can you send PFD after being served?

Anonymous · ‎09-15-2007

I sent PFDs out on all my bad TLs. I've gotten positive answers for little stuff: an old negative balance from a bank, a cell phone charge off, and one of those stupid CD clubs. I'm trying to just settle up with everybody and move on.

I didn't get a reply from one lender (American General Finance) and then today I get a letter saying if you don't pay us by 21 September our lawyer will seek a judgment. DOFD was in March. I got the same letter, like 2 months ago, but this time it didn't have an amount on it. The first time it was, pay all your back payments or we'll sue. So should I try and send them another PFD to American General or should I send a PFD to the lawyer when I get served? I'm dealing with them exclusively in writing now, 'cause the folks in the office were jerks and I can't take their word for anything.

Also, loosely related. I used my POS car as collateral for this loan so they have the title. I'm expecting them to mail me the title when I pay them. It's kinda implied. But do I need to be explicit in the PFD? Should I say, "I expect you to mail me my title when I pay you." I've never had a car loan, so I don't know if they mail you the title at the end or what.

Message Edited by uptomyneck on 09-15-2007 11:32 PM

Anonymous · ‎09-16-2007

Nobody? Anybody got any ideas?

Anonymous · ‎09-16-2007

If you have already been served-
Get an attorney - you need to answer the suit. That is the first thing.

Then we can talk about negotiating for them to drop the suit.

Anyone else?

Anonymous · ‎09-16-2007

uptomyneck wrote:
I sent PFDs out on all my bad TLs. I've gotten positive answers for little stuff: an old negative balance from a bank, a cell phone charge off, and one of those stupid CD clubs. I'm trying to just settle up with everybody and move on.
I didn't get a reply from one lender (American General Finance) and then today I get a letter saying if you don't pay us by 21 September our lawyer will seek a judgment. DOFD was in March. I got the same letter, like 2 months ago, but this time it didn't have an amount on it. The first time it was, pay all your back payments or we'll sue. So should I try and send them another PFD to American General or should I send a PFD to the lawyer when I get served? I'm dealing with them exclusively in writing now, 'cause the folks in the office were jerks and I can't take their word for anything.
Also, loosely related. I used my POS car as collateral for this loan so they have the title. I'm expecting them to mail me the title when I pay them. It's kinda implied. But do I need to be explicit in the PFD? Should I say, "I expect you to mail me my title when I pay you." I've never had a car loan, so I don't know if they mail you the title at the end or what.

Message Edited by uptomyneck on 09-15-2007 11:32 PM

what is your SOL? You say march,but of what year??

You can send a DV and a PFD CMRRR 1 maling BUT 2 seperate letters. COPY each letter & CM # and GC.

Not enough info. for me to advice.

If you used you car as collad. they have you by the !@&**&. so handle with care.

Check with your state as to *what to do,PIF never received title*??? just to be ready.

Anonymous · ‎09-16-2007

It was March 2007.

What's CM# and GC? Who should I mail the DV and PFD to the OC or the attorney?

I'm not worried about the car. It would cost them more money to come get it and auction it then they would get for it. I just want the title so I can donate the car or something. I'm just not sure who I'd deal with to get it back.

Anonymous · ‎09-16-2007

uptomyneck wrote:
It was March 2007.

What's CM# and GC? Who should I mail the DV and PFD to the OC or the attorney?

I'm not worried about the car. It would cost them more money to come get it and auction it then they would get for it. I just want the title so I can donate the car or something. I'm just not sure who I'd deal with to get it back.

cretified mail...return mail requested....green card. CM always has a #.

I would DV them along with PFD letter.

When you pay, be sure to write on check....account PIF..deleted from credit report!

You should be able to contact state for duplicat title by using copy of cashed check. Remember before you do this you must wait at least 30 days to give CA a chance to mail it. So be sure to put PIF on it.

The reason for writting PFD on check....may be able to get CRA to delete by showing cashed check with all this info on check.

this is copy of a post by another forum member

It's called a "restrictive endorsement". I got result with this from time to time. If they cash the check and do not comply with the restrictive endorsement, the returned, cashed check can hold up as a contract in court

Could you send a check to a collection agency a check for payment on a collection account and on the back of the check write " By cashing this check you are agreeing to delete all negative info from credit report" or something like that? To get the negative info deleted?

Message Edited by HappyDays on 09-16-2007 12:35 PM

Message Edited by HappyDays on 09-16-2007 12:38 PM

Message Edited by HappyDays on 09-16-2007 12:38 PM

Anonymous · ‎09-16-2007

Sweet. So should I send the PFD to their attorney? Or should I send it to the original creditor?

Message Edited by uptomyneck on 09-16-2007 04:34 PM

Anonymous · ‎09-16-2007

is the OC still showing on your CR????

PM!!!

Message Edited by HappyDays on 09-16-2007 01:57 PM