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    1. M

      Cop forgot to sign summons

      What is the name of your state (only U.S. law)? Colorado I am a bartender in a small town. I recently was issued a summons for over serving a man that was not visually impaired. I served him a shot and a beer. He had finished drinking his drink and was waiting for a friend and was not...
    2. M

      Possible judgment/marital property

      What is the name of your state (only U.S. law)? Illinois Divorce was final in March. Marital home is occupied by exwife, exhusband pays mortgage, house is owned by both until it sells and equity can be split. Exwife was in an accident that may result in a lawsuit/judgment. Is exhusbands...
    3. M

      Credit Card Charge Dispute

      What is the name of your state?CO I am taking a trip to Chicago next week. I thought I was to fly in to Midway. I had not purchased my ticket yet but found a good rate on a rental car through Hotwire so I reserved it. Well I find out I need to fly in to Ohare. So I went to cancel the...
    4. M

      Can't seem to find the answer to this...

      What is the name of your state?CO Citibank attorneys snuck in a default judgment against me (improper service). I recently got it vacated and have a pre-trial conference set for the end of the month. The judge would like all settlement options exhausted by this time. Heres the ??? The...
    5. M

      Subpoena for Deposition in 4 days.

      Hahahahahahahaahha, excuse me while I pick myself up off the floor!!! No credit card company, nor there attorneys are EVER going to provide a consumer with any records of accounting. For if they did it would prove their own fraud! The most he'll get out of the bank or their attorney is a...
    6. M

      Caliber

      What is the name of your state? You and I seem to be on the same page, would you email me so we can speak off the boards? :) eelimak@yahoo.com
    7. M

      Cash Settlement % on Judgement

      Go to www.creditinfocenter.com they have information on debt settlement and negotiation on their site
    8. M

      Improving credit score

      Go to www.creditboards.com they'll tell you exactly how to do it. You don't have to pay anyone to clean up your credit you can do it yourself.
    9. M

      Fraudulant Charges

      You may want to start by officially disputing the charges with the cc co IN WRITING!!!!! Be sure to explain and send proof that the address they've been sending the bill to is not your address and that you are a vicitm of fraud. They will try and say that youdidn't dispute the charges within...
    10. M

      Need help in Florida

      Ladynred is right on about the SOL and your last payment. I believe the date opened does have something to do with your credit reports. It's called re-aging (and it is illegal). They do it to be able to continue to report negatively with the credit bureaus. Go to www.creditboards.com to find...
    11. M

      writ of execution...PLEASE HELP!!!!

      Why is mystic wrong? Doesn't the FRCP Rule 60 apply....wouldn't judgment be void due to defendant never being served? I ask because the judge will be deciding my Motion on Tuesday. I was never served and I have material fact to argue my case.
    12. M

      credit card contract in writing

      I'd be very interested in hearing your reasons. Prove to me what I believe IS wrong!
    13. M

      Englishrose

      Case Law The following is taken from Citiabnk Vs. Mincks.... The regulation dealing with a consumer's right to correct billing errors is 12 C.F.R. Section 226.13. The regulation dealing with a consumer's right to assert claims and defenses is 12 C.F.R. Section 226.12. The Official Staff...
    14. M

      heard that a debt be removed from credit report if sold to collection agency

      Go to www.creditboards.com. They will show you how to get inaccurrate AND ACCURATE items removed. Yes it can be done and they can show you how. Many disputes with the bureaus start with debt validation...you can read about that at www.creditinfocenter.com. They can also help you clean up...
    15. M

      credit card contract in writing

      In a court of law the burden of proof is on the Plaintiff. I do not have to prove that I don't owe the debt...THEY have to prove that I DO. The only thing they can provide as evidence (in my case) is a form letter affidavit that holds NO credibility, a contract with no signature and a...
    16. M

      credit card contract in writing

      I am not an attorney...I am an individual fighting a credit card company pro se. The information I provide here is knowledge obtained researching and speaking with others who have gone before me in a lawsuit with the cc co's The plaintiff has to have a cause of action. The complaint should...
    17. M

      Can I do anything???

      I'd look into overdraft protection to prevent something like this from happening again.
    18. M

      Credit Card Problem..

      How does the bank lose?! They didn't pay the merchant with their money? In order for a contract to be binding both parties have to be at risk. How is the at risk when they never put up any of their own money? I won't argue that people are responsible for paying their debts but what the Banks...
    19. M

      mother on fixed income paying deceased husbands credit card at 25% interest

      Most cc co's have a hardship program. They'll freeze the account, it will accrue no interest or fees and she can work towards paying it off. If it isn't a joint account and she is only an authorized user (this is solely my opinion and what I would do given the circumstances, use it as you see...
    20. M

      Ex-husband ruining my credit report.

      I agree go to www.creditboards.com also go to www.creditinfocenter.com. I sure as heck wouldn't pay off my ex's debt but that's up to you. Discover is aggressive and if they did decide to sue (check your SOL's), I would imagine you'd be named a party to the suit. There are ways to dispute...

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