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The new CreditSuit forum
October 12, 2013
4:55 am
Forum Posts: 51
Member Since:
May 5, 2013
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As long-time readers know, I've been publishing my credit litigation since 2001 and I every few years I started a new forum.  Since 2004 I also had a blog here with thousands of posts and comments, but due to the crappy Expression Engine software and support I'll have to hire a database expert to import everything into WordPress. That's why I recently started the new WP blog.

Since 2003 I've been working with many clients to improve their FICO scores and I even documented bugs in the FICO scoring formula, such as the fictitious late payments for Equifax reports.

In 2007 / 2008 I defaulted on my credit cards because I was building a house, the value of my old home declined, no bank would give me a loan on the new unfinished house and my business vaporized as nobody was looking to increase their FICO scores to buy homes anymore.  I didn't file for bankruptcy as that's not free either and I am judgment proof.

I promptly got sued by a number of creditors and debt buyers.  I got two Capital One lawsuits dismissed, several creditors and debt buyers didn't even bother to serve me and I settled one debt buyer suit shortly after I filed my answer and counterclaims for dismissal of my counter claims.

In summer of 2011, when I thought I was finally done with all that legal crap because the 3-year SOL was up, Acarta sued me for a Chase credit card.   And in summer of 2012, right after I got done with the Acarta appeals court briefs and I was looking forward to a break from all that litigation stress, Midland Funding sued me.

So, I finally had ENOUGH. 

I started a new blog for Acarta and uploaded the Acarta filings and I will hopefully soon have time to post the most recent filings. (2015 update, been extremely busy, accepted Acarta's $1000 plus court costs offer of judgment after the court of appeals remanded and Acarta finally dismissed its claim.)   I haven't even begun to post the Midland filings yet, but will do so as soon as I have time.  Right now I'm busy with paying work and I'm way behind schedule with my gardens. 

I'm very grateful to other consumers who helped me with my Acarta appeal and I want to share my experiences to help others prevail in court against the scum of the earth:


If there is a hell, that's where they'll end up.

My litigation is not just about prevailing in court, but it's about exposing their unscrupulous practices and ENHANCING the FDCPA and regulatory enforcement.  The FTC wouldn't even respond to my complaints, but I'm hopeful that the new Consumer Financial Protection Bureau will be much more responsive. 

If nothing else, the information at will help many others prevail against creditors and debt buyers.

I will be posting my research and I greatly appreciate your support!

Please share your knowledge and experiences here and post links to this forum at relevant sites.


 *** I am NOT an attorney and nothing posted at is legal advice! ***

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