Creditnet | BLog

2004-09-19T16:30:00.000-07:00

Re: Re: Does Lexinton Law own Creditnet?

CRDTNogood | 110 posts since Jul 2004 24.5.240.213 | 09.18.2004 @ 21:54

ha ha.

I thought I read somewhere a post that said,

Hiding90=KayKay29 or BillBauer

Anyways... This industry is amazing. I'm at the stage that I'm forking out filing fees to get some movement on some files...

CRDTNogood
-----------------------------------
07/09/04: EQ-579 EX-570 TU-562
07/13/04: EQ-586 EX-581 TU-562
07/17/04: EQ-577 EX-606 TU-593 REAL FICOS

2004-09-16T05:46:00.000-07:00

In the collection biz news AGAIN

tiger00 |

Interesting article:

http://www.collectionindustry.com/columns/article.cfm?article_id=32

Funny how they make most things seem as "frivolous", but a serious about face in the following quote:

quote:
In my last column, I had mentioned that I had joined one of the more popular consumer boards with the thought that I could learn and that I could teach. Well, I learned a lot, but it was very difficult to teach anything. On many occasions, I would post a message on a thread, basically pointing out where the consumer was mistaken about his/her interpretation of the FDCPA and that he/she didn�t really have a case to pursue against an agency. I even backed up my posts with facts, not just opinions. In every situation, I was greeted with comments such as, �What do you know?� or �You are a collector so of course you wouldn�t think that there was a violation� or �I don�t care what you think, you are wrong and I am going to sue.� Just so you know, I stopped posting over there!

Regardless of the resistance that I received, I still learned quite a bit. I saw that many of the consumers that either want to sue or that are suing agencies have a legitimate belief that the agency did something wrong. I also saw that many of the situations came about based on a technical mistake that was made by the agency and also, the technical mistake could have been avoided. Even if the lawsuit isn�t successful, it will still cost the agency something in the long run, even if it�s just time. As we know though, time is money.

Oh, yea..been gone a while. Down to 4 boo boos on the report, with 2 different accounts. One is in small claims right now, the other soon to be erased.

<--------------------------------------------------------------->
..\ Freedom is a road seldom traveled by the multitudes /..
....\----------------------------------------------------------/....
At the start of the journey...
7/30 EQF->619 Today 637
7/30 EXP->594 Today 606
7/30 TnU->??? Today 615

In the collection biz news AGAIN

Shanyl |

Sounds like KayKay. (CA that use to troll here)

Shanyl

"Motivation is like a fire; unless you add fuel, it goes out."

2004-09-05T08:20:00.000-07:00

I don't understand
here again |

I claimed account not mine for Arrow Financial. It came off my credit report. I have a letter from them I received last month collecting a debt. If I am getting letters from them to collect, why did it come off my report?

I don't understand

goldhummin

Uh...because you were lucky?

You really didn't give enough details to make an informed comment on this, but sometimes the OC/CA just doesn't get around to reponding to the CRA within the 30-day deadline, and it falls off as a result.

I don't understand

Shanyl |

No no no... it was the eany meany miney mo game.

Shanyl

"Motivation is like a fire; unless you add fuel, it goes out."

2004-08-27T16:48:00.000-07:00

lbrown59 | 17783 posts since Feb 2001

http://forum.freeadvice.com/forum.php?f=84

Folks what is your opinion on this sight.?

There is a poster over on fairdebtcollection who is really putting us down and knocking Credit net .
What do you think of what that poster is saying there on fairdebtcollection?

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Special for newbies ------ Read these links
http://consumers.creditnet.com/stra...0243#post410243
*** Victims of Credit Reporting ***
http://members.aol.com/Score.html

They never take it off the report when we make it right so why should we take it off the docket when they do?

2004-08-25T04:31:00.000-07:00

Judgment Vacated! Now what?

soup |

I agree w/ the poster above, never send anything to the CRA's........especially legal paperwork.....did you read any of the top sticky threads? You many have just bit yourself in the butt w/ deletion, which is what you really want....maybe someone can offer some real advice on where to go from here....

7-25-04
Equifax Fico 658
Experian 690
Trans Union 652

From PG 8-18-04
Equifax 642
Experian 632
TransUnion 633

2004-08-22T12:58:00.000-07:00

being countersued by CA for 14K hel

quigs |

Fellow creditnetters I need your help. A year ago I was getting repeated phone calls from a CA and sent c/d letter. After proof they recieved it, they continued to call me for about a month after. I have caller ID photos of it. Hired an attorney and filed in federal court. He stated it was the best case he had ever seen as far as documentation. We lost. Judge through out the case before we went to trial. So we were a little sad about this. But today I get a call from my attorney saying that the defense attorney has made a motion to countersue for attorney fees and court cost in the amount of 14k. What can I do? I am so scared at this point. I have little faith in my attorney!!! I thought they couldn't countersue if it was a legitimate complaint.. I appreciate any advice folks, thanks ..

Re: being countersued by CA for 14K hel

quigs |

Judge said that she didn't think that the CA was deliberatley calling. We had sent a c/d letter and had proof that they recieved it. They continued calling both human and automated machine leaving messages on our answering machine. This continued for at least a month after we sent the letter. We had very good pictures of their number on called id. They denied that they had called and said that wasn't their number. No catches to this case, nothing Im not including, just as simple as can be and the judge didn't even let this go to trail. I am very concerned to the fact that we never got a chance to go to trial. The judge is totally against the consumer in this district. Thats fine I can stand to lose and have moved on, but having to pay the C/A attorney fees of that amount is absolutley nuts!!!

Butch I'm going to email you right now..

quote:
Originally posted by quigs
Fellow creditnetters I need your help. A year ago I was getting repeated phone calls from a CA and sent c/d letter. After proof they recieved it, they continued to call me for about a month after. I have caller ID photos of it. Hired an attorney and filed in federal court. He stated it was the best case he had ever seen as far as documentation. We lost. Judge through out the case before we went to trial. So we were a little sad about this. But today I get a call from my attorney saying that the defense attorney has made a motion to countersue for attorney fees and court cost in the amount of 14k. What can I do? I am so scared at this point. I have little faith in my attorney!!! I thought they couldn't countersue if it was a legitimate complaint.. I appreciate any advice folks, thanks ..

-Not to make an example out of you, but this is a great example of rushing into suits without covering all your bases. This was an arguement a long time ago with Lizardking. He used the court as a playground and felt there was no consequences.

-There are VERY FEW attornies in the country who practice "consumer credit report" law. It is hard to find a good one.

-GO TO THIS WEBSITE http://stopcollectionharassment.com/

-Use the contact/email function to get a "consultation". He is one of the top consumer credit attornies in the country. He works closely with the Lyons' who have set many a precident in consumer credit cases, many of their cases are cited in here.

ps-he just won me $$$ against Allied Interstate for the exact same violations. (They mailed letters and didnt even call)

quote:
Originally posted by quigs
Rushing into a suit? You have no idea how much time and effort was put into this case. Please do not comment about what you don't know.

-Apparently NOT ENOUGH :)

-Joking.....I wasnt referring directly to YOUR case. It was a comment on a discussion about cases filed by Lizardking in which HE RUSHED into them and filed "just to see what happens."

-I had warned THERE ARE consequences to filing suits that are not well researched, consequences like being countersued. Him, and many others, said "THAT NEVER HAPPENS!"

-I offered a referral to a competent attorney because you said you lost faith in yours. If you are so "thin skinned" about comments to your posts, dont post :)

-Additionally, if your attorney wanted to present "pictures" of a called ID machine as evidence of phone calls, you may want to concider researching his credentials. :)

Again, Good luck!

quigs |

I wouldn't say thin skinned, maybe you just come across wrong and are unaware of it. However, I did not come here to get in a pi**ing match with you, I came here for answers to a situation that I feel could be answered by some very competent and experienced folks. I know someone here has to know whether or not this would even fly on the defendents side. Under the FDCPA you have to either be frivolous in suit or harassing, there is no way I was doing either of those two. Just merely going by the laws afforded to me by the FDCPA. These folks clearly broke the rules. I thought the whole reason for the FDCPA to be enacted was to afford regular consumers protection from absusive collection agency practises? Although I feel I have seen it all, it remains to be seen what will happen. I appreciate any comments or similiar experiences..

2004-08-21T05:59:00.000-07:00

--> Learn Your FCBA

bbauer | 03.08.2003 @ 06:11

That is truly an outstanding post Butch. Now we can get busy and figure out how to use it to our best advantage.

First of all it is obviously necessary that we need our trusty computers and a program such as visicalc, Multiplan, Microsoft Excell or any other suitable program. Since we have to make this easy for everyone we will probably need to start with something simple such as Multiplan. I started learning how to use Multiplan back about 1983. I didn't really want to go back to college to learn it so I spent about a month straight day and night until I could no longer hold my eyes open to learn it. Of course, Excel is much more sophisticated than Multiplan ever thought of being so either a business school course or maybe 3 or 4 months at the key board learning it should get the job done with no problem.

Once we know how to work the program we only have to either learn how to do double entry bookkeeping or take a college course in accounting principles. No big problem either. Then we can sit down and go back through several years of those billing statements carefully analyzing each and every one of them to be sure each entry complies with FCBA. Of course one of the benefits is that in the process we would become expert in the ins and outs of FCBA as well.

One little hurdle that comes to mind in an otherwise facil solution to all our problems. When would we ever have time to post on Creditnet or worry about our credit ratings?

Once we get buried in all those college courses and endless days and nights our families might think of us much like poor old Charlie who got lost in the Boston Subway System and was doomed to ride forever on the MTA.

Ah well, not to worry about such trivial matters.

There most assuredly is one very interesting point in David's words of wisdom however. That is this little tid-bit.

CREDIT REPORT ERRORS: MORE OFTEN THAN YOU THINK!

A 1989 study by Consolidated Information Services, a user of
credit reports, found an error rate of forty-three (43%) percent in
a random sample of 1,500 reports reviewed. A survey by Consumers
Union found that forty-eight (48%) percent of the credit report
sample contained inaccurate information.

Strangely enough those are almost the same exact statistics that are quoted as being the approximate success rate of both consumers and credit repair companies alike when attempting to "fix" credit reports.

Seems to me that it would just be a whole lot simpler to just go mudwrestling with the pigs if that will apparently get you the same success rates as a couple of college degrees and endless days and endless nights of study. Either way one seemingly just gets lost on the MTA.

Seems to me that there has to be more to life than mudwrestling with pigs or getting lost forever on the rails of the FCBA.

Of course, there are a few tricks that can probably be learned from it but there are much better things to work with than that.

Bill Bauer
ceo@creditwrench.com
http://www.creditwrench.com

--> Learn Your FCBA

Butch | 03.09.2003 @ 16:38

Sunday Bump

Butch,

"Fire is the test of gold, adversity of strong men".
-----> CREDITNET FAQ!
--> ArtOfCredit.com
--> What Is Validation! | Learn Your FCBA! | Rule Of "72" And Your Score!

--> Learn Your FCBA

julesh | 07.09.2003 @ 18:17

BUMP

This post contains a lot of valuable info. - thanks, Butch. I'm giving it a bump in hopes that other "newbies" will give it a read!

Julesh

julesh

Scores...Jul '03........Aug '03
EQ.......590(PG)......578(PG)
EX.......620(CE)......631(CE)
TU.......549(TU)......??

Butch | 01.11.2004 @ 19:40

Bumping for Nub.

:)

Good convo. anyway.

.

Butch,

"Fire is the test of gold, adversity of strong men".
-----> CREDITNET FAQ!
--> ArtOfCredit.com
--> What Is Validation! | Learn Your FCBA! | Rule Of "72" And Your Score!

--> Learn Your FCBA

jam237| 07.13.2004 @ 13:55

I can not believe that this hasn't been bumped since January.

*bump* for CRDTNogood
http://consumers.creditnet.com/stra...7893#post427893

--
jam
An educated consumer.
Why Time Barred C&D = Delete

Re: --> Learn Your FCBA

Butch | 07.13.2004 @ 18:27

quote:Originally posted by jam237
I can not believe that this hasn't been bumped since January.

*bump* for CRDTNogood
http://consumers.creditnet.com/stra...7893#post427893

I agree with ya Jam.

There are MANY great threads which no longer get attention.

Unfortunate

.
Butch,

"Fire is the test of gold, adversity of strong men".
-----> CREDITNET FAQ!
--> ArtOfCredit.com
--> What Is Validation! | Learn Your FCBA! | Rule Of "72" And Your Score!

Re: --> Learn Your FCBA

jam237 | 07.13.2004 @ 20:32

Do you have any advise on CRDTNogood's situation? :)

--
jam
An educated consumer.
Why Time Barred C&D = Delete

Re: --> Learn Your FCBA

fun4u2 | 07.15.2004 @ 02:02

bump great info butch :)

Re: --> Learn Your FCBA

Butch | 08.21.2004 @ 07:05

Time 2 bump

:)

Butch,

"Fire is the test of gold, adversity of strong men".
-----> CREDITNET FAQ!
--> ArtOfCredit.com
--> What Is Validation! | Learn Your FCBA! | Rule Of "72" And Your Score!

2004-08-17T16:45:00.000-07:00

John Gliha's Debt Elimination

Mahamuni | 3 posts since Aug 2004

68.101.170.39 | 08.17.2004 @ 02:28

Has anyone had any experience going thru this process and using this method? Please share whether positive or negative. I am considering it and any comments would be very helpful.

Thanks!

Do or Do Not...there is no try!

John Gliha's Debt Elimination

sassyinaz | 2656 posts since Jan 2002

63.11.160.157 | 08.17.2004 @ 03:16

A simple search on Gliha will answer that straight away. But, if you're considering paying him, you'll not like the answers.

Sassy

John Gliha's Debt Elimination

Mahamuni | 3 posts since Aug 2004

68.101.170.39 | 08.17.2004 @ 03:29

I didn't see any negative remarks on the web. Did you mean on this board?

Do or Do Not...there is no try!

2004-08-13T05:40:00.000-07:00

Nice try!

charline |

I have 3 items on Equifax that are incorrect. All 3 accounts have last activity dates of 2004 and all 3 were discharged in bankruptcy 3 years ago.
I sent dispute letters and yesterday received a response from Equifax. They sent a generic "it looks like you are using a credit repair service.....yada yada yada".
They also had a long printout enclosed which warned me that "most companies do not keep records over 24 months and disputing a 30 day late might cause the account to be purged thus resulting in a drop in FICO score etc". *LOL* The letter also stated that they would verify the information once and then it would be up to me to contact the creditor and get it straightened out etc*LOL*

2004-08-12T11:21:00.000-07:00

Lee Harrison Credit Restoration

shameen29 |

Anyone ever heard of Lee Harrison Credit Restoration?

Re: Re: Re: Re: Lee Harrison Credit Restoration

vghost |

This is one awesome thread, lbrown ... how come it's not even in the "Hall of Fame"?
.

[FCRA Reference] [Creditnet Glossary] [Law Archive]
____________________________________________________________________________
There's a lot of things you never see and you don't know you don't see em
'cause you don't see em. You gotta see something first to know you never saw
it. Then you see it and say, "Hey, I never saw that." Too late, you just saw it.

Re: Lee Harrison Credit Restoration

BytemeCA |

OUCH! $850 -- $1500 for husband and wife???

WoW! That's alot of money!

Re: Lee Harrison Credit Restoration

sahlegian |

why is his Better Business Bureau report deplorable , it says he makes promises he cannot keep. does not honor his satisfaction garuntee, and makes empty promises, and if you dont believe me check it out yourself at www.bbb.com

Re: Lee Harrison Credit Restoration

sahlegian |

why is his Better Business Bureau report deplorable , it says he makes promises he cannot keep. does not honor his satisfaction garuntee, and makes empty promises, and if you dont believe me check it out yourself at www.bbb.com

Re: Lee Harrison Credit Restoration

sahlegian |

Amazing how that paid advertiser just re appeared outta no where. I guess the law library at the Corpus Christi Jail does have internet access. Oh well enjoy your incarceration, i hope some inmate makes u his biotch LEE.

2004-08-09T04:06:00.000-07:00

Suze Orman Show

StacyPA|

I encourage everyone to watch this show. She is a financial
advisor and gives some GREAT information. There are
always people on the show, and who call into the show in
our situation and she gives some good advise. Her show
comes on Saturdays from 8pm and 9pm. Its two shows,
then it reruns from 11pm and 12am. Shes on CNBC.
She also has a great website. www.suzeorman.com

Butch |

quote:Originally posted by StacyPA
She is a financial advisor and gives some GREAT
information.

I'm a Financial Planner also.

Although it's true, she does give good advice
regarding planning issues, she's dummer'n a box
of rocks regarding Credit Reporting.

I've sent her 8 letters so far, over the past year.
Have received ZERO response.

Sorry.
:)
.
Butch,

"Fire is the test of gold, adversity of strong men".
-----> CREDITNET FAQ!
--> ArtOfCredit.com
--> What Is Validation! | Learn Your FCBA! | Rule Of "72" And Your Score!

2004-08-08T20:35:00.000-07:00

Re: credit cards with lousy credit.

cartagena1 |

well iam sorry for not being as perfect as you .
i taught that this was a place were you ask for help and thats all
i was asking for. i guess if we lived in a perfect world we wouldnt
have websites like these so people like your self can shine &
feel so tough .who is the real weiner now

2004-08-05T05:36:00.000-07:00

Get Quoted in a Major Travel Mag.!

CardRating |

A reporter is working on an article about premium credit cards and the travel benefits that they offer for a premier national travel magazine. She would love to talk to people who have the MBNA WorldPoints or Quantum cards, the American Express Platinum or Centurion cards, a Diner's Club or Diner's Club International Carte Blanche, or any of the World MasterCards or Visa Signature cards.

If you have any of these cards and have used them--or tried to use them--for travel-related benefits, please contact me at asap. The reporter is working on a tight deadline. Thanks very much!
_________________
Best Regards,
Curtis Arnold
Board Monitor
U.S. Citizens for Fair Credit Card Terms, Inc.
http://www.cardratings.com
501-663-0314 PH
501-301-8474 FX

2004-08-05T05:16:00.000-07:00

playground time

fun4u2 |

getting ready to go to court again but this time its not for peanuts.

need a lawyer willing to play hard ball and step into the playground of the federal court system.

does anyone know first hand from experience or by word of mouth any attorney in Ca that has the time to litigate a great FDCPA and FCRA case?

the sites I have used in the past haven't been much help to me recently, I am looking for a referral based on personal experience or word of mouth.

any help would be appreciated.

thx fun :)

Col. K0rn |

Have you tried www.naca.net? This is where I got my lawyer from, and we are going to Fed. Court.

Try www.westcoastlitigators.com. I got that off of Bill's site.

<><><><><><>
From what I have seen and heard lately, I'm afraid that common sense is indeed, not common.

3/25/04 Hey, you gotta start somewhere
TU 543
EXP 534
EQ 529

Col. K0rn

Tamberlee |

I have talked with the folks at West Coast Litigators as well. They are great for California cases. There were good to help me out here in Colorado, and had several attorney's in this area in this field to help.

From what I gathered, they are very aggressive.

Good luck!

~~~ JANE!!! Get me off this crazy thing!!! ~~~

Oh, and because I was feeling oblique:
"Ignis aurum probat, miseria fortes viros" Basically an encomium and a thanks!

playground time

fun4u2 |

thx 4 your responses :)

I did contact 2 attorneys from NACA one referred me to another as he was not taking on any new clients, the other attorney said he was too buzy I would have to wait another month becore he could even file the case.

I taked to a lawyer from lawguru but he has no jurisdiction for fed court.

I will try the other site you recommended thx again appreciate the help

2004-08-03T20:42:00.000-07:00

jenz | 980 posts since Nov 2003 66.41.15.154 | 08.04.2004 @ 03:44

i call verizon wireless inquiring about phone service. i asked if i could put a deposit down instead of a credit check because i want to buy a house next year and i am trying to limit inquiries.

this girl tells me that she used to work for equifax and inquiries only stay on your report for 90 days. i tried to argue with her citing i am in the mortgage industry and i guarantee that isn't true. she goes so far as to swear on her life it is 90 days. i told her i would think about it and to give me the name of her replacement since she won't be alive to help me when i call back...

2004-07-30T20:39:00.000-07:00

Re: The New 7.5 Yr. Reporting Period!

sassyinaz |

nawwwwwwww Edwin, you will only read yourself AND everything
BUT the FCRA, ya know, that plain language statute.

Check this thread and count the number of participants --
Croft doing excruciatingly detailed (and unbiased) research
in the National Archives isn't even enough for you.

NOT biting, this thread and the conclusions stand on its own.

Sassy

2004-07-25T07:47:00.000-07:00

trendy | 10 posts 68.49.17.100 |

This post relates to my original post entitled "AN INVITATION."
Perhaps you should read this one first then go onto "AN INVITATION."
and tell me what you think i should do.

Opinions needed pt.1:

Goals (in order of importance) as of today 6/28/04:

1) To avoid being sued by JDB(s) ---which leads to -----avoiding
judgment(s) on credit reports. Basically goal #1 boils down to
avoiding judgment(s) at all costs. (Note: I am judgment proof on paper)
a) In my state, anything above $2,500 cannot be tried in
small-claims court----therefore counter suing, “turning suit into
a settlement,” etc. would have greater effect? (all my purported
“debts” alleged by the JDB’s are supposedly over $2,500)

2) To avoid paying because of the belief, on my part, that I did
not make the debt with the JDB, therefore I should not have to pay.
a) the Original Creditor already got their money/”payoff” when the
JDB bought the debt. (the fact that they sold it for pennies on the
dollar is not my problem. At least, that’s how I feel.)

Situation:
I had an account with First USA which charged off on or approximately
on May ’02. Apparently, great Seneca/unifund had purchased it on or
approximately on October ’03 and, wonder of wonders, has retained
wolfpoff and abramson as their collection attorneys. The original debt
with 1st usa is above $6,000 but below $8,000. After great Seneca has
tacked on “interest,” the supposed amount of “debt” they are claiming
is over $10,000. Last payment on this account was approximately
September ’02 when the debt was still under 1st usa.

I DV’ed them(W+A) in October ’03. [I don’t remember if the DV was for
the amount, or for total debt (“not mine”)] I have not kept good records,
but this aberration on my part has recently changed. They did not return
validation until about March 23 and the validation was a computer
print-out---no contract.

Since about March 23rdish, they, wolpoff, have been calling my parent’s
house on a daily basis, sometimes 3 or 4 times per day using their
automated computer system. I have enabled call blocking on the phone
so as soon as they call it gets rejected. The feature does, however, retain
caller i.d., both time, date and who called and their ph#, so recently I have
begun keeping track on paper. I do not think they, wolpoff, know what is
going on yet as far as the phone system is concerned. (Additional Note:
My true address on paper—DMV and tax records, is NOT at my parent’s
house even though I have moved back in with them in order to improve
cash flow. Wolpoff knows my true paper address---they haven’t put 2 and
2 together yet and realized the ph# number they are calling does not
match the true paper address.)
Also, they have been calling my cell and an almost daily basis—sometimes
3 or 4 times per day.

3) Eventual Goal may be to clean up credit report. Thus do you feel
settling is a viable option? If a small enough amount can be negotiated
then begrudgingly, I am willing the settle (at a fraction of the purported
debt, of course) in order to make the matter disappear. If a lawsuit does
arise, settlement would probably be inevitable given constraint/goal #1
above—I am trying to avoid having a judgment entered on my credit report
at all costs.

Forget about #3 for a minute,
Now the question(s) is/are, given goals #1, and #2 above:

A) Given the constraints/goals of #1 and #2 above what is the best
course of action? Please describe fully and in great detail.

B) Given the situation as described above, what would you, personally,
do and why? Again, please be very detailed and describe fully.

C) Given the constraints/goals of #1, #2, AND #3 above what do you feel
is the best course of action? Yes, once again please be very detailed---
I’m not an expert here; My profession has nothing to do with legal
or financial matters.

AN INVITATION PT. 2---"a situation"

clc | 103 posts since Jan 2004 152.163.252.165 |

trendy, trend-e, trendie,
Given all your various nicks that you post everywhere I fully expect that living and working in Oklahoma is your best bet.

As you already live in Oklahoma with your parents (at your age BB it is amazing they're still alive).

Now why don't you answer all your own questions and post it on your bloggie.

Instead of a prize why don't you just quit charging for your "lessons" and give this trend-e, trendie and/or trendy depending on which board you're posting on at the time) the "free advice" that he so desperately needs. Maybe you can go back to CI.com and see what your buddies there think.

My "rsvp" to your invite is "NO" as I have much better things to do than to get into long argumentative threads with you.

clc

2004-07-23T13:19:00.000-07:00

Re: Re: Re: Re: estoppel & CA

lbrown59 |

quote:Originally posted by Col. K0rn
Ignore that post.

Can't do it.
This hain't the ignore thread .
lol

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Special for newbies ------ Read these links
http://consumers.creditnet.com/stra...0243#post410243
*** Victims of Credit Reporting ***
http://members.aol.com/victcrdrpt/Score.html

They never take it off the report when we make it right so why should we take it off the docket when they do?

Creditnet | the undeniable truth

2004-07-20T05:40:00.000-07:00

Re: Re: Re: : ignor

lbrown59
|

|

07.20.2004

quote:
Originally posted by Hedwig
I thought this thread had been ignored.

RITE but It can't be denied.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Special for newbies ------ Read these links
http://consumers.creditnet.com/stra...0243#post410243
*** Victims of Credit Reporting ***
http://members.aol.com/victcrdrpt/Score.html

They never take it off the report when we make it right so why should we take it off the docket when they do?

Creditnet bans all T-Mobil users nationwide.

2004-07-16T22:06:00.000-07:00

Creditnet bans all T-Mobil users nationwide.
Creditnet banned all T-Mobile users from ever posting on Creditnet today in an attempt to rid Creditnet of one unwanted poster who is a debt collector. ...
consumers.creditwrench.com/creditnetbansT-Mobil.html - 13k - Cached - Similar pages

www.google.com

2004-07-16T11:18:00.000-07:00

Re: Re: Re: estoppel & CA

jam237 |

Fun, ya missed all the fun... :)

KayKay the CA was unmasked. :)

KayKay29=bbauer

You gotta love the great detective minds here... :)

--
An educated consumer.

2004-07-16T06:38:00.000-07:00

Re: Re: Ya gotta LOVE CA's... :)

jam237 |

Picture the CA as Bart Simpson writing on the blackboard...

Wollman is NOT our friend...
Wollman is NOT our friend...
Wollman is NOT our friend...
Wollman is NOT our friend...
Wollman is NOT our friend...

:)

--
An educated consumer.

Average dropping?

2004-07-15T21:37:00.000-07:00

Re: Re: Re: estoppel & CA

Col. K0rn |
why are you posting a response to a banned person? Average dropping?

<><><><><><>
From what I have seen and heard lately, I'm afraid that common sense is indeed, not common.

3/25/04 Hey, you gotta start somewhere
TU 543
EXP 534
EQ 529

Col. K0rn

2004-07-15T20:03:00.000-07:00

Re: Re: Re: Re: Re: Help me find something

lbrown59 |

quote:Originally posted by kaykay29
I think I am in a mental institution. All of the available evidence points to that conclusion. LOL You should go back to the 9th post in this thread to see where that came from.

My guess is that she's trying to switch hats...poking around to see what strategies we are coming up with. Heck, the only thing she needs to do is read the freaking law...

Col. K0rn
Col. K0rn Every time I try to help I get slammed by inmates who all seem to hate CAs. [/B]

Every time I try to help I get slammed by inmates who all seem to hate CAs
KK29
***************************
I just can't see why folks don't love them ,Snicker
Never read the fine print. There ain't no way you're going to like it. NEW MEMBERS READ THIS.
http://consumers.creditnet.com/stra...0243#post410243
************************************************************

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
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http://consumers.creditnet.com/stra...0243#post410243
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They never take it off the report when we make it right so why should we take it off the docket when they do?

Straight Talk > PUBLIC FORUMS >> Credit Talk >> Help me find something to dispute!

Showing Posts:

Re: Re: Re: Re: Re: Help me find something

lbrown59 |

quote:Originally posted by kaykay29
I think I am in a mental institution. All of the available evidence points to that conclusion. LOL You should go back to the 9th post in this thread to see where that came from.

My guess is that she's trying to switch hats...poking around to see what strategies we are coming up with. Heck, the only thing she needs to do is read the freaking law...

Col. K0rn
Col. K0rn Every time I try to help I get slammed by inmates who all seem to hate CAs. [/B]

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They never take it off the report when we make it right so why should we take it off the docket when they do?

Help me find something

lbrown59 |

Truthfully, I feel uncomfortable when I read your attempted help. I mistrust your intentions. I don't hate anyone. I do get tired of trying hard to work things out in my financial life and getting blocked again and again by others trying to make a buck on my misfortune (CAs). They lie to me, and will not accept anything less than full payment and the list goes on.

Can you help my understand why you are not like all the others and somehow feel motivated to "help" here?
goldhummin
================
Nice post.

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They never take it off the report when we make it right so why should we take it off the docket when they do?

Re: Re: Re: Re: Cease and desist sample letter??

kaykay29 |

quote:Originally posted by ontrack
If the sub defaults, and the GC covers, do you report anything negative against the GC to D&B, or whoever?

The leasing company does but I don't.

I don't fight with anybody. If you want to pick fights go join the army.

Re: Re: Re: Re: Cease and desist sample letter??

lbrown59 |

NEW MEMBERS READ THIS.
http://consumers.creditnet.com/stra...0243#post410243
************************************************************

1*I know that Bill Bauer knows how to file lawsuits on attorneys and win them kaykay29

Never read the fine print. There ain't no way you're going to like it.

Your BF found that out the hard way didn't he?
=============================
1*I don't think you are the only CA to find that out.

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They never take it off the report when we make it right so why should we take it off the docket when they do?

Re: Re: Re: Re: Cease and desist sample letter??

lbrown59 |

NEW MEMBERS READ THIS.
http://consumers.creditnet.com/stra...0243#post410243
************************************************************

Most debtors don't have that kind of knowledge and are afraid to even go to court.
=======================
another flaw with d fault judgments.

Never read the fine print. There ain't no way you're going to like it.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Special for newbies ------ Read these links
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They never take it off the report when we make it right so why should we take it off the docket when they do?

Re: Re: Re: Re: Cease and desist sample letter??

lbrown59 |

NEW MEMBERS READ THIS.
http://consumers.creditnet.com/stra...0243#post410243
************************************************************
1*If you don't know how to go to court and win against a seasoned attorney then you will not be able to choose not to work with collection agencies and get away with it.
2*If the creditor sends you to a CA and refuses to talk to you then what can you do but deal with the CA?
============================
1*Seems like your bf ran into a consumer who knew how to do it.
*also lawyers aren't permitted in small claims courts.
2*Thwy're easier to deal with than an oc so who cares.
Never read the fine print. There ain't no way you're going to like it.
******************************************************
NEW MEMBERS READ THIS.
http://consumers.creditnet.com/stra...0243#post410243
*******************************************************
>

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
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http://consumers.creditnet.com/stra...0243#post410243
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They never take it off the report when we make it right so why should we take it off the docket when they do?

Re: Re: Re: Re: Re: Re: Re: Re: Re: estoppel & CA

bigmouth | 1 posts since Jun 2004 24.243.34.125 | 06.18.2004 @ 03:05

Please forgive the impertinence of this noob, but in the interest of putting things in perspective, consider:

The Empowered Credit Consumer (ECC) hates the CRA's because CRA's depend on the ignorance of their prey (oops, is my bias showing?) to lead the prey into traps, at which time the CRA's feel justified in punishing the prey for their stupidity/ignorance.

The CRA's hate the ECC's because the ECC's depend on the ignorance (charitably described) of the CRA's to lead them (CRA's) into traps, at which time the ECC's feel justified in punishing the CRA's for their stupidity/ignorance.

Apparently, the same tactics are used by both parties, no? WRONG! The difference here is that the CRA's are obligated by law to follow the rules of law, and in the ideal world are morally obligated to follow the spirit of the law (this applies to ECC's as well). From my lurking, it seems clear that the majority of CRA's depend on ignorance to enable illegal activity, while the majority of the ECC's operate within the rule and spirit of the law. Also, I have to say that I find it nectar and ambrosia sweet that "amateur" ECC's can routinely trounce CRA "professionals" in the latter's very own neighborhood playground. This is one aspect of the great truth of the human condition: that perseverence and purpose in a just cause can overcome all obstacles -- it's just a matter of time.

llbrown et. al have my unabashed admiration for their efforts, which reflect some of the best traits of the human condition. All I can say for the CRA trolls who sow confusion, is Matthew 18:3-7 "Except as ye be converted, and become as little children, ye shall not enter into the kingdom of heaven. Whosoever therefore shall humble himself as this little child, the same is greatest in the kingdom of heaven. . . . But whoso shall offend one of these . . . it were better for him that a millstone were hanged about his neck, and that he were drowned in the depth of the sea. Woe unto the world because of offences . . . woe to that man by whom the offence cometh"

Don't get me wrong-- I'm as secular as the next guy, just relatively well read. What I understand from the above passage is that those who seek to take advantage or do harm to others have the best chance of achieving their goals when they can create confusion or mislead their intended victims, and that these tactics should rightly be considered reprehensible by any standard.

Keep up the good work, people. Sorry once again for this unsolicited soapbox rant.

Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: estoppel & CA

leadhead | 27 posts since Mar 2004 152.163.252.165 | 06.18.2004 @ 13:14

quote:Originally posted by kaykay29
No, the case has a nondisclosure in it. It was in court and the defendant decided to settle it before the decision was actually reached by the court. So there is a non-disclosure in effect.

That's BS! It would be better off for you to say, "I'm just kidding. I don't even have a boyfriend".

Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: estoppel & CA

billt1227 | 62 posts since Aug 2003 65.129.20.246 | 06.21.2004 @ 04:34

kk, the ca, i won a $billion in a court case but it has a non-disclosure so i can't tell ya, LOL. if i told you i would have to k--- you, you know what i mean.

Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: estoppel & CA

kaykay29 | 154 posts since Apr 2004 66.94.16.65 | 06.21.2004 @ 04:48

quote:Originally posted by billt1227
kk, the ca, i won a $billion in a court case but it has a non-disclosure so i can't tell ya, LOL. if i told you i would have to k--- you, you know what i mean.

Oh Honey, you so sweet to me.

I got the honey if you got the money.

I don't fight with anybody. If you want to pick fights go join the army.

Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: estoppel & CA

jenz | 965 posts since Nov 2003 66.41.15.154 | 06.21.2004 @ 05:17

quote:Originally posted by kaykay29
He won't make that much. The law firm will get 60%. He was the lead attorney and there were 5 other attorneys under him so they all get their cut too.

so lets see...$233MM and the law firm gets 40% ($93,200,000)...the law firm gets 60% ($55,920,000) which leaves $37,080,000 for 6 lawyers ($6,180,000 apiece) AND YOUR POSTING ON A FREE CREDIT REPAIR WEBSITE???

Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: estoppel & CA

jenz | 965 posts since Nov 2003 66.41.15.154 | 06.21.2004 @ 05:20

BTW - i hope the company that settled doesn't find out your boyfriend violated the non-disclosure agreement.

Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: estoppel & CA

kaykay29 | 154 posts since Apr 2004 66.94.16.65 | 06.21.2004 @ 06:25

quote:Originally posted by jenz
so lets see...$233MM and the law firm gets 40% ($93,200,000)...the law firm gets 60% ($55,920,000) which leaves $37,080,000 for 6 lawyers ($6,180,000 apiece) AND YOUR POSTING ON A FREE CREDIT REPAIR WEBSITE???

OOPS! You forgot about IRS and the state income taxes.

I don't fight with anybody. If you want to pick fights go join the army.

Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: estoppel & CA

fun4u2 | 764 posts since Apr 2004 66.214.52.107 | 06.21.2004 @ 07:57

anything else ...?

all that is left is mere pocket change maybe if he is lucky he will be able to pay his own bills never mind the $ lost in the suit.

KK I am not fimilar with the entire story just niblets here and there in regards to this suit is the entire firm responsible for the violation and the costs for the judgment or just your BF? just curious

Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: estoppel & CA

kaykay29 | 154 posts since Apr 2004 66.94.16.65 | 06.21.2004 @ 08:14

quote:Originally posted by fun4u2
anything else ...?

all that is left is mere pocket change maybe if he is lucky he will be able to pay his own bills never mind the $ lost in the suit.

KK I am not fimilar with the entire story just niblets here and there in regards to this suit is the entire firm responsible for the violation and the costs for the judgment or just your BF? just curious

[quote]

Sorry Hon. He don't discuss what goes on with his work much and I don't push him about it. We got other things to talk about when we are together anyway.

I don't fight with anybody. If you want to pick fights go join the army.

Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: estoppel & CA

fun4u2 | 764 posts since Apr 2004 66.214.52.107 | 06.28.2004 @ 09:15

KK
seems like you discussed plenty before with him and shared alot of info on this board guess the subject is closed now?

Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: estoppel & CA

leadhead | 27 posts since Mar 2004 152.163.252.165 | 06.28.2004 @ 13:38

You're right fun.

Liars like KK will always try to skirt around a subject that they're lying about.

Also, I believe there would have been some kind of coverage if a settlement like she made up really transpired.

Re: Re: Re: estoppel & CA

lbrown59 | 17084 posts since Feb 2001 205.188.197.31 | 07.15.2004 @ 21:09

__

NEW MEMBERS READ THIS.
http://consumers.creditnet.com/stra...0243#post410243
************************************************************
I know what I would do with the estoppel letter if I ever got one.

I'd immediately turn the account over to my attorney and the estoppel letter with it and tell him to be sure to include it in evidence before the court and let the judge laugh his a$$ off.
1*That would be the best evidence ever that you tried to defraud your creditor.
2*I'd also have the full proof of the debt there in front of the court and that way you couldn't say you never got validation.
kaykay29
======================
1*How would it be defrauding your creditor?
2*How does that prove you gave it to the consumer?

__________________

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They never take it off the report when we make it right so why should we take it off the docket when they do?

Re: Re: Re: estoppel & CA

lbrown59 | 17084 posts since Feb 2001 205.188.197.31 | 07.15.2004 @ 21:10

__

NEW MEMBERS READ THIS.
http://consumers.creditnet.com/stra...0243#post410243
************************************************************
I know what I would do with the estoppel letter if I ever got one.

I'd immediately turn the account over to my attorney and the estoppel letter with it and tell him to be sure to include it in evidence before the court and let the judge laugh his a$$ off.
1*That would be the best evidence ever that you tried to defraud your creditor.
2*I'd also have the full proof of the debt there in front of the court and that way you couldn't say you never got validation.
kaykay29
======================
1*How would it be defrauding your creditor?
2*How does that prove you gave it to the consumer?
__________________

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They never take it off the report when we make it right so why should we take it off the docket when they do?

2004-07-13T17:28:00.000-07:00

lbrown59 |

quote:Originally posted by georgiaboy
Looks to me as if that forum could use a wee bit of help answering questions.

That board is a useless joke.
Rikers is an arrogant Smart A** who thinks he knows it all.

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They never take it off the report when we make it right so why should we take it off the docket when they do?

2004-07-13T12:12:00.000-07:00

Re: Re: Re: KayKay29=bbauer

Butch |

In reality board members are loath to put much stock in what is said by one who has been here for 2 years and has 10 posts.

Being here for a short time is no biggy. Having a limited # of posts is no biggy either. But when you see someone who's been here BOTH for a long time and has no history ... well do the math.

LOL

Butch,

"Fire is the test of gold, adversity of strong men".
-----> CREDITNET FAQ!
--> ArtOfCredit.com
--> What Is Validation! | Learn Your FCBA! | Rule Of "72" And Your Score!

Re: Re: Re: KayKay29=bbauer

Hedwig |

Look at his 10 posts, too. Not much meat there. But he's been out of the country, supposedly.

_________________
The Answer is 42!!

Re: Re: Re: KayKay29=bbauer

cinderella |

Lol, I read dato's post and wandered if that was possibly another alias for BB.

Hi BB....nice to see some things never change.

___________________________
Tugging at my skirt:
"Mommy mommy, how much is that canary in the window?" my cat

Re: Re: Re: estoppel & CA

fun4u2 | 07.17.2004 @ 20:25

how did that come about KK = BB ?

what kind of twisted postings did that accomplish he was bashing himself?

one might think someone has a split personality disorder .

was the posting deleted off CN when he/she was banned?

Re: Re: Re: estoppel & CA

jam237 | 1406 posts since May 2003 205.188.209.5 | 07.17.2004 @ 20:32

That was the pure brilliance of it, since KK was seen by some as a 'troll' bashing BB would actually be a + if you think about it... :)

Plus, while there were posts bashing BB, there were other posts recommending him, so who knows what the mental process was... :)

Plus there were punctuated links to BB's other sites, which were classic BB (the original) post give-aways, those links were deleted, so if you try to see the evidence now, you won't be able to see it. :)

--
jam
An educated consumer.

2004-07-12T20:16:00.000-07:00

?? Different Poster New Name ??

lbrown59 |

MDX vs RX330 vs BMW X5

omamia | 1 posts since Jul 2004 24.12.145.172 | 07.10.2004 @ 20:34

I've had both, the old body RX330 and BMW X5.

1. The X5 is fast and slick looking but will change to a much harder ride in a year or so, and is VERY unreliable. Mine was in the shop every second month, and finally I got one month payment credit for my troubles. Couple of my friends have had similar problems, and they couldn't wait to get rid of it...

2. The RX330 is the most reliable SUV in 2004 in its size (according to consumer reports), and is easier to drive and is more maneuverable, and quite fast also. It is more maneuverable with the old body style though. Buy a used one - you won't regret...

Bad-Credit-Advisor.com

A-50-C

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They never take it off the report when we make it right so why should we take it off the docket when they do?

2004-07-12T17:58:00.000-07:00

Re: KayKay29=bbauer

CCN steve | 94 posts since Jan 2003 10.0.0.1 | 07.12.2004 @ 21:10

Linking punctuation to another site is sometimes effected in order to boost ones standing within the Google search listings. Google, in particular, bases its results upon how many other sites link to the site in question. Using Creditnet for that purpose is not unlike any other type of unauthorized promotional activity. The links described by Gib within this thread were removed as a result.

kaykay29's posting history was also reviewed, including the posting logs which document IP accesses, and we have confirmed that this member is indeed the other individual mentioned. Moreover, a fair amount of circumstantial evidence was reviewed that would suggest such relatedness, including claims of being financially injured by the former member on the one hand as well as direct recommendations on the other, not to mention a bevy of direct links. Regardless, the action taken against the "kaykay29" account today was based only upon documented hard evidence. In this regard, please note that Creditnet is a privately owned web site, and access is not automatically conferred or guaranteed.

CCN steve

The CREDITNET HALL OF FAME OF BANNED PERSONS.

2004-07-11T16:36:00.000-07:00

Great Credit Repair Handbook !!

synthetik | 1 posts since Jul 2004 65.164.52.2 | 07.11.2004 @ 20:34

Don't pay a "Credit Repair Artist" several hundred to several thousand dollars to do what you can do on your own! They can't do anything for you that you can't do for yourself for $12.95!

Our Credit Repair Manual details the truth about credit reporting and the best countermeasures available to recover credit worthiness. The information in the guide represents over 15 years of research and experience in the field of credit improvement. This is the VERY information the credit repair companies use at a fraction of the cost!! I have witnessed my own credit score increase and negative items removed by following these exact cut-throat methods and example letters in the guide.

YOU CANT AFFORD NOT TO USE THIS GUIDE!!!!!

send $12.95 SynthetikEnt~aol@seznam.cz

or email for address if you need to send money order
Don’t Forget to Include shipping address.

2004-07-10T17:49:00.000-07:00

georgiaboy |

Looks to me as if that forum could use a wee bit of help answering questions.

But wait! they have BBauer,,umm then again Yep, like I said, they could use a bit of help.

Just because your paranoid, dosn't meen there not out to get you.

Why pay a BILL for creditrepair.

KayKay29=bbauer

gib |

I'm really surprised no one has gotten this yet. Just look at the posts and you can see it.

Stay tuned, more to come. I do have conclusive proof BTW.

Gib

.....And miles to go before I sleep.
=========================
Art Of Credit

Re: KayKay29=bbauer

kaykay29 | 155 posts since Apr 2004 66.94.16.65 | 07.10.2004 @ 18:52

quote:
--------------------------------------------------------------------------------
Originally posted by gib
I'm really surprised no one has gotten this yet. Just look at the posts and you can see it.

Stay tuned, more to come. I do have conclusive proof BTW.

Gib
--------------------------------------------------------------------------------

LOL

I don't fight with anybody. If you want to pick fights go join the army.

Re: KayKay29=bbauer

gib |

Glad to see you find it amusing Bill.

Gib

.....And miles to go before I sleep.
=========================
Art Of Credit

2004-07-10T10:24:00.000-07:00

Re: Re: Re: Critical UPDATE ->

sassyinaz |

quote:Originally posted by Butch
LOL

Mahon did not lose his case just because Credit Bureau of Placer County waltzed into court and said;

"Yes your honor, we did sent the notice".

Under your logic ALL these types of cases would not need to be heard. They would just summarily judge against the consumer every time because, well after all, the adversary said so.

Maybe you need to go read it.
,

Mahon, actually makes my point beautifully.

.

I'm not understanding the tone of your post, Butch, LKH didn't offer any logic or a personal opinion, only added a link for discussion and said he wasn't sure he agreed but that it was to further the discussion.

You've re-written and assumed what a staff opinion letter says, actually changed entirely what it says, no link, based on what you've decided a cover letter "probably said."

Reference case snippets, no link.

How is anyone supposed to use them with no confirmable source????

But you laugh and cop and tone when someone wants to participate and offers something to discuss that is on topic and that you yourself brought up.

Butch said will get everyone as far as Hiding said, and you know it.

But, I'm thinking, based on your initial post, discussion wasn't really what you had in mind, you've already decided.

2004-07-09T02:27:00.000-07:00

chargeoff

bbgirl49 |
I had a loan with a creit union that they said was charged off. I was never notified and the cu was accepting payments from me continuously. I got a call from collection co of america saying that the account had been sent to them. I called the cu to see why ihad not been notified and was told that they did not have to notify me and that i needed to deal with the collection agency now. Can you negotiate a amount and payment plan with a collection agency. the amount is 19,000 and isf you can do that how much does a payment have to be and can a length of time be negoiated.

help!

Chargeoff

2004-07-07T19:58:00.000-07:00

clc |

If you like junk food and one egomaniacal, psychologically disturbed poster whose long, boring, name calling, stupid, redundant and self soliciting threads which are full of wind but make no worthwhile sound, then that's the place to lurk

The CAs that post there seem just like the idiots we have to deal with all day long.

The credit boards' surgeon general advises that this site could be hazardous to your health. Warning: while reading CI.com do not operate a vehicle or heavy equipment.

2004-07-04T09:55:00.001-07:00

PLease post your best letters

PsychDoc |

Word to my old homies:

"Bobby"

Same syntax, spelling, grammar.

Doc

P.S. Sorry to be mysterious. If this makes no sense to you, kindly disregard, and I promise not to post cryptic remarks again for another year. :)

.
.........................................................
resource: Who Pulled My Credit?...
http://groups.yahoo.com/group/whopulledmycredit/ <-·´¯`·.¸¸.·´¯`·.¸¸.·´¯`*

2004-07-04T09:55:00.000-07:00

2004-07-03T18:18:00.000-07:00

Re: Do late pays on a BK account hurt ?

MarkTime | 13 posts since Jun 2004

this board is unhelpful, good bye.

2004-06-29T02:29:00.000-07:00

Re: If CA isn't licensed to collect....

kaykay29 |

quote:

Originally posted by fun4u2
IMO I would file suit they will probably back down rather than face fines and penalties.

ck the BBB for the company name it may have an agent for process or ceo listed.

are you saying the CA is not licensed with their city hall to conduct business ? or just not licensed with the secretary of state ?

What could shanyl file suit about? I don't know what it costs to file a case in Florida. Depends on which court mostly. Shanyl will have to do it pro se because no lawyer in their right mind would take the case.

So let's say shanyl pays $150 for court costs, another $50 to get them served so that is $200 and sits there in the courtroom on trial date waiting for the judge to rule that shanyl has no right of private action in the case because shanyl isn't the injured party as I said before and dismisses the case with prejudice meanwhile muttering something about people following bad advice they found on the internet

Your bad advice would have just cost shanyl $200, and an awfullly big embarrassment. Such bad advice as you have just given out just gives attorneys and judges good reason to hate internet lawyer wannabees every time one of them files a frivolous lawsuit and then they end up falsely blaming somebody for teaching that kind of nonsense.

It also hurts future pro se litigants because the next time somebody stands up there without a lawyer the judge is going to remember that last pro se who came before his court and wasted his time and the court's money.

Bad advice hurts everybody. I'll bet you didn't even read what I posted above. You probably just looked at who wrote it and thought "Oh damn! There is that dumb idiot CA woman shooting off her big mouth again and just zoomed right on by it and posted your bad advice.

I don't fight with anybody. If you want to pick fights go join the army.

2004-06-27T19:26:00.000-07:00

Re: Need help with diputing credit card

kaykay29 |

quote:

Originally posted by Bekka
I had cosmetic surgery to correct a problem and put the balance on my credit card and now I have the same problem the surgeon was supposed to fix. CanI just dispute this with the credit card co. since this was a service and he did not produce what he was supposed to do?

Since you have already posted about this in a much better forum hopefully we will escape lbrown59's bellicostic comments about this posting.

LOL

I don't fight with anybody. If you want to pick fights go join the army.

Sorry I asked

2004-06-24T03:52:00.000-07:00

Re: Re: Re: Re: Newbie

kaykay29 |
quote:
--------------------------------------------------------------------------------
Originally posted by Ice_Siren
You should engage the experts with that question, it would make for a lively debate and thread. Or...now that I think about it, there is a good possiblity it would be a dead thread and good for a few laughs. ;)
--------------------------------------------------------------------------------

And excellent answer indeed! Thanks. Would you also suggest that I start another new thread asking if there are any experts and if so where?

Probably not because there would also be a good possibility that it too would be a dead thread and good for a few laughs.

Sorry I asked.

Re: Clarification of FDCPA 809

2004-06-19T15:33:00.000-07:00

Re: Clarification of FDCPA 809

dgj77 |

Thats what i am reading right now, and enjoying Butch's and Bill Bauers arguments and posts.
I am trying to uderstand whether validation request is asking for proof that you are the person they want money from , or asking for PROOF that YOU OWE, or both

Bill Bauer made a comment that asking for validation is just the beginning of a dspute process. And disputing the debt is asking for PROOF that debt exists. This being different from verification, which just asks to provide some kind of verification that YOU are the person who they want money from

kaykay29 |

quote:
Originally posted by dgj77
Thats what i am reading right now, and enjoying Butch's and Bill Bauers arguments and posts.
I am trying to uderstand whether validation request is asking for proof that you are the person they want money from , or asking for PROOF that YOU OWE, or both

Bill Bauer made a comment that asking for validation is just the beginning of a dspute process. And disputing the debt is asking for PROOF that debt exists. This being different from verification, which just asks to provide some kind of verification that YOU are the person who they want money from

I see Bill Bauer is claiming some federal judge in South Carolina falsely accused him.

LOL

I don't fight with anybody. If you want to pick fights go join the army.

Re: Re: Re: Re: Clarification of FDCPA 809

lbrown59 |

quote:Originally posted by kaykay29

He is a trouble maker.

Ya got that right he's big trouble for CA law breakers.

~~~~~~~~~~~~~~

They never take it off the report when we make it right so why should we take it off the docket when they do?
*** Victims of Credit Reporting ***
http://members.aol.com/victcrdrpt/Score.html
Special for newbies ------ Read these links
http://consumers.creditnet.com/stra...0243#post410243

Bill Bauer again

2004-06-19T12:58:00.000-07:00
Re: Clarification of FDCPA 809

dgj77 |

Thats what i am reading right now, and enjoying Butch's and Bill Bauers arguments and posts.
I am trying to uderstand whether validation request is asking for proof that you are the person they want money from , or asking for PROOF that YOU OWE, or both

Bill Bauer made a comment that asking for validation is just the beginning of a dspute process. And disputing the debt is asking for PROOF that debt exists. This being different from verification, which just asks to provide some kind of verification that YOU are the person who they want money from

Blind squirrels and nuts

2004-06-18T11:08:00.000-07:00
Re: Re: Re: Newbie

Ice_Siren |

quote:Originally posted by kaykay29

It does happen however.

Blind squirrels and nuts come to mind. :)

=================

Don't force it......
GET A BIGGER HAMMER.

2004-06-17T17:59:00.000-07:00
Tolling

lin | 2 posts since Jun 2004

How do you know if the statue of limitations have been tolled?
lin

Lin

Re: Tolling

lbrown59 | 16535 posts

quote:
Originally posted by lin
How do you know if the statue of limitations have been tolled?
lin

please post this on credit talk.

~~~~~~~~~~~~~~

They never take it off the report when we make it right so why should we take it off the docket when they do?
*** Victims of Credit Reporting ***
http://members.aol.com/victcrdrpt/Score.html
Special for newbies ------ Read these links
http://consumers.creditnet.com/stra...0243#post410243

Re: Tolling

kaykay29 | 65 posts since Apr 2004 66.94.16.65 | 06.18.2004 @ 01:56

quote:Originally posted by lin
How do you know if the statue of limitations have been tolled?
lin

Let's see if we can give you an answer to your question instead of making you feel like you did something wrong and chasing you all over the place.
LOL

Tolling of a statute usually refers to a situation where the defendant can't be located because he skipped or moved to another state from where the action took place in order to avoid prosecution or action of the court or case and to avoid the consequences of his action. In that type of situation the "tolling" begins when he left the state or jurisdiction of the court and stops tolling when he returns voluntarily or is caught in some other state by police in criminal cases.

Since many people don't really understand the law and how it works they incorrectly use the word "tolling" when they really mean to ask what is the length of the statute of limitations? How long does it take for the statute of limitations to run it's course in otherwords.

That question can't be answered without knowing what specific statute of limitiations you are asking about and quite often it also can't be answered until we know what state is being considered.

In the majority of posts people are asking about the SOL for reports to remain on credit bureaus and that SOL is 7 years and 6 months after the date you defaulted on the loan or credit card or whatever. There are exceptions to that for IRS or other tax liens and bankruptcies in special cases however. For the most part it is the 7 years and 6 months after you defaulted on the obligation.

If you need to know about other types of SOLs then you might want to check for the law in your state. The best place to do that is at www.lawdog.com

You will probably find people advising you to go to some website such as carreon or whatever but few of them are to be relied on because they don't update their information and the laws do change from time to time. Lawdog can always be counted on to have the latest information available.

Even so, if you need to be really sure you should check with your local law library.

I do hope I have helped you. If you need further help just reply to me here.
I'll be watching for you

2004-06-17T06:30:00.000-07:00
Re: Re: Re: Re: Urgent Help Needed.... Judgement
kaykay29
Originally posted by lbrown59
NEW MEMBERS READ THIS.
http://consumers.creditnet.com/straighttalk/board
-> 1* In your financial shape, a good lawsuit against an attorney who is acting in violation of the law just might get you out of the mess you are in.
K K
================

A couple hundred thousand would help out wouldn't it?.

It might

Never read the fine print. There ain't no way you're going to like it.

~~~~~~~~~~~~~~

They never take it off the report when we make it right so why should we take it off the docket when they do?

*** Victims of Credit Reporting ***
http://members.aol.com/victcrdrpt/Score.html

Special for newbies ------ Read these links
http://consumers.creditnet.com/stra...0243#post410243

LOL

Re: Urgent Help Needed.... Judgement

lbrown59 |

quote:Originally posted by jenz
what it basically boils down to (and you will see this on many threads kaykay posts on) is that Kaykay is a debt collector and her boyfriend is an attorney that collects debts (and she admits he has been sued and lost).

and lb wasn't trying to say you were incompetent, just that there is so much helpful information on this board, but its hard to know where to start (which is why he put the link up).

This is my last post on this thread .
If The op prefers to follow the advice of A Ca over what I say fine.
So why waist my time and efforts for naught,?

PS thanks for the vote of confidence jenz .

Never read the fine print. There ain't no way you're going to like it.

~~~~~~~~~~~~~~

They never take it off the report when we make it right so why should we take it off the docket when they do?

*** Victims of Credit Reporting ***
http://members.aol.com/victcrdrpt/Score.html

Special for newbies ------ Read these links
http://consumers.creditnet.com/stra...0243#post410243

Roddysmoms ~~~ Judgement

lbrown59 |

1*KayKay.. thank you for the "heads up". I'll look into it tomorrow, give the court a call to check up on it. Will post whatever I find out.
2*However... lbrown... I really didn't come in here to post and get put in the middle of any squabbles. I honestly think putting someone who is new, genuinely looking for and asking for help in the middle of your sarcastic remarks and putdowns to another person is downright rude and uncaring - and extremely unfair to me, or to anyone else who would have been "in the middle".
Roddysmom
=====================
1*Thats right lets have a nice round of applause for the nice CA lady
2*while biting the poster who's trying to help you and inform you.

~~~~~~~~~~~~~~

They never take it off the report when we make it right so why should we take it off the docket when they do?
*** Victims of Credit Reporting ***
http://members.aol.com/victcrdrpt/Score.html
Special for newbies ------ Read these links
http://consumers.creditnet.com/stra...0243#post410243

quote:
Originally posted by lbrown59

1*KayKay.. thank you for the "heads up". I'll look into it tomorrow,give the court a call to check up on it. Will post whatever I find out.
2*However... lbrown... I really didn't come in here to post and get put in the middle of any squabbles. I honestly think putting someone who is new, genuinely looking for and asking for help in the middle of your sarcastic remarks and putdowns to another person is downright rude and uncaring - and extremely unfair to me, or to anyone else who would have been "in the middle".
Roddysmom
=====================
1*Thats right lets have a nice round of applause for the nice CA lady
2*while biting the poster who's trying to help you and inform you.

Don't worry lbrown. Your fine efforts are not going unnoticed and you are getting lots of attention and publicity. They have even made a movie about you

And you are making headlines in the tabliods almost every day.

Your famous posts have been mentioned by google many times as well

You have been mentioned 618 times by Yahoo.

Dogpile has you a few times too

You are a very famous person indeed lbrown59

Keep up the good work. Don't let your loyal fans and supporters down.

Re: Roddysmoms ~~~ Judgement

lbrown59 |

-> (which is why he put the link up).
jenz

====================
Roddysmom Won't have to be offended by that link now. I took it out of my signature at the expense of other newbies, but who cares about them anyway so long as it pleases Roddysmom.

~~~~~~~~~~~~~~

They never take it off the report when we make it right so why should we take it off the docket when they do?
*** Victims of Credit Reporting ***
http://members.aol.com/victcrdrpt/Score.html
Special for newbies ------ Read these links
http://consumers.creditnet.com/stra...0243#post410243

Re: Roddysmoms ~~~ Judgement

Roddysmom | 7 posts since Jun 2004
quote:
I don't think it was lb's advice that upset Roddysmom, I think it's that he was making the remarks about the boyfriend, etc. If people don't follow all the threads they don't know, and don't necessarily want to hear about that. Maybe if he kept to the advice and left the slams at people out it would be OK.

You know... you are exactly correct.

Whether or not lbrown or kk is a CA, who is right, who is wrong... is not the point.

The simple point of saying what I did was to let you all know that coming into someone's post who is ASKING for advice on a debt collection problem, and then putting them in the middle of a squabble between regular posters is rude and wrong - when that new poster has no idea what the existing problem is.

And what is really sad and very hurtful.. is to come back in here several days later and find that I am being made the butt of jokes & sarcasms - all at my expense.

I guess that some think it is okay though; I'm very upset and hurt by seeing & reading this - with everything else that is going on. I truly thought I could come in here for support and help.

Thank you for your time, I will see if I can find some place else to request help.

2004-06-15T14:08:00.000-07:00
Re: Re: Re: Re: Re: Re: estoppel & CA

lbrown59 |

quote:Originally posted by leadhead

A while back I won a case I filed against a CA for FDCPA & FCRA violations to the tune of $14,385.00.
*As I left, another lawyer remarked, "that was damn fine lawyering on your part... .

* Much better than kk29s boy friend.

~~~~~~~~~~~~~~

They never take it off the report when we make it right so why should we take it off the docket when they do?
*** Victims of Credit Reporting ***
http://members.aol.com/victcrdrpt/Score.html
Special for newbies ------ Read these links
http://consumers.creditnet.com/stra...0243#post410243

Re: Re: Re: Re: Re: Re: estoppel & CA

sassyinaz |
LOL, LBrown, good one!

Sassy

http://www.creditboards.com

Re: Re: Re: Re: Re: Re: Re: estoppel & CA

kaykay29 | 43 posts since Apr 2004 66.94.16.65 | 06.15.2004 @ 21:56

quote:Originally posted by lbrown59
* Much better than kk29s boy friend.

I don't think so. He just called me after court this afternoon and he won a $233 million case against a major manufacturer.

He gets 40% for attorney fees. No wonder he said I didn't have to worry about a measly $100 grand. He probably knew he was going to win it.

$14,000 wouldn't even buy his motorcycle.

Re: Re: Re: Re: Re: Re: Re: Re: estoppel & CA

Butch | 6031 posts since May 2002 24.208.137.254 | 06.16.2004 @ 01:49

quote:Originally posted by kaykay29
I don't think so. He just called me after court this afternoon and he won a $233 million case against a major manufacturer.

He gets 40% for attorney fees. No wonder he said I didn't have to worry about a measly $100 grand. He probably knew he was going to win it.

$14,000 wouldn't even buy his motorcycle.

Let me get this straight KK.

Hubby just called and told you y'all just made $100 Million, and all you can think of is "I better jump on CN and tell those guys".

Gotcha.

LOLOL

.

Butch,

"Fire is the test of gold, adversity of strong men".
-----> CREDITNET FAQ!
--> ArtOfCredit.com
--> What Is Validation! | Learn Your FCBA! | Rule Of "72" And Your Score!

2004-06-11T20:52:00.000-07:00
Help me find something to dispute!

SWFlaMom |
I'm looking at my EX report and it says:
Date opened 9/2000/reported since 8/2000. How does that happen?

I pulled my EX CR in 2002 and found out about a CA from 2000. Disputed. Came back verified, so I paid the piddly $60. (Now I know better.)

All 3 CRs say "creditor recently located individual", but I've been in the same place since '96, and the OC had my correct address. And EYE was the one who contacted THEM!

Status details say "Collection as of 7-2002, 7-2002, 6-2002, 11-2000, 8-2000." (WTH?)

This is the major reason I'm not getting approved for credit. Please, I desperately need advice!

Re: Help me find something to dispute!

kaykay29 |

quote:Originally posted by SWFlaMom
I'm looking at my EX report and it says:
Date opened 9/2000/reported since 8/2000. How does that happen?

I pulled my EX CR in 2002 and found out about a CA from 2000. Disputed. Came back verified, so I paid the piddly $60. (Now I know better.)

All 3 CRs say "creditor recently located individual", but I've been in the same place since '96, and the OC had my correct address. And EYE was the one who contacted THEM!

Status details say "Collection as of 7-2002, 7-2002, 6-2002, 11-2000, 8-2000." (WTH?)

This is the major reason I'm not getting approved for credit. Please, I desperately need advice!

None of those dates are really all that important. The important date is the date you defaulted on your creditor and sometimes that date isn't shown on credit reports you get from the credit bureaus.

I get that date when I pull credit reports every time.
That is very helpful information because it can help me to figure out what has gone wrong and why the debtors accounts went into default. When I talk to the debtor then I can flesh out the rest of the story and have a fair idea of how to go about getting the account paid if that is possible and they are willing to cooperate with me.

I never badger them or try to make them feel ashamed. That kind of stuff is not productive. It only makes people mad and I can't expect to get them to pay up if I make them mad at me.

Re: Help me find something to dispute!

tr1252 |
quote:Originally posted by SWFlaMom
I pulled my EX CR in 2002 and found out about a CA from 2000. Disputed. Came back verified, so I paid the piddly $60. (Now I know better.)

All 3 CRs say "creditor recently located individual", but I've been in the same place since '96, and the OC had my correct address. And EYE was the one who contacted THEM!

Status details say "Collection as of 7-2002, 7-2002, 6-2002, 11-2000, 8-2000." (WTH?)

This is a little confusing. Are you referring to a report you pulled in 2002? Regardless, you indicated that you PAID the CA. Therefore, it should be reporting as a PAID COLLECTION (which many, including myself, will say is just as bad as an unpaid collection). What is being reported simply isn't accurate.

Aside from continued disputes, I would demand procedures (do a search on that one - there's been much written about it).

Re: Re: Help me find something to dispute!

tr1252 |
quote:Originally posted by kaykay29
None of those dates are really all that important. The important date is the date you defaulted on your creditor and sometimes that date isn't shown on credit reports you get from the credit bureaus.

I get that date when I pull credit reports every time.
That is very helpful information because it can help me to figure out what has gone wrong and why the debtors accounts went into default. When I talk to the debtor then I can flesh out the rest of the story and have a fair idea of how to go about getting the account paid if that is possible and they are willing to cooperate with me.

I never badger them or try to make them feel ashamed. That kind of stuff is not productive. It only makes people mad and I can't expect to get them to pay up if I make them mad at me.

The original poster asked for advice. Well, that's real good advice, kaykay29 (NOT!). You're a CA, aren't you? And you certainly like blowing your own horn, don't you?

Re: Re: Re: Help me find something to dispute!

lbrown59 |
quote:Originally posted by tr1252
The original poster asked for advice. Well, that's real good advice, kaykay29 (NOT!). You're a CA, aren't you? And you certainly like blowing your own horn, don't you?

Sure explains why kaykay29s fiancee got sued twice for $100,000 each time don't it?
Never read the fine print. There ain't no way you're going to like it.
http://consumers.creditnet.com/stra...3773#post423773

~~~~~~~~~~~~~~

They never take it off the report when we make it right so why should we take it off the docket when they do?
*** Victims of Credit Reporting ***
http://members.aol.com/victcrdrpt/Score.html
Special for newbies ------ Read these links
http://consumers.creditnet.com/stra...0243#post410243

Re: Re: Re: Help me find something to dispute!
kaykay29 |
quote:Originally posted by tr1252
The original poster asked for advice. Well, that's real good advice, kaykay29 (NOT!).

Why not?

quote: You're a CA, aren't you?

Yes.

Re: Re: Re: Re: Help me find something to dispute!

kaykay29 |
quote:Originally posted by lbrown59
Sure explains why kaykay29s fiancee got sued twice for $100,000 each time don't it?

No, He got sued because the Bank let him down when they should have been there for him.

Re: Re: Re: Help me find something to dispute!

lbrown59 |
quote:
--------------------------------------------------------------------------------
Originally posted by tr1252
The original poster asked for advice. Well, that's real good advice, kaykay29 (NOT!).
--------------------------------------------------------------------------------

1*Why not?
quote:
--------------------------------------------------------------------------------
You're a CA, aren't you?
--------------------------------------------------------------------------------

Yes.
kaykay 29
===================================

1*If you can't give your fiancee good advice and it got him sued twice I can imagine what Your advice would do to A stranger.

Never read the fine print. There ain't no way you're going to like it.

~~~~~~~~~~~~~~

They never take it off the report when we make it right so why should we take it off the docket when they do?
*** Victims of Credit Reporting ***
http://members.aol.com/victcrdrpt/Score.html
Special for newbies ------ Read these links
http://consumers.creditnet.com/stra...0243#post410243

Re: Help me find something to dispute!

Col. K0rn |
quote:Originally posted by kaykay29
Why not? Yes.

Well, as we used to say when I was going to school for Computer Programming, "To be a White Hat, sometimes you have to wear the Black Hat." White Hats are people that build the network and software protection systems/programs, and the Black Hats are the "hackers".

My guess is that she's trying to switch hats...poking around to see what strategies we are coming up with. Heck, the only thing she needs to do is read the freaking law...

Col. K0rn

Re: Re: Re: Re: Help me find something to dispute!

kaykay29 |
quote:Originally posted by lbrown59
quote:

kaykay 29
===================================

1*If you can't give your fiancee good advice and it got him sued twice I can imagine what Your advice would do to A stranger.

I didn't advise him.

Re: Re: Re: Re: Re: Help me find something to dispute!

lbrown59 |

quote:Originally posted by kaykay29
No, He got sued because the Bank let him down when they should have been there for him.

No he got sued because he either didn't know the law or thought that he was above it.

~~~~~~~~~~~~~~
Re: Re: Help me find something to dispute!

kaykay29 |

quote:Originally posted by Col. K0rn
Heck, the only thing she needs to do is read the freaking law...
Col. K0rn

Your strategies are no secret and I don't have a problem with the freaking law.

Re: Re: Re: Re: Re: Re: Help me find something to dispute!

kaykay29 |

quote:Originally posted by lbrown59
No he got sued because he either didn't know the law or thought that he was above it.

He knew that when the debtor demanded proof the bank had to provide it or they had no case. He demanded that the bank prove their case and they didn't do it. When they didn't do what they were supposed to do he immediately dismissed their case. There was nothing else he could do.

Help me find something to dispute!

lbrown59 |
I don't have a problem with the freaking law.
kaykay29
===================
Yeah you do!

Other wise you wouldn't be blaming your fiancees, run in with the law on the bank, Bill Bauer or the consumer that sued him.
The only person responsible for that was your fiancee

Never read the fine print. There ain't no way you're going to like it.

Re: Help me find something to dispute!

kaykay29 |
quote:Originally posted by lbrown59
Other wise you wouldn't be blaming your fiancees, run in with the law on the bank, Bill Bauer or the consumer that sued him.
The only person responsible for that was your fiancee

Why are you defending Bill Bauer?

Re: Help me find something to dispute!
________________________________________
sassyinaz |
Why are you blaming Bill Bauer?????

Flying with LB, your fiancee losing those 2 cases and likely the pending case on FDCPA violations as well, has nothing to do with Bill Bauer or Household.

He willingly chose to take a case he knew he couldn't prove and win. He should have required the documentation from HH before agreeing to take the case.

Sassy
__________________________________________________
Re: Re: Help me find something to dispute!

kaykay29 |
quote:Originally posted by sassyinaz
[B] Why are you blaming Bill Bauer?????

Flying with LB, your fiancee losing those 2 cases and likely the pending case on FDCPA violations as well, has nothing to do with Bill Bauer or Household.

He willingly chose to take a case he knew he couldn't prove and win. He should have required the documentation from HH before agreeing to take the case.

Sassy
__________________________________________
All depends on how you look at it. Bill Bauer was right there by cell phone telling the dude what to do. Without that the dude would never have been able to win.

The banks never provide the level of documentation that the dude was demanding. It isn't necessary and would require way too much time and expense. Most debtors never show up in court anyway. This one would not have gone to court if it had not been for Bill Bauer.

My fiancee isn't all that worried about it anyway. I was. It just about made me sick at first. I was afraid we wouldn't be able to get married because of it but my fiancee says it isn't enough money to worry about.

He says it will be a long, long time before the dude will ever get any money anyway.

Re: Re: Help me find something to dispute!

lbrown59 |
quote:Originally posted by sassyinaz
Why are you blaming Bill Bauer?????

Flying with LB, your fiancee losing those 2 cases and likely the pending case on FDCPA violations as well, has nothing to do with Bill Bauer or Household.

He willingly chose to take a case he knew he couldn't prove and win. He should have required the documentation from HH before agreeing to take the case.

Sassy
_________________________________________________________

Exactly,
but don't confuse KK the CA with the facts.

Hay KK the CA I'm a poet and didn't know it !

~~~~~~~~~~~~~~

Re: *: CA Problem

kaykay29 |
quote:Originally posted by lbrown59
The logic used by the court is that when a law firm sends a letter, there is a presumption that the lawyer has actually PERSONALLY REVIEWED the file, and has PERSONALLY DECIDED that legal action will be appropriate for the file as they have reviewed it.
jam237
===============
This is where kay kay 29s boyfriend went wrong and got sued twice for $100000 each time.
Instead of placing the fault where it belongs, on her boyfriend she wants to blame everybody else including the bank for his mistake.

Not true, lbrown. He didn't get sued for FDCPA the first time. The FDCPA case hasn't been heard yet. And that case isn't about what you think it is.

Re: Re: Re: Re: CA Problem

kaykay29 |
quote:Originally posted by jam237
Shanyl:
What KayKay said is accurate. That is why default judgements are a major problem.

Even if they do take it to arbitration, and you lose (since its stacked to their favor), challenge them getting that converted to a judgement in your county. Make them prove it in person to the judge. And make them prove every penny of the amount that they are claiming is owed.

It is very true that arbitration is stacked against you and you will normally lose. Challengeing them getting that converted to a judgment in your county isn't nearly enough. You would have to be provably active as soon as you receive notice of arbitration and you would have to deny having agreed to arbitration to the arbitration company. And that would only be the first thing you would have to do. You would also have to do what jam237 said and demand strict proof of the debt from the arbitration company.

Even that may not be enough to make them stop. You would probably have to fight them in your local court too.

Once they get the arbitration they will attempt to reduce it to a judgment by claiming that the matter is res judicata.

That means they claim that it has already been settled by the arbitration board and there is no matter of dispute before the court.

There are also other things that you must claim if at all possible. You can try to claim that they changed or tried to change the conditions of the original agreement by sending you a second agreement saying that by using their card after receiving the new agreement you have agreed to arbitration in the event of any disagreement. Agreements once made cannot be changed like that.

That can work on cards that have been opened over two years ago but most of the newer ones will already have that clause in them so that argument won't work.

Cleaning up your credit by disputing with the credit bureaus is just fine but you also need to think about the fact that if a CA is going to sue you then they don't care about your credit reports or that you used some trick or other to repair your credit.

Re: Re: CA Problem

kaykay29 |

quote:Originally posted by lbrown59
Fix the problem - out law them

Don't you just wish it were so simple as that? Arbitration is not something just dreamed up by some creditors or collection agencies.

Arbitration is perfectly legal, authorized by law and sanctioned by the courts. You can't just wish them out of existance.

Look what you've done now...

Col. K0rn |

Oh Lord sassy, look what you've done now. You've got Bill fired up.

From what I have seen and heard lately, I'm afraid that common sense is indeed, not common.

Col. K0rn

2004-06-10T06:59:00.000-07:00
Re: ignore it's duplicate

lbrown59 |

quote:Originally posted by goldhummin
Darn server

O BOY:
Another ignore thread !

~~~~~~~~~~~~~~

They never take it off the report when we make it right so why should we take it off the docket when they do?
*** Victims of Credit Reporting ***
http://members.aol.com/victcrdrpt/Score.html
Special for newbies ------ Read these links
http://consumers.creditnet.com/stra...0243#post410243

2004-06-06T23:57:00.000-07:00
estoppel & CA

fun4u2 |

In reading Lbrowns posts I need further clarification in regards to estoppel.

A CA refuses to acknowledge a written dispute and request for validation within the initial 30 day period that was sent CMRRR.

as of friday the acct has not yet been added to any of my CR, should a consumer send a estoppel letter at this point after the 30 days expired or send something less leaglized ( as an uneducated consumer would ? )

I have never encountered this situation before usually the Ca responds, but in this case I'm on ignore and I am concerned they may report the acct to the CRA ( which I know is a violation ) and try to claim they sent validation as I am hearing is occuring with others on Cn.

any suggestions?

2004-06-05T16:39:00.000-07:00
Re: to psychdoc others re child abuse

Hedwig |
And if you look on the next to last page of that post, it references another one. Check it out. --and most of those posting came from another board, not here!
_________________
The Answer is 42!!

www.collectionindustry.com/forum

Re: Re: to psychdoc others re child abuse

sweet21510 |
quote:
Originally posted by Hedwig And if you look on the next to last page of that post, it references another one. Check it out. --and most of those posting came from another board, not here!

I read that, and was pretty shocked. He never bothered to read the content, and the reactions weren't a matter of trolling, just understandable outrage. Of course he put in a shameless plug for creditwrench, but thankfully the other members of the forum ignored him completely...I'm sure this is the worst thing for him.

Ignoring creditwrench

credshrewd |

quote:Originally posted by sweet21510
I read that, and was pretty shocked. He never bothered to read the content, and the reactions weren't a matter of trolling, just understandable outrage. Of course he put in a shameless plug for creditwrench, but thankfully the other members of the forum ignored him completely...I'm sure this is the worst thing for him.

What makes you think that getting ignored on that other board would bother him? His blog alone gets over a thousand people a day. You've got to be kidding.

Re: Ignoring creditwrench

kaykay29 |
quote:
------------------------------------------------------------------
Originally posted by credshrewd
What makes you think that getting ignored on that other board would bother him? His blog alone gets over a thousand people a day. You've got to be kidding.
------------------------------------------------------------------

I wish I could ignore him. I am a debt collector. One of his students sued my fiancee who is an attorney for $100,000 and won it.

My fiancee has insurance that paid most of it but they raised the rates on the insurance by double and then he got sued again by the same dude for another $100,000. So they cancelled my fiancee's insurance and he now he can't find new insurance.

Now we can't afford to get married until this is over. We know Bill Bauer is behind all of this because my fiancee said that the dude demanded discovery and when my fiancee went to the discovery the dude had a court reporter there. My fiancee objected and called the judge to complain but the judge overruled him and while my fiancee was on the phone with the judge the dude was talking to Bill Bauer on his cell phone. He even called him by his first name.

He had a whole list of questions and stuff my fiancee was supposed to admit to so my fiancee just up and left and the dude went right to the courthouse and filed a motion of some kind on my fiancee and the judge granted it and my fiancee lost the case.

I hate Bill Bauer.
Kaykay29 hates Bill Bauer

sweet21510 |

quote:Originally posted by lbrown59
Your fiancee has nobody to blame but himself for this for if he had obeyed the law this would not have happened to him.

A lot more Debt collectors need to be made examples out of in this way.

I totally agree. I have had some of the nastiest bill collectors ever call, as have most all of the people here. If bill collectors would spend some time:

#1 learning the law and how it applies to their trade
#2 Abiding the law once they learn it
#3 Treating individuals with respect

they would probably not have the lawsuits that occur now, and they might actually get their debtors to pay. As it is, there isn't a whole lot of motivation for most debtors to pay..why should they when even if they do they will be lied to and have their credit history trashed regardless.
Re: Re: Re: Ignoring creditwrench

kaykay29 |

He didn't do anything wrong. He was hired to collect a debt for Household Bank. The dude wanted proof of the debt. He demanded that Household send a bank employee to the trial so he could cross examine them and Household refused to do that. So the dude filed a motion for summary judgment against the bank and the judge granted it.

Then he filed a lawsuit against my fiancee claiming that he had filed a frivolous lawsuit against the dude and he won that too.

Now the dude claims that he broke FDCPA too. He demanded unlimited damages both times and they gave him $100,000 the first time. The second time hasn't been decided yet.

My fiancee is a good attorney and a decent man. He didn't break the law. The bank hired him and then stiffed him.

Getting paid

kaykay29 |

quote:Originally posted by lbrown59
The bank hired him and then stiffed him.
kaykay29 |
--------------------------------
I think that's great.
If it happened to more lawyers it would make it harder for collectors & Creditors to obtain attorneys in their efforts to fleece consumers.
------------------------------------
Everybody has to work and everybody has to get
paid some kind of way.

Yes, I know you folks here hate debt collectors for the way most of them treats people. I try to do my work without abusing people or breaking the law.

I know the law as well as most do but I don't worry about it much cause I try to work things out the best way possible. Most want to pay what they owe if they can. I try to help them work out a plan that will work for them if possible.

I see you hate debt collectors and you hate the credit bureaus and you hate lawyers.

Has all that hate ever done you any good?

2004-06-02T05:24:00.000-07:00
Lizardking....King of frivolous....

conbuster |

Ive been lurkin for some time....couldnt help but notice the suits by Lizardking...

Based on info he has provided in his posts.......probably unintentionally, it seems he has filed about 100 cases in small claims court alone....some even against [potentially identifying data removed by Creditnet]

Take a look at the small claims court search page for...
[potentially identifying data removed by Creditnet]

type in "[potentially identifying data removed by Creditnet]" minus ""'s of course....then hit search and let the fun begin.

Now...I am not posting this for a smere campaign or to enlist anyone to find his address etc.....but, one might want to reconcider what LK has posted in light of the numerous and questionable suits... :)

and in case its just a mere coinsitance and LK is not [potentially identifying data removed by Creditnet], try looking at [potentially identifying data removed by Creditnet]

:)

2004-06-01T20:55:00.000-07:00
Need your advice on hiding-related

Runner |

Hi All,

What a wonderful forum! I had no idea anything as amazing existed. This should really be popularized for the "masses" that don't even know their rights...

Well, i certainly don't (I hate to admit it, but even with an advanced degree I am a "perfect" idiot as far as consumer rights.)

I owe a lot to credit card companies (tens of thou) - trying to start fresh, ran away to a different town, rented under a different name (my relative), got all the accounts (phone, ISP) under a different name. I know that collection agencies keep calling my former employers - and one of them apparently gave one of the collectors my new number (I was stupid to give it to her.) I got a call asking if I am Mr. Runner - I was silly to say i am first and then hung up asking never to call this number.

Am I being silly? Is this a totally wrong approach? What do you advise to do? Should I "legalize" and deal with my 20 collectors? Should I file for bankruptcy (I have a tiny income right now hardly managing to survive on it but business may be picking up this Fall...)

And thank yuo all so much in advance!

Respectfully,
Runner

2004-05-31T05:25:00.000-07:00
Re: telecheck

lbrown59 |

TONGUE LASH EM BOTH :
SORRY I COULDN'T RESIST
LOL
quote:
Originally posted by jenz

what do i do? do i need to fight WALMART or TELECHECK?

~~~~~~~~~~~~~~

They never take it off the report when we make it right so why should we take it off the docket when they do?
*** Victims of Credit Reporting ***
http://members.aol.com/victcrdrpt/Score.html

Special for newbies ------ Read these links

2004-05-26T05:23:00.000-07:00
What Happened to Hiding9O ?lbrown59

I don't see any of the post he made yeaterday 5/23/2004!
Anyone else notice this or have a clue?
~~~~~~~~~~~~~~

They never take it off the report when we make it right so why should we take it off the docket when they do?
*** Victims of Credit Reporting ***

http://members.aol.com/victcrdrpt/Score.html
Special for newbies ------ Read these links
http://consumers.creditnet.com/stra...0243#post410243
Re: What Happened to Hiding9O ?

fxs158 |
I am assuming he was banned, did not catch why.
Re: What Happened to Hiding9O ?

sahlegian |

maybe he decided to take up suroundings with bbaur over at the credit wrench, or was that the credit ranch. or does the lizard king live on the credit ranch. or does the crow mom. oh well i think the crow mom has flown the coop. i give up trying to remember all these names.
Re: Re: What Happened to Hiding9O ?

lbrown59 |
quote

Originally posted by sahlegian
maybe he decided to take up suroundings with bbaur over at the credit wrench .

But that don't explain what happened to the post he made the other day but aren't on the board now?
~~~~~~~~~~~~~~

They never take it off the report when we make it right so why should we take it off the docket when they do?
*** Victims of Credit Reporting ***

http://members.aol.com/victcrdrpt/Score.html
Special for newbies ------ Read these links

http://consumers.creditnet.com/stra...0243#post410243

Re: Re: Re: What Happened to Hiding9O ?

sassyinaz |
quote:
Originally posted by eodell
i believe he got booted due to an obscene message he left on the board at the end of it he told sassy to get---expletive deleted--- so i expected it to be his last post when i saw it and havent seen anything since. everyone was saying he was a ca trolling anyhow

That was his first banning, eodell, he snuck back in as Hiding9O since then (90 with a capital O versus the 0, zero).

Sassy

http://www.creditboards.com

2004-05-23T06:08:00.000-07:00
WTH? Just found this.....

¤Fl¥¤girl¤ |

http://creditnetlogs.blogspot.com/

Somebody seriously needs to get a life!
WTH? Just found this.....

Butch |

Bill Bauer.

Butch,
http://www.collectionindustry.com
WTH? Just found this.....

cinderella | 1089 posts since Jun 2002 68.5.154.70 | 05.30.2004 @ 03:07

Lol.......I came across that too awhile ago.

I occasionally glance through BB's blogspot: and he adamantly denies it. I **kind** of believe him, BB seems the kind of guy who would take credit for this in a heartbeat.

Maybe it is Hiding90/Hiding9O?

___________________________
Tugging at my skirt:
"Mommy mommy, how much is that canary in the window?" my cat

2004-05-20T04:28:00.000-07:00
Re: oooh, I'm CCN Steve.. look at me

Butch |
Ya know Sassy, once, JUST ONCE, I'd love to see you refrain from diving, ... HEADFIRST ... into EVERY SINGLE controversy you can POSSIBLY find.
lol
.

The manifestation of power most respected, by the most people, is RESTRAINT.
(Colon Powell)
.
Butch,

"Fire is the test of gold, adversity of strong men".
-----> CREDITNET FAQ!..............WinterSoldier
--> ArtOfCredit.com
--> What Is Validation! | Learn Your FCBA! | Rule Of "72" And Your Score!

2004-05-19T21:24:00.000-07:00

TROLL |

i have tried to email them all. but only replies of threats to report me to FBI and other meaningless garbage. Steve has done nothing but post my comments to his blog and keep those savory advise tips (or tip actually). I know freedom of speech doesnt apply to this private/public? forum, but think before you act.. thats all I'm saying. Steve is a pantsload. There, I stooped to LKH's level and name called. I apologize for this interuption fun4u2 as people need help, but my god... what is this holier than thou tripe?

2004-05-19T20:21:00.000-07:00
Steve = hippocrit & Lizard = cool

TROLL |

I came here cuz i wanted to swap info as a collector and talk to lizardking cuz I was wrong about him, he's cool. See I can admit being wrong, unlike LKH or SassyAZ who ban innocent people because they live in the same area as Trolls like me. What have I got to gain by stressing this point.

Steve you haven't even emailed me to my face or responded to my attempts. I am a member of many forums and none banned me except this for being controversial. You print my words in your blog and leave in my advice about secured credit cards, but otherwise you shun me.

I think it is WRONG to borrow money and have it expunged from your credit and not pay it back. Those laws are here to protect victims of fraud. I see alot of debtors report their cards as stolen, thats the same thing.

Lizard caught idiots violating FDCPA thats great, but don't get into credit if you can't handle it. Its bad.

LKH you drama queen, why haven't your reported me to the B.A.D.M.O.U.T.H. division yet? Thats it, clog our police with meaningless complaints. We can all pay for that, like our high intrest rates. Drama, Drama, Drama. Come visit me sometime at any of my other blogs, those that are less self important.

You wrongly banned Tyrone. Why would I keep reiterating this point? Obviously I can find a new IP and rejoin if i please. I am not going to, I am gone from this smoldering pit of despair.

Getting banned

2004-05-19T08:19:00.000-07:00
Re: Re: I am a bill collector and w

CCN steve | 90 posts since Jan 2003 10.0.0.1 | 05.18.2004 @ 20:39

Creditnet:

The original posting in this thread, as well as contextual responses which referenced it, were removed this afternoon. That and others like it posted elsewhere to Creditnet, all posted within two hours of the individual's joining Creditnet, were clearly provocative in both purpose and tone. Moreover, many of them disparaged another Creditnet member specifically. Such postings were apparently crafted to harass members of another consumer-oriented discussion board, many of whom are also valued Creditnet members, without offering anything germane to the consumer topics we discuss. As I've done on several occasions since January 2003 when my tenure began, I will reiterate a few points:

Opposing viewpoints are welcomed. The fact that someone happens to be a bill collector cannot exempt someone from their Creditnet membership. As "Westcap" demonstrated here and elsewhere, bill collectors can be generous sources of helpful information regarding settlement, conditional endorsements, and other topics. And of course there have been others in that line of work who have similarly proven themselves as well-liked and helpful members of our community.

On the other hand, violations of the Creditnet Terms of Service (and perhaps most importantly the harassment provision just referenced) are not tolerated. In that regard, quite a few members have been banned from Creditnet, but only a small handful of those individuals ever claimed to work in the consumer credit field. Of course such demographic proportions probably aren't too far removed from what one might find among the 10,000+ Terms-abiding Creditnet members. Bill collectors are not targeted here on the basis of their employment.

CCN steve

A new Creditnet bill collector

2004-05-18T04:27:00.000-07:00
reditboards nothing compared to th

hydrallus |

This place is actually populated by intelligent people like Lizard King and the likes. Obviously there is some bleed over of the riff raff from creditboards, but I won't mention anyones names or that they are in arizona and feel giddy. I will say this, I am a collector for a major CA and am a nice person. I get crabby and take it out on people just like any human. I use spellcheck after typing just like any human. Those people over there are infalliable I take it, and ban people for no other reason than disagreement. I assume most of you aren't "quick to judge" or prone to nitpicking someone's post. I was deemed guilty of "trolling" and I'm not gonna deny it, but somebody, a forum leader, banned this mother of 3 with repo problems, just because they came to my aid when the namecalling started, and they were from the same state as me and joined that night. This is gonna be a forum where I learn something, and hopefully share what I know too.. which is far less than most of you: you guys do know alot, I'll give that. But its heart that counts... thanks for having me!!! sincerly, The supposed "troll" from creditbooards.naz

Child Abuse

2004-05-16T18:59:00.000-07:00
to psychdoc others re child abuse

sweet21510 |

Very recently I ran across a website in which a guy has admitted to giving corpral punishment to a 14 week old baby, and would appreciate any input.

Is this not considered abuse? and couldn't this harm the baby emotionally? I personally think it is horrible, and posted my feelings as such in the forum.

Here is the link:Church of critical thinking

2004-05-04T19:01:00.000-07:00

Straight Talk > PUBLIC FORUMS >> Credit Talk >> JDP Pro Se IS NOT Hiding90

Showing Posts: 1 to 1 of 1

JDP Pro Se IS NOT Hiding90

JDProSe |

People:

My previous posts were under JDP Pro Se. Unfortunately, someone who posted a thread "Hiding90=JDP Pro Se" was believed by a CN Steve and I no longer can post in that name nor have access to it. It is alleged that an IP address matched one in Los Angeles(?)

I can assure all that I am a resident of Suburban Philadelphia, Pennsylvania and have no knowledge whatsoever of this "Hiding90" character, much less have I ever used that monicker. It seems my postings here were poorly timed contemporaneously with this poster's "banning", and no matter how much I e-mail the administrator, I can not motivate a response and JDP Pro Se can not be used.

I won't be posting anymore in this forum. It would only be a matter of time before this name too was inactivated. I had much to learn here as well as to contribute, but I can not do the impossible and prove a negative. In closing I bid you all good luck in your endeavors. I will remain posting in collectionindustry.com and checking out the "art" thing web site. It's been real, and fun, but it hasn't been real fun. PEACE
John
PlayerOnEbay@aol.com

The saga of Lbrown59 by PsychDoc

2004-05-02T22:25:00.000-07:00
The saga of lbrown59 and PsychDoc

2004-04-21T01:42:00.000-07:00
Anyone in the market for...

fingrrrl |

a clarinet? I've got a clarinet I would really like to sell and was wondering if anyone was in the market for themselves or a daughter or son or niece or nephew or anyone they can think of. I come to the Creditnet boards alot so I thought that I should try here. If interested, post here with your email and I'll drop you a line with further details. Thanks!

2004-04-17T18:44:00.000-07:00
The meaning of Liberal...

islandboy |

Webster's Dictionary of the English Language-

Liberal-1adj. giving freely, giving more than is usual or necessary II generously large, more in quantity than is necessary. 2 noun (politics) person who believes- (a) in a government that is generously large and more in quantity than is usual or necessary (b) government should provide services that are generously large and more than is necessary (c) Republicans want to kill your children and destroy the environment (d) your tax dollars should go to someone who does not pay taxes (e) they can spend your money better than you (f) personal choice except for when you choose a school for your child or a gun for your protection (g) making people feel good is better than doing what is right (h) the world is better off without the US in it (i) in a vast Right Wing conspiracy (j) Osama Bin Laden and the Palestinians are just in their actions ( k)in registering illegal aliens and felons to vote in elections (l) National Defense should be the lowest priority for the government (m) Dan Rather is an objective reporter (n) the US does more harm than good (o) in changing history to fit their political view (p) government is better at raising your children than you are (q) welfare should be expanded to include more people (r) taxes should be much, much higher than they are (s) you should not be able to drive the car of your choice (t) that if you have it better than someone else, it should be taken away from you (u) that if you work hard all you life and want to pass on any assets you may have to your children, the government should get over 50% of the worth (v) in no personal responsiblity (w) that you can earn too much money, no matter if you have earned it and deserve it (x) the corporate world is evil and only benefits the rich (y) in free speech, only if you agree with them (z) that know how to live your life better than you do. 3. dscpt-person with a very big heart and their head up their aXX.

JFK said "Ask not what your Country can do for you, ask what you can do for your Country".
Now for the Party of JFK it is "Don't ask what you can do for your Country, ask what your Country can do for you!"

2004-04-13T01:24:00.000-07:00
answers 4 all consumers...

fun4u2 |

to all fellow consumers here is some info that may help you all.

legal answers from attorneys from every state you can ask your question by going to

Lawguru.com

to search local, state, federal laws cases codes etc.
findlaw.com

issues with cap 1 or CC that deal with major banks
Federal Reserve.com

problems with CA
check the BBB ( reliabilty report for the co in their location)
issues with CRA grrrr check out FTC.com and your states Attorney General and file complaints.

finally get a lawyer check out your states bar association.

2004-04-11T22:56:00.000-07:00
Bad Credit = NO LOANS, HELP!!!

tathepilot |
I'm a 26 year old pilot and I got offered a job flying a jet. Sounds good right? Wrong. I need to get some training done and the cost is around 7500. I need to get a loan for 3 thousand. Does anyone know of a bank or any other resourse where I can get this loan?

thanks in advance..
Bad Credit = NO LOANS, HELP!!!

kaaathi |

try www.lavaloans.com

i got 3 personal loans from them before. it really helped me out when i lost my job. good luck.

Bad Credit = NO LOANS, HELP!!!

tathepilot |

thanks for your help, I will give it a try!!
Bad Credit = NO LOANS, HELP!!!

tathepilot |

is this a joke? For a 995. app fee I think I can do without..

2004-04-04T13:50:00.000-07:00
Re: YAY!!!!! TWO CA's are after me!

hiding90 |

-I know this is a "hot" issues, but I would advice against "reading into" the statute.

-The purpose of the section is to prevent the collector from contacting the consumer PERIOD.

-By creating a "limited" ceace communicaiton, not only does it defeat the purpose of the law, it can be used as a defense by the collector in any suit brought for "not ceasing communication"

-Here is why. The statute prevents a collector from contacting a consumer after they receive a cease communication request, or they face strict liabillity just for doing it. So they can use the defense that the consumer has "baited" the collector into violating the law by sending vailed cease communication letter, in essence, saying "dont contact me or Ill sue.....but here you can write me"

-I would not want to argue this in front of a judge "You cant have your cake and eat it too"

-I good example of this is the courts have hear arguement whether it is a violation to even send a "notice of validation rights" to a consumer after they consumer has sent a cease communication letter. So if a collection agency can be in violation for just sending a "required" notice, it is a hard sell for a "limited cease communication letter"

-Here is another thought. What happens if the collection agency send the consumer a "limited" cease collection letter "requesting" the consumer to ONLY write them on pink stationary with purple ink. Could the collection agency sue the consumer for not complying? :)

-LOL made myself laugh

Re: YAY!!!!! TWO CA's are after me!Re: YAY!!!!! TWO CA's are after me!

kaykay29 |

quote:
By creating a "limited" ceace communicaiton, not only does it defeat the purpose of the law, it can be used as a defense by the collector in any suit brought for "not ceasing communication"

-Here is why. The statute prevents a collector from contacting a consumer after they receive a cease communication request, or they face strict liabillity just for doing it. So they can use the defense that the consumer has "baited" the collector into violating the law by sending vailed cease communication letter, in essence, saying "dont contact me or Ill sue.....but here you can write me"

-I would not want to argue this in front of a judge "You cant have your cake and eat it too"

Thank you Hiding90.

I suspected that he was simply assuming something not in the law.

2004-04-03T16:15:00.000-08:00
Not many posts here

kaykay29 |

Seems like there aren't many posts here and lots of them don't even mention credit repair.
Re: Re: Lizardking banned on Credit

Butch |

Well said Steve. :)

I, who was probably foremost in the thick of things, back in those "bad old days", hold no grudges against anyone, provided they come here to help, support and encourage.

I went especially out of my way to make Nana feel as welcome & comfortable here as a "pig in the mud", (as BBauer might say).

Nana is a profoundly valuable resource here, or anywhere. I just wanted to thank her for her courage in making this wholly unnecessary apology.

:)

.

Butch,

"Fire is the test of gold, adversity of strong men".

2004-03-31T19:09:00.000-08:00
Re: Re:Lizardking banned on Creditboards

jpriafl |

Peri, can't anyone here (not only you but LK included BTW) just spell out what it is you're thinking or implying that someone else inferred or didn't infer??

I don't know what you're getting at, truly I don't. It could be taken about three different ways.

AFAIK, CB was created because some people thought other people were clogging CN with non-TOS stuff (like BBauer I think), whereas the only recent "major major" difficulties here was with the forum software - I could speculate about what your intent or implications may be from your statement abut your inferences about others' opinions of the implications of LK's sometimes non-specific (which he later made more specific as "predictions" not "threats") statements, but why would I want to do that?? I'd only be contributing to that which I am against...

Anyway, I don't see any heroes here, or villains.

Just people who are trying to communicate (isn't that what we're here for?) and others who are trying to quash it (isn't that what mods are supposed to prevent, not foster??)

I don't want some mod to determine what is "safe" for me to read - I do appreciate mods who try to strip out distracting or offensive posts. But when they are the ones who are offensive, it's time IMHO for them to rejoin the "modded" rather than the "modding".

BTW, someone did bring up a valid point about "proof" of LK's claimed filings - but if the settlements never get to the actual courts, would a search show just a "filing" if it's settled before a judge ever gets involved? But in any event, I think LK said that a judge was involved in 1 or 2 of the 20 previous actions.... how about it LK, got the cite? I'm all about facts to go with the information...

Re: Re:Lizardking banned on Creditboards

Peri |

gosh, I cant explain how little I care about any of it.

I was not trying to infer or imply anything. I read the thread. I saw where he was accused of making threats. I looked for possible threats. I found that post. I considered what or how that statement might be construed. I was not saying that he was threatening the board. I was saying that it might have been taken as threat, not a possible prediction.

I have no thoughts on the validity of his cases. I don't know. I don't care. I have no thoughts on who was pomous or rude... or who was a putz first or ever. I don't know. I don't care.I have no thoughts on his history on CB or CN. I don't know. I don't care.

The only reason I posted was to point out that things that are said, can be taken in many ways.

Re: Re:Lizardking banned on Creditboards

radi8 |

-------------------------------------------------------
"That is how it happened. I warned Radi8 that he was bordering on censorship, he viewed that as me threatening him and the board and banned me. Kinda funny actually."
-------------------------------------------------------
Not exactly, lol. Nice try, though.
It takes an awful lot more than that for me to feel threatened.

Since you keep asking-
Your account was suspended for several reasons, which have gone back several weeks. It was far from an instantaneous, or unilateral decision.

Our approach to moderating at CB is quite different than here on CN. Which is "better" is of course a matter of opinion, and we fully expect that the proactive approach over will not always be well received- especially by those on the receiving end of it. If that style is not for you, that's fine- we'll agree to disagree on what works best- and leave it at that.

The reasons you were suspended are posted in the applicable thread - available for reading.
I see no reason to clog up CN repeating them here.
Nor do I see any usefulness in a dragged out argument here on CN. I've only responded now because you have called me out by name.

I do note that you have continued to use personal slams here, mentioning my name several times- despite my never having posted anyting derogatory to you personally- ever.
That mode of operation can certainly be a sucessful tactic, and if it works for you- have at it!
But don't expect it to be allowed everywhere.
Regards,

Radi8

Re: Re:Lizardking banned on Creditboards

picantel |

Here is a thought. How about you all stopping your freaking whining and go help people which is suppose to be what the boards are for. I am getting attacked right and left by the bad people why you fools are sitting around fighting each other. I am not sure what makes me more sick- bad collectors or this thread.

adios

Re: Re:Lizardking banned on Creditboards

clc |

As a real old timer who has been busy studying at law school I feel compelled to add to this thread. I have been familiar with LK's litigation strategies since I first joined creditnet in '00. I thought then and now that his legal strategies were akin to throwing a wet piece of spaghetti on the wall to see if it sticks. After a year of law school I will admit that many times LK's legal strategies are not based on case law or precedents but if they worked for him then more power to him. As for investigating or researching his veracity that is very hard to prove as most of his litigation occurs in small claims court which unless a court reporter is paid for by the plaintiff then there is virtually no record. Censorship is an insiduosly evil process. Wht did LK do...expose his Janet Jackson breast, shock-credit-jock ala Bubba the love sponge or Howard Stern. My advice to those who abuse First Amendment rights to free speech any where is; don't read it, don't watch it and don't listen to it. When the loss of freedom of speech is taken away by bible thumping politicos like John Ashcroft and they trickle down to the regular Joe US citizen then we're all in trouble. My advice to LK is Groucho Marxian "I wouldn't wanat to be a member of any club that would accept me as a member" and go on about his business where he can post freely and without censorship.

clc

Re: Re:Lizardking banned on Creditboards

sahlegian |

wow it seems like you still havent taken my advice and gotten any....This is suppposed to be for advice on Credit not Festivus for deadbeats and wannabe lawyers

Re: Re:Lizardking banned on Creditboards

bigjohn |
Then she shouldn't have brought other things into it. I "get" plenty and as far as being a "wanna be" lawyer, I'm graduating in May.

Don't be pissed that other people had the fortitude and intelligence to do something you're not capable of.

Re: Re:Lizardking banned on Creditboards

gmaof1 |

Is this sandbox for the ones who want to play or the bullies?

When you quit, you lose!

2004-03-30T06:02:00.000-08:00
Re: Re:Lizardking banned on Creditboards

jpriafl |

I read the whole thread...

First, I hope there's some place that LK can post his results. My credit's all clean now, but I remember when it wasn't and wish I'd known about CN back then (and LK's quests...) Anyway, in one of the last slams at him, one of the mods mentioned "unsubstantiated"... Well, Duh! If you censor out substance (which he clearly was attemtping to provide, not only from his first post but every single one of his replies to those that were actually trying to share information),

In any event, just for curiousity's sake, I hope I'm allowed to read his results here or at least somewhere. (Hey, LK, why not start a mailing list just for that??)

Anyway, guess no need to read CB then, if info of substance is dismissed or, when that doesn't work, banned. Hmmm, maybe the "powers" of CB really ARE the CRA, CA, attorneys, etc??????

Which example, by the way, was what they were calling a "threat" - as I read it, LK was reminding them that once censorship begins, people leave. They did, I did. Everyone loses. But I never read that as a threat, just a reminder. A demonstrably prescient one, in fact.

As for "lack of respect" - LOL... Jessica was definitely the first one to drop any respectful tone, almost from the first post but definitely by the third... her "my lawsuits are bigger than yours" was particularly disrespectful and, well, almost amusing - except for the fact that it really was pathetic, and not reflecting very well on CB.

Well, whatever. Too much ink already. I know LKH is well-respected here and other places, but his offensive "defense" (or was that more "defensive" than "offensive"? either way...) didn't sound right, must be more history there I'm not aware of... oh well, I just was reading to get some good info - though there were a few people there still trying to do that too, it's too bad it got terminated with the crap.

I have to admit, though, they were probably right to terminate that thread - it was definitely going downhill... but IMHO it was the mods that were fast degenerating and taking the thread down with it. I doubt it will take all of CB with it, but hope not. I expect it will remain useful to some.

Re: Re:Lizardking banned on Creditboards

Peri |

Did you ever consider, that when you said

" Need I remind you that this was the primary reason that Creditnet collapsed? I would be very careful if I were you. You are walking on dangerous ground with silly threats like that."

They might not have thought back to when CB first started, but thought back to when CN was having major major difficulties a couple of months ago?

Just a thought.

Re: Re:Lizardking banned on Creditboards

jpriafl |

Peri, can't anyone here (not only you but LK included BTW) just spell out what it is you're thinking or implying that someone else inferred or didn't infer??

I don't know what you're getting at, truly I don't. It could be taken about three different ways.

AFAIK, CB was created because some people thought other people were clogging CN with non-TOS stuff (like BBauer I think), whereas the only recent "major major" difficulties here was with the forum software - I could speculate about what your intent or implications may be from your statement abut your inferences about others' opinions of the implications of LK's sometimes non-specific (which he later made more specific as "predictions" not "threats") statements, but why would I want to do that?? I'd only be contributing to that which I am against...

Anyway, I don't see any heroes here, or villains.

Just people who are trying to communicate (isn't that what we're here for?) and others who are trying to quash it (isn't that what mods are supposed to prevent, not foster??)

I don't want some mod to determine what is "safe" for me to read - I do appreciate mods who try to strip out distracting or offensive posts. But when they are the ones who are offensive, it's time IMHO for them to rejoin the "modded" rather than the "modding".

BTW, someone did bring up a valid point about "proof" of LK's claimed filings - but if the settlements never get to the actual courts, would a search show just a "filing" if it's settled before a judge ever gets involved? But in any event, I think LK said that a judge was involved in 1 or 2 of the 20 previous actions.... how about it LK, got the cite? I'm all about facts to go with the information...

Re: Re:Lizardking banned on Creditboards

Peri |

gosh, I cant explain how little I care about any of it.

I was not trying to infer or imply anything. I read the thread. I saw where he was accused of making threats. I looked for possible threats. I found that post. I considered what or how that statement might be construed. I was not saying that he was threatening the board. I was saying that it might have been taken as threat, not a possible prediction.

I have no thoughts on the validity of his cases. I don't know. I don't care. I have no thoughts on who was pomous or rude... or who was a putz first or ever. I don't know. I don't care.I have no thoughts on his history on CB or CN. I don't know. I don't care.

The only reason I posted was to point out that things that are said, can be taken in many ways.
Re: Re:Lizardking banned on Creditboards
Re: Re: Lizardking banned on Credit

gilmores | 63 posts since Apr 2003 208.217.178.3 | 03.27.2004 @ 18:01

To all those who participated in this thread and the previously mentioned thread - THANKS for the entertainment. I thoroughly enjoyed it. I must say at times i prefer reading lively debates as opposed to how to get approved for a Citibank card for the 100th time.

LK - you got blasted on that site other site for being arrogant. Yes you were protecting yourself for attack, but that's why got dropped. As you've said before, if those moderating weren't participating it, this probalby wouldn't have happened. That final post on that thread (after you'd been removed) is a perfect snapshot of that board. Throwing jabs at you knowing you weren't able to respond.

Moderators and lead posters at that other site - You were getting pushed around by a little ol' poster and felt threatened. You used what little power you have to knock out someone that has provided lots of information for others. For that, you should be saddened, since it's your responsibility to allow info to be passed through the forum. You need to decide whether you want to participate or run the board, but you shouldn't be allowed to do both.

Any reader of these forums must understand they choose what to follow. I don't post much here, but I certainly read lots of info. Some I choose to follow, some I don't. That should remain our rights as forum participants to decide. That should CERTAINLY NOT be taken from us.

Finally, for those posting info on this site, please continue. I, as most, have found incredible insight in these boards and will continue to participate.

gilmores

2004-03-29T04:50:00.000-08:00
Re: Lizardking banned on Creditboards

Hedwig |

I think that Lizardking clearly stated numerous times--THIS IS NOT FOR EVERYONE. I like hearing what others have the nerve to do. They probably help to fuel some change, which may be needed.

And, as someone pointed out, we're smart enough to figure out what to do. LK's letters have been modified by many and toned down.

As far as personal attacks go, I certainly didn't get the feeling that Lizardking started anything. He stated what he was doing, and people started jumping on his case. He replied in kind.

If your board policy is that only the views of the moderators can be expressed, then I'm glad that my account isn't active anymore. I think healthy debate is a good thing.

But, why bring it here? I know that LK came here and posted because he can no longer post at CB. But others don't need to bring the fight here. As jlynn pointed out, it was LKH who started making the totally uncalled-for comments about Butch.

I agree with lb and the others--find a venue for your fights, but leave this for some healthy debate about the credit and lawsuits--not about why people can and can't post on other boards.

_________________
The Answer is 42!!

Re: Lizardking banned on Creditboards

jpriafl |

I read the whole thread...

First, I hope there's some place that LK can post his results. My credit's all clean now, but I remember when it wasn't and wish I'd known about CN back then (and LK's quests...) Anyway, in one of the last slams at him, one of the mods mentioned "unsubstantiated"... Well, Duh! If you censor out substance (which he clearly was attemtping to provide, not only from his first post but every single one of his replies to those that were actually trying to share information),

In any event, just for curiousity's sake, I hope I'm allowed to read his results here or at least somewhere. (Hey, LK, why not start a mailing list just for that??)

Anyway, guess no need to read CB then, if info of substance is dismissed or, when that doesn't work, banned. Hmmm, maybe the "powers" of CB really ARE the CRA, CA, attorneys, etc??????

Which example, by the way, was what they were calling a "threat" - as I read it, LK was reminding them that once censorship begins, people leave. They did, I did. Everyone loses. But I never read that as a threat, just a reminder. A demonstrably prescient one, in fact.

As for "lack of respect" - LOL... Jessica was definitely the first one to drop any respectful tone, almost from the first post but definitely by the third... her "my lawsuits are bigger than yours" was particularly disrespectful and, well, almost amusing - except for the fact that it really was pathetic, and not reflecting very well on CB.

Well, whatever. Too much ink already. I know LKH is well-respected here and other places, but his offensive "defense" (or was that more "defensive" than "offensive"? either way...) didn't sound right, must be more history there I'm not aware of... oh well, I just was reading to get some good info - though there were a few people there still trying to do that too, it's too bad it got terminated with the crap.

I have to admit, though, they were probably right to terminate that thread - it was definitely going downhill... but IMHO it was the mods that were fast degenerating and taking the thread down with it. I doubt it will take all of CB with it, but hope not. I expect it will remain useful to some.

Re: Lizardking banned on Creditboards

Re: Re: Lizardking banned on Creditboar

LKH |

The only response I will make LK is this:

And this is for those of you who think LK is a hero.

Several people have done records searches for the state you live in LK and there is absolutely ZERO records or you having filed any lawsuits in the past. Period.

Care to give us a link to substantiate your claims.

Re: Re:Lizardking banned on Creditboards

Re: Re: Lizardking banned on Credit

jpriafl |

Peri, can't anyone here (not only you but LK included BTW) just spell out what it is you're thinking or implying that someone else inferred or didn't infer??

I don't know what you're getting at, truly I don't. It could be taken about three different ways.

AFAIK, CB was created because some people thought other people were clogging CN with non-TOS stuff (like BBauer I think), whereas the only recent "major major" difficulties here was with the forum software - I could speculate about what your intent or implications may be from your statement abut your inferences about others' opinions of the implications of LK's sometimes non-specific (which he later made more specific as "predictions" not "threats") statements, but why would I want to do that?? I'd only be contributing to that which I am against...

Anyway, I don't see any heroes here, or villains.

Just people who are trying to communicate (isn't that what we're here for?) and others who are trying to quash it (isn't that what mods are supposed to prevent, not foster??)

I don't want some mod to determine what is "safe" for me to read - I do appreciate mods who try to strip out distracting or offensive posts. But when they are the ones who are offensive, it's time IMHO for them to rejoin the "modded" rather than the "modding".

BTW, someone did bring up a valid point about "proof" of LK's claimed filings - but if the settlements never get to the actual courts, would a search show just a "filing" if it's settled before a judge ever gets involved? But in any event, I think LK said that a judge was involved in 1 or 2 of the 20 previous actions.... how about it LK, got the cite? I'm all about facts to go with the information...

Re: Re:Lizardking banned on Creditboards

2004-03-28T11:52:00.000-08:00
Re: Lizardking banned on Creditboards
The people running Creditboards are the same folks who left this board cause there wittle feelings were hurt here because they wear them on their sleeves; so they left and setup their own little board.
Now it seems that they can't even get along with themselves over there so they are coming over here to duke it out with each other and want us to fix it and make it all better.

LET THE LITTLE CHILDREN PLAY BUT LET THEM DO IT ON THEIR OWN PLAYGROUND NOT HERE
skinderflirt

~~~~~~~~~~~~~~

They never take it off the report when we make it right so why should we take it off the docket when they do?

*** Victims of Credit Reporting ***
http://members.aol.com/victcrdrpt/Score.html
Special for newbies ------ Read these links
http://consumers.creditnet.com/stra...0243#post410243

2004-03-27T10:48:00.000-08:00
Lizardking banned on Creditboards
Lizardking |

It seems that they are desperate to keep me off of there and make the censorship known. They keep disabling my new accounts and deleting any thread I start.

I challenge the board moderators of Creditboards.com to show me where I wrote anything in that thread that would justify banning someone.

Lizardking

"If you make a man a fire, he will be warm for a day.
If you set a man on fire, he will be warm for the rest of his life."
Lizardking banned on Creditboards

Butch |

Join the club LK.

You're in a lot of good company.

:)

.

Butch,

"Fire is the test of gold, adversity of strong men".
Lizardking banned on Creditboards

LKH |

You were banned for your preaching of unethical methods for suing.

And Butch, we don't need to start again do we? I thought this was done and over with.

____________________________

www.creditboards.com
Re: Lizardking banned on Creditboards

Lizardking |

quote:
Originally posted by LKH
You were banned for your preaching of unethical methods for suing.

Please quote ANYTHING from that thread which would realistically justify censorship or banning my account.

I really want to know. I never used any profanity. I never abused to TOS. I responded to everyone who posted in a measured manner. I would even go so far as to say that the moderators who joined the debate were the ones being unprofessional and provoking.

Lizardking

"If you make a man a fire, he will be warm for a day.
If you set a man on fire, he will be warm for the rest of his life."
Re: Lizardking banned on Creditboards
jlynn |

A little over a year ago a bunch of you left because you didn't like the moderator situation, and announced this board would become mediocre because of all these people leaving...in fact there were several nominations for good moderators, some it appears, who have become such in other places.

Now you have issues with these mods in another place, and you want to bring your schoolyard fight over here? This is not the first time Cboards has banned somebody and then come to Cnet to duke it out.

Are we becoming the schoolyard so your own house stays "clean"?

LK - you haven't posted once since you left the building with the others..you want sympathy?

11/02 TU 530>615 FICO 613
EQ 510>676
EX 504>632

Do not start with me...you will NOT win

2004-03-26T10:46:00.000-08:00
Lizardking banned on Creditboards

Lizardking |

It seems I have been banned and censored by the board moderators on Creditboards.com

Here is the thread where it happened.
Lizardking banned on creditboards.com

If you are a participant on Creditboards.com please read this thread and decide whether I have written anything that is considered ban worthy.
Did I use profanity? No
Did I express my opinion and stand up for myself? Yes.
Did I perhaps step on the toes of a few sensitive moderators and make them feel insecure? I suspect that might be the case.
If you have time, please read the thread and post your comments. Thanks

Lizardking

"If you make a man a fire, he will be warm for a day.
If you set a man on fire, he will be warm for the rest of his life."

Running out on your bills.

2004-03-25T04:49:00.000-08:00
running away on creditors...

epsylon |

Hey, all, my sister devised the strategy where she would simply run away from creditors - sets her eyes on a town across the river in a diff. state, live with a friend (no phone bills, etc.) and just stay there for 6 yrs until the statute of limitations runs off on her debts.
While dumbastic and a biut radical - do you think this strategy may work?
And many thanks in advance!
Good night!
Eppy

2004-03-25T04:44:00.000-08:00
Closed/Past Due Account

fuschiasky |

Hello! This is my first time on the site. I have a CC account that shows up with a $3K balance and closed/past due 90 days. This account was sent to collections and payment was made. Upon payment it was agreed to be reported as settled in full. I have a letter from the collection agency stating that "the above referenced account has been setttled in full." Should I send a copy of this letter to Experian and TU (Equifax deleted it from my file)? Should I contact the credit company directly? I'm afradi that if I do and they report it, Equifax will add it back to my file. Please advise and thank you so very much for your help!!!

2004-03-22T05:34:00.000-08:00
Interest Rate reduction

coal |

Is it possible to get a reduced interest rate on a canceled credit card?
Fleet raised my interest rate based on my credit rating which is above 700. Is that legal and if not what can I do to get it down?

2004-03-21T15:50:00.000-08:00
Doesn't anybody respond

WhiteZone |

Doesn't anybody on this board respond to my question?

Doesn't anybody respond

Hedwig |

I just did--telling you that no one has probably responded because there is no answer.

_________________
The Answer is 42!!

Doesn't anybody espond

jenz |

only if they can answer the question. you wouldn't want people who don't know what they are talking about responding. also, there seem to be less people on during the weekend.

Doesn't anybody respond

hiding90 |

"you wouldn't want people who don't know what they are talking about responding. "

-What has stopped them before ? LOL :)~~

Credit card fraud

2004-03-17T04:40:00.000-08:00
Credit card fraud

Big_Steve |

Several years ago my father had a MasterCard account with AT&T; a Universal AT&T MasterCard which had a sizeable credit limit; $10,500.00. My father's financial affairs were being handled by a CPA in another state; my father's bills went straight to him for processing and payment.

Several years ago my father had assumed that his account with AT&T had been closed and thought nothing about it since my brother who had set things up with his CPA to take care of our father's affairs took all of our father's credit cards with plans of closing the accounts due to excess spending on our father's part. That was sometime around late 1998.

Now just last week our father receives a call from his current CPA who informed him that he had received an item in the mail from his previous CPA; the CPA who was to close the AT&T MC account but didn't. The item received in the mail from the former CPA was a statement from AT&T MC.

The AT&T MC account was still open; had never been closed and also still maintained a high credit limit; $10,500.00 and a recent charge appeared on the bill for $99.00 at a major toy store out in California. My father lives in Mississippi and has never been to California.

He immediately contacted AT&T MC and after further investigation AT&T MC was able to determine that the actual credit card was used at the toy store out in California; it wasn't an internet purchase but a CC purchase made at a bricks and mortar store out in California. My father immediately had the account closed once he learned that.

According to AT&T MC they informed my father that a new CC had been mailed out on his account by them to his former CPA's mailing address in September 2003. The former CPA denies ever having received the new AT&T MC. AT&T MC also advised my father to place security alerts on all of his credit files with the 3 major credit reporting agencies which he did.

I told my father once he receives copies of his current credit reports he needs to closely examine them to make sure that all of those other CC accounts which my brother claimed that CPA #1 did close did in fact close them otherwise there may be other CC accounts out there still open and active. Comments anyone?

End Of Message

2004-03-04T21:05:00.000-08:00
Bad Credit = NO LOANS, HELP!!!

tathepilot |

I'm a 26 year old pilot and I got offered a job flying a jet. Sounds good right? Wrong. I need to get some training done and the cost is around 7500. I need to get a loan for 3 thousand. Does anyone know of a bank or any other resourse where I can get this loan?

thanks in advance..

2004-03-03T21:03:00.000-08:00
Lexington Law Firm

itchyone |

If you are as unhappy as I am with your "service" you have received, or not received from Lexington, let them know, tell them you will file a complaint with the BBB and you will get a full refund. Be persistent if that is what you want..even go through with the complaint and make them go through with the paper work. You will get your refund!

2004-03-02T21:00:00.000-08:00
Need Mortgage

BrokerBass |

Hello! With a score of 590, you're most likely to be offered a sub-prime product... and no, the rates certainly aren't as attractive as those you see in the newspaper or on Lending Tree. You don't mention whether or not you're consistently employed, if you have downpayment funds available, etcetera. If you ARE employed and the home you've fallen in love with is within guidelines, you may be eligible for FHA financing (which offers attractive rates -- just like in the papers & on TV)! If you're NOT employed and intend to go with a 100% financing, Stated Income program, plan on an interest rate in the 9% to 11% range on a 2/28 or 3/27 product with a prepayment penalty. Hope this helps. Best Regards -- BrokerBass

Florida Licensed Real Estate Broker & Sr. Mortgage Lending Officer

2004-03-01T20:56:00.000-08:00
Investing for dummies

kelly001 |

Where do I start ? I have a Simple IRA through work and a Tradional & Roth IRA I set up when I was self-employed.
I'd like to invest a little more agressively in stocks of companies I believe in on my own ? And learn about the process along the way. I want to manage my portfolio online (sharebuilder ?). To tell you the truth I have no idea what my IRA are even invested in. So I want to take this chance to learn a little about investing by managing a few stocks on my own. I'm not going all out and slowly want to build on this with as little as $50-$100 / month. Is this a bad idea ? What are good ressources to do so ?

Thanks!

Creditwrench is Awesome

2004-02-28T06:03:00.000-08:00

benjakes |

Please don't delete! I started my "credit tweaking" about 4 months ago. I read and read, and couldn't decide if I should do it by myself or not. Many people were against Bill, and some were for him. For people who are looking for a "personal guide" my results I think speak for themselves. EQ and EX are up over 100 points, and TU about 50 in 4 months.

Bill's service is very much like a fishing guides. He has fished in all the lakes and can offer personal advice as to what lure works the best (I'm tickled pink whenever I think of a CA hitting on a lure and me reeling em in).

It is in your interest to read everything you can, which includes this board, as well as creditbords.com. You can learn something from each of them, and that is what it is all about it, isn't it? For the 200 bucks, why not get a third site and some very knowledgable advise as to what letters to send, the letters themselves, and what to do next?

cinderella |

If nobody brought up the Happy Easter thread, Bill may still be here.

I wander what Bill thinks of the movie "the passion of Christ", maybe Bill thinks it should be "the passion of Bill."

Cats Rule

Re: Creditwrench is awesome!

jlynn |

quote:
Originally posted by cinderella
If nobody brought up the Happy Easter thread, Bill may still be here.

I wander what Bill thinks of the movie "the passion of Christ", maybe Bill thinks it should be "the passion of Bill."

Thanks, I just spit coffee all over my computer this morning reading that!

The least you can do is loan me some Windex.

11/02 TU 530>615 FICO 613
EQ 510>634
EX 504>632

Do not start with me...you will NOT win

Proffesiion after BK

2004-02-20T16:17:00.000-08:00
Proffesiion after BK

Sebel |

Is there any profession you CANT do after BK??

Thks!

(PG) 596 Ex, 585 TU, 572 EQ
Exp(02/11/04) 635

Re: Proffesiion after BK

lbrown59 |

quote:
--------------------------------------------------------------------------------
Originally posted by Sebel
Is there any profession you CANT do after BK??
><- <>- ><- <>
How bout those you couldn't do before BK?
~~~~~~~~~~~~~~~~~~~~
A donkey had an IQ of 186. He had no friends at all though.
Even in the animal kingdom, nobody likes a smart-ass.
Government Waste is a Terrible Thing to Mind

*** Victims of Credit Reporting ***
http://members.aol.com/victcrdrpt/Score.html

Re: Proffesiion after BK

lbrown59 |

quote:
Originally posted by Sebel
Is there any profession you CANT do after BK??

Thks!

How about brain surgeon
~~~~~~~~~~~~~~~~~~~~
A donkey had an IQ of 186. He had no friends at all though.
Even in the animal kingdom, nobody likes a smart-ass.
Government Waste is a Terrible Thing to Mind

*** Victims of Credit Reporting ***
http://members.aol.com/victcrdrpt/Score.html

A mindless game

2004-02-17T03:35:00.000-08:00
Penguin Practice

Quixote |

This is good clean mindless fun:

A mindless game

My personal record is 565 yards.

Quixote

PayPal complaint

2004-02-16T07:44:00.000-08:00

ctshorse |

I sold an item on EBAY and got payment from buyer thru PAYPAL. Buyer used a CC.

Buyer lied about the descriptin of item not being accurate to PAYPAL. Never filed a complaint with EBAY.

I know for a fact the buyer found the item cheaper after receiving it and paying me thru PAYPAL.

I got my money from PAYPAL.

Here is the problem. PAYPAL allowed the buyer to demand a refund from me. I refused. Buyer disputed with his CC company and PAYPAL was forced to charge back the amount to my account.

Now PAYPAL has sent my acct to a CA for collection and I just rceived the first CA letter.

What do I do?

The buyer knew I sold the item with no refund policy except for damage in shipping.

Here is the funny part. I have yet to receive back the item from the buyer. He got the item and his money back from PAYPAL.

PAYPAL never got my SS#. How can they or CA report me to CRA without valid SS#?

MDX vs RX330 vs BMW X5

2004-02-10T22:37:00.000-08:00
MDX vs RX330 vs BMW X5

girl6 |

Which do you like best. Thinking of buying the new Lexus RX330 but like the RX300 older body style better. Does anyone else feel the same???

girl6(aka roni)

thrown out from creditboard because of you George

2004-02-09T16:28:00.000-08:00
Re: SLUGGISH

Denny |

Hope it will work for long time!!! :) Since I was thrown out from creditboard because of you George and I'm no more welcome there - I wouldn't have any other place to hang out. :)

Take care,
Danny

Help!

2004-02-05T02:41:00.000-08:00
Help!

Tiye77 |

Can someone tell me if there is live chat on this site or not? Im a new member and this web site metions having live chat but I can't find it.

Thanks for your help

Doc's short film on Lbrown59

2004-02-04T05:46:00.000-08:00
Doc's Short Film

PsychDoc |

Link:
A parody of Lbrown59 on creditnet

Link:
http://tinyurl.com/gy6x

Doc

.
.........................................................
resource: Who Pulled My Credit?...
http://groups.yahoo.com/group/whopulledmycredit/ >-·´¯`·.¸¸.·´¯`·.¸¸.·´¯`*

2004-02-03T05:44:00.000-08:00
IS IT JUST ME???

GEORGE |

OR IS IT REALLY SLOW???
600/700 CLUB MEMBER
100 POINTS TILL THE 800 CLUB (MOVED WRONG WAY!!!)
Copyright © "RANDOM NUMBER GENERATOR"
Copyright © BUMPAGE (STOLEN FROM LKH~~I WILL SHARE MY PROFITS)
UYGF~Copyright © MarkLA/Quixote
DODGERS 2003 2nd PLACE~~~2004 1st place???

GEORGE~~A.K.A. RODNEY DANGERFIELD

2004-02-02T05:30:00.000-08:00
Total Info Awareness: CRAs See

breck |

I should have said use a "highly anonymous proxy".

Here's a link
highly anonymous proxy server

And test that proxy here before using it:
Proxy tester

2004-01-31T18:28:00.000-08:00
An Attorney's Advice

AN ATTORNEY'S ADVICE
Read this and make a copy for your files in case you need to refer to it someday. Maybe we should all take some of his advice!

A corporate attorney sent the following out to the employees in his company.

1. The next time you order checks have only your initials (instead of first name) and last name put on them. If someone takes your checkbook they will not know if you sign your checks with just your initials or your first name but your bank will know how you sign your checks.

2. When you are writing checks to pay on your credit card accounts, DO NOT put the complete account number on the "For" line. Instead, just put the last four numbers. The credit card company knows the rest of the number and anyone who might be handling your check as it passes through all the check processing channels won't have access to it.

3. Put your work phone # on your checks instead of your home phone. If you have a PO Box use that instead of your home address. If you do not have a PO Box, use your work address. Never have your SS# printed on your checks. (DUH!) You can add it if it is necessary. But if you have it printed, anyone can get it.

4. Place the contents of your wallet on a photocopy machine, do both sides of each license, credit card, etc. You will know what you had in your wallet and all of the account numbers and phone numbers to call and cancel. Keep the photocopy in a safe place. I also carry a photocopy of my passport when I travel either here or abroad. We've all heard horror stories about fraud that's committed on us in stealing a name, address, Social Security number, credit cards, etc.

Unfortunately I, an attorney, have firsthand knowledge because my wallet was stolen last month. Within a week, the thieve(s) ordered an expensive monthly cell phone package, applied for a VISA credit card, had a credit line approved to buy a Gateway computer, received a PIN number from DMV to change my driving record information online, and more.

But here's some critical information to limit the damage in case this happens to you or someone you know:
1. We have been told we should cancel our credit cards immediately. But the key is having the toll free numbers and your card numbers handy so you know whom to call. Keep those where you can find them

2. File a police report immediately in the jurisdiction where it was stolen, this proves to credit providers you were diligent, and is a first step toward an investigation (if there ever is one).

But here's what is perhaps most important: (I never even thought to do this).

3. Call the three national credit reporting organizations immediately to place a fraud alert on your name and Social Security number. I had never heard of doing that until advised by a bank that called to tell me an application for credit was made over the Internet in my name. The alert means any company that checks your credit knows your information was stolen and they have to contact you by phone to authorize new credit.

By the time I was advised to do this, almost two weeks after the theft, all the damage had been done.

There are records of all the credit checks initiated by the thieves' purchases, none of which I knew about before placing the alert. Since then, no additional damage has been done, and the thieves threw my wallet away this weekend
(someone turned it in). It seems to have stopped them in their tracks. The numbers are: Equifax: 1-800-525-6285 Experian (formerly TRW): 1-888-397-3742 Trans Union: 1-800-680-7289

Social Security Administration (fraud line): 1-800-269-0271

We pass along jokes on the Internet; we pass along just about everything. Pass this information along. It could really help someone you care about.

2004-01-29T08:14:00.000-08:00
Creditnet has been down for more than 2 days now. Is it gone forever or is it just a temporary thing? May take a week or so to find out for sure.

2004-01-24T06:00:00.000-08:00
Letter Review Please ...

aletes |

CSC decided to list a Withdrawal of an IRS Notice of Federal Tax Lien (NFTL) as a Release rather than leaving the entire record off my report as they should have.

Please review the attached letter and give me some feedback ...

CSC Credit Services
P.O. Box 981222
El Paso, TX 79998-1222

To whom it may concern:

This letter is a formal complaint that CSC/Equifax inaccurately reporting a public record on my credit report. At the end of this message, I am including the Public Record as it is listed on my report for reference.

The Notice of Federal Tax Lien (NFTL) listed on my credit report was withdrawn by the Internal Revenue Service (IRS), which removes the public notice of the lien. The IRS has the authority to withdraw a NFTL under Federal law. The law states that when a notice of withdrawal is filed, the original Notice of Federal Tax Lien will be treated as if it had never been filed.

Authority: 26 U.S.C. 7805 * * *
Internal Revenue Service 26 CFR Part 301
§301.6323(j)-1 Withdrawal of notice of federal tax lien in certain circumstances.
[T.D. 8951, 66 FR 33465, June 22, 2001]

In my case, the IRS should not have filed the NFTL in the first place and has taken appropriate action to correct their mistake; I would hope that CSC/Equifax does the same.

With the proof that I am attaching to this letter, I am sure you will agree that the Notice of Federal Tax Lien should be deleted from my credit report immediately due the extremely damaging nature of the public record. When reviewing the attached documentary proof, do not make the mistake of treating the Withdrawal the same as a Release. I assure you they are not the same and are treated quite differently under the law.

In the event that you continue to list the disputed item on my credit report, I may find it necessary to sue you for actual defamation damages and declaratory relief under the FCRA.

Regards,

:evil:

2004-01-23T07:13:00.000-08:00
A perfect lounge type message

IncomeHelp |

I hope this is an ok place to mention this...

If you are sales minded I have started a forum to share your wisdom.

Moderators needed. This is about sales and selling for a living, or life if you will. This is not for discussing any of the wonderful topics here on the one and only creditnet.

If you participate it would be wonderful.

John

Share your Wisdom
Forum for Sales Minded People
Sales for life forum

2004-01-17T13:54:00.000-08:00
LMAO, I thought this was cute.

LMAO, I thought this was cute.

Shorty-red |

My daughter is on my Instant messenger, and she has her settings set so that her nic shows as :

"If at first you do not succeed, destroy all evidence that you tried." LOL!!

Shorty

2004-01-15T04:51:00.000-08:00
Suggestions for car debt handling needed!

Slugger |

I hope this is the right spot, but if not please move to the correct forum.

A few years back, I few victim to the new car syndrome and now am feeling the effects of it. It is now worth significantly less then what is owed and I was hoping for some advice on how to handle it best.

Difference between owed and value is about 5k with roughly 24 months remaining. The car is no longer feasible for it's purpose and a new one is needed but due to the "NCS" it has roadblocked any advancement.

Obviously, no private party will buy it so I haven't even wasted my time with that and as far as a trade-in goes they will only take it in exchange for a brand new car which I will never do again. Are there any other options available ? I know I am going to take a major hit by it and am prepared to but would like to minimize it as much as possible.

Do I have any other options that are available in a situation like this ? All advisement is appreciated.

Thanks in advance!

2004-01-12T16:51:00.000-08:00
Programable CALLER I D - L@@K>>>>>>
hjanus

YOU decide who calls and WHEN - Never before has something like this been seen LooK>>
Works with your telephone company’s Caller ID service. Caller ID
information is sent between the first and second ring on an incoming
phone call.
Depending on the mode of operation the call will either be blocked or allowed to ring your telephone.
Block Mode: Disconnect Call
This option will answer the call, emit disconnect (SIT) tones which
make your phone look like it has been disconnected and then hang-up.
Block Mode: Do Not Answer

This option will prevent your phone from ringing, but will not
disconnect them or emit the disconnect tones. To the caller it will
appear as if your phone is ringing and you are either not answering or
not at home.
In Screen mode, your phone will only ring when the call is from someone
whose number is stored in the Screen List, such as family and friends.
Screen mode allows you to choose who can ring your phone. Numbers can
be added to the screen list simply by pressing SCREEN while viewing the
Caller ID display, later while reviewing the history list, or by simply
adding the number in the Screen Menu. No more wrong numbers in the
middle of the night or telemarketers bothering you during your private
time.
The device is fully programmable so the user can customize it to his/her lifestyle.
MORE INFO/GET 1 Here >>
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