Wells Fargo leaves me message about irreversible decision

[IamOld]

OK guys, by now some of the regulars know my story :-)

Have to hold out by the skin of my teeth till Sept for BK.

WF cc about sigh - $7,200 - calls around 20 times per day - now left message that unless I call back today, irreversiable decisions will be made. If they look at my credit report...it's godawful.

So...does this mean they're done with me and will sue?

if yes, does WF do it themselves, or is it "outsourced?" I ask of course because that takes more time...I have a feeling I know to whom they'll outsource...delightful people in my state...

This is NOT small claims court in my state - so if you file say TODAY June 16th, you'd get a court date around...more or less, end of July, then you can request a trial which would be set sometime in Sept...

Of course the later we get to filing the later the trial date etc would be set...

So - what kind of timeline do you all think I'm looking at? Also, is it time/worth it to call them back, tell them I haven't any $$, and give them BK atty phone???

[sunshinepa]

Relax a bit. DO NOT CALL THEM.

Wells Fargo also did the same to me. Was it from a foreign speaking guy, lol, he wanted me to sell my couch. Anyway, they will make a few more phone calls, then it will either be handed over to NCO or their attorneys. You'll get notified, you'll wait till the last minute, ask for DV on the 29th day. They will validate and take about another 3 weeks or so to file lawsuit. You;ll get the summons, have 20 days to respond and etc. You will respond with a deny deny and you know the rest of the drill.

If you respond, you can delay. I think you will be ok as this is June, you can drag it out. I actually beat them to all their processes but as you know, I did not beat CITI.

[IamOld]

Relax? :-) What's that?

Right -this was a domestic young woman - by her voice. Yeah, I guess we can stretch for 2-3 months :-)

My meeting with atty is on Sept 15th - man, this is going to be a long hot summer :-)

I expect to be sued by Zwicker for Target unfortunately in small claims court by then. I'm going to actually need to fax them-Zwicker - a DV letter today...

Relax a bit. DO NOT CALL THEM.

Wells Fargo also did the same to me. Was it from a foreign speaking guy, lol, he wanted me to sell my couch. Anyway, they will make a few more phone calls, then it will either be handed over to NCO or their attorneys. You'll get notified, you'll wait till the last minute, ask for DV on the 29th day. They will validate and take about another 3 weeks or so to file lawsuit. You;ll get the summons, have 20 days to respond and etc. You will respond with a deny deny and you know the rest of the drill.

If you respond, you can delay. I think you will be ok as this is June, you can drag it out. I actually beat them to all their processes but as you know, I did not beat CITI.

[sunshinepa]

Well, I know you can't actually relax so I guess I should have said "don't panic". You may still get a few more calls from their legal offering a "deal". I think that happened to me.

Sooo........if 9/15, can you be filed by 9/16? I surely hope so for your sake, you have had your hands full for way too long now!!!

[IamOld]

Well, I know you can't actually relax so I guess I should have said "don't panic". You may still get a few more calls from their legal offering a "deal". I think that happened to me.

Sooo........if 9/15, can you be filed by 9/16? I surely hope so for your sake, you have had your hands full for way too long now!!!

RIGHT!!!!! I agree!!!!! :-) My goal is to be filed at that meeting...if all goes well.

[frogger]

Are you positive they said "will be made"? Or, did they say could, would, etc., giving wiggle room?

Regardless, it's nothing more than another tactic. I'm going to make the irreversible decision soon to have a shot of JD.

[IamOld]

Hi....alas it was WILL Be made...left at home and on cellphone...

I'll take ashot of uzo! :-)

[AngelinaCat]

RIGHT!!!!! I agree!!!!! :-) My goal is to be filed at that meeting...if all goes well.

Have you been filling out your paperwork while waiting for the meeting with the attorney. I hope so, and that this meeting is where you will sit down and review and make sure there are no errors on the petition.

Good luck to you!

[catleg]

Your file will leave this office at 5pm. (to go to other dark, scary places).
Put a penny on that square of the collections bingo card.

[IamOld]

Thanks so much! Angelina. Atty has everything as my spose's case is already under way...i am sending paystubs each month

[IamOld]

Your file will leave this office at 5pm. (to go to other dark, scary places).
Put a penny on that square of the collections bingo card.

Too funny!!!!!!!!

It's amazing how they know what buttons to push!

[lillymarlene]

Your file will leave this office at 5pm. (to go to other dark, scary places).

Catleg, that is too funny. I actually had one from Advanta tell me that if I didn't reply to him within 24 hours, I'd no longer be able to work on this with him!

[AngelinaCat]

We had one creditor call us and offered us a settlement that was low, and the offer would be good if we made the payment "this weekend". He wouldn't even let us consult our attorney about it.

Of course we declined their 'most generous' offer...

[catleg]

Remember this game (collections) has been going on for thousands of years.

"if you don't pay by the next moon this account will go to Collectorian Violentus."

[IamOld]

catleg that is hilarious!