Banks, Collectors, and CRAs Discuss the elimationa of secured and unsecured "debt", as well as tactics for dealing with debt collectors and credit reporting agencies.


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  #1  
Old 08-29-2004, 01:01 PM
svanos
 
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Need Help! Being Sued!

I just found this forum a couple of days ago and registered. I don't have time to search and read everything here in the time I have left.



Please help. I am being sued by 2 credit card banks - at least the attorneys are claiming that they are representing the banks. However, I know for a fact that the credit card accounts have been charged off months ago.



Also, MBNA went to arbitration against my daughter OVER her explicite objections which I sent to them and to NAF by certified mail. Now, they are trying to get it confirmed locally and she has not been served because she moved to Georgia 3 months ago (they sent service to my house in Ohio).



1. How can I prove whether or not an attorney bought the debt, was assigned the debt, or retained by the bank? Interrogatories?



2. If the attorney bought the debt, aren't they committing fraud on the court by suing in the name of the bank?



3. If they bought the debt, I thought they could only sue for up to the amount they paid for it? Where is this in the law?



4. Is an arbitration award that I obtained against the bank unchallengeable if they didn't object within 90 days? Where is the law on this?



I need help and advice fast. I have filed a motion to dismiss on one bank and that hearing is on Sept 9th.



Thanks, Steve
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  #2  
Old 08-29-2004, 01:55 PM
HenryBowman
 
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First of all, this is only a credit card. Relax. if they win judgement without a competent witness, it can be voided.



Second, the FIRST issue is verification of the debt. Until that is proven by the plaintiff, nothing else matters. It cannot be proven without a competent witness, and an attorney is not a competent witness, unless he has been sworn in as such, and then only if he has firsthand knowledge of the facts.



Third,

Re your questions:



1: ask them in written form.

2. If the bank is the owner of the alleged debt, then the attorney can initiate action in the banks name, but only via authority granted to him by the bank. Even then, "Statements of counsel in brief or argument are insufficient for summary judgment." Trinsey v. Pagliaro

3.Ask them if they bought the debt. I believe that's a felony if they bought it just for purposes of pursuing judgment, but I don't have that cite.

4.Don't know. Check your state statutes on arbitration, and see the annotated on those.



I am not an attorney, nor would I ever be a scum sucking, bottom feeding lying bas***d attorney, and my advice should not be construed as legal advice.



HB

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  #3  
Old 08-29-2004, 05:50 PM
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charlesa6 charlesa6 is offline
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Henry Bowman

I like your style you sound like a real attorney who no what is doing. Keep up the good work.
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  #4  
Old 08-29-2004, 06:04 PM
HenryBowman
 
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Quote:
Originally Posted by charlesa6
Henry Bowman

I like your style you sound like a real attorney who no what is doing. Keep up the good work.



I don't know if that's a compliment or not.



I am but a student of others here. I am learning, but if you spend time here, so will you.



HB
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Old 08-29-2004, 06:10 PM
TheBlackTruth TheBlackTruth is offline
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Need Help! Being Sued!

<font color=darkblue face="tahoma">I agree with HB's initial statement.



This case seems to have presented itself almost verbatim as the sample case in the Cornforth Video. Heck, you may, under closer evaluation, discover you've not even been "sued" yet.



-BT[/color]
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Old 08-29-2004, 08:09 PM
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charlesa6 charlesa6 is offline
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Henry Bowman

It's a compliment to you.
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Old 08-29-2004, 11:43 PM
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Jerseee Jerseee is offline
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svanos,



Does HBs post sound familiar to you?



I told you to stop arguing and start demanding verification through the code (USC 15 Chp 41).



You cannot do all the things you want to do at the last minute. But what I have given you before is the key---demand proof the debt is valid. If you do not have time to read--then start working on the void judgment part. In other words, if you are expecting to lose---prepare to get the judgement void. But before anything else, stop arguing over an alleged debt and demand verification.



Go to the downloads section of the site and read the Sui Juris bank flyer. Surely you have time to read a one page document that will help you.



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  #8  
Old 08-30-2004, 09:57 PM
sadie sadie is offline
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svanos



Quote:
4. Is an arbitration award that I obtained against the bank unchallengeable if they didn't object within 90 days? Where is the law on this?




If you already have an award against the bank it is my understanding that you have 1 year to have it affirmed by the court. Why wait?
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not legal advice - just my 2 cents (not lawful money)
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Old 08-31-2004, 12:16 AM
onemaster
 
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Need Help! Being Sued!

You probably don't even really have a case yet. Do you have a copy of the Complaint? Is the cause for the Complaint legit? Do they have competent witnesses, or just attorneys passing on unrefuted hearsay? Am I speaking Greek to you? Learn Greek.



If you don't have time to defend yourself, (i.e. spend a few sleepless nights in front of your PC learning how to win this battle) then you will lose. It's really a matter of how you prioritize your life. It least it has been for me. A few sleepless nights beats the heck out of years of paying off debt needlessly. Your decision.



Anyhow, here are a couple of cites on 'void judgments' and 'jurisdiction' which you should know. If you don't understand those two terms, you should not step into the arena at all. Just do a search on this forum of an online legal dictionary to get a handle on terms. You might be surprised how quickly you can come out of the fog... And do a search on this forum for "Cornforth", download the videos at the link you will find, and stop the world for six hours. If you really want to win.



You also owe it to yourself to read the Fair Debt Collection Practices Act and see if it might apply to your situation. I am sure it does. In my experience, the Civil Warrant for alleged money due actually contained a clause from the FDCPA that debt collectors have to display when collecting a debt. This allowed me to incorporated the FDCPA in my favor, and use it to make them obey the law.



A debt which has not been validated, is (ta da...) NOT VALID. So any determination made by a court on a debt which is NOT VALID, is at the least questionable. At the best not enforceable. (i.e. Void). It's a bit like only hearing one side of the story in a dispute, and then making the best decision you could with only half of the facts. If you don't present your truth, theirs will always prevail. And you will pay for dinner. When they could BE dinner.



Cases on Jurisdiction and void judgements:



"Either a judgment is valid or it is void, and the court must act accordingly once the issue is resolved." In re Marriage of Hampshire, 261 Kan. 854, 862, 934 P.2d 58 (1997).



"A judgment is void if the court acted in a manner inconsistent with due process. A void judgment is a nullity and may be vacated at any time." 261 Kan. at 862.



"A void judgment is one that has been procured by extrinsic or collateral fraud or entered by a court that did not have jurisdiction over the subject matter or the parties." Rook v. Rook, 233 Va. 92, 95, 353 S.E.2d 756, 758 (1987)



A judgment obtained without jurisdiction over the defendant is void. Overby v. Overby , 457 S.W.2d 851 (Tenn. 1970).



A void judgment is one of the grounds for relief under Rule 60, Tenn. R. Civ. Proc. See Rule 60.02(3).



In a criminal proceeding lack of subject matter jurisdiction cannot be waived and may be asserted at any time by collateral attack.

[U.S. v. Gernie, 228 F.Supp. 329 (D.C.N.Y. 1964)]





Jurisdiction of court may be challenged at any stage of the proceeding, and also may be challenged after conviction and execution of judgment by way of writ of habeas corpus.

[U.S. v. Anderson, 60 F.Supp. 649 (D.C.Wash. 1945)]



"The law requires PROOF OF JURISDICTION to appear on the Record of the administrative agency and all administrative proceedings." Hagans v. Lavine, 415 U.S. 533 (1974)



"Therefore, it is necessary that the record present the fact establishing the jurisdiction of the tribunal." Lowe v. Alexander 15C 296; People v. Board of Delegates of S.F. Fire Dept., 14 C 479



"A Justice's Court is an inferior court, and its jurisdiction must be shown affirmatively by a party relying upon, or claiming any right under, its judgments." Jolley v. Foltz (1867), C. 321.



"If any tribunal (court) finds absence of proof of jurisdiction over person and subject matter, the case must be dismissed." Louisville RR v. Motley, 211 U.S. 149, 29 S.Ct. 42 (1908)



"A judgment is absolutely void if it appears that there was a want of jurisdiction in the court rendering it either of the subject matter or the person of the defendant." Hahn v. Morse (1868), C. 391.



"An officer who acts in violation of the Constitution ceases to represent the government." Brookfield Const. Co. v. Stewart, 284 F.Supp. 94.



"Judges not only can be sued over their official acts, but could be held liable for injunctive and declaratory relief and attorney's fees." Lezama v. Justice Court, A025829.



"Our own experience is fully consistent with the common law's rejection of a rule of judicial immunity from prospective relief. We never have had a rule of absolute judicial immunity from prospective relief, and there is no evidence that the absence of that immunity has had a chilling effect on judicial independence." Pulliam v. Allen, 466 U.S. 522, 104 S.Ct. 1970 (1984); cited in Lezama v. Justice Court, A025829.



"Judge acted in the face of clearly valid statutes or case law expressly depriving him of (personal) jurisdiction would be liable." Dykes v. Hosemann, 743 F.2d 1488 (1984).



"In such case the judge has lost his judicial function, has become a mere private person, and is liable as a trespasser for damages resulting from his unauthorized acts."



"Judge's honesty of purpose and sincere belief that he was acting in discharge of his official duty was not available as defense in action."



"Where there is no jurisdiction there is no judge; the proceeding is as nothing. Such has been the law from the days of the Marshalsea, 10 Coke 68; also Bradley v. Fisher, 13 Wall 335,351." Manning v. Ketcham, 58 F.2d 948.



"A distinction must be here observed between excess of jurisdiction and the clear absence of all jurisdiction over the subject-matter any authority exercised is a usurped authority and for the exercise of such authority, when the want of jurisdiction is known to the judge, no excuse is permissible." Bradley v.Fisher,13 Wall 335, 351, 352.



"The immunity of judges for acts within their judicial role is beyond cavil." Pierson v. Ray, 386 U.S. 547 (1967).



"Ignorance of the law does not excuse misconduct in anyone, least of all in a sworn officer of the law." In re McCowan (1917), 177 C. 93, 170 P. 1100.

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  #10  
Old 08-31-2004, 07:50 PM
RICKY RICKY is offline
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[....was assigned the debt... ]



CAN SOMEONE DEFINE THIS TERM FOR ME? HOW CAN A DEBT BE ASSIGNED?



WHAT IMPLICATIONS MIGHT IT HAVE IN RESPECT TO A DEBT COLLECTOR OWNING AN ALLEGED DEBT AND TRYING TO COLLECT ON IT?



PLEASE AND THANK YOU,

RICKY
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