Response from Federal Credit Union

Originally Posted by Ice

Why pay for an "alleged" debt ? If the debt cannot be verified as true and correct WHY SEND THEM A NEGOTIABLE INSTRUMENT ?

My point exactly Ice!!! Prove the legal validity of the debt first, then you will get legal tender (i.e. a CPN or other Negotiable Instrument).

[Jerseee]

Just make the offer to pay immediately upon proof of claim. this will keep you well in honor.



Also cute chick, your letter is giving too much information I think. You're explaining/defending yourself a little in that letter. Stop testifying.

Originally Posted by Jerseee

Just make the offer to pay immediately upon proof of claim. this will keep you well in honor.



Also cute chick, your letter is giving too much information I think. You're explaining/defending yourself a little in that letter. Stop testifying.

Yes Jerseee I ALWAYS make an offer to pay legal tender upon proof of claim in all my letters to this bozo Attorney.



Anyway, how did I defend myself in that letter or give too much info? All I said was *I'm broke, I can only afford to pay you $100/month; if you don't like my offer, then return my check and say your offer is rejected; otherwise I will keep paying you $100/month until I can afford to pay more.*



Remember, I knew NOTHING about how banks and alleged bank loans work at the time I wrote that modified contract so please keep that in the back of your minds. If I knew then what I know now, I would've went straight to the juggler and issued a VOD with a promise to pay legal tender in the future.

shall we start with "i'm broke." this is an open invitation to the sharks to find out just how much blood you really have...



jon

[Jerseee]

Thanks Jon--you've been critically reading!!! Nice work.



cute chick,



Jon has answered part of your question. You see, giving that personal information could lead away from verification and into something like this...."So, cute chick, when will you get a job to pay your bills?" "How do you intend on paying us or anyone else for that matter?" "When did you lose your job?"



Those things have nothing to do with verification and validation. Remember the letter I editted for you? How brief it was? Just enough information on there for them to do what you demand. try to keep it that way. A little less explaining yourself and personal life and a little more commanding and directing according to law and code.

Originally Posted by Jerseee

Thanks Jon--you've been critically reading!!! Nice work.



cute chick,



Jon has answered part of your question. You see, giving that personal information could lead away from verification and into something like this...."So, cute chick, when will you get a job to pay your bills?" "How do you intend on paying us or anyone else for that matter?" "When did you lose your job?"



Those things have nothing to do with verification and validation. Remember the letter I editted for you? How brief it was? Just enough information on there for them to do what you demand. try to keep it that way. A little less explaining yourself and personal life and a little more commanding and directing according to law and code.

Guys I understand what you are saying but that 2nd agreement is dead, moot, and has no legal effect because I asked for the payoff balance in August 2004, which shows that I now have the ability to pay. Remember, I knew nothing about VODs and verification at the time I wrote that 2nd contract.

[Ice]

Requesting a pay off balance does not imply that you have any financial ability of any kind.

[Jerseee]

Cute chick,



Whatever you say can and will be used against you. It doesn't matter when you said it--it matters that you said it.



And you stated in your last post:



"Guys I understand what you are saying but that 2nd agreement is dead, moot, and has no legal effect because I asked for the payoff balance in August 2004, which shows <u>that I now have the ability to pay</u>. Remember, I knew nothing about VODs and verification at the time I wrote that 2nd contract."



You've always had the ability to satisfy an alleged debt--you are the source of all wealth. But there has to be a valid debt in order for you to satisfy it. You will prove that for them if you keep writing and thinking this way.



I understand what you are saying. Do you really understand what I am saying?



Do really think that they will overlook your admissions in your writings and focus on your demands for verification?



This is what my angle is. I already know your intent--but if you give me ammunition to combat your efforts--you will have unwittingly sabotaged your own goals--through your admissions. no matter how subtle or minimal you think they are. they will exploit them to the fullest and then ask you questions about your own writings. next thing you know, you'll be their witness against yourself because of your writings and honesty.



This is just experience talking--nothing more. Of course you can take it or leave it. Good luck either way.

cute_chick, this kinda reminds of my experience (limited as it was, but rather insightful into how stupid most of us really are, er, i mean ignorant) in court...



i went in with "i'm this and i'm that" and got railroaded on issues other than the actual. this happend because i gave the ammo to do it.



somebody on this site (probably HB, i'm not sure) quoted the biblical phrase (which i'll paraphrase) "by their own words will they be hanged" or similar.



whenever you divulge personal information, innocent as it may seem, you open doors and avenues that shouldn't be opened as jerseee pointed out following my exposure of "i'm broke."



you need to play the part of prosecutor and hold them to their task - providing verification.



just like "we" need to hold the jerks accountable to our affidavits requiring rebuttal before proceeding, etc., as logan found out.



"stick to your ticket, harry, stick to your ticket..."



and, as ice said, asking the question you did, if that is all you did without stating you intended to pay off the alleged debt, did not state any financial ability/solvency of any kind. you just asked for a number, and didn't admit anything by the asking.



jon

Originally Posted by Ice

Requesting a pay off balance does not imply that you have any financial ability of any kind.

Really? So why would someone request a payoff balance? For informational purposes only??