Collection Accounts

Discussion in 'Credit Talk' started by heather, Sep 10, 2001.

  1. heather

    heather Well-Known Member

    Okay, need advice here, have disputed and disputed with no luck, one crappy ass collection company has 6 entries on my report, all medical collections. They were validated and the original creditor will do nothing to help me out on them. One entry is bad enough, but to slam you with 6 is overkill in my opinion, especially since some show as paid, and they are all small amounts. By the way, an FYI for you, they just reported another account on me, my Experian score dropped almost 30 points from it.

    Is there any other way to dispute these accounts so that they may come off? The disputes were previously done as not mine since I still don't know what they are. Thanks.
  2. bbauer

    bbauer Banned

    Heather, you must go after the company who is doing it to you, not the credit bureaus.

    You have to make them take it all off.

    If you don't, they will just keep putting them on faster than you can take them off.
  3. heather

    heather Well-Known Member

    I don't understand how I can make them take it off? I owe/owed the debts, some are paid. I got validation letters from the ca. This is over $1000 if I screw with them, they can sue me, they cannot garnish paychecks in Texas, but they can go after your bank account, which I cannot afford. I tried at the hospital to get someone to help me with this, and they would not, once it has "gone to collections it is out of their hands." They lost a check I sent to them for my monthly payment, or the po did. That is why it went to collections, I cannot prove to them I ever mailed the check. This is one of those I wanted your help with, but I am lerry of getting stuff stirred up and getting it bigger trouble. I am not one for suing, or threatening to sue, so I don't know what I can get out of this.
  4. bbauer

    bbauer Banned

    You should not be afraid of judgements. You should normally be glad when you get them! It is normally the way that you get rid of the problem and can make yourself a goodly amount of money in the process as well sometimes.

    Just to prove what I have been saying for a long time now, I've started another thread over at
    Click here to learn a bit about judgement lawsuits

    This type of thing is the norm, not the exception. It is pretty typical of the shoddy work that passes for judgements in most courtrooms all over America. It is truly representative of about 90% to maybe as much as 98% of such cases nationwide.

    I just picked that particular judgement out of a multitude that I could have picked from almost any day of the week in order to start a lesson for the people who monitor this board.

    I'm using it as just another example of why people have no need to fear the judgement and the garnishment. They can be stopped and reversed on grounds of error. It only takes one good error on the part of the plaintiff's attorney to put a great big hitch in their git-along.

    Then, because they deprived the defendant of their due process rights, the consumer can go back and demand to be paid for his pain and suffering, and that don't come cheap.

    Don't be frightened Heather. Learn how to stand up and fight in case they do come after you.
    It's all right here and I'm going to show people how to do it.

    I can and do fix their problems so long as it's in the collection agency or collection attorney's office, but once it's in court, I can't go fight their battles for them anymore. It wouldn't make any difference if my name were Johnny Cochran or F. Lee Bailey or whatever, I still could not go fight all those bum judgements and garnishments that are out there begging to be fought. An Empire State building full of lawyers couldn't go fight them all for the simple reason that there are far too many of them out there and they are scattered in every city and county in our entire land. And this garbage pile goes back for at least 100 years or more.

    So don't be afraid, get mad and go get even when they stomp on your rights.

    It does take a lot sometimes to get the debt eliminated at the collection agency level. There are those collection agencies out there who don't make mistakes, who do the job right with respect for the consumer and his rights. But then they go get one of these sleazebag lawyers and that is when the fun really starts. But although I can and do help lots of folks get rid of their problems before they actually ever become a real problem, I can and do also show them how to deal with the problem after it gets beyond the courthouse door where they have no other real option but to go in and do the job all by themselves.

    I plan to teach people right here in this forum what to look for in a judgement so they can just go down to the courthouse after the fact, get court certified copies of the court proceedings in the judgement, look at the documents and tell in just a few minutes exactly what is wrong with the filings, and know how to proceed to get the junk off their records and the thieves out of their pockets and lives forever.

    Check it out by clicking on the links
  5. breeze

    breeze Well-Known Member

    Heather, this is difficult to understand - you are saying two different things. In your first post you said:

    Now, responding to Bill's offer of help you say:

    Can you clarify?

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