2004 Credit Suit

E-mail received in the last two hours

Here are some excerpts:

"I am about to go crazy and would love any advice you have for me.

I had a 1500 dollar fone bill for (deleted) which they quickly gave to (deleted) to collect. During June – December I paid them in three installments the total bill. I asked for and received a memo from them in late December saying the account was closed and that the matter was clear.

So, great, huh? Naahhh. One month later, I received a letter from them demanding $500. I called them, spent hours on the phone with them, until one of the representatives said he understood what happened, and was going to clear the account. So, great, huh? Naaah. Now I call them and suddenly my bill is $4000, they claim I have 4 accounts, etc. I am going out of my mind."

The next one:

"Hello :

I have a debt of 1,500+ with (deleted). Its a debt from '95
I had a letter of negotionation drawn up by my lawyer ( as a favor to me,
because she doent really handle credit cases) I have sent , and re sent
the letter to every address I could find on Providian...even to the
Credit commision..
yet I recieve absoulutely NO response.
I do not owe the amount they have totalled up...I only truly owe about
950...the rest is artributed to fees , late- finance- interest- whatever
they can tack on.
My inablitiy to pay was and still is due to finacial hardships, due to
severe health problems ( and the bills that goes with them ). I am on
disability but willing to try and pay a negotiated settlement on the
account.
Yet no one responds.I have been trying an entire year !
My lawyer gets no response, I get no response...what else can I do ???
I want to clean my credit report of this matter...but no one really waNTS
TO HELP. oTHER DEBT CONSULERS SAY THAT THEIR COMPANIES WON'T HELP ,
BECAUSE MY DEBT IS TO SMALL.
I am contacting Ms.Feathers in hopes of her advice as to what I should
do.....
I can't seem to get this cleared on my own, can she - will she help ?I
know that she also doesn't handle small debt negotiation...but any help,
a phone call to providian on my behalf , would open a door for me,
perhaps??
I will be grateful for anything !!!
Thank you !"

Well, there you got an idiot of a lawyer doing favors. Who would be so stupid and offer to pay a nine (9) year old debt???? In most states the SOL is long expired, and the first step is certainly a validation request to document the balance.

Next:

"Please let me know as soon as possible if you can help me or to bug off.

I live in the State of (deleted). I received a summons from (deleted) dated 1/20. I received the summons on 2/24 and of course it stated I only had 20 days from the date of filing to "Answer" the summons. I do not dispute the debt I owe to Chase but I do dispute how much they are trying to sue me for. My credit limit was 1,500.00 and they want 3,838.00. I tried to settle with them for 1900.00 on 2/25 but they would not accept. I then called back on 2/26 and stated that was able to come up with 2500.00 and they asked for more money (As Ms Jones stated, "you'll get the money, just watch God has a way of making things happen, it'll just fall in your lap" but to send the check. I was then to call back on 3/25/04 to make payment arrangements. Unfortunately the additional 600.00 fell through. I had a family emergency and had to leave town from 2/27 - 3/8. While I was outof town, I remembered that I had to send them a check so I called my roommate and asked him to mail it. I stated to the law firm on 2/26 that I lost my paperwork and the only way I was able to contact them was by hitting redial on my phone since they were the last number I dialed the previosu day from my office. Anyway, I already made a check payable for 1900.00 with "paid in full" in the memo line along with my SSN as well as wrote PIF on the endorsement line on the back of the check from the first time I thought I was going to be able to settle, I just never ripped it up. My roommate asked me where to send the payment and I stated I lost the paper work. He asked me what the debt was for and I told him Chase. He looked up the payment address online for Chase and that is where he sent it. To conclude, Chase cashed the payment on or around 3/6/04. The law offices of (deleted) contacted me today and I explained what happened. they said they will not consider it a payment and I should not have sent it there. ThPlease help if possible.ems ey will continue to enter a judgement against me. Anyway, I was told that as long as Chase cashed the check, they are obligated to accept it as settlement (this was from a friend of a friend, you know how that goes). The law firm asked me to call Chase and retrieve the funds back so I can forward to them. I do not know what to do next and feel like I am having a nervous breakdown. Please advise if you can help or maybe point me in the right direction. Any help is greatly appreciated.

Thank in Advance,"

I don't know what people are THINKING!!!

I'm not a lawyer and I'm BUSY!

What really gets me is that some people get upset when I send them http://www.bayhouse.com/donate.shtml and ask them to publish their problems. They don't even subscribe to CreditFactors, some seem to think it is my duty to dismiss my lawsuit and to cheerfully work for $1 or $2 an hour on their problems.

I don't think so!!!

It's not all people, but it sure can get irritating.

And frustrating, why can't people just search the web sites, do a little reading and find the answers themselves?

Why do so many people have ZERO "life" skills.

Most (not all) are totally unable to learn. I've worked literally hundreds of hours on specific cases, and my clients continue to have one problem after the other, they continue to make phone calls, don't put anything in writing, ...

It's like trying to teach lemmings not to commit suicide. It can't be done.

Quite depressing.

One person wrote back:

"You don't want clients? than what is your purpose in doing this?"

And that's even more depressing.

Posted by Christine at March 10, 2004 07:19 PM