Recent content by joeyb5980

What is the name of your state? WV Wife and I are getting ready to file Ch. 7 bankruptcy. I owe about $23,000 in debt. Mostly Credit cards, but also medical bills, etc. We have decided on a lawyer and I am filling out the forms this week with intentions to file next week. Just wondering if...

Letter I am sending a DV letter to this company now. Since I have sent the $50 payment already last month, I have added that to the first paragraph (see bold text below). Does this sound good??? This letter is being sent to you in response to a notice sent to me on November 5, 2004. Be...

Thanks! Thanks for the helpful replies! I appreciate your advice!

I don't think I would do it... I had the same situation, except they wanted to go ahead and set up check-by-phone payments for the next 3 months, instead of me sending them payment. I was advised by people on this board to definitely not give them my checking info- not even mail a check. So I...

What is the name of your state?WV My Discover card has been placed with Encore CA, and last month I made a payment of $50 to them. I am supposed to make another payment of $50 to them this month, and again in January, and then settle in Feb. (w/my income tax return money). My question is, I...

Thank you! Thank you for the advice- I certainly agree that they are scumbags- I have never been treated so rudely by anyone, as the jerks at TC&T. I am going to get them the DV letter out Monday, and not let their nasty threats scare me and ruin the holidays :-) Thanks again for your advice!

thank you Thanks for the advice- however, it has been longer than 30 days since they first contacted me, so do I still have a legal right to demand validation? Also, she has said if I don't set up payment arrangements by 9:00am tomorrow, they will proceed with the suit, and I will have to pay...

Yes Yes Trauner, Cohen, & Thomas is just a collection agency with lawyers- they try to make you think they are just a law firm, but they are a collection agency. What is DV- debt validation? Sorry for my ignorance. I have received letters from them wanting to know my intentions of paying the...

What is the name of your state? WV Well, T, C, &T have called me again today, and since I haven't made any arrangements to pay anything on my Chase card with them since Sept. (when I was harrassed via telephone, violating the FDCPA majorly), they are going to sue. She says they can go to court...

Update: Okay, well I just spoke with the lady at Encore again. Discover has approved a settlement of 30% of the balance (only $1146- entire balance is $3820) but I cannot come up with that amount until Feb (income tax return). I told her I wanted to pay the $50/month for them to hold the...

Thank you guys so much for the advice! She said that if I didn't pay by Nov. 30 that it would go back to Discover and they would take legal action, but I am going to tell her that I will make the payments and settle, but NOT until I have something in writing- and they will only be getting a...

Me again :-) I guess since noone has advised not to, I will go ahead and pay them $50 each month until I can afford to settle- should I ask for anything in writing? I also wanted to mention that my Chase card that was charged off is with Trauner Cohen & Thomas- total *******s. The amount is...

What is the name of your state? WV Hi, I had a discover card charge off about a month ago- had the card for about 4 years- always made payments- even paid it off in full once (when it was maxed out). This is the 3rd card I have had charge off in the last two months- this one being the most $$...