Monday, October 13, 2008

[creditwrench newsletter] Re: Debt Collection Discovery Requests

I feel safe in saying that if one were to file a rico case against a
debt collector or attorney they would be more likely to settle out of
court than take it all the way to a full blown trial. But that is also
true in almost any other type of federal case but to claim there would
never be a record of it is dead wrong. The case(s) will always be on
Pacer for all to see. The actual terms of settlement would not be
there however because of confidentiality agreements.

Proving a fraud upon the court is not likely to get any results. In
fact, your complaint is not likely to even get heard.

The fact that a 3rd party debt collector sued in the name of the
original creditor is not a fraud upon the court. In fact, the U.S.
Supreme Court has ruled that it is perfectly acceptable for an
assignee to do that. But there is a huge difference between an
assignee and a junk debt buyer. The Supremes said it was OK for an
assignee to sue in the name of the original creditor but said nothing
about junk debt buyers so who knows whether the JDBs were included or
not. Arguments about holders in due course, Parties of true first
interest and all of those types of arguments have traditionally failed
and will most likely always fail in the future. The only notable
exception to that may be in mortgage foreclosure cases. That sceneario
is still unfolding and in fact I may have discovered a new bombshell
to throw into that arena as well as into the credit card cases. Of
course, there are still several other bombshells that will soon be
exploded on the mortgage meltdown battlefield. The $700 billion
bailout will soon prove to have had exactly the opposite effect that
which was intended. It will not improve the stability of the money
markets or the banks but rather will soon trash the entire economic
system and quite possibly on a global scale.

Yes, I do feel that they have an ironclad case against you and I
assure you that any arguments or defenses you raise in any local court
will fail no matter who tells you differently. You can file motions to
vacate arguably void judgments until the sun falls out of the sky and
you will most likely lose every time. On top of that you may well end
up getting sanctioned in some way as a vexatious litigant yet it may
well be that you will have to file a couple of such motions in order
to come up with
new causes of action which you could use to take them to federal
court.

You ask whether or not one should argue the proposition that if they
have no contract they have no case and whether or not that is an
argument that I advocate using. The answer is that yes, that is quite
often a necessary argument but only because one must argue something
or stand mute before the court and take one's lumps which is what is
going to happen no matter what one argues. Sometimes those arguments
do work but the odds are against the defendant no matter what his
defense might be. Plaintiffs have traditionally lied to the courts and
won their cases no matter how preposterous their claims might be. One
must fight against almost unsurmountable odds regardless of the
outcome. This economic meltdown is going to get so bad that people
will be getting sued in ever increasing numbers. If I were to be sued
for a credit card default or anything else I would go in expecting to
lose no matter what I argued or what trick I employed trying to win. I
would lose no matter what I did or said. But I would also have a
carefully prepared federal case against the lawyer. I would have all
of their violations carefully documented. As soon as the debt
collector turned the case to an attorney I would immediately file a
federal case against the debt collector then start going after
violations by the attorney and once the local case was over I would
then file a federal case against the both of them. Both cases would
most likely be settled out of court. I would lose in local court and
win in federal but the only way that can be done is by having a
careful record of their violations they can't argue their way out of
any more than I could in local court. The only realistic reason for
filing motions to vacate is to give them the opportunity to provide me
with fresh causes of action in federal court.
Even if they get a judgment and proceed to garnishment I will then be
able to get more causes of action in the garnishment hearings and
subsequent proceedings. Just because they have a garnishment in place
does not mean they cannot violate. In fact that is a fertile field in
which to generate more violations, more causes of action.

You speak of SOL defenses. Those can be good arguments if they are
actually valid but once they have a judgment in place your SOL
arguments are all down the tubes even though they might turn out to be
your cause of action in federal court. Judges typically won't listen
to SOL arguments unless you can prove when you made your last payment
to the creditor beyond any shadow of a doubt.

Again, at this point in time I have no idea whether you have any
causes of action or not and I am not advocating that you do anything
until you do have. I do not advocate filing rico cases because they
are fraught with many problems and are risky at best. They can be won
but I think only by well experienced attorneys who really know what
they are doing. Certainly not by pro se litigants who have no such
experience. As to motions to vacate void judgments, I'm sure that
thousands have been filed all across the land due to the preachings of
Richard Cornforth and many
of his followers but the record of success has been dismal indeed. It
is likely that less than 1 percent have ever been successful. So
let's forget about what Richard Cornforth or anybody else teaches or
has said and move forward to either finding causes of action or
generating some in the future.


On Oct 13, 4:42 am, Lisa Angle <lisaangle0...@yahoo.com> wrote:
> Well if Richard is your friend your friend also says that when you file a rico case debt collector attornys settle out of court maybe that is why?!
> If they settle out of court there will never be a record of it.
>
> I agree I have no hope unless I can find away to prove fraud upon the court that the debt collector attorneys were not suing for Citibank which is what your whole program is sold on. The problem is I have not been able to find away to prove they bought the debt. Seems like they can lie or hide that well if that is what they are doing.
>
> Consumer attorneys are out their who and they put on their website they are experienced in the FDCPA believe me when they tell me something I will go to the law library and research what they say to make sure they are telling me the truth.
>
> So let me understand this completely what you are saying is that with the information I have provided thusfar you feel they have an iron clad case against me. Now do you think they were suing for Citibank not themselves?
>
> Your pleading for court in new york stated a whole different view point and yet you feel you are going to win!!!! They could not produce a signed contract said I had made the agreement on the phone. Is that not in your pleading NO CONTRACT no case. I have to admit this is all very confusing to be fair to Richard on each of those points in your pleading; standing, no written contract, etc etc has anyone won?????
>
> your right it is starting to go that way going to court doesnt seem like you have a very good chance of winning after they get a judgement..... Unless they serve you imporperly and you can raise th SOL!!!!!!
>
> Thank you
> Lisa
>

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[creditwrench newsletter] Re: Debt Collection Discovery Requests

Well if Richard is your friend your friend also says that when you file a rico case debt collector attornys settle out of court maybe that is why?!
If they settle out of court there will never be a record of it.

I agree I have no hope unless I can find away to prove fraud upon the court that the debt collector attorneys were not suing for Citibank which is what your whole program is sold on. The problem is I have not been able to find away to prove they bought the debt. Seems like they can lie or hide that well if that is what they are doing.

Consumer attorneys are out their who and they put on their website they are experienced in the FDCPA believe me when they tell me something I will go to the law library and research what they say to make sure they are telling me the truth.

So let me understand this completely what you are saying is that with the information I have provided thusfar you feel they have an iron clad case against me. Now do you think they were suing for Citibank not themselves?

Your pleading for court in new york stated a whole different view point and yet you feel you are going to win!!!! They could not produce a signed contract said I had made the agreement on the phone. Is that not in your pleading NO CONTRACT no case. I have to admit this is all very confusing to be fair to Richard on each of those points in your pleading; standing, no written contract, etc etc has anyone won?????

your right it is starting to go that way going to court doesnt seem like you have a very good chance of winning after they get a judgement..... Unless they serve you imporperly and you can raise th SOL!!!!!!

Thank you
Lisa

--- On Mon, 10/13/08, Creditwrench <creditwrench@gmail.com> wrote:

> From: Creditwrench <creditwrench@gmail.com>
> Subject: [creditwrench newsletter] Re: Debt Collection Discovery Requests
> To: "Creditwrench" <creditwrench@googlegroups.com>
> Date: Monday, October 13, 2008, 12:40 AM
> Richard Cornforth says file a Rico case? OK. But how many
> such cases
> has he won? I know Richard very well as a personal friend
> but still,
> how many Rico cases has he ever won or even taught anyone
> else how to
> win? None! That's how many. Bud Hibbs says take the
> judgment to a good
> consumer advocate? Where will you find one of those?
> I'm not telling you that you can file a federal case
> and win. You
> might if you have at least one valid cause of action that
> you can
> prove. You are not going to get the judgment overturned in
> local court
> and you aren't going to get a federal court to overturn
> it either. All
> I'm trying to do is see if we can find a viable cause
> of action and
> until that can be done you should not be worried about
> going to court.
> There will be time for that if and when we come up with
> some good
> causes of action that are still within the statute of
> limitations.
> So let's quit worrying about Richard, Bud or any
> lawyers. If you don't
> have a cause of action you aren't going to go anywhere.
>
>
> On Oct 12, 10:41 pm, Lisa Angle
> <lisaangle0...@yahoo.com> wrote:
> > Notary was colleen McConnel whos commissioned expired
> Oct 11, 2008 which my case was heard in 2006.(Its not hard
> to become a notary though)  They had no idea I was going to
> dig up the number and call.  I used a calling card, pay
> phone and asked for Pam Davis they sent me to her office and
> gave me an extension.  Yet I have to admit I never talked
> to her personally as what was I going to say?  The company
> was Citicorp Credit Servicss Inc.  I called the state
> liscensing place, they had info.  How I got the number to
> call them actually, and newspaper web site with stories
> about them.  The better business place.  I did as much
> digging as I could come up with in my mind and had no luck
> at proving anything fraudulant.  Then check out the website
> of the lawyers, they make quite a big claim as a debt
> collector law firm the name was Spotts and Fain from
> Richmond virginia.  Yet I still think something is a miss
> as Citibank got a judgement and charged off the
> >  acoount, then Spotts and Fain passed the torch to
> another law firm next to Washington DC..... They claim
> Citibank hired them.  Somewhere I read that if you called
> the credit card company that after they charged off a debt
> they would say you owe them zero dollars.  They did not
> tell me that when I called very recently (September I
> believe)  I am not trying to challenge your word with these
> emails just trying to find out how to Prove with hard
> evidence what you are saying before I go back to court.
>  Another point is that you say you can win if Federal Court
> but if you bring a frivolous case to federal court you go to
> jail.  The State court saw it as frivolous.  I tried
> looking up these type of court cases in Federal court which
> is in Downtown Norfolk and have found NOTHING
> published...... from the state of Virginia location....
>  Sorry once bitten twice shy in this court business....
>  Richard Cornforth says you have to bring a Rico Case
> against them.  Bud
> >  Hibbs says go to a Consumer Lawyer with the
> judgement  I am not sure at theis point what to do.  
> >
> > --- On Sun, 10/12/08, Creditwrench
> <creditwre...@gmail.com> wrote:
> >
> > > From: Creditwrench <creditwre...@gmail.com>
> > > Subject: [creditwrench newsletter] Re: Debt
> Collection Discovery Requests
> > > To: "Creditwrench"
> <creditwrench@googlegroups.com>
> > > Date: Sunday, October 12, 2008, 8:00 PM
> > > Pam Davis, eh? Well who was the notary then? Who
> notarized
> > > that
> > > affidavit? So what name did they answer the phone
> by when
> > > you called
> > > them? Who is this supposed subsidiary of the CC
> company?
> >
> > > So the judge don't like Pro  Se litigants,
> eh? Well
> > > nothing unusual
> > > about that. It is very difficult for pro se
> litigants to
> > > win in local
> > > court but pretty easy for them to win in federal
> court.
> >
> > > On Oct 12, 5:36 pm, Lisa Angle
> > > <lisaangle0...@yahoo.com> wrote:
> > > > one they sent valadation supposedly the
> photo copies
> > > of the credit card slips which I know was not
> legal now
> > > really then the affidavit from one Pam Davis who
> Works for
> > > subsidary of the credit card company which is
> supposedly
> > > where the Credit Card company sends there debt
> collections
> > > stating  the copies were from CC company and she
> was
> > > notorizing it to that fact.  The notary stamp
> was from
> > > Missouri and so was Ms. Davis I tried to do my
> research
> > > called the company she worked for and found that
> she was
> > > there. It was a subsidiary of the Credit Card
> company....
> > >  The Miranda you mean that this is from a debt
> collector
> > > etc etc etc.  It is on all correspondance.
>  They did send
> > > the first letter and I did ask for verification
> and they
> > > sent the affidavit and the slips then filed it in
> the court.
> > >  When I went to court my biggest mistake was I
> went into a
> > > General District court quoting case study and you
> cannot
> > > when at that level on case study.  They only had
> an oral
> > > >  contract with me and I thought I had it
> nailed but
> > > the judge through the book at me and threatened
> to put me in
> > > jail...  He did not like pro se litigation and
> definately
> > > has a relationship with the attornies that go in
> there..
> > >  You truly do not get a fair trial in this
> state....  Bud
> > > Hibbs gave me the tip on the consumer lawyer and
> they work
> > > for the naca I think.....  Claim they are
> familiar with the
> > > FDCPA and The truth in lending act and on and
> on.....As for
> > > why go to the law library my answer to that is I
> have a
> > > retired lawyer librarian friend there who helps
> me with
> > > stuff and looks at papers and talks to me that is
> why.  
> >
> > > > --- On Sun, 10/12/08, Creditwrench
> > > <creditwre...@gmail.com> wrote:
> >
> > > > > From: Creditwrench
> <creditwre...@gmail.com>
> > > > > Subject: [creditwrench newsletter] Re:
> Debt
> > > Collection Discovery Requests
> > > > > To: "Creditwrench"
> > > <creditwrench@googlegroups.com>
> > > > > Date: Sunday, October 12, 2008, 5:20 PM
> > > > > The affidavit should be more than
> enough to get
> > > the job done
> > > > > if it
> > > > > contains any false and misleading
> information
> > > which most of
> > > > > them do.
> > > > > The first thing to look at in analyzing
> > > affidavits is to
> > > > > look at the
> > > > > notary and the seal to see what state
> the notary
> > > is located
> > > > > in. If the
> > > > > notary is not from your home state then
> it was
> > > probably
> > > > > generated by
> > > > > the debt collector. So who is the
> notary in your
> > > case, what
> > > > > state is
> > > > > the notary from and who is the affiant?
> So they
> > > never sent
> > > > > you any
> > > > > letters, but rather just filed the
> lawsuit on
> > > you, eh? That
> > > > > may be
> > > > > another violation if they did not have
> the full
> > > miranda
> > > > > warning on the
> > > > > complaint. If the full miranda was not
> on the
> > > complaint
> > > > > anywhere did
> > > > > they have a letter in your hands within
> 5 days of
> > > the
> > > > > service of the
> > > > > summons upon you? If not then you have
> another
> > > violation.
> > > > > There are
> > > > > many more ways to get violations.
> >
> > > > > You guess you need to find a consumer
> attorney?
> > > Where are
> > > > > you going to
> > > > > find a good one that knows what he is
> doing?
> > > There
> > > > > aren't many of
> > > > > those out there so if you want to get
> the job
> > > done you have
> > > > > to learn
> > > > > how to do it yourself and that is what
> I teach.
> > > And why do
> > > > > you want to
> > > > > waste time going to the law library to
> look up
> > > the FDCPA
> > > > > when it is
> > > > > readily available on the web?
> >
> > > > > On Oct 12, 9:40 am, Lisa Angle
> > > > > <lisaangle0...@yahoo.com> wrote:
> > > > > > ok well these attorney's never
> called me
> > > not even
> > > > > once only sent letters.  They brought
> a witness
> > > to court
> > > > > and an affidavit so they never
> testified as
> > > attornies are
> > > > > not allowed to testify in a court for
> the cc
> > > company.  No I
> > > > > cant figure out how to use the FDCPA
> under these
> > > > > circumstances but I guess next step is
> to try a
> > > consumer
> > > > > attorney who is specialized in the
> FDCPA....  I
> > > will try to
> > > > > go by the law library and read the
> FDCPA to see
> > > if I can
> > > > > find anything.....    
> >
> >
>
>


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