Civil suit questions

[black2002ls]

Junk Debt Buyer
Address
City, State Zip

NOT STUPID CONSUMER
address
City, State Zip


MM/DD/YYYY

Certified Return Receipt Mail No.: _____________


Re: Your Inquiry dated ____: your file # _____


Mr. Scumbag :

...



TYPED NAME

I wanted to emphasize TYPED NAME. DO NOT sign anything you send them. 1there have been many cases of those signatures jumping to other documents.

[93LXHORSE]

Thanks for the really good advice. I will look into the law firm when I get back. I think I'll also pull another credit report just to see how it shows up. I have disputed items many years ago and successfully cleaned up my credit score to the order of a 730 or so.
I know on a long enough timeline and with consistent effort it will be that way again.
Yep I had to learn the hard way that one is too many haha! I turned into a bad boy again for a while but eventually I got real tired of it.

Sent from my LG-D801 using Tapatalk

[chronical]

Thanks for the really good advice. I will look into the law firm when I get back. I think I'll also pull another credit report just to see how it shows up. I have disputed items many years ago and successfully cleaned up my credit score to the order of a 730 or so.
I know on a long enough timeline and with consistent effort it will be that way again.
Yep I had to learn the hard way that one is too many haha! I turned into a bad boy again for a while but eventually I got real tired of it.

Sent from my LG-D801 using Tapatalk

Be sure to pull all 3 and get your real reports from here for free if you havent done so this year

https://www.annualcreditreport.com/index.action

feel free to post back up and I'll respond

[93LXHORSE]

Attorney's name is Scott, Parnell & Associates. Found a ton of info on them, mostly links for attorneys who will help you sue them when THEY sue you.......

They are a law firm that sues people on behalf of creditors, in my case FIA card services, AKA Bank of America.

I'm looking into it more.

[chronical]

Are they bonded in Texas?

[93LXHORSE]

I don't know.

[chronical]

Never mind, I read that wrong

[93LXHORSE]

He is an attorney with a bar number and specializes in credit litigation. I know this thing is approaching the 4 year statute of limitation limit and that's why the urgency on their part. Anyway I just got home, I'll look into it when I get some time tomorrow.

[2011GT]

I wouldn't worry about your credit score. Life is better when you're debt free. It's easier then you think to get out of debt.

[chronical]

I wouldn't worry about your credit score. Life is better when you're debt free. It's easier then you think to get out of debt.

So never buy a house? or have cheaper insurance? or get a better job? or save on deposits for things like phone plans or cable?

Being in debt and having good credit is two different things. Makes me think of this...

http://www.dailyfinance.com/on/dave-ramsey-ruined-this-guys-life-and-his-music/

[SMKR]

I happen to be in Monterrey, Mexico at the moment! They can hardly serve me down here... now, can they!! LOL

Ok what state do you live in? TX
Who is the original creditor? BANK of America
How much is the debt for? 14,600
What is the debt for? Credit Card
What is the name of the "law firm" that is contacting you? I don't have the paperwork with me and I'm down in Mexico..
When was the date of last activity (defined as the first month you went 30 days past due that subsequently led to 60, then 90, and eventually charged off) I believe it was Aug of 2011

What part of Mexico?

[Broncojohnny]

So never buy a house? or have cheaper insurance? or get a better job? or save on deposits for things like phone plans or cable?

Being in debt and having good credit is two different things. Makes me think of this...

http://www.dailyfinance.com/on/dave-...and-his-music/

Have you not been here long? Some Dave Ramsey disciple will come in here and let us know how we don't need a credit score and how it is actually a "I love debt score".

I had this great conversation with a coworker the other day. This guy is ten years older than me and pretty well off. He was a partner at his old company and they sold the business about ten years ago. He paid off his house with the proceeds and has been living debt free since. He went to get a mortgage to buy his daughter a condo to live in while she goes to TCU and he had no credit to speak of. The bank wanted him to pay 7% on a mortgage. Hilarious.

[chronical]

Have you not been here long? Some Dave Ramsey disciple will come in here and let us know how we don't need a credit score and how it is actually a "I love debt score".

I had this great conversation with a coworker the other day. This guy is ten years older than me and pretty well off. He was a partner at his old company and they sold the business about ten years ago. He paid off his house with the proceeds and has been living debt free since. He went to get a mortgage to buy his daughter a condo to live in while she goes to TCU and he had no credit to speak of. The bank wanted him to pay 7% on a mortgage. Hilarious.

Not long enough I guess. Ramsey is great for people drowning in debt with no self control.

[Broncojohnny]

Not long enough I guess. Ramsey is great for people drowning in debt with no self control.

Exactly. He is great for his audience who are, generally speaking, a bunch of unsophisticated hillbilly stumpfucks.

[93LXHORSE]

Just to be clear, I understand completely how to build credit, repair credit, and how to use credit properly. Now I'm gonna get educated on how to keep predatory law firms from trying to kick me when I'm getting on my feet again.