topic Re: Should I pay the Law Office? in Rebuilding Your Credit

Should I pay Wolpoff and Abramson?

Anonymous — Wed, 11 Jul 2007 02:08:38 GMT

Greetings,

I got served last year for a Best Buy Account in the amount of 3,298.13. I of course was a no show and the plantiff won the case and got the judgement reported to the CRAs TU and EQ as public records afterwards. I was able to reach the Lawyers Office and asked if the Public Record would be deleted if the balance was paid. She said she had no control over that but they would report it as PAID to the client which is LVNV Funding and it would be up to them to make that decision. You guys think I should use a PFD to ( LVNV Funding ). I really want this to come off my Credit Report but if it's not going to be removed after I pay it, I might as well live with it on my record as unpaid anyway until 2013. The date they reported it was 03/06. The Date of Last Payment was 10/01. Wouldn't the date of last payment make it fall off after 7 years? Would the Public Record also fall of to?

Thanks

Message Edited by theshadow12345 on 07-10-2007 07:08 PM

Re: Should I pay the Law Office?

Anonymous — Mon, 09 Jul 2007 17:43:00 GMT

LVNV are not nice people to deal with. I believe it is 7yrs from the date it was filed since it is a judgement now. A judgement can be renewed every 7 to 10 yrs with the courts. Plus in some states they can garnish you r wages. They also are allowed to add intrest to your judgement which means even more money. If I were you I would do some research on LVNV. You should google that and do some reading I found some interesting things there that may apply to your situation and may help you to get the judgment vacated. Keep us posted and I will see what I can find for you as well just be careful dealing with them and there so called attorneys.

Debbie

Re: Should I pay the Law Office?

Anonymous — Mon, 09 Jul 2007 17:45:21 GMT

A judgment is a little different than just letting it sit on your credit report. One Judgments are renewable and as you can tell they are killing you CR. But more importatly, now they have won the judgment they can legally seize your bank accounts, garnish your wages, seize your tax returns, put a lien on your house, if you have one, may even go after your car.

You no longer are sitting with any kind of leverage so I would try a PFD, I mean it can't hurt, but I wouldn't play hardball with them. They got the judgment.

Re: Should I pay the Law Office?

Anonymous — Mon, 09 Jul 2007 17:50:40 GMT

Thanks NikO. I'll do a little research on LVNV. I'll keep you posted.

Re: Should I pay the Law Office?

Anonymous — Mon, 09 Jul 2007 18:09:22 GMT

Shadow - from what I'm experiencing with them they are the "quiet behind the scenes" baddie and hire out CAs to do the actual suing. Judgments are reporting for 7 years; does not matter if they are paid or not (according the CRs); and LVNV can't change that portion of reporting if the Court document was filed.

There are over 40 lawsuits against LVNV in TX for various violations of consumer rights - good luck - I think I'm about to get hammered by them myself even though they've never proven they have the authority to collect on the account. I made the mistake of going to court without a lawyer and I'm hoping this lawyer I found will take the case & help me fight back.

Re: Should I pay the Law Office?

Anonymous — Mon, 09 Jul 2007 18:13:20 GMT

Are you past your states SOL because if you are you can use that in court as a definse and LVNV will loose the case. What State are you both in?

Re: Should I pay the Law Office?

Anonymous — Mon, 09 Jul 2007 18:21:07 GMT

Im in Houston Texas. I believe its 4 years for me...

http://www.credit-repair-specialist.com/debt-collection-statute-of-limitation.html

Thanks

Re: Should I pay the Law Office?

Anonymous — Mon, 09 Jul 2007 18:23:52 GMT

I'm in MN, DOFD was 9/02; and the account has been sold numerous times; I've just used info I've found online to request DV; and I realized after court they still have yet to prove they are authorized/own the account from OC Providian...which is why I want the lawyer and as many have said in here - get a lawyer

Re: Should I pay the Law Office?

Anonymous — Mon, 09 Jul 2007 18:24:04 GMT

What was the date of last Delinq. on that account that LVNV bought? It goes from the DOLD from the orig. creditor not from when LVNV bought it. They have a bad habbit of that.

Re: Should I pay the Law Office?

Anonymous — Mon, 09 Jul 2007 18:32:56 GMT

They are slick in your case because your SOL for MN is 6yrs across the board and that is not up until 9/2008 in your case so they filed just in time but I would make sure to bring your proof that they did not validate to court with you and anything else you can get your hands on like disputes you have made with CRA as well.

Re: Should I pay the Law Office?

Anonymous — Mon, 09 Jul 2007 18:47:26 GMT

nikkoslilmouse wrote:
Are you past your states SOL because if you are you can use that in court as a definse and LVNV will loose the case. What State are you both in?

They already have the Judgment awarded to them, they got the default judgment, The SOL defense is no longer in play. If you had a case with that you needed to use it as a defense when they orginally sued you. It doesn't matter anymore, the debt could have been 20 years old but if you don't show up in court then it's over. They win.

The only hope you can have now is trying to get the judgment vacated based upon improper service or something else. But if you were served and you had the notice in your possesion, I'm sorry to say it doesn't look good.

Re: Should I pay the Law Office?

Anonymous — Mon, 09 Jul 2007 19:44:44 GMT

Ok I went ahead and did a PFD letter to the CA. I have a question though, Since the Attorneys Office wants the payment for the Balance of $3239.43, should I send payment to them or LVNV funding?

Thanks

Re: Should I pay the Law Office?

Anonymous — Mon, 09 Jul 2007 19:48:22 GMT

I would call both LVNV and the attorney's, more than likely it'll be LVNV but call both to confirm.

Re: Should I pay the Law Office?

Anonymous — Mon, 09 Jul 2007 19:49:43 GMT

In Beach123 Case it is not to late for the SOL defense as he/she is still going through court with them. Yes it to late for theshadow12345 in that case but there may be a way for them to get it vacated.

Re: Should I pay the Law Office?

Anonymous — Mon, 09 Jul 2007 19:52:12 GMT

I called attorney already and she said that they would be the one to receive the payment to give to thier client. That way they can dismiss the case and all that other Court Stuff they have against me. She said it would be quicker this way..

I'll call LVNV Funding just to make sure..

Thanks

Re: Should I pay the Law Office?

Anonymous — Mon, 09 Jul 2007 19:53:44 GMT

Theshadow12345 try going to www.budhibbs.com before you do that and you may be able to get help with this I am working with them to get LVNV off of our credit reports. I have a phone number and email address if you need it for them as well. I know alot of people that are dealing with LVNV and several have won even after a Judgement was given on there (LVNV) behalf.

Re: Should I pay the Law Office?

Anonymous — Mon, 09 Jul 2007 20:33:59 GMT

Nikko,

Contact information please? Please PM or Post.

Thanks

Re: Should I pay the Law Office?

Anonymous — Mon, 09 Jul 2007 22:24:03 GMT

Just an update:

I called LVNV funding and they were able to see my account as being reported to an Attorneys. When I told the Rep that there was a judgement against me she said that it wasn't on thier computer system and was suprised about it. I asked if I paid the Balance if they would remove the Account and all Public Records and she said they would but they would need the Judgememnt Date, Case #, The Amount Owed, The District, and Interest Docket (or something like that? ) from the Attorney. Im waiting call from the Law Office for this information so I can complete this PFD letter and send it to LVNV Funding.

I also tried Bud HIbbs and explained my situation to them. Waiting to hear from them also..

Hopefully something works out here. This judgement is hurting my score and alot of more other things.

Thanks for the Help

Re: Should I pay the Law Office?

Anonymous — Tue, 10 Jul 2007 15:36:00 GMT

OK im so close in paying over $3000.00+ for an LVNV funding account (Best Buy) that was reported to an attorney. I called the lawyers Office and he said that the Public Record Will not be removed even after I pay it. It would though put it as a PAID status under my report. BudHiBBS said that the only thing to do is pay and they can mark it as satisfied which would enhance my score.

Im just wondering if this will help me to purchase a new home down the road with my Bad Credit. My TU Report looks like this with a score of 504...

Total past due $15,448
Credit History 19 Years

Late Payments 22

Total balance of Your revolving accounts $6,530

Your mortgages None

Your installment loans $33,795

Total number of Accounts 38

Accounts with balances 16

Accounts opened in past year 4

Recent inquiries 11

Collections 7

Public Records 1

Thanks

Message Edited by theshadow12345 on 07-10-2007 08:36 AM

Re: Should I pay the Law Office?

Anonymous — Tue, 10 Jul 2007 15:38:58 GMT

Bud Hibbs is a little swamped I think the best time to contact him may be around 5:00 his time. I spoke with him last night and he put me on the right track as to what my next move will be. That is what I am working on now. Just make sure that if you get them to agree to the PFD that you are careful of how they word that and I would still speak with Bud if at all possible or send him an email. I send one yesterday morning and he got back to me just before lunch yesterday to have me call him. Good luck

Debbie )