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    1. T

      Could this be phone harassment? Privacy issue?

      What is the name of your state? IL First, I'm sory if I posted this in the wrong place. I wasn't sure where this should go. My question is: Ever since we move into this house in May 2001and got our phone connected, we have been getting phone calls for the people who had our phone number...
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      Bigun, Ladynred & Jetx - Court Update

      What is the name of your state? IL Hi Bigun, ladynred and jetx! Sorry it took so long for me to give you an update. I had court 11/17 and had my expired sol as evidence to get the case dismissed but the lawyer for the ca dropped the case and doesn't plan on refiling. Just wanted to thank...
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      BIGUN, JETX, LADYNRED & KEVINSS -Just had court

      What is the name of your state? IL First off, BIGUN, JETX, LADYNRED & KEVINSS: Thanks for all your help. I really don't know what I would have done without your assistance. I had court yesterday and they set a trial date. I tried to get the case dismissed based on expired SOL but the judge...
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      Charge-off question

      What is the name of your state? Illinois I'm being sued by a CA for an old credit card debt - amount 1287.06. The only validation I've been sent are 2 statements from 1997. Using the statement from 7/97 ($1050.46) and adding the interest of 20.20% (which is what that statement used), I come...
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      Validation period has passed?

      I'll do what you suggested and I'll let you know how it all pans out Monday. I've had the TILA in with my court documents already as I thought they'd pull that too. I really hope this will be the end of it. If all else fails, I can always hope to go into labor and be granted a continuance :D...
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      Validation period has passed?

      Thanks again Ladynred. One last question: When I show up in court on Monday, should I request the case be dismissed because of the Plaintiff's refusal to verify the debt and add that the reason they aren't verifying is because that SOL has expired and the court can't enforce a judgement? In...
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      Validation period has passed?

      Thanks Ladynred - you're wonderful as always. A few questions: Where can I find the Spears v. Brennan case? Also, I have found IL's SOL for open accounts to be 5 years on most websites but 6 years on 1 also. How do I find out which is reight. Either way, I'm outside 6 years too but if it is...
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      Validation period has passed?

      What is the name of your state? Illinois I was served a summons in July for a court date of 8/11. This is a very old debt where I suspect an expired SOL as my defense. Anyway, I requested validation of debt 7/19. At court on 8/11 the case was postponed until 9/15 because they hadn't validated...
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      SOL defense for credit debt - update and new question

      Bigun - No luck with the attorney. I just got a letter from them stating, "It is our conclusion that we must turn down your case. This decision is not based on an evaluation of the strength of your claim, but rather on our firm's ability to assist you." Yeah, right! They mean they can't win...
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      Validation of debt questions

      Thanks Kevinss. My concern was that they would come up with some fictitious payment and it would be my responsibility to prove that I never made that payment.
    11. T

      Validation of debt questions

      It says Charge off as of 12-1999 - 5-2000, 10-1999 I know this is wrong. I know for certain that I didn't pay anything in 1999 or later and the cosigner was out of state and said he never sent them anything either. In fact, I've been contemplating having my bank go back 6 years and print off...
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      Validation of debt questions

      Thanks Ladynred. In the lawyer's defense (not that he deserves it), his letter didn't call this validation. It just said that they were forwarding statements from NCO. I pulled all 3 reports but this debt is only being reported to Experian.
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      What can I do now?

      Thanks for your help CBG. I wasn't able to find that IL has laws for under 15 employees. It just seems to me that there should be something employees of very small companies can do when they're being mistreated. I worked with his useless daughters who came and went as they pleased and got...
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      Validation of debt questions

      What is the name of your state? Illinois I was served a summons in July for a court date of 8/11. This is a very old debt where I suspect an expired SOL as my defense as well as a possible countersuit for re-aging. Anyway, I requested validation of debt 7/19. At court on 8/11 the case was...
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      What can I do now?

      What is the name of your state? Illinois I recently quit my job becasue my boss was verbally abusive and was making inappropriate comments about my pregnancy. He told me the week before I quit that I wouldn't be allowed to return to work after I delivered my baby because "kids get sick and I...
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      SOL defense for credit debt - update and new question

      Bigun - I saw your mention of "discovery". There were 2 lawyers arguing a case before mine and "discovery" was mentioned (sorry I couldn't hear everything that was giong on) and the judge said that there is no "discovery" in small claims court. Does that seem right? JETX - Thanks for...
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      SOL defense for credit debt - update and new question

      Bigun - I don't see NCO Portfolio Management (which is the CA listed as Plaintiff) listed on either site but I do see NCO Financial System Inc. - don't know if they are the same. I'll contact the lawyers you suggested and see what they say. As for NCO's lawyer, No, he didn't say when I would...
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      Received a summons HELP!!!

      FYI I was in court this past Monday in DuPage County. Capital One is suing everyone as I heard their name come up repeatedly in case after case. Most defendents didn't show up so a judgement was made against them - don't make that mistake. If you have no defense and actually owe the money...
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      SOL defense for credit debt - update and new question

      What is the name of your state? Illinois Just wanted to see if I could get a few answers...I wrote back in the end of July regarding a summons to appear in court for an old credit card debt. Here's the link...
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      SOL defense for Credit Debt?

      Thanks again JETX I have sent the validation request using the sample letter (and I added a request of complete payment history) CRRR to both the attorney and the CA. I have also spoken to the cosigner who said that he was living out of state until recently and that he hasn't had any contact...

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