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CREDITWRENCH-TheTruth

This blog is dedicated to illustrating the depths of depravity to debt collectors and their cronies who infest various message boards spewing their spam, insults and filth can and do sink. They will stop at nothing to berate others while trying to elevate their own perceived worth.

Sunday, July 20, 2008

How creditwrench works

QUESTION:

You're a saint and I plan on joining your group. It seems you have informed me better advice in one response than my lawyer has in hours of his BS and his outragous fee's. Regarding this circumstance that we are dealing with. I was sent (2) seperate letters from the same lawyers office(Faber and Brand), regarding 2 separate amounts from the same credit card . It makes no sense I dont even have 2 accounts with the credit card company they are attempting to collect on Federated Capital(i.e wash mutual/providian ). So what I get from your response is that I should definitely validate. Do you offer a standard validation letter that is appropriate to send them?
Thanks in advance.

Answer:

Yes, I go through all of that in one of the links above and yes, I realize that there is a mountain of reading to do in those links so I will answer your question directly.

First of all, yes, as part of your creditwrench course you do get a standard validation template you can use but it will have to be modified just a tiny bit each time you use it. But that isn't all.

Obviously you can get any number of validation letters from multitudes of web sites all over the net but the creditwrench validation letter is very, very different and mostly because it does not use a lot of useless and irrelevant nonsense and legalese that is to be found in most validation letters.

And you can also obtain what is known as an estoppel letter from a multitude of web sites on the net. You get one of those as well as part of your course.

From there all resemblance of what you can find on the net for free stops and creditwrench comes to the forefront with a series of continued letters ending in an intent to sue letter which is fully legal in format and the case is ready to file in federal court at that point. In other words once you use the full series you will understand exactly how to file a case in federal court.

In some instances it is not advisable to use the entire sequence. One example is when you have already been served a summons to court or you are going to try to get a judgment vacated. Under those circumstances it is not practical to use the entire series. You will be taught when to use the full series and when not to.

But that is only a very small part of what you will learn as you proceed through your problems.

You will also be taught various defense and offense mechanisms and how to use them and when to use them.

You also get access to our creditwrench student's lounge which is a password protected section of our message board which you already know about. What is posted there is information for students that we do not want made public and also discussions between students.

Once you are a creditwrench student you will always be a creditwrench student and you will never be asked for any more money no matter how many times you need consultation about some problem or other. You get the right to have unlimited technical support for as long as creditwrench lasts as a viable entity. I certainly hope and pray that will be for at least another 40 or 50 years.

In other words, I will give you all the support and help you will ever need until the time comes when I am forced to start taking my dirt nap. After that, you are out of luck and on your own. (LOL)

Sorry but that is just the way life is. When its over its over. (LOL)

So I'm ready to get started any time you are.

Calvary Portfolio Services, LLC

Calvary Portfolio Services, LC



Question: Hello, i am new to this site and i have reviewed some of the questions & answers. I like the responses to some of the more complexed questions, so here is my question: Recently i received a summons to go to court from a company named Calvary Portfolio Services, LLC. The attorney's name is Anne Thomas affiliated with Thomas Law Offices, PLLC. On this summons, the return address is really the address of Cavalry Portfolio Services, LLC but it is being listed as the address of Thomas Law Offices, PLLC! Portions of the address is omitted and my guess is that the name of Calvary Portfolio Services, LLC is not shown for a reason. Anyway, not only the concern about the return address, they filed an outdated legal document, the wrong address for the court, the wrong name as the court clerk and i thought that they could not file anything with the courts until all of the return service (green cards) were received back from the respondents (debtor). Secondly, i found out that my 14-year-old son signed for the certified letter they sent to me regarding this summons. I thought that in order for this service to be effected, the signer would have to be 18 years or older. This summons lacks the CIS# that goes along with the packet, so much is missing from this document. It has the revised date of 09/2002 but looking online the revised date of the official new documents is 2008. I really think that this is a bogus case but i am not sure,I thought about using this as a defense along with the fact that the debt they are coming after me is well over 18 years old and was under a Bankruptcy that was filed and discharged under a Chapter 7 in the 1990's! I know that i typed a lot but i tried to sum things up all in one questionairre. Also, i found out that this company has been doing this to others as well. Can they purchase an old, old debt like this one and get away with it, wasting my time and the court's time?

Answer: They are not wasting your time nor the court's time if you don't respond to the summons and complaint in a proper manner because they will get a judgment and then you will have lost your opportunity to plead the defenses you have available to you.

How do you know that they have the wrong address for the court and the wrong name as the court clerk? Maybe they filed in the wrong court? The correct court would be the court system in your county. Maybe they filed in a different county or state? I would strongly suggest that you check with the clerk of the court in both courts and see whether a case has been filed against you in either one. If so you will have to respond to the summons no matter what court it has been filed in. If they filed in the wrong court you will have to inform the court that they don't have jurisdiction and state what state and county you live in. You may have to prove where you live with copies of utility bills or your driver's license or something official.

When you get it into the proper court you can then start to defend and of course the best defense is a strong offense. I would also recommend that you speak to the judge or referee of the bankruptcy court where you filed bankruptcy to see if that court can be of some help to you. I know little or nothing about bankruptcy but it seems to me that I have read somewhere that attempting to collect a debt discharged in bankruptcy constitutes a contempt of court. Don't bother going to the attorney who filed your case because he probably won't want to do anything unless you pay him again.

This appears to me to be a case that is ripe for a federal case against the debt collector and the attorney who filed it for a multitude of violations. Why not file a federal case against them and make them pay you for your time and trouble to defend. This case ought to be worth several thousand dollars in your pocket. Don't be frightened about filing a federal case. It simply isn't hard to do and it certainly don't need a lawyer to do it for you. Learn how to do it yourself.

Bill Bauer
405-684-9297
405-227-9423

Make money using this search engine instead of Google, Yahoo, MSN or others and get the same results. Get paid in Visa Reward Point cards.
http://www.shrinkmylink.com/qlmqson

RECOMMENDED READING
Subscribe to Creditwrench mailing list on google groups.
http://www.shrinkmylink.com/iomqson Creditwrench google group by email.

http://www.shrinkmylink.com/hhlqson FDCPA EXPERT
www.creditwrench.com/howjudgmentswork.html
www.creditwrench.com/18questions.html
http://shrinkmylink.com/kmlqson
www.creditwrench.com/objections.html
www.creditwrench.com/howcreditwrenchworks.html
http://www.shrinkmylink.com/bnlqson List of community property states
How to answer a summons
http://www.shrinkmylink.com/exlqson

LISTEN TO THESE CREDITWRENCH STUDENTS CHAT ON OUR FRIDAY NIGHT CONFERENCE CALLS.

http://www.creditwrench.tv/MIKEJM-06-27-08.mp3
http://www.shrinkmylink.com/uimqson Mike JM tells about Greentree Financial case.
http://shrinkmylink.com/xsjqson
http://www.shrinkmylink.com/danqson Mark in Rhode Island gets settlement offer

Statute of Limitations for all states
http://shrinkmylink.com/zlwpson

How to set up your hard drive for creditwrench files. Makes them easy to find.
http://tinyurl.com/3lqxaw
The Creditwrench conference calls will start this coming Friday evening at 7 P.M. Central time. It is free and open to the public. There is no cost or obligation other than what it may cost you for the phone call itself. You can join in and ask questions or just listen or whatever you want to do.

Dial-in Number: (712) 432-1601
Access code: 508548#

You might also want to visit our message forum at http://consumers.creditwrench.com to get answers to questions you need answered before next Friday night.

If you live within driving distance of Oklahoma City you can also come to our monthly meeting of the Oklahoma City Chapter of Jurisdictionary meetings. They are held on the 2nd Thursday of each month at Coit's Root Beer Stand which is located on the corner of SW 24th & Western Ave in Oklahoma City. The meetings start promptly at 7:00 P.M. and last for 2 hours. Attendees usually arrive about half an hour early so they can enjoy a good meal at Coit's Root Beer Stand. The meetings are free and open to the public and we can discuss your problems as well if you like.