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dealing with collections for a bill

a bill i had not paid was sent to collections after only two...
pea-brained vigorous school
  08/02/20
Take out a 14k loan on good 750 credit terms, and pay it
poppy wagecucks useless brakes
  08/02/20
i have no income atm
pea-brained vigorous school
  08/02/20
Take out a 500k loan
poppy wagecucks useless brakes
  08/02/20
...
concupiscible pungent filthpig hell
  08/02/20
...
vibrant national keepsake machete
  08/02/20
(steve mnuchin)
buck-toothed claret whorehouse
  08/02/20
call them up and offer $3500 in exchange for a full release ...
Zombie-like Mad Cow Disease Background Story
  08/02/20
will this work
pea-brained vigorous school
  08/02/20
Maybe maybe not
Zombie-like Mad Cow Disease Background Story
  08/02/20
50/50 odds
provocative trailer park
  08/02/20
...
pea-brained vigorous school
  08/02/20
My understanding is that once it’s on your credit repo...
Multi-colored hospital trust fund
  08/02/20
so no point in paying it off? I don’t believe it
pea-brained vigorous school
  08/02/20
No, you negotiate the removal with the creditor. Get it in ...
concupiscible pungent filthpig hell
  08/02/20
Cr. I got a bill they sent to the wrong address removed one ...
vibrant national keepsake machete
  08/02/20
This is my wheelhouse. Search online to see if the debt co...
Big Indecent Address Pozpig
  08/02/20
it is not medical debt
pea-brained vigorous school
  08/02/20
What do you mean it's your wheelhouse?
vibrant national keepsake machete
  08/02/20
Being in debt and not paying those debts.
Big Indecent Address Pozpig
  08/02/20
(xo 20
French electric therapy
  08/02/20
https://docdro.id/bswewWy Elysia Mazurek http://www.tinyur...
Stirring puppy tanning salon
  08/02/20
Lmao I thought you meant you do collection law
vibrant national keepsake machete
  08/02/20
(xo 2015 geezer)
Stirring puppy tanning salon
  08/02/20
...
vibrant national keepsake machete
  08/02/20
...
buck-toothed claret whorehouse
  08/02/20
...
stimulating pervert tank
  08/03/20
There are websites that go through how to deal with this tha...
Cheese-eating genital piercing foreskin
  08/02/20
180
Big Indecent Address Pozpig
  08/02/20
ty for this
pea-brained vigorous school
  08/02/20
also can you link to the websites that explain how to do thi...
pea-brained vigorous school
  08/02/20
If you're even a little bit competent as a lawyer, and if th...
disrespectful office
  08/02/20
180
Big Indecent Address Pozpig
  08/02/20
explain how to do this pls
pea-brained vigorous school
  08/02/20
...
Stirring puppy tanning salon
  08/02/20
...
pea-brained vigorous school
  08/03/20
There has to be evidence of the assignment, and the evidence...
disrespectful office
  08/03/20
same. Ive pushed off Midland Funding multiple times. One tim...
Zombie-like Mad Cow Disease Background Story
  08/02/20
Fuck Midland. They once had to cut me a check for $18k in fe...
disrespectful office
  08/03/20
...
pea-brained vigorous school
  08/02/20


Poast new message in this thread



Reply

Date: August 2nd, 2020 10:16 AM
Author: pea-brained vigorous school

a bill i had not paid was sent to collections after only two months. i did not have the time to negotiate before it was sent to collections. what can i do to minimize its impact on my credit score? the bill is for $14k. How much of a hit will this have on my credit score? It's in the mid 700s right now.

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40695011)



Reply

Date: August 2nd, 2020 10:24 AM
Author: poppy wagecucks useless brakes

Take out a 14k loan on good 750 credit terms, and pay it

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40695025)



Reply

Date: August 2nd, 2020 10:29 AM
Author: pea-brained vigorous school

i have no income atm

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40695027)



Reply

Date: August 2nd, 2020 1:09 PM
Author: poppy wagecucks useless brakes

Take out a 500k loan

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40695661)



Reply

Date: August 2nd, 2020 1:31 PM
Author: concupiscible pungent filthpig hell



(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40695766)



Reply

Date: August 2nd, 2020 1:32 PM
Author: vibrant national keepsake machete



(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40695772)



Reply

Date: August 2nd, 2020 8:30 PM
Author: buck-toothed claret whorehouse

(steve mnuchin)

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40697399)



Reply

Date: August 2nd, 2020 10:36 AM
Author: Zombie-like Mad Cow Disease Background Story

call them up and offer $3500 in exchange for a full release of the debt.

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40695042)



Reply

Date: August 2nd, 2020 11:28 AM
Author: pea-brained vigorous school

will this work

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40695245)



Reply

Date: August 2nd, 2020 2:29 PM
Author: Zombie-like Mad Cow Disease Background Story

Maybe maybe not

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40696019)



Reply

Date: August 2nd, 2020 3:38 PM
Author: provocative trailer park

50/50 odds

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40696296)



Reply

Date: August 2nd, 2020 12:42 PM
Author: pea-brained vigorous school



(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40695539)



Reply

Date: August 2nd, 2020 1:15 PM
Author: Multi-colored hospital trust fund

My understanding is that once it’s on your credit report the damage is done, paying it off gets you nothing

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40695684)



Reply

Date: August 2nd, 2020 3:09 PM
Author: pea-brained vigorous school

so no point in paying it off? I don’t believe it

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40696182)



Reply

Date: August 2nd, 2020 3:53 PM
Author: concupiscible pungent filthpig hell

No, you negotiate the removal with the creditor. Get it in writing that they will delete the tradeline.

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40696370)



Reply

Date: August 2nd, 2020 4:05 PM
Author: vibrant national keepsake machete

Cr. I got a bill they sent to the wrong address removed one time. Should offer them $3500 or something like doodikoff suggested in exchange for removing it from the report.

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40696415)



Reply

Date: August 2nd, 2020 1:15 PM
Author: Big Indecent Address Pozpig

This is my wheelhouse.

Search online to see if the debt collector (or the company that originally held the debt) reports debt to the credit bureaus. Some hospitals, for example, will say directly on their website “neither we nor our debt collectors report debt to the credit bureaus”. If ithey do report to the bureaus, and if it’s a medical debt, I think they have to wait a year before reporting.

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40695685)



Reply

Date: August 2nd, 2020 3:10 PM
Author: pea-brained vigorous school

it is not medical debt

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40696185)



Reply

Date: August 2nd, 2020 3:26 PM
Author: vibrant national keepsake machete

What do you mean it's your wheelhouse?

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40696259)



Reply

Date: August 2nd, 2020 4:37 PM
Author: Big Indecent Address Pozpig

Being in debt and not paying those debts.

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40696537)



Reply

Date: August 2nd, 2020 4:39 PM
Author: French electric therapy

(xo 20

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40696545)



Reply

Date: August 2nd, 2020 8:36 PM
Author: Stirring puppy tanning salon

https://docdro.id/bswewWy

Elysia Mazurek

http://www.tinyurl.com/elysiamazurek

https://www.docdroid.net/bswewWy/elysia-mazurek-ontinder-pdf

http://www.freezepage.com/1595025099PJUWXBUVBI

http://www.freezepage.com/1594485287VGCZMDCZTO/info

http://www.freezepage.com/1594485287VGCZMDCZTO/info

https://www.docdroid.net/kBl2WNY/elysia-mazurek-tinderslut-pdf

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40697414)



Reply

Date: August 2nd, 2020 4:45 PM
Author: vibrant national keepsake machete

Lmao I thought you meant you do collection law

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40696562)



Reply

Date: August 2nd, 2020 8:36 PM
Author: Stirring puppy tanning salon

(xo 2015 geezer)

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40697416)



Reply

Date: August 2nd, 2020 9:11 PM
Author: vibrant national keepsake machete



(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40697540)



Reply

Date: August 2nd, 2020 8:31 PM
Author: buck-toothed claret whorehouse



(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40697405)



Reply

Date: August 3rd, 2020 11:57 AM
Author: stimulating pervert tank



(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40699713)



Reply

Date: August 2nd, 2020 3:40 PM
Author: Cheese-eating genital piercing foreskin

There are websites that go through how to deal with this that have good advice. Basically it's something like send a letter asking them to show proof of chain of title to your debt and that the charges/debt is legitimate, and if they can't they have to remove the hit from your credit report.

Unless you expect to take out a loan soon or will be needto pass a C&F for bar admission, your credit score is not really all that important. One unpaid debt isn't likely to meaningfully impact your ability to rent a place to live, etc. So, my strategy would be to wait a while - years if possible - to challenge this. Chances are the current collections folks will be able to get the paperwork if they don't have it in hand already. But if they don't collect soon it will probably get resold to someone else once or twice (basically, to the people who buy shitty debt for cheap, instead of people who buy 2 month past due debt for 700-credit score peeps like yourself). At that point even if they have their paperwork in order chances are higher they will write it off as not worth the effort to deal with you.

For what it's worth, I know someone who did this. Her credit score was total shit for awhile but she typically had a decent job and kept her other bills paid, and after moving a couple of times (not related to the collections, just because ppl move) and waiting about 4 years, she executed above strategy. She never paid the $50k or whatever she owed, didn't do a bankruptcy, and now has excellent credit because those dings all were removed automatically.

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40696310)



Reply

Date: August 2nd, 2020 4:41 PM
Author: Big Indecent Address Pozpig

180

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40696550)



Reply

Date: August 2nd, 2020 7:12 PM
Author: pea-brained vigorous school

ty for this

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40697155)



Reply

Date: August 2nd, 2020 7:28 PM
Author: pea-brained vigorous school

also can you link to the websites that explain how to do this

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40697211)



Reply

Date: August 2nd, 2020 4:48 PM
Author: disrespectful office

If you're even a little bit competent as a lawyer, and if the debt was ever assigned in bulk, there's a decent possibility that they won't be able or willing to properly document the assignment in court.

I have literally never come across an assignee of bundled consumer debt who could go the distance.

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40696571)



Reply

Date: August 2nd, 2020 5:21 PM
Author: Big Indecent Address Pozpig

180

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40696673)



Reply

Date: August 2nd, 2020 7:29 PM
Author: pea-brained vigorous school

explain how to do this pls

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40697213)



Reply

Date: August 2nd, 2020 8:37 PM
Author: Stirring puppy tanning salon



(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40697422)



Reply

Date: August 3rd, 2020 11:25 AM
Author: pea-brained vigorous school



(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40699589)



Reply

Date: August 3rd, 2020 11:46 AM
Author: disrespectful office

There has to be evidence of the assignment, and the evidence has to be admissible.

Most often, the assignment document will incorporate some other document that lists the assigned debts. The plaintiffs hate giving that up. But it's necessary to see whether the defendants' purported debts were assigned at all.

And even if the documents exist, they need to be authenticated by someone with the requisite knowledge, and someone needs to be able to establish the elements of the business records exception to hearsay.

There will generally be an affidavit or declaration from a purported custodian of records, but they are very often defective because, typically because they don't recite much of a factual basis beyond reciting the elements of the hearsay exception.

And if they do assert some specific facts, you can challenge them in discovery.

Naturally, if there have been multiple assignments, the problems compound.

Those aren't insurmountable problems by any means. But plaintiffs don't want to put the time and effort into fixing them and don't want to risk having their internal documents exposed.

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40699675)



Reply

Date: August 2nd, 2020 8:24 PM
Author: Zombie-like Mad Cow Disease Background Story

same. Ive pushed off Midland Funding multiple times. One time they took it all the way to the day before trial before completely dropping their case based on a few letters I wrote. Fuckers, I hope that entire industry goes to jail.

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40697379)



Reply

Date: August 3rd, 2020 1:05 AM
Author: disrespectful office

Fuck Midland. They once had to cut me a check for $18k in fees on a credit card case.

(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40698413)



Reply

Date: August 2nd, 2020 7:08 PM
Author: pea-brained vigorous school



(http://www.autoadmit.com/thread.php?thread_id=4596215&forum_id=2#40697136)