[sadie]

I have been involved in a slighly different process but to the same end to get rid of credit card debt.



I have asked for verification of debt from the bank and offer to pay when I receive it, sent a Notice of Recission of Contract which includes demand for verification and a timeframe. I then default the creditor and have everything recorded with the county clerk.



Similar process for the collection agencies.



From what I am learning here, it appears you use HRJ 192 and UCC strawman and offer a Note as payment of the debt or to discharge the debt. Looks very good to me so far. I will have to learn more about it. Do you also record with the county clerk?



I read in some of the posts about your making it notorius, and also saw posts about having trouble recording with the clerks.



My question is, if a default is publicly recorded, how do you get this converted to a court judgment so they can't continue to chase you?



I am being sued by a bank on a credit card as they seem to ignore everything including the FCBA and FDCPA.



I will fight this battle as best I can but would like to take all my publicly recorded defaults and have them recognized as judgments to prevent any more of these suits.



I greatly appreciate any help or suggestions.