Notice of Appearance filed :(

[BrokeStudent8]

I just checked PACER and found this:

"Notice of appearance and request for notice American Express Travel Related Services Co., Inc. c/o Becket and Lee, LLP P.O. Box 3001 Malvern, PA 19355-0701. (Weisman, Gilbert)"

I had an American Express card, which I stopped using in 2003, but I don't think I used their Travel Related Services Co. I'm wondering if they filed this because I'm not represented by an attorney. It was filed the Monday after my 341 meeting... is that too late? Even if it's not too late, does anyone know what this means?

I also received a letter from a law firm requesting that I sign a Reaffirmation agreement for a debt. The debt is approximately $500 (it was about $200, but with all the charges and interest it more than doubled.) In 2003 I purchased a necklace on a jewelry store department card. I paid most of it off before I defaulted on it, but because I lost the necklace over a year ago I listed it as an unsecured debt on my schedules (the trustee didn't mention this, but he didn't object either.) Their letter states: "In the event you choose not to reaffirm this obligation, please contact us immediately so that arrangements may be made to regain possession of our client's collateral."

I already had my 341 meeting, and no one showed up to object, but does anybody know if they can force me to pay them, or exclude it from the discharge?

I don't know if this matters but I'm only 6 days into my 60 day wait...

[bkfiler]

if the 341 is over i wonder what they think they will make an appearance at? lol not sure if that means a 341 meeting or not?

the request for notice is just so that their attorney gets the documents so he can file them with their own internal case. prob no big deal. never know until you know. just the way that goes.

as far as a reafirmation, i cant give you advice, but i would photo copy a picture of my face laughing uncontrollably and send it to them for a response. 2003 is really a long time ago, you made payments on it since then and i wonder what if anythin g they are going to do about it. it costs half that just to file a adverarial complanint with the court so they aint gonna do it imo lol.

the problem is when people file pro se they KNOW that msot often they can scare them into paying the debt. its unfair and causes extra strees and grief and actual court fights more often because of that then if they had an attorney.

this aint legal advice and im no attorney thank god, but tell them to go kiss our arses lol

[BrokeStudent8]

i would photo copy a picture of my face laughing uncontrollably and send it to them for a response.

ha ha.... they certainly deserve it! Thanks Bkfiler

[StaciMM]

Notify them that you no longer have the jewelry and will not be reaffirming. As long as you didn't do something to get rid of it intentionally, you're fine. The debt will be discharged.

[StaciMM]

PS-the appearance bit, its notifying the court to include that attorney/address of any notifications that sent out. Probably just that the creditor has a special person/company/dept. that handles BK cases.

[BrokeStudent8]

Thanks Staci, I'll type up a letter doing just that. I was wondering if they could do anything, but I guess they can't!

[BrokeStudent8]

Sorry to dig up an old thread, I just thought that this was funny. The firm continued to send me letters, one which included a copy of the sales slip for the necklace. The letter stated that I had signed a security agreement and must surrender the property or reaffirm. The funny thing is, they sent me a copy of the sales slip, but the signature line for the security agreement section is blank. I signed a separate section for a payment protection plan, which was cancelled within 30 days. I guess they just don't look at things that carefully, because now if they try to object the discharge I can just show them that I didn't sign the agreement... they handed it right over to me! ha ha

[bkfiler]

hehe, well things dont work out like that in real life. you probably made some payments on it and that shows you bought it.

but none of that matters much. the creditors that do that are scum suckers looking for anything they can get.

dont say anything to them except that you lost it some time ago they usually go away cuz it costs more to get it from you then its worth and you dont have it any longer.

go read this: http://www.mcfarlinlaw.com/phpbb/vie...&highlight=buy

and this one: http://www.mcfarlinlaw.com/phpbb/vie...&highlight=buy