Get in line: Chase threatening a suit

[BrokeIn2010]

Got a call from Frederick J Hanna & Associates on behalf of Chase: $3000 dollars by 5PM Friday or they sue. Fine, aholes, get in line behind Zwickers, and Cross & Assoc, and take a number.

[treehugger1]

LOL! I'm sure they are used to standing in line these days.

[BrokeIn2010]

They called back, left a message: They'll settle for $2000 by 5PM TODAY and they want sue. What happen they get a look at my credit report?

Best part: 1st call, he implied (to use a word) that he was going to sue my wife and take her paycheck (she's not on the card, and she never used) or that he would hang up and call her at work and tell her what a deadbeat I was; Second call "Mr <my name> if you agree to this settlement, don't worry we have you bank information we can draft the payment as soon as you say it's okay". uh-huh...try it on a closed account dumbass.

[Freddy03]

LOL I said the same thing to one collection attorney. I told them go ahead waste your $330 to file the suit, I just received a judgment and have retained a BK lawyer. They never filed the suit.

[BrokeIn2010]

Oh it was fun:

Collector: "This isn't a neogitation, this is a litgation, we will file suit!"
Me: Then why don't I hang up?
Collector: Cause we're trying to keep this out of court
Me: But you just said that you're filing suit?
Collector: No I didn't, no I didn't!!! Sir you are lying on a record line.
Me: Whoopie

On and on like that for 45 minutes.

[tobee43]

Got a call from Frederick J Hanna & Associates on behalf of Chase: $3000 dollars by 5PM Friday or they sue. Fine, aholes, get in line behind Zwickers, and Cross & Assoc, and take a number.

let me be the first to push ahead of the line so i can knock over the first person in line so we can do the domino dance for chase! now that would be fun!

[BrokeIn2010]

I've got three legal collections firms all making a run for the court house. All of the debt is 100% mine. Have fun a-holes. I started closing bank accounts a month ago. And my wife (smartly) never uses hers to pay any of her bills, she either pays in person, money orders, or Wal-mart money centers.

[tobee43]

good way to do it. so they can't get their grubby hands on your money.

i'm not saying we don't owe these people and i know that is NOT brokein's point either...these people are just plain nasty.

[Fresh]

Nasty and stupid! BrokeIn2010, you and your wife rock for knowing your rights! I'm so glad you took the preventive action.

[BrokeIn2010]

Well another call. I told them that I would not discuss the debt till they validated the debt-- I've told them this from day one. I've never admitted to the debt, and I do in all honestly think that the debt might be wrong as the alledged balance looks wrong as does the account number. They said I had till the 22nd and then the 26th then I caught one of them out and out when he started rattling off an address that isn't even mine; I then told him that that is why I'm demanding that the debt be validated cause they can't keep the details straight. Their letter says I'm got to 11-7-10 to respond in writing with a dispute, I informed them (again) I was disputing the claim, got told that if I dispute it they will get a summary judgment against me. I said fine, take it to court, I''l be there and I'll get it kicked out for not being validated and violations of my rights;

"You don't get to be there, that isn't how this works",

Me: "Yes it is, unless you're threatening me";

Stammer stutter and "Fine, we'll see who blinks first Mr <my name>" and then they hung up

[flyinbroke]

That is OK, I elected private arbitration (which, if you look at your contract, kills litigation by either party) and they STILL filed suit. Paid the 200+ to do it.

They got the first arbitration bill for the lawyer (went after lawyer and OC separately...lawyer lied to OC about it being separate.) OC then paid 800 to arbitrate, plus they paid the consumer share of 250. They should have received the next bill for the retainer of the arbitrator which is around 2-3K. And OC should also be receiving the separate suit against OC which means another 800+ and 250 more...and another 2-3K retainer.)

By the time all is said and done, they will have blown around 25K to get the party started. I owe them less...and they made plenty of violations (including breach of contract) along the way.

I am shooting for a mutual walkaway with TL deletion from the OC...and $$ from the CA.

[ryan]

That is OK, I elected private arbitration (which, if you look at your contract, kills litigation by either party) and they STILL filed suit. Paid the 200+ to do it.

They got the first arbitration bill for the lawyer (went after lawyer and OC separately...lawyer lied to OC about it being separate.) OC then paid 800 to arbitrate, plus they paid the consumer share of 250. They should have received the next bill for the retainer of the arbitrator which is around 2-3K. And OC should also be receiving the separate suit against OC which means another 800+ and 250 more...and another 2-3K retainer.)

By the time all is said and done, they will have blown around 25K to get the party started. I owe them less...and they made plenty of violations (including breach of contract) along the way.

I am shooting for a mutual walkaway with TL deletion from the OC...and $$ from the CA.

I am very interested in following your progress as I may end up going the same way.

[BrokeIn2010]

Oh they want to play a game of chicken, that's fine. I've got nothing to lose, which means I can waste their money and my time till I can file my Ch. 7. It might come off as a little cocky, but it's the truth and I can't worry about anything else; I did what I could do, I got flooded under by the S--t Happens Fairy and now I've got no choice.

[Freddy03]

That is OK, I elected private arbitration (which, if you look at your contract, kills litigation by either party) and they STILL filed suit. Paid the 200+ to do it.

They got the first arbitration bill for the lawyer (went after lawyer and OC separately...lawyer lied to OC about it being separate.) OC then paid 800 to arbitrate, plus they paid the consumer share of 250. They should have received the next bill for the retainer of the arbitrator which is around 2-3K. And OC should also be receiving the separate suit against OC which means another 800+ and 250 more...and another 2-3K retainer.)

By the time all is said and done, they will have blown around 25K to get the party started. I owe them less...and they made plenty of violations (including breach of contract) along the way.

I am shooting for a mutual walkaway with TL deletion from the OC...and $$ from the CA.

Congrats on having the "you know what's" to go the ARB route. I wish I did!!

Good Luck to you!!!!

[BrokeIn2010]

I tried getting Arbritration and they said it's not in the Chase contract (Chase bought up my WAMU card). I asked them for a copy of the contract and zilch, nada, zip.