This is a classic, got served by a JDB one afternoon and got a CC offer from Capitol One whats in your wallet two days later. I thought this was some sick joke on behalf of the Plantiffs....lol Here is the offer PREPARED FOR; my name Weve recently reviewed your credit information and weve desiged an offer we believe is the right one for you-right now. (Who exactly is weve?) LOWEST INTRO RATE( Happy as a fish during a bassmasters tournament) MORE CREDIT(Now i can pay my consumer law attorney) OFFER ENDS .........2009 DONT MISS THIS OFFER OF CREDIT.PLEASE NOTE IF WE RECIEVE YOUR PAYMENT AFTER OUR DUE DATE INDRO APR COULD EXPIRE EARLY. ALSO WE MAY (will) INCREASE YOUR APRS IF YOU PAY US LATE TWICE WITHIN 12 MONTHS. So who reviewed my credit information? Even if this is a pre-screened offer, how can i even be considered? This industry is so corrupt and yet it is allowed to flourish and profit at the expense of the uninformed and uneducated public.
I think you misunderstand what happened. Credit card offers like that get mailed out by the thousands every day, not only by legitimate credit card banks but also by scammers too. They are nothing but fishing expeditions. It does not mean that you would actually get a card once they check your credit. You know in advance what your credit reports look like and you should be able to know what your chances of getting a card might be from your credit scores. If I were you I would be much more concerned with how you are going to deal with the lawsuit than how you are going to get your next credit card.
I know offers like that get mailed daily, but untill that offer arrived, i had not recieved any for at least two years prior to the current compaint.
The lawsuit is being answered by my attorney, i am fighting at an early stage, so i know my odds are slim, but plan B always levels the playing field.
Update.... Case dismissed, dealt with it quite well, my lawyer broke the lawsuit into a house of cards. So my advice to everyone who gets sued, get an attorney who specializes in these cases.
That's good. Great in fact. Where do I find a lawyer whom I can count on to get the same results each and every time I get sued here in Oklahoma City, or in Tulsa, or in Ardmore, Ok., or in Chicago, Memphis, Chattanooga, Asusus, Anaheim or Cucamonga or anywhere else I might happen to live? I'm sure those kinds of lawyers are standing on every street corner begging for business, aren't they? Can that same lawyer you had do the same thing over and over and over again for every client and every case he gets? I doubt it very much. If he could he would be so famous he would be a second F. Lee Bailey or David Swak or maybe even Robert Hyde. He would also get extremely rich in a great hurry once his reputation spread far and wide. The bottom line is that advising people to get a lawyer isn't practical for most folks. They can't find such lawyers and probably can't afford to pay them even if they could. How would you like to become wealthy beyond your wildest dreams? All it would take would be to compile a list of such lawyers in all the towns of say 5,000 population or more in the U.S. and you could easily sell such a list of lawyers for at least $50.00 or more a pop. Publish them in a book. Lawyers would gladly pay you to get their name and address on your list or in your book. You could charge lawyers who had a provable record of at least say 100 wins against credit card or mortgage foreclosure or auto repo cases $500 a pop to get in your book, lawyers with at least 200 provable wins $400 a pop, lawyers with 300 provable wins $300 a pop, lawyers with at least 400 provable wins $200 a pop, lawyers with at least 500 provable wins $100 a pop and lawyers with more than 500 wins get in free. And if they can't prove at least 100 wins they can't get in the book at all. Of course you wouldn't have even a 1 page list. Great lawyers like Robert Hyde or David Swak win tons of cases every year but not defending against credit card cases. They are consumer advocacy lawyers who win their cases by filing lawsuits against debt collectors and other lawyers. They file most of their cases in federal courts and that ought to tell us all how to win our cases.
Can that same lawyer you had do the same thing over and over and over again for every client and every case he gets? Yes, if a JDB takes you to court for money you did not have any relationship with, then yes, i would think so.
The bottom line is that advising people to get a lawyer isn't practical for most folks. They can't find such lawyers and probably can't afford to pay them even if they could. They sue you in court, do you expect me and others to take your advice and just say okay? Not me, i am not backing down to a credit agency, and i hope many ppl follow my lead.
Even worse is the fact that most lawyers can't win a debt related case even if you hand it to them on a silver platter. I've got a situation here in Oklahoma that is an excellent illustration. A gentleman I know is involved in a foreclosure case on his home. He had it all lined out and well on the road to a victory. Then his cousin who is a well known attorney stepped into the picture voluntarily and without any authorization from Brian and started negotiating with the plaintiff's attorney and everything went south from there in court yesterday. He didn't lose the case but things certainly didn't go well yesterday either. Now it appears we are going to have to come up with some shock and awe treatment in order to bring the case back on track and I don't know what that will be yet. One way may be to force the judge into recusal. We will have to wait for the transcript of the hearing to see if we might be able to do that or not. Another way might be to take the case federal immediately. I don't think we are ready to do that just yet. Too early in my way of thinking but it might be the only way to get it back on track. If Brian's cousin had just kept his legal mouth shut the whole thing might have been resolved yesterday. It seems that every time a defendant lets a lawyer get involved it gets all screwed up. Good. I won't ever do that either.
