines...
  11. Debt Collectors: Re: Protecting One's Assets when Marrying Spouse with Potential Junk Debt

    Well, then, let me put it to you like this...I've never run into a JDB who has had enough evidence to prove the debt is legit if the debtor steadfastly denies the debt.

    The OC usually gives them a...
  12. Debt Collectors: Re: Protecting One's Assets when Marrying Spouse with Potential Junk Debt

    Even though the debt is decades old there are ways of tolling the debt. The most common one is making a payment and bringing the account up to date. The next time the consumer defaulted then the...
  13. Debt Collectors: Re: Protecting One's Assets when Marrying Spouse with Potential Junk Debt

    Maybe I'll learn something here because I could never see a debt incurred before a marriage ever being a debt incurred during a marriage.
  14. Debt Collectors: Re: Credit Card Collection, Summon to Appear in Court

    If you know that the debt was sold, it was sold to a junk debt buyer. They, in turn, hired a collection attorney to sue. But it sounds as if they really haven't sued yet.

    I think it was a good...
  15. Debt Collectors: Re: Protecting One's Assets when Marrying Spouse with Potential Junk Debt

    Hopefully someone else will chime in because everything I read says that debts before a marriage are not community property.

    It would be very difficult for any creditor to toll the SOL for...
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    Debt Collectors: Re: Debt Collector Deadlines

    The only time that a credit agency has to report a debt to the Credit Reporting Agencies is when it is disputed by the consumer. Otherwise, I am not familiar with any requirement for anyone to even...
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    Debt Collectors: Re: Court Hearing Did I Need to Show Up

    The case has already been decided by default judgment. The only way to change the default judgment would be to have it vacated. This process is kind of like an appeal, but to the same court. You...
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    Debt Collectors: Re: Court Hearing Did I Need to Show Up

    Default judgment is not good. The attorney showed up on the court date whereas you did not. When one of the litigants does not show the other can ask for, and most likely get, a default judgment. ...
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    Debt Collectors: Re: Can I Be Billed on an Expired Credit Card

    Correct. But why do you think you owe anyone anything? If the bank is not sending you a bill, nor the service you subscribed to, then the service probably cancelled your service when its request...
  20. Debt Collectors: Re: Protecting One's Assets when Marrying Spouse with Potential Junk Debt

    If it has been decades ago and for credit cards then the statute of limitiation has long run out. The collectors can, and sometimes do, send dunning letters but they have no hope of garnering a...
  21. Debt Collectors: Re: Protecting One's Assets when Marrying Spouse with Potential Junk Debt

    The entire article can be found here:

    http://www.nolo.com/legal-encyclopedia/article-29572.html
  22. Debt Collectors: Re: Credit Card Collection, Summon to Appear in Court

    This situation didn't happen over night. The collector, and the original creditor, probably have written several dunning letters to you about the delinquent account.

    You probably did not respond...
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    Debt Collectors: Re: Did Not Dispute

    Well, you haven't lost "all rights" to challenge the debt. When the 30 days elapses the CA does not violate the FDCPA if it does not respond to your validation request

    If you would like to clear...
  24. Debt Collectors: Re: Why Would a Creditor File a Notice of Nonsuit

    Found this listing:

    http://www.statuteoflimitations.net/texas_statute_of_limitations.htm

    Credit cards are typically open accounts.

    You might search further on nonsuit for Texas to see if it...
  25. Debt Collectors: Re: Collection Agency Claims 1099-C Will Be Filed, What Does That Mean

    No, it's real and the debt collectors don't like it any better than the debtors. In fact, the Debt Buyers Association even file a lawsuit trying to change the new requirement forced upon them:
    ...
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