I am a newbie in need of help. Sherman has showed up on all 3 cra"s.Here is my problem the accont is a sears chargeoff from 2000, back in 2001 i recieved a summons from an attorneys office. I called the attorney and told them that i should be able to pay them off with my tax return from 2002. Well along the way came a divorce so i was"nt able to pay. Well much later on i recieved a statement from the attorney to settle for about 50% of the bal. As time goes on i found this wonderful info on here and sent sherman a validation letter. I got a reply back from their attorney that the 30 day window has long expired and that their (client) sherman has instructed them to place the account back on the court document for next month. I have found out by reding that sherman has no bond in the state of texas, that is the adress they show on my reports, and that they are not licensed or bonded in my home state (tennessee). Any suggestions on what to do next or have i just totally screwed up. Thanks
Hi Dan, Welcome to the board. No I don't think you totally screwed up. Sounds to me like they did not obtain a default judgement. Which is weird since you got a summons. Did you contact the court to see if the summons is real? How much is the total? ???
Also , no i did"nt check and see if the summons was real but i assumed that the one back in 2001 was because i went to the sheriff"s office and picked it up. If there was a judgement it has"nt showed up on my credit reports. I have contacted the ag"s office in texas and will be filling a complaint. Any other suggestions to help resolve this problem. Thanks
I have more info.I sent validation to sherman, got a reply from a attorney in my state (tennessee) stating the 30 day period was over. Researched it and found out that sherman is"nt licensed as required in my state,Also they are not bonded in texas the state that they report their business in. I have filed complaints with the bbb, texas attorney general, and the ftc. Well i got another letter from the attorney talking about them having a judgement. I called the attorney and talked to the assistant she stated that it was sent by mistake, since we have a court date set for 3/23.I asked her for info, finding out if the alleged debt was purchased which it was , asked how much was it purchased for and she said that she did"nt know if i could recieve that info. I offered to settle the debt fo about 40% .They declined. Any thoughts on what i need to do.I know that there is no judgement on this because i called the courthouse and checked it out. The summons was recieved in 2001 , but was postponed. I really need to know what i should do before going to court. Any help would be appericated.
