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    1. D

      Debt to Summons

      I reached out to an attorney to get some additional direction on this.
    2. D

      Debt to Summons

      There has been NO contact with me from this company. None, zero, nada, no calls, emails, or letters. Just the sheriff with the papers. I DO NOT recognize the name they are referring to as the "original" creditor. Although a quick Google search does note this company is known for using thus...
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      Debt to Summons

      No. The name of the new company that said they acquired from an this other company is not a name that I recognize. Additionally, I had noted that the member name listed on one doc is not a member name, user name, or login I recognize. Yes, I had a debt, but I believe that is where I am entitled...
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      Debt to Summons

      Thank you for all the info. The lawsuit is for just over $12k and is in Superior Court. I have until Feb 28 to file a response. I'd rather not pay at all, but feel I am owed a full validation/verification of the debt in question. I feel that it is bullshit that a company i have no business or...
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      Debt to Summons

      What is the name of your state? NH I was served a summons in a civil action on a 2+ year old debt. Call me a deadbeat (that is fine), but I am looking for advise. Per NH SOL RSA 508:4, the debt goes "dead" on 09/28/2022. I have never heard of this company and the debt has been sold / bought...
    6. D

      Student Loan & Wage Garnishment

      What is the name of your state? NH I was a part of the DeVry College finance and false marketing claim from 2008. I am still trying to navigate FTC.gov website on how to file for that. However my bigger issue / question is with a student loan and threat of wage garnishment. The last payments...
    7. D

      Payday Lender & Letter of Indemnity - $750 taken w/o authorization

      What is the name of your state (only U.S. law)? NH Here are the facts: I took out 2 payday loans with a company called DS Lending. One loan was $350, then second was $400. They then attempted to collected additional fees and a higher interest rate than originally agreed to, so I blocked them...
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      2nd Mortgage Government %

      What is the name of your state (only U.S. law)? NH Good Evening, So I know that your 1st Mortgage cannot be over 31% of your Gross Income as a part of the HAMP Government. What is the rule on 2nd Mortgages? I have a 1st Mortgage and I'm working on a Trial Modification to adjust my loan. I have a...
    9. D

      2nd Mortgage and bankruptcy

      What is the name of your state (only U.S. law)? NH I am close to filing bankruptcy. Is it true that if you have a 2nd mortgage and the house value is less than the value to support the 2nd mortgage, it is then a unsecure debit and then can be included in the bankruptcy? If yes, than bankruptcy...
    10. D

      Corporate Card & 3rd Party Collection

      What is the name of your state (only U.S. law)? NH 2 years ago I was terminated from a MA company for using a Amex Corp card for personal expenses. Per Amex, I could use the card for personal expenses. Unfortunately I got to far behind on payments and then Amex engaged with my company. My...
    11. D

      Bankruptcy - what can you keep

      What is the name of your state (only U.S. law)? NH OK, for those of you that search posts you'll clearly see I am out of work and have debit issue - absolutely. I am pending a return call from a lawyer, however I'm interested in info on bankruptcy. Basically I need to know if I can keep my...
    12. D

      Toyota Keeps Breaking Cease & Desist

      What is the name of your state (only U.S. law)? NH I have a loan with Toyota Financial. I have a Cease and Desist on file (twice) send by certified mail. This cease adn desist is on all numbers, except for one number where I am willing to talk to them. Customer service has confirmed the cease...
    13. D

      I'm Guilty - but want opinions

      What is the name of your state (only U.S. law)? MA I broke a company policy by using a company corporate card for personal use. However, I have been paying it back (but there is a balance) - I did not hide the fact that I have been using and/or used the card. I have a meeting with HR tomorrow...
    14. D

      Letter From Cavalry Portfolio Services

      What is the name of your state? NH OK - I did my homework and this is what I can tell you as facts: Back in 97/98 I had an MBNA account that fell behind. In or around 2001 or 2002, MBNA stopped worked with me - no letters, no bills, etc. About that time Bank of America aquired them (I'm...
    15. D

      MA SOL on misdiagnosis?

      What is the name of your state? MA/NH If I was misdiagnosised 7+ years ago in MA, but still have medical expenses due to this misdaignosis - I'm pretty much "SOL" as the SOL has long passed, huh???
    16. D

      Skin Cancer Misdiagnosis

      What is the name of your state? NH A family member has had multiple spots removed within the last year from skin cancer. The surgeon who removed several large areas recommended a follow-up dermotologist. After visiting this Dr., he dismissed several spots as "non-issues". My family member...
    17. D

      Car Lease Contract ?

      What is the name of your state? NH OK, first let me state this for the record: I signed a lease a year ago. I signed for it and I should have brought this question up at the time of the signing and I didn't - which makes me a dumb ass. But I'm looking to move out of my lease and I'm looking for...
    18. D

      7 / 10 Year Rule, re: Credit Bureaus

      What is the name of your state? NH If a bank or credit agency debt is aged off of your credit bureau file after 7 years or after the legal time expires, can that charge ever be placed back on your file? Example, a past aged debt ages off per the credit bureau on April 08. I know a bank or CA...
    19. D

      Duplicate Credit Charges - Legal?

      What is the name of your state? NH I have 2 duplicate amounts on my credit report. 1 from a bank, 1 from a collection agency. Neither company have been able to validate or verify this debt, no contract signature proof either. The collection agency tried using the National Arbitration Forum...

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