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20 Jun 2022 - 03:08 am

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18 Jun 2022 - 03:19 pm

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Curtisacara

18 Jun 2022 - 03:02 pm

The odds facing Felipa Martinez weren’t better than those in any other case - which is to say, they weren’t good. But if there’s one thing the 58-year-old woman doesn’t suffer from, it’s a lack of grit. Born in Mexico, she immigrated to the United States as an adult, eventually resettling in Union City to raise her daughter. Martinez said she would often work three minimum-wage jobs in the course of a week - cooking in fast food restaurants, serving lunch at a bingo hall, cleaning houses, washing dishes, or doing whatever else came her way - earning just enough money to make ends meet. She has the scars to commemorate a life of hard labor: burns on her calf from scalding water, knuckle burns and knotty knife-marks on her wrists from working as a line cook. When she was diagnosed with cancer, Martinez kept the news to herself for as long as possible. She describes herself, in a former life, as strong and fast, with 20/20 vision. “Now I feel - how do you say it - impotencia,” she said in an interview, standing outside Austin’s courtroom with her daughter. But that didn’t stop her from waging a fight. Austin had two Cache collection cases on his calendar that day, and a representative from Cache was waiting outside by a window - he’d been subpoenaed to appear by Claire Johnson, a staff attorney from Bay Area Legal Aid representing another debtor.

Before hearing Martinez’ case, Austin sent her outside to attempt a settlement agreement with the collector and his attorney, Jo-Anna Nieves. Martinez’ daughter offered $500 up front to settle all scores and have the debt forgiven, and Nieves was going to take it, but Martinez intervened. “I said, ‘No, I have three root canals and she’s been saving money to pay for this,'” she snapped, turning to address her daughter. Plaintiff and defendant sauntered back into the courtroom after ten minutes of abortive negotiating. “Your Honor, we weren’t able to work something out,” Nieves said crisply. The trial would proceed.

Nieves began her cross-examination. “Did you open an account with Washington Mutual. Use the card to make purchases? Martinez nodded. “Yes,” she said, meekly. “Is the issue today that you can’t afford to pay? “Do you live … Gatter Drive in Antioch, California? “Did you receive credit card statements there? Austin turned to Martinez, who launched into a long monologue about her credit card statements. The interest suddenly spiked when the bank name changed from Washington Mutual to Chase, she said. Then interest piled higher after it changed again, from Chase to Cache. There were charges on the bill that she said weren’t hers - a $600 line item for a Blockbuster video store in Texas, and another $300 purchase from the Cheesecake Factory. She’d tried to contest them, called various bank representatives, and attempted to negotiate a payment plan with the collection agency. Nothing worked. “Interes, interes, interes,” Martinez chanted, slipping back into Spanish. Austin began his speech. “I see a lot of people in this same situation,” he said patiently. “Have you talked to anyone about the possibility of bankruptcy? ” Then he leafed through the bank statements from Cache with a quizzical expression.

ACA International, an industry group representing credit and collection professionals, criticized the report as flawed, saying that the survey was based on a relatively small number of consumers who interacted with debt collectors and that the form used leading questions. The group also said the timing of the bureau’s report, as the new administration prepares to take over in the nation’s capital, was politically motivated. “The C.F.P.B. has made a calculated move to release inflammatory but unreliable findings in an obvious attempt to strengthen its justification for its very existence in Washington,” Pat Morris, ACA International’s chief executive, said in a statement. The bureau’s report said that the survey was mailed in two stages in late 2014 and early 2015 to nearly 11,000 consumers identified from a database maintained by a major credit bureau, and that more than 2,000 people responded. The bureau said the survey’s estimates were representative of all consumers with a credit record. Here are some questions.

Answers about debt collection. What should I do if I am contacted about a debt that I don’t think I owe? Ms. Saunders advised consumers to seek help from a lawyer. If they can’t find affordable legal help, they should demand proof of the following from the debt collector: that the collector has the legal right to collect the debt; that the consumer is the person who actually owes the debt; and that the amount the collector is seeking is accurate. Often, she said, collectors pad the amount with fees and interest that they are not legally entitled to collect.

Nobody likes to face a debt collector. A call from a debt collector could be a symptom of financial hardship, or it could simply be an irritating reminder that you forgot to pay your doctor bill. Either way, you're not happy. Even so, you should definitely pick up the phone. A bill going to collections can have a substantial impact on your FICOВ® Scores. It's possible for a debt collector to start calling you before the collections has hit your credit report. So if you pick up the phone and pay off the debt immediately, you may be able to avoid an impact on your FICO Scores. If the collection has already been submitted to the credit bureaus, it's likely you'll see an impact on your FICO Scores. Collections stay on your credit report for about seven years - even if you pay off the debt. In general, the more recent the collections, the more impact it will have on your scores. The best thing you can do is pay your other bills on time and let the collection age. If you continue to make healthy credit decisions, your FICO Scores will heal over time. Beyond having an impact on your FICO Scores, collections can be a burden for an already-financially-stressed household.

Source:

- https://nocollectioncalls.com
Tags:
letter to debt collector to stop contact

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18 Jun 2022 - 08:49 am

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18 Jun 2022 - 03:51 am

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