Paragon Way

JayinGR · 10-07-2006, 06:17 PM

Ok so I pull EX today and Paragon way is on my report...

I have a feeling this is for a Dell computer my mother ordered for me and was sent to me but WAS NEVER in my name...they recently sent a collection letter in my name to her house...When I called them to inform them this was not my debt they verified they did not have my SS#

But this is appearing as American Investment Bank...Any idea's??

Address:
2101 W BEN WHITE BLVD
AUSTIN, TX 78704
No phone number available
Account Number:
XXXXXXXXXXXX
Original Creditor:
AMERICAN INVESTMENT BANK NA

Status:
Collection account. $2,870 past due as of Oct 2006.

Date Opened:
06/2006
Type:
Collection
Credit Limit:
$1,337

Date of Status:
10/2006 Terms:
1 Months High Balance:
NA

Reported Since:
10/2006
Monthly Payment:
$0

Recent Balance:
$2,870

Last Reported Date:
10/2006
Responsibility:
Individual
Recent Payment:
$0

Your Statement:
NA

Account History:
Collection as of Oct 2006

Any idea what this is for or who American Investment Bank is? I dont have a problem suing especially if this is for the dell that was in my moms name...

Then OSI pulls a hard on my EX...as far as I know I have no outstanding collections....

Any help is appreciated

centex · 10-07-2006, 06:26 PM

I'll take a drive by there later this weekend...may not be until tomorrow though. It would be nice to have a suite number though...I believe there is a complex there that does house some debt brokers.

A quick search suggests that American Investment Bank was chartered in Salt Lake City and may since have been absorbed by Zions. Not sure if they are the same institution or not, but early search suggests that such is the case. Much of what I am seeing on PACER dates back a few years.. I looks as though AIB may have been another name used by Dell Financial Services.

JayinGR · 10-07-2006, 06:47 PM

Thanks Centex....I really believe its for this dell non sense. I have the CA on tape admitting that it was my mother SS#.

I personally have nothing to do with this account. This (if it is for the dell) was a computer my mom bought me in 01 and only paid a little on it. But it came in my name but the bills went to her. Dell had it on my report for a while but I fought them when they could not prove it was mine because it was not.

Then to top things off I pull TC...I have not been pulling daily because I figured with my good credit now I am ok...WRONG..

Back in June of this year AA put a DTE energy account on my CR.. This was for an apartment I moved out of and they never shut it off. Well I fought AA on this and told them I would file a second suit on them.

They agreed to delete and never collect sell or trnasfer it but we never signed an agreement it was only through e-mail with their atty boyd gentry. Now they sold it to Midwest Audit Services out of MI who listed it on my TU as of yesterday...

Does this ever end? Serious I thought I was past all of this... I dont have time to deal with these nimrods

But if PW is for the dell you can bet if they dont delete right away the next thing they will get is a summons because I sent them a letter CMRRR afterI talked to them demanding validation and informing them I was not responsible for this debt...they never complied but deleted off of my mothers CR..

JayinGR · 10-07-2006, 06:54 PM

OK well here is what I found so far...I am trying to use the TX laws as well Centex..

In MI Paragon Way goes by an assumed name of collecttx

The bond excel spread sheet from the TX SOS does not show either entity at all.

Could they be under another name?

The MI website shows they are INC in TX

But I cant find either....WTF

I am quite sure now this is for the Dell as the original dunning letter says exactly what is on my EX

So if they do not have a bond in TX what laws do I look under? TFC?

Thanks

centex · 10-07-2006, 07:15 PM

I don't have a current bond list on the home computer. Looking at the CPA site, Paragon Way shows the same address as Collins Financial Services Inc. All of the principals are officed in Austin.

Quite frankly, though, I would suggest that you need to get out of this "sue first, ask questions later" mentality that you seem to have. Not every issue associated with credit needs to or deserves to be in a bank. You don't even know what they might do with a simple letter and yet you are letting lawsuit be one of the first words to leave your keyboard...

JayinGR · 10-07-2006, 07:20 PM

LOL Centex I know what you mean about the sue first ask questions later...

I do not have the time to sue them with the other suit going on...

I just have a 90% feeling and after looking at the initial letter tha this is for the Dell.

It just makes me mad that people can just throw sh!t on your credit report like nothing. They didnt even have my SS# when I called.

Thanks for your help Centex

Collins Law Office
and
Collins and McDaniel are the only ones I see on the bond list...

I will keep trying to do some research...

CtrlAltDelete · 10-07-2006, 10:08 PM

Centex - nice offer to drive by - above and beyond what's necessary here.

Jay - personal impression is you are a dichotomy - you do seem to jump to sue very early, but you also are rare in your attitude of accepting comment, critisizm etc. which is your "saving grace"

Any chance you disputed with CRA's and have not received "notice within 5 days of REinsertion"?

centex · 10-07-2006, 10:33 PM

Quote:

Originally Posted by CtrlAltDelete

Centex - nice offer to drive by - above and beyond what's necessary here.

Actually it is a location not to far away from the Home Debit, err Depot that I usually go to...

The Rollingwood office of one of the principals is also actually within walking distance of the house...a long walk, but not quite as far as trying to walk to Zilker for ACL fest or the Stones.

JayinGR · 10-07-2006, 11:54 PM

Quote:

Originally Posted by CtrlAltDelete

Centex - nice offer to drive by - above and beyond what's necessary here.

Jay - personal impression is you are a dichotomy - you do seem to jump to sue very early, but you also are rare in your attitude of accepting comment, critisizm etc. which is your "saving grace"

Any chance you disputed with CRA's and have not received "notice within 5 days of REinsertion"?

Thanks for the comment.....I am quick to say I will sue and sometimes I have sued out of emotion. But without accepting any and all comments I would never be able to see the whole picture.

The comments good or bad I recieve are usually what makes me step back and realize or analize whats going on or what I need to do.

This TL never hit my credit report...it was on my mothers CR not mine...I called them because they sent a letter to me in my name and I knew what it was for. They informed me it would not hit my credit report as it was not mine and they had mymothers SS# and not to worry.

My first two lawsuits I did out of haste but my atty for the first against AA says we have a solid case and thats why AA has not filed a MSJ or MSD I dont know...but we are 4 months into discovery and they have not requested a thing..

DW lawsuit was thought about and all the evidence gathered before hand but as Centex pointed out not all the homework done...

The big case...I didnt even want to file on my own...but in the end had no choice...but I am taking that one slow for sure..and without the comments and responses I get here I could never do it...

So I thank everyone for all the comments good or bad....

Home Debit....LMAO Centex.....

And yes if I didnt mention it before thank you for offering to drive by

spinn · 10-08-2006, 02:52 AM

The song "I am a Redneck woman" by Gretchen Wilson seems to apply in some way.

JayinGR · 10-09-2006, 12:54 AM

Ok found the letter...verified this was for moms dell...

Now in an effort to mitigate before litigate...should I file complaints with the following?

MI AG
TX AG
BBB
FTC

????

They do not have a bond in MI but...they may not need one if they bought this debt...The MI supreme court ruled JDB's are not CA's...so I will need to find this out..

But they are not listed anywhere on the TX list..as PW or Collecttx or Collins Financial...

So who do I inform of that?

Thanks all

centex · 10-09-2006, 12:35 PM

Quote:

Originally Posted by JayinGR

In MI Paragon Way goes by an assumed name of collecttx

The bond excel spread sheet from the TX SOS does not show either entity at all.

Could they be under another name?

You mean like TxCollect Inc? Which IS on the spreadsheet I have and reflecting both the current address as well as their previous location on Congress. The SoCo address indicates an FKA as CollecTx Inc as well as the Collins Financial Services Inc.

I don't have a current list, but there was a valid bond in place at the last occasion that I had them email me the list.

Quote:

The MI website shows they are INC in TX

But I cant find either....WTF

Then you haven't been looking real hard. Did you think the information just flew out of my ass? No, and neither did monkeys. The information is online, and you would have done well to finish your research before papering half of the western world with complaints. For someone who claims to want to go to law school, you are going off half-cocked far to often and for matters that suggest you would be nothing more than a dog-bite attorney if you pass the bar. You need to think this stuff out using stuff called logic...and logic would dictate that you have ALL of the pieces to the puzzle before sending out the first letter.

Quote:

So if they do not have a bond in TX what laws do I look under? TFC?

Thanks

Whether they have a bond or not is not germane to whether TFC392 might apply, nor would it impact whether BCC or the CPRC applied.

JayinGR · 10-09-2006, 12:49 PM

Quote:

Originally Posted by centex

You mean like TxCollect Inc? Which IS on the spreadsheet I have and reflecting both the current address as well as their previous location on Congress. The SoCo address indicates an FKA as CollecTx Inc as well as the Collins Financial Services Inc.

I don't have a current list, but there was a valid bond in place at the last occasion that I had them email me the list.

Then you haven't been looking real hard. Did you think the information just flew out of my ass? No, and neither did monkeys. The information is online, and you would have done well to finish your research before papering half of the western world with complaints. For someone who claims to want to go to law school, you are going off half-cocked far to often and for matters that suggest you would be nothing more than a dog-bite attorney if you pass the bar. You need to think this stuff out using stuff called logic...and logic would dictate that you have ALL of the pieces to the puzzle before sending out the first letter.

Whether they have a bond or not is not germane to whether TFC392 might apply, nor would it impact whether BCC or the CPRC applied.

Centex I looked on the spreadsheet and I didnt find collect tx or pw or cf....On the MI DLEG website it shows an assumed name link when I clicked on it it showed collectx.

On the list it shows

A TxCollect Inc and they are using PW addy

C TxCollect fka CollectTx Inc fka Collins Financial Service

A TxCollect Inc/Thrift I LP

I never thought they would be under TxCollect otherwise I would have looked down that far and I dont assume you pulled it out of your ass with monkeys...although as brash as that was I laughed my ass off.

centex · 10-09-2006, 01:01 PM

I don't know about your version of Excel, but mine has a search and find capability...using the zip code found it real quick.

You also just learned why people tend to get bad information via email from the SOS- they don't provide the correct version, and all the SOS staff are doing is running the search using whatever parameters were provided by the requestor.

JayinGR · 10-25-2006, 04:52 PM

Wanted to update everyone...

Thanks Centex

after a little nudging and informing their bond holder...they deleted the account promptly and sent the accunt back to dell "they claim". but its gone frm all three reports.

Thanks

Jay

CtrlAltDelete · 10-26-2006, 01:18 AM

Jay - cograts! Once again act first think second wins. - OK with a bit of side line activity, but none the less all the "side line" people need to see that actions speak louder than words.

jlynn · 05-29-2007, 08:16 PM

OK folks, what was established here? Looking on neighbor's report, they have Paragon Way listed at the Ben White drive by address. TXCollect is bonded, and is the only company bonded at that address. (Zip code only search). I also went so far as to find PW's site, and search their PO zip for a double just in case.

PW has no bond - enough for my friend to chastise them into removing from their report? Or, I'm a bit lost, do I need to call the SOS and see if they have any alias' that aren't in the search feature.

A looksie at the Comptroller's site indicates PW is a corporation listed in TX, but I can't get TXCollect to appear no matter how I finagle the name.

A google came up with some yo yo in Washington State that sued Collins, and named TX Collect, PW, and another as parties.

I hate these dysfunctional families

Edit for Qtip - I found this thread while googling. Didn't think to search here first

Good job on getting us up there in the searches!

JayinGR · 05-29-2007, 08:32 PM

Centex pointed me in the right direction on this one...I dont remember but will look back through posts

jlynn · 05-29-2007, 08:35 PM

Quote:

Originally Posted by JayinGR

I dont remember but will look back through posts

Psst Jay, this is the post - I just decided to post in it rather than a new one. Into the

huh?