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    1. G

      SOL up on old debt

      Yeah, a lot of web sites say a lot of things. They will sue you for breach of written contract. It will be up to you to prove otherwise. Not saying it can't be done and not trying to discourage you. Just wanting you to know this is no slam dunk and you will have your work cut out for you. Many...
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      SOL up on old debt

      I am not a lawyer. The Oklahoma SOL MAY be 3 years. It is most likely 5 years. No specific caselaw related to a CC exists in regards to SOL. Case law exists for how little it takes to constitute a contract reduced to writing. Start looking for counterclaims via the FCRA, FDCPA, or OCPA. The...
    3. G

      Absolutely ridiculous ticket? fighting tomorrow!

      Ha Ha, don't you mean pucker up? Like I said they make good drugs now some of which should be good for delusions "I don't suck up to anyone. I happen to enjoy IAAL's presence. So after all this time you are still a troll from the Ozarks. Don't you have some cousins to be doing?" The proof is...
    4. G

      Absolutely ridiculous ticket? fighting tomorrow!

    5. G

      what can they do to me?

      Hopefully you won't get hooked up with a chronically abusive debt collector who sues you and gets a judge who chronically despises people who chronically don't pay their bills for no other reason than no one has ever made them and they don't see why they should. For some reason your post really...
    6. G

      Adult Film Production

      Here in the ozarks we don't worry about none of that stuff. Don't you have any sisters?
    7. G

      Credit card troubles

      Belive me, I am not the type to go away quietly and if I could find a lawyer like you, I would already be in suit. You may or may not recall who I am, but I have sent you emails in the past about a letter I used to send consumers soliciting them to fight collection agencies. I have recently...
    8. G

      Credit card troubles

      Most are in excess of th 7 years + 180 days, but you probably are aware of the rubber stamp relationship the CRA's have with some of the OC's and CA's. I learned of my rights and the laws after all of my current obligations. I am re-financing what I can: just got 5.5% refi on my car (from...
    9. G

      Credit card troubles

      While I have some issues with Jazzy's response, he does make some valid points. I have lived through some of your daughter's mistakes. She should be educated on the dire importance of her credit report. Not only her, but everyone. Due to it's serious consequences and importance in society it...
    10. G

      Open accounts

      Being able to prove credit card debt is open ended not close ended is not really the problem. Those are defined in title 14A of the Oklahoma Statutes in banking and interest definitions. Open accounts or open ended accounts are not expressly designated in the Title 12 95 statutes of limitations...
    11. G

      Open accounts

      Beware anyone using the sample answer and affirmative defenses from whychat web page for credit cards lawsuits in Oklahoma. 12A O.S. 3-118(g) is not applicable to credit cards. Article 3 is for negotiable instruments and is not relevant as defined by that article.
    12. G

      Open accounts

      Thank you and I do not disagree with you. The problem is that the terms of the open ended account are spelled out in writing (disclosure statement). I know the disclosure statement is not signed. Typically only an application (and that is not always the case as the Lowe's card I just received...
    13. G

      Auto loan default (due to accident) A REAL GOOD ONE!!

      While I neither confirm nor deny Lipping's response.. How did you only pay the principal? this really makes no sense since the insurance should have covered the pay off balance, unless you did not carry the required amount of insurance.
    14. G

      Open accounts

      Ok, I have a top consumer advocate attorney office in OK who is interested in my FDCPA & FCRA case against Asset Acceptance on 1 of my accounts that is over 7 years past last payment. I will be meeting with them this week once I get all of my paperwork together. The other account held by asset...
    15. G

      Credit card collection via CA

      No it is not true that the most they can collect is the original credit limit. In NC, the SOL is 3 years http://community-2.webtv.net/Y-Chat/WhyChatsCredit/page34.html
    16. G

      Privacy

      JETX is correct, however, collection agencies on a daily basis file time barred lawsuits on "open accounts" using the written contract statutes of limitations as their basis. In that case, you will need to be able to show the judge that they are wrong. Correct answers, facts, and laws often make...
    17. G

      Privacy

      1) If you can argure and win that a credit card (open account) is not a written contract, the account is past SOL. If you lose that argument, they have about 2 weeks to file. In some states a payment without bringing the account current does not reset the SOL. www.creditboards.com 2) They pulled...
    18. G

      Answering Summons and Debt Validation

      The statute of limitations on this action in Georgia is 4 years from which the cause of action arose. Your request for validation should be in a separate letter. Do not put off filing your answer waiting for a response. Affirmative defenses should be raised in your initial pleading (answer) so...
    19. G

      Need Credit advice -- major debt problems

      http://www.ftc.gov/bcp/conline/pubs/buspubs/infopro.htm 6. Reporting Delinquencies -- Section 623(a)(5). If you report information about a delinquent account that's placed for collection, charged to profit or loss, or subject to any similar action, you must, within 90 days after you report the...
    20. G

      Open accounts

      What is the name of your state? Ok Open accounts As most states have no specific SOL provisions for “open end credit plan” as defined by the TILA, the applicable statutes of limitations for many states seem to be up for interpretation. The general response seems to be that since the TILA...

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