Re: Re: Re: How do I get a "real" validation? well here is the thing... people are being sued for money they owe creditors with WAY less evidence than what is required in debt validation... i guess that was my point... while max may or may not get what he or anyone else interprets the fdcpa as meaning 'full validation' and if he DOES try to sue them based on any violations... i think a small claims judge (if perhaps we are dealing with places like polk county) may be more concerned with the fact that you do owe a debt you haven't paid... does that make sense? i have a habit of talking in circles...
Re: Re: Re: Re: How do I get a "real" validation? Yes, a small claims judge would be concerned with the fact I owe a debt I haven't paid - but I'm concerned too! I WANT to pay my debts - not evade them through a technicality. But when my original CL was $500 and my debt is now $1,200 I feel that it is reasonable to demand an accurate accounting of that "extra" $700+. FDCPA aside, why wouldn't a judge find that demand reasonable? Max
Re: Re: Re: How do I get a "real" validation? oh exactly... maybe i am not reading your thread right. i completely understand where you are coming from. if this was a credit card... you can imagine what you may have agreed to when you signed the contract. I had a discover card when i was 18 and a freshman in college. i maxed the 1,000 dollar balance almost immediately...and never paid. a few years later when i realized that concept of 'credit' and unpaid debts...so i began to pay the collection agency and almost 3 years later (April of this year) I finally paid them off... When I started making payments, the ca agreed to stop the interest... but with the interest the debt had almost tripled!!! so yes it is a good idea to get the contract that you signed that says you agree to pay whatever fees (or lack there of) i am not asserting that you are trying to evade your debts... but as it were, the appearance that you are is almost a requirement with credit repair...paying your debts while in the midst of credit repair is a forfeit of leverage...so when all is said and done, you can pay whatever you want (i don't want to come off as all high and mighty)
Re: Re: Re: How do I get a "real" validation? 1* people are being sued for money they owe creditors with WAY less evidence than what is required in debt validation... ... 2* If he DOES try to sue them based on any violations... i think a small claims judge (if perhaps we are dealing with places like polk county) may be more concerned with the fact that you do owe a debt you haven't paid... kbean ============= 1*Reading this board for over 2 years don't show this happening very often. 2*These are two entirely separate issues falling under 2 separate and distinct sets of laws. THE END ** *** ** LB 59 """""""""```~~~```'"""""""""
Re: Re: Re: How do I get a "real" validation? 1*are you suggesting that this is a game of 'f*%# your creditors'? 2*just because you get people on technicalities regarding accounts in an effort to repair your credit, does not mean that you do not owe the creditor... 3*there are a myriad of reasons why tradelines are deleted... 4*just because something is not on your credit report, it does not mean that you are not bound. 5*I think too many people think that credit repair is geared toward evading debts. kbean ============= 1*Not in the least the only issue here is Creditors CAs and CRAs complying with the laws. 2*Failure to prove that one owes a debt is hardly a technicality.When the creditor fails to prove the claim it definitely legally means one does not owe the creditor. 3* rite. 4*And just because it is on there don't mean you are. 5*The consumer laws are not dependant on ones motives for using them which is exactly as it should be. THE END ** *** ** LB 59 """""""""```~~~```'"""""""""
