MyFairCredit.com is cream skimming for corrupt consumer lawyers
You may recall my recent posting about MyFairCredit.com
On 8/22/05 I sent my request for representation to Hyung S. Choi. His resume is quite impressive.
On 8/27/05, I sent the email again. Since I still didn’t have a response, I finally called Mr. Choi today to inquire whether no response means “not interested.” He promptly called me back.
Unfortunately, I can now tell you with certainty that the CONSUMER lawyers are the problem, not the CRAs, banks and creditors.
I told him about my cases and nothing sounded familiar to him, he said he gets a lot of e-mail. I then told him about my websites, he remembered having been to my now closed creditforum.org years ago, but he had no idea what I’ve been doing. So I gave him this URL, and it didn’t take long until he told me that there was no way that he would represent me because I filed the AZ Bar Complaint (currently still prominently linked to your left) about the lying scum sucking bottom feeding Capital One attorneys Joseph Udall, Kathleen A Biesterveld and Kevin D Quigley.
Mr. Choi said he knows them and I hope this is a fairly accurate quote: “A federal judge would not look kindly on someone who filed a Bar complaint.”
I asked Mr. Choi several times to e-mail for posting here why he won’t represent me and he declined to do so. I told him how I hate to have to read between the lines ... he refused and told me that I could publish whatever I want.
Is Mr. Choi saying that his reputation would suffer and the judges would rule against him if he decided to represent a consumer who got tired of the lies and perjury and filed a Bar complaint?
I talk about corruption a lot, but I really didn’t think that FEDERAL JUDGES are that CORRUPT!
Of course I know about Cybil Edwards (did I spell the name wrong, where are the sites about her case?) and many of these political cases where people got railroaded. But, my suits are about very basic credit reporting issues, not at all important to national security or politics. Right?
I obviously don’t know whether Mr. Choi’s concerns about the federal judges are correct—and I have no way to find out whether his career would really be over or seriously damaged if he represented me.
However, once again, just follow the money:
Who writes Mr. Choi’s and every other consumer lawyer’s paychecks?
Experian, Trans Union, Equifax, Capital One, .....
So, I think the real reason is that Mr. Choi doesn’t want to strain his “working relationship” with scum like Udall, Biesterveld and Quigley. I’m sure they would be very upset if he *sincerely* represented me, although they are not party to my 1st case and I wasn’t even looking for an attorney for the case with Cap One right now. (See my e-mail to attorney Choi below.)
By “sincerely” I mean immediately getting a preliminary injunction requiring that Capital One report the credit limits on MY reports.
Why is Capital One still refusing to report the limits after 2.5 years of litigation?
BECAUSE THEY CAN.
My Demand for a new FFIEC Advisory Letter Requiring the Reporting of Credit Card LIMITS to CRAs
I read Hyung Choi’s bio, interesting cases, but Capital One isn’t mentioned. Neither are the credit bureaus. They are the consumer lawyers’ goldmine.
Every secret settlement is another fat paycheck.
And through the SECRET settlements, the consumer lawyers ensure that they get to file the exact same suits again and again and again—they just change the plaintiff’s name and maybe a few specifics.
There is really NO reason for Capital One not to be reporting the credit limits. The FRCA is so clear cut, requiring creditors to report “complete and accurate.”
Yet, the lawyers do nothing - except for arranging secret deals.
The Braun Law Group has a class action against Cap One regarding the limits. I’ve asked for the case # so I could get the filings through PACER, thought that might help me. I got nothing.
I’ve had a lot of bad things to say about class action lawyers lately, you may have read my recent posting:
The WORST class settlement EVER was negotiated by Lewis Stephen Kahn, Kahn Gauthier Law Group
And here’s some more on secret settlements:
The Ameriquest offer and why confidential settlements suck
Not ALL lawyers suck. I know a couple lawyers who really cared about representing people for what’s RIGHT—seeking JUSTICE—not just for a paycheck. One of them quit out of frustration, after struggling to get through law school as a single mom. One didn’t make it - but might be back. Probably transformed and part of the system - and as corrupt as almost all are in the consumer credit reporting scene.
Recently a lawyer contacted me about the reporting of judgments that are paid in a timely manner.
Why does exercising your right to seek justice in court mean that your credit has to be destroyed even if you pay the judgment right away?
So, not all lawyers suck, just most and especially the ones that have the skills and power to make a difference, but choose to go cream skimming instead.
I’ve seen so many consumers get screwed by their lawyers.
In one case a nationally known FCRA attorney settled for a few thousand (mostly his legal fees) without his client’s permission and then testified on behalf of Equifax to enforce the settlement. I promised the consumer confidentiality, so I’m not going to post who that asshole is. The judge ruled in favor of the consumer.
According to the reader feedback I get, most cases are settled for deletion and maybe a few hundred or thousand dollars. In almost all cases the attorney fees are much higher than the consumer’s share. And those are the lucky readers, at least 99% never find an attorney to take their case on contingency.
I don’t think that any reader has ever submitted a judgment or a settlement for posting UNLESS the consumer litigated pro se.
There are three types of lawyers:
1) They specialize in FCRA/FDCPA cases—some good lawyers and some who fake it, mostly cream skimming.
2) The lawyers who take your retainer, they don’t know shit and just rip you off. A great way to find those is to join Prepaid Legal. Yes. I got that desperate and that’ll be a separate posting.
3) Lawyers who are your personal friends or relatives, don’t know anything about credit, but are willing to learn and to write a letter. That’s often a consumer’s best chance of at least getting the credit reports corrected.
I’ve got great documentation and I haven’t lied to the court or submitted false disputes to the CRAs. I did nothing wrong - other than to stand up for my rights and to publish what’s really going on in the legal profession and in the courts. I didn’t expect any attorney to take my case, they didn’t want it 3 years ago. But, I had an obligation to see what MyFairCredit is all about and I don’t want to be an armchair quarterback. So, now I know, and you know.
A reader’s MyFairCredit experience:
She wasted her time and money to go to an appointment “downtown”, only to be told that she has no recourse against AmEx due to the incorrect reporting of a business account.
What a freaking idiot - licensed to practice law. The attorney told the reader that as a business owner, the consumer was supposed to be more sophisticated and that AmEx is excluded from the FCRA when reporting business accounts. It’s hard to believe a lawyer would say something so stupid.
In an interview about nano tech and amazing stuff in development, including not having to sleep anymore, Joel Garreau just said on the radio:
“… or lawyers who don’t sleep anymore, what a horrifying thought that is.”
Maybe a bunch of lawyers are already in a pilot study ... that sure would explain a lot.
EVERY account reported on a consumer credit report is covered by the FCRA.
Now that I think about it, no lawyer could be so stupid. The lawyer probably didn’t think there was enough money in the case and just said that to get rid of the consumer, maybe she’s the wrong color or wasn’t dressed well and didn’t appear very damageable. Not worth the effort.
I wish people would just come forward and post names. Americans are so afraid .... and as my own experiences show, rightfully so.
Summary:
MyFairCredit is cream skimming for “sexy” cases.
If you have damages due to ID theft, preferably documented by mortgage declines and even better, the loss of your house, you have large medical bills, Prozac or Valium prescriptions, your psychiatrist will testify about your suffering and mental anguish, and no PRIOR medical problems—you’ll have attorneys lining up.
MyFairCredit is the equivalent of the mortgage fax with nothing but false advertisements
I’ve lost my respect for NACA too. Nothing but another organization to help lawyers exploit consumers. I’ve reposted some of their calls for action, regarding the bankruptcy reform and mandatory arbitration. It’s all so freaking lame. And obviously NOT working!
Not one of those damned lawyers has made a difference. Not to my credit rating, and not to yours.
They’re in it for their bank accounts, and let’s face it, that’s what good Americans are supposed to do. I’m by no means expecting lawyers to work for free, heck, the more they can take from the CRAs and creditors, the better. But they have NOT even made an effort to change things. So many lawyers have personally contacted me over the years and assured me how sincere they are. And I’ve waited and waited and waited for *something* good to happen.
The Chase release was viewed 127,674 times in the first 2 weeks through just one outlet. I have no idea how many times it was accessed at the various sites where it’s reposted, but obviously there’s a tremendous interest. It takes a PRO SE litigant to come forward, to document the totally illegal Chase rate increases and the Chase contempt for its customers:
The Target release is next and this posting is an outline for my release on so-called consumer lawyers. As always, I strive for accuracy and I’d sure like to see what the lawyers have to say.
URL and “I’ll greatly appreciate your comments” e-mailed to:
Hyung S. Choi - (the only AZ attorney listed at MyFairCredit)
David Anthony Szwak - (sent me the request for the link)
Leonard A. Bennett - (made some good case law and testified for Congress, but OBVIOUSLY that made no difference to consumers)
Ira Rheingold - (NACA submitted lots of amicus briefs until 12/04. What happened in 2005? And why are consumers rapidly losing more and more rights? Why have I sent so many readers to NACA and I don’t get any positive feedback?)
And here’s my e-mail with my request for legal assistance and the description of my situation:
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Re-sent 8/27/05—just wondering if maybe an e-mail got lost or whether no response means “not interested.”
Christine
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8/22/05
Hi Hyung,
I learned about myfaircredit.com today when David Szwak sent me the invite for a reciprocal link and I found your listing there with your rather impressive bio.
I’m not sure where to begin, especially since I don’t know if you are familiar with my situation and what I do. I survived the MIS - CreditData SW motion for summary judgment last year in June on 13 counts, the order is posted at http://forum.creditcourt.com/discus/messages/803/1288.html The remaining other defendants are Verizon (billing fraud) and Nelnet (incorrect late payments and bk reporting on student loan with flawless payment history) - those should be easy to settle.
Also survived the motion for summary judgment regarding a hard inquiry by CIC. For Experian I have essentially the same claims as for MIS.
In Feb. T-Mobile submitted a $3k offer of judgment which I gladly accepted as I’m continually struggling to pay my bills, it was their response to my letter to all D’s requesting a scheduling conference call. I since found that I have NO clue and I simply can’t move this case along and I’m surprised it hasn’t been dismissed yet for inactivity.
I’ve gotten so desperate for legal advice, I finally subscribed to Prepaid Legal in January, but have had nothing but problems with the referrals.
My plan was to summarize and document my claims against Nelnet and Verizon in press releases—ASAP, but I just don’t get to it.
I have one credit card with a 0 balance with Cap One and a limit of $7,000, I’m willing to pay that as a retainer and I was hoping to be able to use settlements to keep on going and to finance some depositions and get a “real” settlement from Experian. And then use that for the 2nd case.
My second case is against Cap One and Target for the refusal to report the limits, Equifax with a gazillion FRCA violations and Ameriquest. The judge just sent out the scheduling order encouraging immediate discovery and I was hoping to soon get some discovery requests out and I will be promoting the limit issue extensively in press releases. (Don’t know why judge Broomfield didn’t issue such an order for the first case, don’t think he likes me.)
Here are my Ameriquest press releases, read about 150,000 times at PRweb: http://www.prweb.com/releases/2005/1/prwebxml195723.php and http://www.prweb.com/releases/2004/9/prweb156653.htm
Today I got sidetracked with Trans Union’s fraud: http://fight-back.us/forum/index.php?showtopic=894 This will be another press release “soon.”
This is what I LIKE to do. As you can see, I have plenty of things going on and I am willing to let you do whatever needs to be done in my first case. I am aware that lawyers don’t like the publicity (other than after the case has been terminated) and I am agreeable to not post about the litigation if you decide to take this case.
While my primary goal is to show the American public how corrupt the legal system, legislators and regulators are (my comments to the FTC and FRB are at http://fight-back.us/forum/index.php?showforum=24 ), I’m pretty much done, I did all I can do and I’m going to move to Nicaragua to get away from the misery, exploitation and poverty here. I’m too much of an empath to be able to survive in America, but I do intend to keep all my sites up no matter where I live.
Well, I’m sorry, this got longer than planned. Please let me know what you can do for me,
Christine
Posted by Christine on 09/13/2005 at 04:22 PM
Credit - Collection - Economic News • Court - rulings - procedures • NACA - Consumer Lawyers EXPOSED • (15) Comments • Permalink
Well as you know Christine I had a fantastic case against the Cra’s and a few banks. Slam dunk violations that any one of the above mentioned
bottom feeders could have taken and made some real changes in how credit is reported. Putting into case law that the FCRA says information must be accurate and comlete, which seems to be the root problem with credit reporting. The most notable liwyer above even had the indisputable evidence in front of his worthless eyes.
However if these so called consumer lawyers make actual changes to case law in favor of the consumer then they would have less work. I have come to the conclusion that the NACA in reality works against the consumer.
Yeah, Randy, I know you had a great case. And I know that the NACA lawyers turned you down.
The lawyers don’t have to CARE about consumers just because they represent them. You wouldn’t expect attorneys truly caring about murderers just because they represent them.
What’s so incredibly sad is that the consumer ADVOCATES are all fake.
NACA stands for National Association of Consumer Advocates—and they’re just not coming through. They should change their name to be just for lawyers and I’d be a little less disappointed.
Nobody HAS to care about anything, I just object to continually being lied to and deceived.
Notably, there is a junk fax list where attorneys help pro se litigants. They don’t have a national association, they don’t present themselves as advocates, they just help people win their cases.
NACA has an FDCPA list, but it’s ONLY for these God damned lawyers.
I’ve been trying to do what they SHOULD be doing - with NO resources at all, no cash, no legal skills - and no matter how good a case a consumer had after the CRAs and creditors failed to correct the reporting - I could not help them because I’m not a lawyer. That’s not to say that a lot of readers didn’t prevail or at least get their credit corrected through small claims. But most people are too afraid to go to court alone.
I really don’t understand why NACA didn’t put up a forum for CONSUMERS, with FAQs on how to properly dispute, get accounting and document everything so than when the CRAs or creditors continue to violate the law, THEN one of their lawyers has a good case.
NACA doesn’t do this because it’s NOT about getting a good case, but it’s about finding wealthy seriously damaged consumers.
At the very least they ought to provide PRACTICAL legal advice to pro ses for a fee.
I would have long sent out my discovery requests if I had a sample to work off. I checked the Kingman law library, they don’t have a single book on federal law.
And all these so-called consumer advocates know how I’m struggling, not one ever offered to help.
NOT ONE.
David Szwak sent an e-mail this afternoon and I decided to open a new forum at Fight Back!!!:
Cream skimming CONSUMER ADVOCATE lawyers sold out to the corporations
Who knows, maybe once we get past the “By the way, are you solvent?” something positive might come out of this.
And if nothing else, it’s the TRUTH.
Hello,
I read through your blog comments and agree with you on most points. I got into the whole consumer credit fight after a slick attorney filed a law suit against my mother for a medical bill. My family has gone through alot of financial hardships in the last two years. Although I have a law degree and am licensed in DC to practice law, I cannot represent my mother in court until I pass the CA bar exam. The reason that I share this with you is because I see both sides of the issue. I had to become familiar with consumer law in order to do the prep work on my mother’s case (I have to hire a lawyer to go into court b/c I can’t legally do it myself even though I can do the rest of the work). Most consumers are like my mom, who allegedly owes less than $5,000. For most attorneys, taking a case like this does not provide a high rate of return because (in most cases) the retainer is the same or less than the amount the debtor owes. In addition, the collection agency attorney’s do not have to do anything until they go to trial (which normally last a couple of hours or less). The paperwork is done by underpaid paralegals and legal assistants. If the consumer loses the case, he/she has to pay the collection agencies attorney fees (in most cases). The collection attorneys benefit from the above scenario and I believe this is why it seems to be open season on consumers. On the other hand, debt is a personal and embarassing experience to admit. Some consumers actually owe the debt but for whatever reason (financial problems, etc) they don’t tell their attorney the entire situation. Although credit/collection agencies may violate the FDCPA when trying to collect the debt, many people will not even consider paying the debt for this reason alone. THis makes it difficult for the attorney to negotiate a settlement even when balancing the fact that there may have been violations of the FDCPA.
YOu mentioned in your blog the frustration with consumer organizations because they are “not doing anything to get the law changed.” It takes a long time to change laws. Most organizations are nonprofit and depend on donations and grants in order to compete with the collection agency attorneys who have endlist amounts of money to influence legislators to create laws to protect their interest. If it was not for consumer rights agencies we would not have the FDCPA. As you know, this law has changed many times over the years. You may feel frustrated with these organizations but keep in mind that another obstacle to successful legislation is determined by the political party that is in the presidential office. And as you have also noted, in the last 5 years it has been extremely difficult for consumers to prevail in getting stronger legislation or even enforcing the laws already in place to protect the consumer.
You may have already posted this information, but there is more that you can do to get back at bad attorneys. If you chose not to sue them, check the state legal disciplinary board. In most states, consumers can file complaints against an attorney that “self deals,” accepts a settlement without the clients permission or without notifiying the client, or accepting a client’s case where there is a conflict of interest. These are clear violations that if proven an attorney could be fined or lose his license. Another remedy for consumers is to get a clear and detailed retainer that explains what will need to be done in their case, how much it will costs, and the additional monies needed if more work is needed to handle the case. Any unused money from the retainer is supposed to be returned to the client. Once an agreement has been made and signed, the consumer should request an itemized detailed bill from the attorney at each stage of litigation. This includes copies of all documents that are sent out on the consumers behalf. This will help to keep the consumer abreast of what is going on in the case and also builds a case against the attorney to prove that the consumer was overcharged or that the retainer was not used appropriately. It is perfectly legal and customary to get a copy of your entire file during and after the case is finalized. Attorney’s who fail to honor this request can be sanctioned.
As a pro se litigant you have done quite well in representing yourself against the creditors. (better than most attorneys) Keep doing what you are doing. You are a great example to other consumers on fighting for your rights.
lawlesskat
Much appreciate your comments, Kathleen, especially since you’re the first attorney to have something to say on this subject.
Of course I understand that profits play a serious role in any business and I don’t expect every attorney to work for nothing or to really care.
BUT, why aren’t there at least one or two consumer rights attorneys who occasionally ignore profitability and why don’t at least a few of the big firms set aside 1% or 2% to help the general public by providing free legal advice and sharing their experiences?
Most of what I learned about legal concepts comes from the JUNK FAX litigants. They are NOT presenting themselves as consumer advocates, yet they have a list for lawyers AND pro se litigants and they share and help each other. Of course there are members who only TAKE and don’t share, but I definitely learned a lot.
Why can ANYONE subscribe to TCPAlaw.com and get case law, new decisions, FCC regs etc. for JUNK FAXES, but there is nothing for FCRA and FDCPA cases?
The CONSUMER lawyers only share with each other and on a very limited basis.
I, as a clueless unqualified pro se litigant, have to try to help other consumers, the blind leading the lame.
By 12/29 I have to oppose the Target motion to strike all my exhibits and my affidavit and I don’t have a clue what to do.
*** I should be able to review several actual motions, the responses and rulings and a listing of relevant cites and take the best of what applies to me.
*** I should be able to pay a qualified lawyer $500 to write it for me.
The sorry fact is, I can’t do either, it’s just not happening.
And when it comes to the consumer organizations, I might change my tune once I’ve seen their financials and the compensation charts. To date and despite my requests, ACORN refuses to provide anything. To me, that means guilty as charged: CORRUPT
Have I posted the “accounting” for my retainer with Buehler and Jones? I can’t remember right now, so much going on. They comply with the rules by providing me with the detailed statement. But how many hours can an attorney bill for ONE e-mail that would take me less than 5 minutes to write and contains entirely WRONG info?
“It is perfectly legal and customary to get a copy of your entire file during and after the case is finalized.”
Yet many thousands of people can’t get copies of the spam disputes the credit repair lawyers send to CRAs and my complaint about Lexington with the Utah State Bar several years ago was ignored. Lexington STILL doesn’t provide the dispute letters to their clients.
Can you think of ANY other area of law with the lawyers claiming that their communications on behalf of their paying clients is confidential because it is proprietary - refusing to provide copies of letter THEY sign with the CLIENT’S name to the clients?
Anyway, I think the biggest problem with lawyers is that they are completely unable to think in terms of problem solving and really making a difference.
It’s all about quickly settling the next case, without ever once thinking about publicizing a losing case, publicizing how they can’t make a living taking these piddly cases with the laws as they are, publicizing what’s wrong with the courts, raising awareness with the general public and making an effort to make people understand what it’s all about.
Again, it’s not anything I’d expect every lawyer to do, but with literally hundreds of thousands of lawyers, why aren’t there just a few with a heart?
I also know what you mean about lying consumers. I have that problem too, see It’s not KARMA, it’s GIGO
Yesterday I received the charge-back from the client who caused me to post about my lying clients, for both the CreditFactors subscription and the Analysis. The reason for the charge-back is “unauthorized charge.”
Yeah, there’s all kinds .... and if attorneys also explained these issues at their websites, maybe more people would understand how important it is to be truthful and that lying is NOT cool - unless you are a corporate attoreny, then it’s perfectly fine (see my complaint with the AZ Bar about the Capital One attorneys).
I thought that FCRA and FDCPA attorneys would be thrilled to work with my clients, as I know what really happened and I would never recommend any client to an attorney when I’m not certain that there are no lose ends.
Also, when it comes to collection claims, how hard is it to send a letter to the collector, briefly stating the client’s position and claims along with a settlement offer and if there is a valid debt, you’d know BEFORE you file suit?
But all the attorneys just want people with huge damages and they say stupid things, such as that bankruptcy is the worst damage you can do to a credit report.
And then you have big shot firms like Edelman sanctioned for essentially attempting to extort a settlement payment when there are so many REAL problems to deal with.
I think I posted about that in my SUMMARY - along with a lot of other relevant stuff.
I still think that if I had the funds to pay just one (part-time, recent graduate) attorney with a passion for consumer rights, I could make a nice profit on the “piddly” cases by utilizing ALL resources, press releases, web site publications, small claims, *real* court, and with some clients, main stream media.
I know that there are at least 2 sides to all issues. What bothers me most is that none of the problems are openly discussed by the legal community - with you being the lone exception, thanks again.
Hello Christine,
thanks again for your comments. There are attorneys that take consumer law cases on pro bono basis but it may vary based on which state you live in. They have attorneys in CA that take consumer law cases but as you said, the demand is high and there are not enough attorneys. You can get a solo practictioner to take the case i.e. writing a letter or two as long as the particular situation does not take a lot of time. I plan to do this when I pass the bar. I already have most of the information that I need to handle most cases.
Here is some info that you might already have but in case you don’t, it should be helpful. You mentioned the difficulty getting case law. Go to your local law library. The library will have consumer and civil practice manuals that will explain how to go about handling a case and it will provide you with all the updated case law for both plaintiffs and defendants. This is the same info attorneys use to get up to date on a specific area of law. You have already completed alot of legal research so this will not be a problem for you. The law librarians are also very helpful in guiding you to the right resources. Also check out this website:
creditinfocenter.com. Lawyers, Collection agencies and consumers go to this website for info.
Goodluck
Kathleen, after 15 years of looking for attorneys for consumers, I have yet to find a COMPETENT attorney to refer to. I’m not talking pro bono, I’m talking on contingency, which means they’ll get paid.
Of course they all want my referrals, but as I described in detail, they’re cream skimming. And I’d like NOTHING more than to be *proven* wrong.
Regarding the law library, here’s what you and most of the “advantaged” Americans don’t understand. Just because YOU can drive to your law library in 1/2 hour doesn’t mean that this is so for EVERYBODY.
I live in the desert and that’s why David Szwak calls me trailer trash. I’m proud to be here though, with the disadvantaged, the people who don’t get mail delivery at their house, drive 75 miles to the nearest supermarket and a law library with NOT one book on federal law.
“This is the same info attorneys use to get up to date on a specific area of law.”
It’s no wonder they’re not taking these piddly consumer FCRA cases if they can’t do better than hang out at the law library.
For $250/year I can have everything I could possibly want to know about the TCPA INSTANTLY online at tcpalaw.com and I don’t waste a drop of gasoline!
Not to mention my time.
Kathleen, what do you charge per hour? Why are you defending a system that does NOT work, not for you, not for me, not for any consumer attorney?
Why don’t you want an online system that works and enables attorneys to make a profit with those piddly consumer cases?
Why would I make the 500+ mile round trip to Phoenix to spend a few hours at a law library?
Next: creditinfocenter.com
That site is owned by pervert Kristi Welsh who wrote a book called “Good credit is SEXY”
She advertises EVERY scummy credit repair, debt consolidation and credit card outfit there is - as long as it’s profitable.
The people who post there are GUILTY of supporting the corrupt system I’ve been fighting for the last 15 years. Not to mention that most are a little dimwitted and they’ve accomplished NOTHING. I would NEVER EVER go to that site for legal info.
There are several other AD FREE credit forums where people COULD post, but they CHOOSE to support Welsh’s corrupt site.
If I operated like Welsh, I’d be wealthy and I’d have the funds to pay the best AZ lawyer to represent me. I can’t believe that you as an ATTORNEY can’t figure out what’s going on.
Or you do, and you just don’t care.
This is about as frustrating as it gets ...
I know you have frustrations, but I am only trying to help so no need to be rude and judgmental.
1. I do not have an “advantage” because I can go to the library.. I just happened to live in a metro area. The issue of access to resources whether legal or otherwise is a universal problem. It is unfortunate that you are unable to get to a library. But maybe someone who reads your website would be able to go but may have been intimidated. Law librarians give a lot of FREE legal advice even though they are not legally able to do so. You may not find it to be a BLESSING to have access to a computer and the Internet. I have family in Phoeniz and visit when I can. I know how people struggle there. My family members live in the desert area. My uncle died living in a desert area because he could not get an ambulance to him fast enough. So I do understand the challenges. But there are people living in metro and Desert areas without access to PRIVILEGED resources such as a computer and the Internet. SO GET OFF YOUR HIGH HORSE “ADVANTAGED” PERSON FROM THE PHOENIX DESERT. You are doing better than many (including myself).
2. Great you have the internet!!!! Use it. As you said you can get legal resources on line.
3. I don’t charge for legal services. May be if you improved your attitude including the words used on the internet to describe your feelings, maybe some attorney would be more willing to help. Many attorneys take cases not only on the legal merits but also on how easy it would be to work successfully with a client. I have done pro bono work for many years. Before I went to law school, I did a lot of legal research for free. Just by your “written” demeanor and immediate act to judge before you have all the information, I wouldn’t take your case even if you could afford to pay me!!! Just as I have found your blog, other competent pro bono attorneys read your blog. If you haven’t already done so, YOU PROBABLY SCREWED YOURSELF FROM EVER GETTING ASSISTANCE (FREE OR BY FEE).
4. KNOW THY ENEMY- By meantioning creditinfocenter.org I was not promoting the site. It was just info to learn about your enemies. This is what we in the business call “strategy.” Since you already now that Good for you.
5. In handling my mother’s case and others, I came across your website. I wanted to get more insight into the debth of this “open season” collections agencies, JDBs and their attorneys have on consumers. There are attorneys and private individuals working in their prospective cities and states to help consumers not only with credit controversies but also issues of life and death such as having no food, clothing, place to live and health care. Just because they do not personally take time out of their overloaded and busy schedule to contact you DOES NOT MEAN THAT NO ONE CARES ABOUT THE ISSUE OR FAILS TO UNDERSTAND THE CHALLENGES OF CONSUMER ISSUES.
6. I have not read all your court documents and at this point I would not waste free time. One thing is certain, you can have the best case and all the evidence to win. But if your demeanor is abrasive, judgemental and overall unprofessional, you will not get the opportunity to plead and/or successfully make your case. Moreover, no one listening or reading your rants and raves (whether layperson, lawyer, or judge) will take you seriously or even care about your problems.
7. There may have been some desperate attorneys trying to wooo you for clients but most do not need your assistance or help. Resources for gaining info to consumer “victims” is public record once lawsuits are filed. As I have posted earlier, it is open season on consumers. Bad collection agencies are buying owed debts barred for collection by the statue of limitations. These companies are filing lawsuits against unsuspecting consumers who do not know the law. These consumers settle before even challenging the validity of the debt. This is the worst that I have seen in 5 years. Just by virtue of having a legal education, I get many requests for help from consumer victims but have to deny many due to my current client load which includes my family members. For these reasons, no attorneys need you for help so I say again GET OFF YOUR HIGH HORSE!!
Maybe you would have more advocates on your side if you did not judge them without having all the information. I would have been more than willing to help you but for this reason. I can tell you do this regularly because of the comments made and your failure to read the purpose of my initial email. But I have to agree with you, I was wrong on one point. I thought your actions, if read by individuals similarly situated, would be a great example for helping others. I was wrong!!! You are not a good example for struggling consumers wrongfully accused of owing debts. You have alot of anger!!!! You push away ANYONE that agrees with you and/or has the remote ability to help you.
I don’t know if you have access to healthcare. I don’t. But If you do, seek help IMMEDIATELY!!!
Thank you very much, Kathleen.
This is the time to call your bluff:
Please post your full name and contact info so that all these people who need help and pro bono attorneys can contact you.
You are so incredibly dimwitted (people in Phoenix don’t have computer and net access at the library?), you haven’t even figured out yet that nothing I do is about *me* - it’s about the people who can’t help themselves and people like you who exploit them and spew totally absurd BS.
My sites’ purpose is to show people how corrupt the legislators, regulators and attorneys like you are.
Prove me wrong, PLEASE!
YOU do everything you demand *I* do and YOU show ME and the WORLD how to do it right on YOUR website.
THANK YOU!
And, I don’t have health insurance, how the hell do you think I would pay for that?
But even if I did, I would not go on happy pills to no longer be angry. MOST people would just open another beer or light another joint or take another Valium or Prozac - that’s their sorry choice.
I may move to another country to get away from the crap, but I’ll never compromise my ability to see people like you for what they are.
WOW! This was some good reading. I don’t think you are on a high horse and need medical attention like Kathleen may think. She sounds to sensative for me. You were just asking some questions and getting down to the point.
Since I’m still in law school but do have my Bachelors in Legal Studies with a Paralegal Degree from an ABA College I guess I am the poor soul out there trying to help people including myself with consumer law and credit reporting agencies.
It appears that you need some practice materials on civil and federal procedure. I am from California and was able to get the “Rutter book 3 fat books full of samples on civil procedure, how to respond , opposition papers, summary judgment which you appear to already have fought with Target. Someone is trying to get a Summary Judgment against me and you can bet although it is State Court I will be using this book very much. How to format, how to respond, wehat to say, etc. I did my last opposition paper against a bully lawyer and I beat him without showing up to Court. My paper was good enough thanks to this book. I can research and give you some ideas for Federal law.
But also, I use to use Prepaid Legal for 3 months years ago which was pretty much useless...and I am sad that Accorn has not helped you they have always shown to be there and fight for the little man so I’m not to sure whats up with that. And Lexingotn yes that was a joke looking at them and realized I can do better.
Since you can’t find an attonrey to help you lets get sone federal procdeure litigation books that will have actual samples and how to respond and fill out these papers that yuu need help with. If I had my law degree I would do it. I don’t need a lot of money to live nice. In the meantime, it appears your going to have to continue pro se.
Theresa, much appreciate your comments and I DEFINITELY need that Rutter book.
I have to say that being able to access the actual court filings in other cases is tremendously helpful. In Arizona electronic filing became mandatory in 8/05 and I have been following a number of FCRA cases.
About once a month I go on PACER and download the docket updates and interesting filings for posting at http://creditlitigation.org/
It truly sucks that discovery is no longer filed with the courts, but at least the depos / docs relevant to motions are online and that’s quite helpful.
You mentioned Target, I finally accepted their $2,500 offer of judgment after rejecting their bizarre settlement offer, it’s all posted here.
At this point I expect to have to appeal the Capital One and CRAs refusal to report the credit limits and I’m still in discovery with Experian, will be posting my depositions of the Experian employees later today.
Aside from the reporting of the credit limits and getting Experian to provide COMPLETE consumer disclosures, my primary goal is to establish how the creditors’ and CRAs’ employees commit perjury.
Any time a CRA’s client (creditor or collector) needs a sworn declaration to get a dismissal, they will submit blatant lies to the court.
Of course the “consumer” attorneys don’t care to expose these lies, they have a WORKING RELATIONSHIP with the CRA and creditor attorneys.
I’ll continue to document how corrupt the legal system is.
Hi Christine:
I’ll see what procedure books I can supply to you for Federal Law Litigation. Also, I guess the only way to catch the perjurers is put a recorder on your phone everytime you talk to them. And the good thing is they are already announcing this conversation is being recorded for “Cusutomer Satisfation” so you don’t have to tell them and you have control of the situation. I had a depo last week they were deposing me and the other side got caught right in front of all of use making up documents. He made up three documents altogether, but was caught with one right away because I had a total different document received on a different date and different words. He made it up after the fact. How embarassing for his attorney.
I was lucky there… so when ever in case with big wigs I try and put everything in writing but phone calls tape everything. To catch a perjurer is the only way these days. Theresa
I have a friend in California who was helped by Acorn. But it was a class action on TILA violations. If anyone wants the details let me know.
Christine, there is a more profound way in which to prove the fraud that’s being committed and the “escape” hatch that they all set up through the court system can’t be used.
Get in touch with me at the email I’ve put here and let me know how I can speak with you on the telephone. I can also be reaced at [deleted]
Morgan, it’s not that Acorn has never helped anybody. The point is that Acorn is a corrupt organization. Just because I give some homeless guy $5, does that mean that I can now steal from 15 other people?
Acorn LOVES to get in on litigation, to get their name out, to be able to request more donations. Not to mention payoffs through the settlements.
Yet, ACORN refuses to do ANYTHING to change this exploitive system.
You have to look at the big picture.
And Biloxi, I’m sending you an e-mail.
