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If you have any problems with the registration process or your account login, please contact us. | Advanced Credit Repair - Dealing with Collection Agencies Discuss CA/JDB Altering Tactics in the CREDIT AND LEGAL ISSUES forums; I have been told that some CA/JDB are now including language in their letters to try to get a debtor to make a very small payment to show their goodwill ... 
04-07-2007, 12:03 AM
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#1 | | Administrator
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| CA/JDB Altering Tactics
I have been told that some CA/JDB are now including language in their letters to try to get a debtor to make a very small payment to show their goodwill in paying off the debt. Or they ae trying to get the debtor to some how admit the debt is, or once was the debtors.
I have also heard but cannot verify that within the last several weeks case law affecting FL debtors and / poss the 11th Circuit concerning my first paragraph has come about. I have not found it yet. If this is true then it is a set back for FL debtors in that FL law states that a partial payment does not reset the SOL clock.
If this is ture then deny, deny, deny........
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The information and materials in this document are provided for general information purposes only and are not intended to constitute legal, accounting or tax advice or opinions on any specific matters. Laws and regulations change frequently and their application can vary widely based upon the specific facts and circumstances involved. You are responsible for the applicability and accuracy of Information as it relates to your specific situation. | 
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04-07-2007, 12:16 AM
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#2 | | Administrator
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| The recent letter that I got from a JDB said that if I am not able to make the full payment they will accept 18.14 per month until the debt is paid. In fact, they gave me three options. 50% off; 40 % or the 18.00 a month.
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04-07-2007, 12:35 AM
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#3 | | Elite Member
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| Utter desperation on their part in a transparent attempt to comply with the law? | |
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04-07-2007, 12:51 AM
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#4 | | Administrator
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| Sickening, isn't it?
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"Be surprised at what people won't do and not at what they do." | |
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04-07-2007, 03:04 AM
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#5 | | Elite Member
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| nah....an opportunity | |
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04-08-2007, 08:00 PM
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#6 | | Member
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| Hey I got one of those "heres 3 options" from NCO 2 days ago, for a debt thats like 15 yrs old! not on CR though..wheew | |
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04-08-2007, 08:36 PM
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#7 | | Administrator
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| Quote:
Originally Posted by Westernacc  Hey I got one of those "heres 3 options" from NCO 2 days ago, for a debt thats like 15 yrs old! not on CR though..wheew | Unless you're in one of those states that has a long long SOL....tell NCO to pound the sand or set them up to violate some more.
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04-09-2007, 01:58 AM
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#8 | | Administrator
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| Quote:
Originally Posted by Westernacc Hey I got one of those "heres 3 options" from NCO 2 days ago, for a debt thats like 15 yrs old! not on CR though..wheew | You still need to DV. Unless you do so, after 30 days they can assume the debt is yours.
Just be careful on how you word your DV letter.
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It is better to keep your mouth shut and appear stupid than to open it and remove all doubt. - Mark Twain
The information and materials in this document are provided for general information purposes only and are not intended to constitute legal, accounting or tax advice or opinions on any specific matters. Laws and regulations change frequently and their application can vary widely based upon the specific facts and circumstances involved. You are responsible for the applicability and accuracy of Information as it relates to your specific situation. | |
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04-09-2007, 06:04 PM
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#9 | | Member
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| Sorry guys, It is RJM Acquisitions not NCO
I'm in Tx
And I have recieved dunn from them before, over a year now though.
hey option 3 aint bad..LOL they will finance..LOL
really I'm lerking here trying to get the nerve to post agian about my credit situation, trying to read alot so I dont come across dumber than I am. (dont know if reading will help though) LOL | |
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04-09-2007, 06:46 PM
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#10 | | New Member
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| Quote:
Originally Posted by Westernacc Sorry guys, It is RJM Acquisitions not NCO
I'm lerking here trying to get the nerve to post agian about my credit situation, trying to read alot so I dont come across dumber than I am. (dont know if reading will help though) LOL | I lerk all the time. The info here is great and the knowledge of the members is great. There is probably someone here that is or has been in your situation or close to it. Ask away .. "The dumbest question is the one never asked"
Vindian | |
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04-09-2007, 10:01 PM
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#11 | | Elite Member
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| Quote:
Originally Posted by Westernacc Sorry guys, It is RJM Acquisitions not NCO
I'm in Tx
And I have recieved dunn from them before, over a year now though.
hey option 3 aint bad..LOL they will finance..LOL
really I'm lerking here trying to get the nerve to post agian about my credit situation, trying to read alot so I dont come across dumber than I am. (dont know if reading will help though) LOL |
Ask away. Everyone here has been in a situation before so don't be shy about asking anything. Everyone has to start somewhere.
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04-09-2007, 10:04 PM
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#12 | | Elite Member
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| Dude, I had twelve CAs and JDBs when I started, so don't feel bad. I also had 35 distinct negative items. | |
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04-10-2007, 03:36 AM
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#13 | | Member
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| Thanks for the encouragement "ya'll" ( I can say that here right)..LOL
I have posted on here a few times and recieved excellent advice and some that was just way over my head. so I went back to reading..LOL My wife say's I'm too analitic. key word I think is anal, LOL guess its the ex Texas cop in me..LOL. I will try to narrow down a topic and start a new thread as long as you guys come in and say hey. Its a little embarassing ..airing your laundry but hey as long as its amoungst friends right. I read several boards but this one has the heavy hitters and is small enough to get answers.
Thanks agian guys | |
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04-10-2007, 08:21 AM
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#14 | | Elite Member
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| Quote:
Originally Posted by direred Dude, I had twelve CAs and JDBs when I started, so don't feel bad. I also had 35 distinct negative items. | Wow, impressive!
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About Drivel:
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04-10-2007, 08:38 AM
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#15 | | If You Do Not Like It, Kiss My...
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| Quote:
Originally Posted by Westernacc Thanks for the encouragement "ya'll" ( I can say that here right)..LOL | Of course you can, I do believe Texans out number everyone else here. 
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