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    Debt Collectors: FCBA (TILA) Violations

    Just an update here. I pulled TILA involving specifically with FCBA and FCRA, including handling of disputed issues.

    What I found was the bank was in violation of TILA 234 times.

    A short...
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    Debt Collectors: Re: Creditor Sells Debt

    I actually tried NJ Dept of Banking and was told Barclay's was not legal to do business in NJ.

    I also tried the Dept of Banking in Delaware, which was useless.

    The Comptroller of Currency...
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    Debt Collectors: Creditor Sells Debt

    I am here in NJ.

    I had a legitimate bank card with Barlcay's. Within a month of receiving the card, unauthorized insurance premiums were billed. Long story short, I disputed - the bank would not...
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    Debt Collectors: Re: I Don't Owe That

    Let this be a lesson learned not to sign anything without reading it and understanding it.

    What it sounds like is that since you were in recovery with surgury, you may have been coerced into...
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    Debt Collectors: Backtracking and Bad Recordkeeping

    My question involves collection proceedings in the State of NJ.

    :wallbang: I am at the end of my rope on this one! I pulled my CRA's back in 2004 which made me a bit of an expert as I was hit...
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    Debt Collectors: Re: My Ex Charged and Won't Pay

    Not a lawyer, but here's my take.

    I am assuming this was a joint account. If that is the case, hopefully you canceled the account in writing and/or instructed them to remove the ex from the...
  7. Collection Lawsuits: Re: Invalid Debt, with Improper Service of Summons and Default Judgments

    Here in NJ, they can not execute any judgement if you are not properly served. This means someone needs to sign the document.

    I am not an attorney and this was almost 8 years ago, but I faced a...
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