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    1. C

      NAF Award in my favor "dismissed with prejudice" and in their own back yard!!!!!

      NAF Award in my favor "dismissed with prejudice" and in their own back yard!!!!! What is the name of your state?What is the name of your state? NJ Today, I received and "Order" from the National Arbitration Forum on an MBNA/Wolpoff claim whereby the Arbitrator ordered that the case...
    2. C

      1099c and IRA accounts and Chapter 7

      Thanks! Very quick reply--many thanks. I mentioned to a friend of mine that time was not on our side. He thought that if the reform passes they would have to "grandfather" debts. I am investigating while trying to avert further legal action. The cc bank violated the agreement, but this may take...
    3. C

      1099c and IRA accounts and Chapter 7

      What is the name of your state? NJ I'm new to this side of the forum. Does the filing of Chaper 7 affect IRA's and once discharged is there a chance the unsecured creditors will issue 1099's or 1099c's? I'm thinking that if the unsecured debt is submitted for Chapter 7 then all of it goes, even...
    4. C

      Arbitration Claim Form - compromise

      Case law on arbitration NJ If the arbitration clause includes an conditional opt-out and includes wording to the effect, "if you reject this amendment... send your rejection notice...if you reject, you must pay off the outstanding balance...we reserve the right to close your account." Most...
    5. C

      Arbitration Claim Form - compromise

      Aend an objection! Send an objection to the arbitration forum. If the attorney has forwarded you a claim then the procedure to respond should be attached. Follow the procedure and object in writing making sure that you serve(mail) all parties. begin looking for an attorney. I am not an...
    6. C

      Arbitration Claim Form - compromise

      Respond! Respond in writing within the time frame. If they ram the arbitration through anyway and obtain an award, you can at least have documentattion on your side should you request a reconsideration. Do you believe you owe this? Did you dispute in writing? Did you do nothing. What's the...
    7. C

      Considering Debt Settlement Program

      The answer is you! Take one account at a time and review the possibilities. Talk to an attorney*(*competent) before buying into any "program." If you don't wish to dispute the debt, or alleged debt, then settle. That is, if you are behind and in default. If you are current then the cc companies...
    8. C

      Shafted!

      How much do they ask for? Keith, NLA's website makes it sound like a cakewalk. I assure you banks are retaliating. And as they do you will have to respond with a counter attack. My experience tells me one must become well-versed in procedure and have legal representation willing to take on...
    9. C

      Shafted!

      ask ...to root out the bad.
    10. C

      Shafted!

      ask debt guy. Ask me some questions re DE. We need to root out he bad.
    11. C

      Help Please, can not take the stress

      Relax Take a breather. Gather up all the documentation. You did save everything, right. If you have not received a judgment(s) yet, then consider contacting an attorney. If you were served with complaints follow the court instructions and answer them, that is if you still are within the time...
    12. C

      credit card contract in writing

      Seems to me the bank could readily give me the requested information. Why do you rob banks, Mr. Dillinger? Because that's where the money is! The bank, we were told when growing up, was the place where the money is. And, don't ever challenge. Now I know that there is no money at the bank but...
    13. C

      credit card contract in writing

      Obligations? Debt Guy: I believe you are/were a banker for quite a long time. If so, can you tell me for certain if the bank loans out other depositor's money, or their own, or both? And, if they loan out other depositor's money, how would they then support the liability of those depositor's...
    14. C

      Improper Service? Business enitity...

      What is the name of your state?What is the name of your state?What is the name of your state? NC Disputed(May, 2004), then settled business credit card on an LLC I owned/managed which has since been legally dissolved. Received summons and complaint to me, personally and to the LLC. However...
    15. C

      Head of Household wage garnishment in NJ?

      Thanks ladynred! Thanks for your help! I always know I'm getting a straight answer from you. We will be motioning the court to vacate default judgment Monday and are confident it will be granted. Learned my lesson on this one.
    16. C

      Credit Card Problem..

      The agreement first, then the money The agreement and the binding thereof is the key. The money or "credit" is secondary. I'm sorry, but the accounting is the reality. You cannot shy away from it if you are to fully understand and go up against a bank. If you pay the gas station attendant...
    17. C

      Head of Household wage garnishment in NJ?

      What is the name of your state? NJ If I am head of household, no other income, can they garnish wages after just receiving default judgment?
    18. C

      Credit Card Problem..

      Get current w/ MBNA if your settlement is not accepted. Then try to pay them off or transfer to another cc. They hooked you into gettiing behind so as to boost the rate. You cannot offer settlement with these %$#@(*^'s from a current position. However you can make them answer your requests for...
    19. C

      Is This Legal?

      The truth is incontrovertible, malice may attack it, ignorance may deride it, but in the end; there it is. -Winston Churchill Federal Reserve Bank of Chicago's publication Modern Money Mechanics(page 7) states: "Loans are made by crediting the borrower's deposit account, i.e.,by creating...
    20. C

      Debt settlement problem

      Arbitration is concentual You must consent to the arbitration. You may wish to object but if you go in to their forum make sure you understand exactly what is happening. I bet they will withold the evidence you mentioned. Get everything in writing and rebut. Most arbitration clauses(bill...

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