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    1. C

      Motion to vacate default judgment/IRA Money

      only or public employees? Does that read IRA for public employees?
    2. C

      Motion to vacate default judgment/IRA Money

      Conventiional IRA Thanks for the reply. It's a conventional IRA. Where specifically is the site you quote from? Thanks again!
    3. C

      Motion to vacate default judgment/IRA Money

      What is the name of your state? NJ We are motioning to vacate a default judgment against Discover. Question is can an IRA account be seized while we file our motion? We have an attorney working on it but I wanted to ask.
    4. C

      Major CC Debt--Help!

      Step back and focus in on the situation Educational only-individual governance supersedes my post! This is not legal advice. Ask questions and learn! First. You are in control. MBNA will keep the pressure on as they know your plight and it is highly unlikely they would allow a principal only...
    5. C

      Questions re: Discover card lawsuit

      No initial dispute? Did you ever formally dispute this cc balance, transaction, purchase, etc prior to receiving the summons and complaint? I wonder who the attorney is who came after you. You say they purchased the debt. Are you certain? Do you have correspondence from them stating they...
    6. C

      ? legal action by credit cards

      Time out! What is the amount of the unsecured debt? Stay within Federal Law. You can fight if you want to. LIR is wise to urge staying away from "strawman" strategies. You are the one(s) in control--remember that. If the amount is small then settlement down the line is achievable. Do you...
    7. C

      credit card

      As crazy as it sounds the cc banks create appearances. You applied for for credit and was issued your credit, not their money. If you knew this from the beginning and maxed out your credit only to then dispute and not pay than you can't claim they were fraudulent. However, if you genuinely...
    8. C

      Debt Elimination Questions

      Consent? You did not come this far and go through arbitration without first gaining consent from opposing party, right? Was ther some sort of settlement agreement you tendered that bound them to consent to your arbitration venue/tribunal. Look and see!
    9. C

      Summons received today

      Keep up written requests for verification They have to provide verification within 30 days(I believe)...if you formally write to them stating such. verification http://dictionary.law.com/default2.asp?typed=verification&type=1 n. the declaration under oath or upon penalty of perjury that a...
    10. C

      credit card settlement for dad

      Yes, everything in writing. I would hesitate in even mentioning bankrupcty with an UNSECURED credit card without first consulting an attorney steeped in this area. Offering a settlement from a current position does not sit well with these financial institutions(they'll want to know where the...
    11. C

      Question about Debt Validation

      Request in writing validation ASAP! Formally respond to the intitial CA demand letter, which should have the 30-day "validation" clause: "If you dispute..." If they respond with a billing statement(which they probably will) it is not verification of the obligation. They use this tactic whenever...
    12. C

      Chargeoff - IRS 1099 income

      Basic math Pay(if you want) on $2000. Or formally dispute lawfully. Anything more doesn't square with what you settled for. You can prove the $8000 was paid by you per your example, yes?
    13. C

      Chargeoff - IRS 1099 income

      Found money. The 1099-c, in my opinion is bogus. I believe one could challenge that and prevail. But based on your example, $2,000 is the amount that would be reflected on the 1099-c. After all, you settled at $8,000. What did you get the law firm to report to the credit bureau at settlement...
    14. C

      Chargeoff - IRS 1099 income

      Or perhaps you can prove... If you can prove you are receiving your own value back to you(which is the 1099-C), then you really don't have income. Yet another ploy by the credit card company to make the appearance of risk/loss.
    15. C

      Debt Elimination Questions

      don't sit on the awards, if bonafide. I paid $ 8,000 to a company to profoem debt elimination on several credit card that were deliquent. They started the process and I was actually awarded 8 arbitration awards through a bona fide arbitrator from another state. The company has since ceased...
    16. C

      College student needs HELP! Collector scared me

      ...and have ignored them I have a debt of $2400 on a Chase student credit card. I have been getting letters from collectors in the mail for months (they've stopping coming as much lately) and have ignored them If you believe you owe this balance, then every communication from now on must be in...
    17. C

      credit cards- overlimit and late

      credit cards- overlimit and late(How much are the balances) If the balances are high, and they are personal unsecured accts, and you have a stomach for challenge, then challenge them administatively. Your good credit history was made by you, not the cc company. That balance you see every month...
    18. C

      Am i responsible

      Liable? Am I responsible? If it is an unsecured credit card(s) I would consider challenging the so-called debt administratively before contemplating BK.
    19. C

      Credit Card Billing Statement Copy Worthy of Lawsuit?

      what arguement should I use with my motion to dismiss? What affirmative defense(s) would you suggest in response to a copy of a billing stement submitted by Discover's atty and rebutted by me prior to lawsuit?
    20. C

      Credit Card Company Wont Accept Arbitration Award

      Looking for zero money, just paid as agreed, zero balance My aim is to neutralize the alleged debt and not to try to get money out of them. The bank, in the end, is not losing any money it was entitled to in the first place. I have learned so far that it is all about the BS you're bound up in...

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