Recent content by semerick

What is the name of your state? TN My husband passed away in 2003. I was applying for a mortgage recently and discovered I had a Capital One card on my credit bureau reports I had never seen before. The card was taken out by my husband the year before he died and now has approximately 6K on...

What is the name of your state?FL I moved from an apartment in Tampa due to a job transfer two months before the lease expired. I had lived in the apartment for almost three years and was a good tenant. Because of this, I made an agreement with management to take care of carpet and other...

What is the name of your state?TN I'm being sued by Discover. My house is owned by myself and a friend (no relation). Can Discover put a lien against my house if I only own 50% of it? Will this affect my friend's credit report? Thanks!

What is the name of your state?TN I am 70 years old and on Social Security. I moved to TN from FL two years ago after my husband passed away. The Discover card belonged to both of us, but after losing his Social Security, I was no longer able to pay. I am now being sued by Discover. I own a...

Well the good news is after many emails flying back and forth and much argument, Dad has agreed to use the two booster seats I am providing in his two cars. He won't, however, guarantee my son will be in a booster if he rides with anyone else (too much trouble, of course.) To the person who...

I spoke with an attorney here in Tennessee. Since we are residents of TN, I can have the child support agreement (which was originally signed in FL five years ago.) moved to this state and petition the court to include booster seat use as a condition of visitation. That shouldn't be a problem...

What is the name of your state? TN My seven year old son visits his father in FL for six weeks each summer. He's my only son and I worry about his safety while he's gone since his father seems to think he and everyone else in his family is invincible. My son uses a booster seat in TN since...

I have a question for LadynRed: We're still being sued by Citicorp. That account is in my mother's name with me (her daughter) as a cardholder. We're both on Social Security. All we have, besides the house, is our cars and household possessions. I understand in Tennessee, we have a $4000...

I checked the other post and it sounds like the trouble is with the creditors and collection agencies, not CSA. We had a lot of trouble too. Even though CSA repeatedly sent the Cease and Desist and Power of Attorney, some creditors/collection agencies still called and sent notices. We haven't...

I haven't spoken to anyone with an accent yet. CSA is located in Dallas and I haven't even heard a Texan twang. But, they're definitely in Texas since I've called the main number and they answer the phone. However, I know what you mean about Indian accents. Most of the credit collection...

One other comment I forgot. We have checked our credit report since settling two of our accounts. They are listed as "settled" on our report. The other accounts are listed as "discharged." We've already been told by a creditor that "settled" is good and "discharged" is bad. Discharged means...

First of all, I'm sorry for not replying sooner. I've been sick (I'm on disability) and really not able to sit long enough to type out a message. I'm getting better now and just able to sit down and review my email, etc so I wanted to be sure and send you an answer. You're right about the...

Overall, we've been happy. But, I am still a bit "miffed" at their marketing material which leads you to believe you won't be sued. We've been sued by Citibank who, we found out later, sues just about everyone. And I wasn't too happy that no one at CSA mentioned you can receive a 1099 from...

So far we really have nothing to complain about. After we got the summons, we were very nervous, just like you. But we talked to someone from CSA's litigation dept. who answered all of our questions. She said there's always the chance of a judgement, but more than likely we'll settle this...

Good news... I heard from the CSA Rep. today who said that I should qualify as insolvent and is working to get together the paperwork I will need to this. That should take care of the 1099's. She said they don't publicize this because not all companies send a 1099. They deal on a case by case...