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    #1

    does it really matter?

    its been almost 2 years and ive been sued once... now ive got another lawyer threatening me with a suit from chase.
    ive noticed all the lawyers state that if i dont deny the debt within 30 days, it will be deemed valid...
    does it really matter if you dispute the debt or not? can not answering his letter be used against me?. im thinking the outcome will be the same.. btw, im garnish proof and the the last judgement was a year ago and ive not heard anymore from the lawyer...he called me after the judgement and ask me how i planned on paying the judgement.. i told him that my wages were protected by law and thats the last ive heard from him...

    now i only put money in my bank accounts in small amounts, in case they try to freeze my account... i have a SS debit card also, that is not garnishable.

    i got a 10-99 for 10k from another CC, that im waiting to deal with the IRS... my accountant said that i should not have to pay the tax, as im insolvent.
    "it looks like i picked a bad day to give up sniffing glue"! [McKroskey, airplane]
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    #2
    If you send a debt validation letter and they do not comply, they can not continue to pursue collection against you.
    Stopped paying: 08/10, Filed CH7: 08/27/10 , 341 & No Asset Report: 10/6/10, Last day to object: 12/06/10, Discharged: 12/07/10, Closed: 12/08/10
    AHEM.....NOT AN ATTORNEY, NOT ADVICE, ETC, ETC

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      #3
      DV letters are useless. The creditors have caught on to that a long time ago. If the collection attorney is acting on behalf of the orginial creditor a DV letter is worth the paper it was printed on.

      In my 2nd case I countered sued b/c the collection attorney sued me while in the DV phase (5 days after they received my letter to be exact) and the judge denied my claim. The OC and OC attorneys do not have to follow the fdcpa.
      "I DECLARE BANKRUPTCY!" Ch 7 Filed 7/15/11 * 3 Minute 341 8/19/11 * Discharged 10/20/11

      Comment

        #4
        Originally posted by Freddy03 View Post
        DV letters are useless. The creditors have caught on to that a long time ago. If the collection attorney is acting on behalf of the orginial creditor a DV letter is worth the paper it was printed on.

        In my 2nd case I countered sued b/c the collection attorney sued me while in the DV phase (5 days after they received my letter to be exact) and the judge denied my claim. The OC and OC attorneys do not have to follow the fdcpa.
        Freddy, I assumed from the OP's post that it had been some time and thus the debt possibly had been sold to CA's or JDB's.
        Stopped paying: 08/10, Filed CH7: 08/27/10 , 341 & No Asset Report: 10/6/10, Last day to object: 12/06/10, Discharged: 12/07/10, Closed: 12/08/10
        AHEM.....NOT AN ATTORNEY, NOT ADVICE, ETC, ETC

        Comment

          #5
          Originally posted by ccsjoe View Post
          Freddy, I assumed from the OP's post that it had been some time and thus the debt possibly had been sold to CA's or JDB's.
          Oh I just saw Chase and I assumed it was still with the OC.

          But if it was sold - then yes I would send the letter and wait and see if they respond.
          "I DECLARE BANKRUPTCY!" Ch 7 Filed 7/15/11 * 3 Minute 341 8/19/11 * Discharged 10/20/11

          Comment

            #6
            the lawyer stated in his letter, that he would supply me with debt verification, if i requested... sounds like hes familiar with the drill... since its a lawfirm involved, im thinking a dv letter would be a waste of time..
            "it looks like i picked a bad day to give up sniffing glue"! [McKroskey, airplane]

            Comment

              #7
              Originally posted by floridian View Post
              its been almost 2 years and ive been sued once... now ive got another lawyer threatening me with a suit from chase.
              ive noticed all the lawyers state that if i dont deny the debt within 30 days, it will be deemed valid...
              does it really matter if you dispute the debt or not? can not answering his letter be used against me?. im thinking the outcome will be the same.. btw, im garnish proof and the the last judgement was a year ago and ive not heard anymore from the lawyer...he called me after the judgement and ask me how i planned on paying the judgement.. i told him that my wages were protected by law and thats the last ive heard from him...

              now i only put money in my bank accounts in small amounts, in case they try to freeze my account... i have a SS debit card also, that is not garnishable.

              i got a 10-99 for 10k from another CC, that im waiting to deal with the IRS... my accountant said that i should not have to pay the tax, as im insolvent.
              Good job judgment proofing yourself! That's why that attorney lost interest in you. He knows he will just end up wasting time and money trying to get you to pay anything.

              And if he ever calls again, I would tell him you are judgment proof and that he is wasting his time and money on you. And I would also follow up with a Cease and Desist Communications letter to him, so that if he keeps calling you, you can sue him for a $1000 for violating the Fair Debt Collection Practices Act.
              The world's simplest C & D Letter:
              "I demand that you cease and desist from any communication with me."
              Notice that I never actually mention or acknowledge the debt in my letter.

              Comment

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