any of you been to court over debt?

[JoelB]

Yea I know about the part that its removed but how did he "hide" for 6 years till the statutes of limitations were up. Like did he do what other dude did and change the ss on his work or have the wrong info on the initial loan, etc?

Oh, He was playin Catch Me If You Can with them nikkas

 

[⠀⠀⠀]

i wonder what his credit score looks like. probably 300s

 

[Jesus Shuttlesworth]

Good stuff, I used to send out letters to the bureau's and got a good bit off my derogatory items removed but I still got a couple of stubborn ones on my Transunion that need to go I think I may go this route.

Have you encountered any debt collectors that forced you to take legal action for noncompliance?

Here's how my experience went. Debt collectors started calling and sending letters. I sent my verification letter, certified mail, kept the receipt. I told them in the letter they had 30 days to provide me with the proper documents.

So after the 30 I got a letter from a lawyer representing them. I simply sent the lawyer a copy of the letter I sent and a copy of the certified mail receipt.

A few weeks later I got a letter from another lawyer that said the first lawyer no longer represents the company in this matter.

I simply sent them a copy of the letter and receipt and also included in my letter to the lawyer that simply by them contacting me the company was in violation of the Fair Debt Collection Practices Act, which states that once verification is requested, all collection attempts must cease until such verification is provided.

My letters were piff too breh.

I remember it saying something like "I would have preferred not to go the legal root but your client's incessant harassment..."

They fell back.

Oh yeah I forgot to mention that your original letter should also request proof of item removal from your credit reports if the verification is not satisfied.

There's a website that lists law firms who specifically sue debt collectors over this. From what I understand these sharks are terrified of these lawyers and they'll take your case for free because it's a guaranteed win.

 

[Jesus Shuttlesworth]

So, I send the letter to Sallie Mae or to the Collection Agency they claim to have sold it to?

I'm talking credit card debts. I don't know if that works for Sallie Mae. They be on some mafia shyt.

But you can try. Send it to the collection agency. Good luck.

 

[JoelB]

Here's how my experience went. Debt collectors started calling and sending letters. I sent my verification letter, certified mail, kept the receipt. I told them in the letter they had 30 days to provide me with the proper documents.

So after the 30 I got a letter from a lawyer representing them. I simply sent the lawyer a copy of the letter I sent and a copy of the certified mail receipt.

A few weeks later I got a letter from another lawyer that said the first lawyer no longer represents the company in this matter.

I simply sent them a copy of the letter and receipt and also included in my letter to the lawyer that simply by them contacting me the company was in violation of the Fair Debt Collection Practices Act, which states that once verification is requested, all collection attempts must cease until such verification is provided.

My letters were piff too breh.

I remember it saying something like "I would have preferred not to go the legal root but your client's incessant harassment..."

They fell back.

Oh yeah I forgot to mention that your original letter should also request proof of item removal from your credit reports if the verification is not satisfied.

There's a website that lists law firms who specifically sue debt collectors over this. From what I understand these sharks are terrified of these lawyers and they'll take your case for free because it's a guaranteed win.

Had those lawyers playing hot potato with your letters... There used to be a forum where people use to upload templates that they would send...I need to find one


@ "Your clients incessant harassment" bwahahahahaha

Im gonna find a way to incorporate Ether lyrics in my letters....

 

[L&HH]

Damn y'all some smart mofos on here. nikkas would pay to have info like this.

 

[FluffyCorleone]

Forster and garbus just took $2500 from my bank account. I've never even heard of these guys.

 

[hatealot]

Forster and garbus just took $2500 from my bank account. I've never even heard of these guys.

lmao why are all the debt collectors offices in Long Island NY.

I got sued and have a judgement against me from an law office in long island as well.

 

[The Prince of All Saiyans]

 

[hatealot]

Forster and garbus just took $2500 from my bank account. I've never even heard of these guys.

Forster and Garbus Reviews -

★★★★★ 5 days ago
I owed 3,100 dollars and they had my bank account garnished for 8,300 these people are con artist

This was one of the worst companies I had to deal with. No do not look up my name I was helping a friend. JUST FYI. If you post a negative feedback or complain to BBB (which does not work anyway) Forster and Garbus will track you and hunt you. DO NOT DEAL WITH THIS COMPANY.

This place is a Scam. If you get any kind of notice from them don't panic. They use a legitimate name to this company to make you think you owe money to an old account. Just call the credit card company that they are saying you owe money to and speak to someone. But not anyone or number from the notice you received

Good Luck breh they seem to have horrible customer service and play a lot of games

 

[Orange cream shake]

Any help on getting medical debt removed? I’m not filing bankruptcy, I actually have a good credit score but I’m hoping getting rid of these medical debt will bump to 800 score

 

[FluffyCorleone]

Forster and Garbus Reviews -

★★★★★ 5 days ago
I owed 3,100 dollars and they had my bank account garnished for 8,300 these people are con artist

This was one of the worst companies I had to deal with. No do not look up my name I was helping a friend. JUST FYI. If you post a negative feedback or complain to BBB (which does not work anyway) Forster and Garbus will track you and hunt you. DO NOT DEAL WITH THIS COMPANY.

This place is a Scam. If you get any kind of notice from them don't panic. They use a legitimate name to this company to make you think you owe money to an old account. Just call the credit card company that they are saying you owe money to and speak to someone. But not anyone or number from the notice you received

Good Luck breh they seem to have horrible customer service and play a lot of games

I'm not even sure what to do. Call the bank to reverse the transaction? Hire a lawyer? (which would be expensive). I already got alot of problems (house fire now living in another apartment) so this shyt is super stressful.

 

[hatealot]

I'm not even sure what to do. Call the bank to reverse the transaction? Hire a lawyer? (which would be expensive). I already got alot of problems (house fire now living in another apartment) so this shyt is super stressful.

I think it might do you good to speak with a lawyer my guy once you have alll your documents in order.

What type of debt was this?

Were you notified of any notices of such collection?

Were you given a court date/hearing for the judgement? If a hearing was provided, did you not show up, if so then a default judgement was put in on your behalf.

You could contact the Law firm collecting from you to stop the garnishment(if there is a remaining balance) and setup a payment agreement.

I don't want to steer you wrong man, should speak to a professional

 

[FluffyCorleone]

I think it might do you good to speak with a lawyer my guy once you have alll your documents in order.

What kind of documents would I need?

What type of debt was this?

I don't have any debt.

Were you notified of any notices of such collection?

I did get a suspicious phone call weeks ago with an automated voice saying someone is using my SSN. And the automated voice told me to dial/give them my SSN. I hung up the phone though.

This might be a case of identity theft. Someone must have used my banking info to pay off their own debt. Engaging in a long legal battle is super stressful and expensive (and I got health issues so I don't think I can handle it). I'd rather not go that route. I'd rather just open a new bank account and forget about all this. (I've even entertained not having a bank account at all and keeping all of the money in a safe)

 

[Nature's Fury]

I have a lot of debt rn. About 5 different agencies trying to get $ out of me. My biggest fear is that they start garnishing my shyt, but I ain’t planning on paying any of it.