debt or not. None whatever. Attorneys attempting to collect a debt are
3rd party debt collectors whether they bought the debt or not. You
must learn the law iorder to make FDCPA law work for you. It is
obvious that you have not learned the law, what it says and how to
apply it to the immediate circumstance whatever it might be. First
thing is to have your recording process in place and ready to use at a
moments notice. You also need to have your caller I.D. working and
calls that don't show the name and number of the caller should be
ignored. Don't even pick up the phone. All calls to your home phone
should be call forwarded to your cell phone. That is because most cell
phones will allow you to put a name to each number that calls you so
you will know instantly who is calling you and debt collectors will
only get one chance to call you before you nail them with your caller
I.D. system. Even if they are a huge corporation with many different
phone lines you will soon have them all labeled and know instantly who
they are when they call. That's not so you can evade their calls but
so you can get your recording equipment turned on before you pick up
the phone. You should have a good digital voice recorder with you on
your person at all times just like you should have a decent digital
camera with you at all times in case of vehicle accidents. Keep your
batteries fresh and keep spare batteries for both with you at all
times. The reason is that if the call is from a debt collector your
memory will not recall everything they said or didn't say. You will
need to be able to review the call later so you can analyze it for
every possible violation and get them written down on paper and on
your computer as well. Write the contents of the call violations in
your word processor and then print out a copy and keep it in a folder
for the day you will need it all. My message board at http://consumers.creditwrench.com
has many articles written by attorneys which will teach you all you
need to know about FDCPA and FCRA violations and your rights under the
law. New articles come in every day. So keep up with the latest. No,
the situation is not hopeless. Far from it.
On Oct 11, 11:00 am, Lisa Angle <lisaangle0...@yahoo.com> wrote:
> That would be great but I have not figured out how to prove the debt collector attorney bought the debt after they have a judgement. They sued me before the credit card company charged off. Then every lawyer says even if they chardged it off the credit card company has a right to sue you for the debt and just pay the insurance claim back. Which doesnt seem logical that they would care if the insurance company got there money or not. They had a supposedly cc employee there. They had a affidavit of the Collection Department employee of the CC company to testify to absolutely nothing. AND they have standing to sue me here because this is where I reside.... A few lawyers I know said the debt was assigned not bought or sold...... Does that mean there is no hope??????
>
> --- On Fri, 10/10/08, Creditwrench <creditwre...@gmail.com> wrote:
>
> > From: Creditwrench <creditwre...@gmail.com>
> > Subject: [creditwrench newsletter] Re: Debt Collection Discovery Requests
> > To: "Creditwrench" <creditwrench@googlegroups.com>
> > Date: Friday, October 10, 2008, 6:35 AM
> > Persoally I don't think so. I'd far rather catch
> > them in violations of
> > FDCPA and take them to federal court then negotiate from
> > there. Works
> > much better.
>
> > On Oct 8, 6:02 pm, Lisa Angle
> > <lisaangle0...@yahoo.com> wrote:
> > > is it smart to negotiate a judgement
> > lisaangle0...@yahoo.com
>
> > > --- On Wed, 10/8/08, Replevin
> > <AR.Consu...@gmail.com> wrote:
>
> > > > From: Replevin <AR.Consu...@gmail.com>
> > > > Subject: [creditwrench newsletter] Debt
> > Collection Discovery Requests
> > > > To: "Creditwrench"
> > <creditwrench@googlegroups.com>
> > > > Date: Wednesday, October 8, 2008, 1:28 PM
> > > > Hello,
>
> > > > I received a summons in July from a law office. I
> > answered
> > > > the summons
> > > > within the 30 days allowed in GA.
>
> > > > On September 16th I received a Plantiff's
> > Discovery
> > > > Request packet
> > > > dated for September 9th. On September 24 I
> > receieved a
> > > > letter from the
> > > > law office dated September 8th stating they had
> > received
> > > > my filed
> > > > answers and they wanted to discuss the matter in
> > further
> > > > detail; and
> > > > that their client does not wish to cause me any
> > unnecessary
> > > > inconvenience.
>
> > > > My question is do I have to answer the original
> > > > Plaintiff's Discovery
> > > > Request and which date do I use to calculate the
> > 30 days
> > > > stated in the
> > > > Plaintiff's Discovery Request for my response
> > to the
> > > > interrogatories,
> > > > request for admission and request to produce
> > documents?
>
> > > > Thank you and this forum is great. As my schedule
> > changes I
> > > > plan to
> > > > meet you all on the Friday teleconferences.
>
>
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