Reader mail
Sunday, August 02, 2009
Reader mail: help with Citi wrongful foreclosure
I am trying to contact you in reference to being registered at your Credit Court site. The site instructed me to contact the moderator of the site. I have a wrongful foreclosure with Citicorp., I am hoping to get some helpful information. Thank you.
...
I’m not sure where you read, if you send me the URL I’ll update that as I can’t work for free work anymore—the credit bureaus, banks and corrupt lawyers and judges bankrupted me. And I don’t like to charge for this kind of work as succeeding is difficult, takes a LOT of work and and obviously most people in foreclosure are broke anyway and extremely distressed and emotional. So I finally put some relevant links up and summarized my advice.
Please read some of the foreclosure links at http://credit-reporting-collection-ftc-complaints.info/links/ and especially “Dealing with foreclosure” at http://trado.info/node/73
If you can actually DOCUMENT fraud as Cindi and Lynette, I’ll be glad to submit a published complaint to regulators.
The complaints I already posted at http://credit-reporting-collection-ftc-complaints.info got results with respect to having the clients’ problems resolved, but they got no money because they didn’t sue and they had paid my $300 (or 50% Trado) “settlement” fee.
The first person to provide documentation of “wrongful” foreclosure and a concise factual summary gets a freebie.
This means that you probably have to work 20 to 50 hours putting your documentation in order, redacting personal info for the web, preparing a listing of documents and the chronological summary. NO SHOE BOXES!
Cindi with the FNMA foreclosure was HIGHLY organized and eventually she DID get her house back. I sure wish I knew then what I know now.
I’ve never seen foreclosure accounting without fraudulent charges.
The key to success is to properly demand accounting and DOCUMENT (record calls) and keep a log of everything that happens. And of course it helps if you have litigation experience or you’re willing to take your proof public.
I’ve been dealing with Citifinancial regarding a repo.
They agreed to a short sale for $4,500 and recommend CarMax for the sale. The outstanding balance is about $7,500. When I contacted them after CarMax came in below $4,000, they decided that they wanted over $5,000.
These morons have the nerve to tell me about my client having signed a contract when they just broke their promise to take $4,500. Of course I recorded the calls and it looks like my client will drop the car off at one of their offices. If they later demand the deficiency, I can prove that they lied and caused the losses. My client had me contact them when he wasn’t even 30 days past due and he did everything possible to minimize their losses.
Never forget that you’re dealing with PURE SCUM, with people without conscience, integrity and ethics and they don’t care who they kill to get a few bucks.
Thursday, July 09, 2009
Reader mail: American Agencies didn’t delete after payment of Pac Bell collection
I would appreciate any information you can provide me concerning American Agencies Collection Service. They came after me four years after I had terminated service with PacBell. After they had collected their money they refused to remove their collection from my credit report as they agreed. They stated that the credit services would not allow them to do that. However, I was under the impression that anything can be removed if the company requests removal. If you are still involved with this, please respond.
...
I’m not involved with American Agencies, but it wouldn’t make any difference if I was.
I hope you can PROVE that they were going to delete after payment.
If not, you’re out of luck.
I highly recommend reading my regulatory complaint about Portfolio Recovery at http://credit-reporting-collection-ftc-complaints.info/ I suppose it’s a little late for you, but unless you can get VIOLATIONS it’ll be next to impossible to get the collection deleted and you paid to have your FICO scores lowered until they have to delete in a few years. Make sure the reporting is accurate and that the account isn’t re-aged.
Please tell your friends NOT to pay collections reported as such on credit reports unless they get the deletion promise in writing or they have a recording.
Even better, DO something to get some legislative changes.
Christine
Wednesday, April 22, 2009
Reader mail: Credit counseling nightmare - “authorized?” user destroys mother’s credit
I have an interesting problem…
I set my mom up as a user (not a primary account holder) on my Target and Capital One accounts years ago. In the interim I ran into financial difficulty and could not pay them on time. I have recently signed up with a credit counseling service and am making payments.
My mother wants to buy a house (great timing, huh), but the accounts are now showing on her credit report. And showing as delinquent (despite the fact they accepted my payment). These accounts were not on her credit report before. She should not be held accountable for my problems. She is so angry with me, she can’t even speak to me and we live together! I’m at the end of my rope and don’t know what to do to fix this. I’ve contacted Target, Capital One and my credit counseling agency and haven’t gotten any help.
Is this a problem you can help with? I need to find a way to get her credit fixed, and I’ve been reading your site trying to figure out what to do.
HELP!!!!!
The million dollar question: Is your mother an AUTHORIZED user?
If so, she merely needs to contact Cap One and Target to have her name removed from the accounts and then dispute in writing with each credit bureau:
“[account names]—please delete these accounts as I am no longer an authorized user.”
If your mother signed an application, she’s in trouble. Hopefully she is really only an AUTHORIZED user.
And I really hope you’ll NEVER make another payment to CREDIT COUNSELING.
Your credit is SHOT!
That’s shot as in DESTROYED.
There is absolutely NO reason to finance the criminals who are maliciously destroying America.
It is VERY unlikely that they will sue you, especially if you take action to protect yourself. And until they have a judgment, there’s NOTHING they can do to get your money. You don’t seem to own a home and whether they can garnish your wages AFTER they get a judgment (IF they get a judgment) depends on your STATE law.
Stop paying collectors (credit counselors) to take your payments and if you really have no use for the money, donate it to your favorite charity.
At CreditCourt is the fully DOCUMENTED Capital One credit counseling fraud.
Don’t be a sucker, use your money to help the PEOPLE who are struggling to get by.
Tuesday, April 14, 2009
Reader mail: resolving National Credit System judgment
I have a judgement reported to Experian from Nat’l CrSys. I’m thinking it is from you guys. If so, please tell me what this is about and how it can be resolved. Not much information on the credit report.
Thanks
It is so tempting to settle this judgment. Every few months somebody wants to pay me.
The major reason to volunteer to pay a judgment is because you are about to buy or sell real estate. You definitely do NOT want to have the title/escrow company pay them in full + interest.
I’ve settled judgments for as little as 10%, but it depends on who holds the judgment and how old the judgment is. The credit reports often don’t have much info, the recorded document does. And keep in mind that the tri-mergeds and myFICO reports purge most reported info.
IMPORTANT: Your credit rating will NOT improve by paying a judgment unless the judgment creditor agrees to VACATE the judgment.
You get NO FICO score points for paying collections (reported as such), liens and judgments.
Credit - Collection - Economic News • Reader mail • (0) Comments • Permalink
Reader mail: Looking for attorney to take on Wells Fargo in Alabama
Searching for an attorney willing to take on Wells Fargo for credit damages and fraud. Am in Alabama and have seen a couple who are just too shy to take on the big guys.
Unfortunately, it’s very unlikely that you’ll find a competent attorney unless you’re loaded with cash.
After 7 years of litigating against large corporations (banks, collectors, credit bureaus, Verizon, DirecTV, ...) I can see why consumers can’t find representation.
The attorney would have to be a millionaire. These cases are extremely time consuming, they file all these frivolous motions, discovery, depositions and then maybe even an appeal. It can take many YEARS to get paid.
And, Wells Fargo might not be around in a few years and then you can’t even collect.
You’ll have to “create” justice any which way you can. I just posted about the court’s denial of the CRAs’ and NCO’s entirely frivolous motion to dismiss.
The judge didn’t even mention their lies and invited them to file a motion for sanctions!
While federal judges generally despise pro se litigants, many don’t like consumer attorneys either. They worship the corporations and I guess that’s why they are appointed by the president.
If you have guts, go public. If you put together a good case summary, maybe you’ll find an attorney. But don’t count on it, it’s rather unlikely.
Most likely, it’s a lot easier and will save you many tears if you accept your demise, accept that you live in corrupt country and focus on surviving.
If you’re a fighter, create your own justice, don’t waste your energy on the courts.
Credit - Collection - Economic News • Reader mail • (0) Comments • Permalink
