james callahan
santa ana,#2Consumer Comment
Mon, June 04, 2012
I was taken my Ronda Middleton Attorney family law now working out of her new office in Fullerton, California. My loss was not only the $5000 I paid her, but also middleton screwing up my case and causing me to lose custody and visitation of my only child. I do not recomend using her for anything except maybe very simple matters, or better yet hire and honest person who doesn't cheat their own clients.
Eagle
Lupton,#3Consumer Comment
Fri, March 07, 2008
I got the same treatment from Bank of America and American Express. I had always paid on time with both cards and sometimes paid more than required if I had extra. Unfortunately, I had to go off On Family Medical Leave from where I was working and ended up on permanant disability through Social Security Disability. Though I had had a problem with my illness for many years, I refused tolet it get the best of me because I had children to take care of at home as a single parent with no hope of getting child support from a deadbeat parent. Eventually, my illness got the best of me and I was forced to go off on FMLeave by my Doctors. Which when I was forced to apply for Social Security Diability, even their doctors DID NOT want me working. So, I became unemployed and then came the waiting for my determination of disability and then the waiting period of waiting for my money to come in, ehich was very little when it did come in because my last 10 years of work were underpaid jobs. Not to mention, that two employeers took out SS and Medicare etc.. and Never sent the money in so I could get credit for it which ended up being approx $10,000 or more. Nothing I could do. Anyways, since I had no income my family was forced to support me and my children while I waited for my disability to go through which is only approx $600 per month to live on for me and 2 kids. Alright, the money went through and these companies kept calling and when I started getting income, the little that is coming in, I asked to make an agreement with both to pay $25 per month on each which I know isn't much but I don't have that much coming in. To my shock, they both refused payment saying it wasn't good enough. I tried several times to make this arrangement and they kept refusing. I was not trying to run away from my debt or get out of it I was trying to make payments that would allow me to pay on both these debts and put food on the table for my children. So, even though I had excellent credit to begin with and have no bad debts since or other than these two that are legitimate, it has ruined my credit reprot and jacked up my insurance. So, I guess what I'm saying to these companies, accept the payment, it is better than nothing and no parent in their right mind is going to pay something like this before they put food on the table for their children Good Luck to you.
Robert
Buffalo,#4Consumer Comment
Sun, January 20, 2008
""or seek credit counseling, you legally affirmed the debt."" How would going to a non-profit agency for credit counseling "legally affirm the debt?" FYI, Consumer Credit Counselors of Sacramento was a "life saver" for me back in 1978. I learned to negotiate with creditors, set up a repayment schedule, and paid everything I owed off EARLY. It took me over 2 years to do it, but the techniques they taught me worked and still work in these "goofy" usurious lending times.
Steve
Bradenton,#5Consumer Suggestion
Sun, January 20, 2008
Francais, The very first rule when dealing with a third party debt collector is to stay off the phone! Speaking to these monkeys will NEVER do anything positive for you. Actually, any conversation with them will usually make things worse for you. Get everything in writing! Immediately upon telephone contact by a bottomfeeder, send a CEASE COMMUNICATIONS request as per the provisions of the FDCPA. Send this letter by certified mail, return reciept requested. Be sure to put the certified# on the letter itself and keep a copy for your records. This procedure is very important. Understand that no collector can garnish your wages or sieze your assets without first suing you and winning, and then getting a judgement. Even then, states limit how much they can garnish and what can be taken. Remember that the legal burden of proof is on them to prove that you owe them the money. As soon as you even discuss payment arrangements or seek credit counseling, you legally affirmed the debt. Credit counseling /debt consolidation is usually a scam. Just file bankruptcy.