Debtconsolidationcare: Internet's first get-out-of-debt community
473,117 members

Internet's first get-out-of-debt community 508,939 members


Debt Consolidation Forums Collection agencies and creditors

Mapother & Mapother?





Sub: Mapother & Mapother?
Thu, 11/06/2009 21:52

I received a dunning letter in the mail about a week ago from Mapother & Mapother P.S.C. in KY.

I've checked my credit report and this firm hasn't hit my credit report, but Brachfeld & Assoc. did. Are they connected?

I'm assuming a debt validation letter needs to be sent, but I've never sent one before. Any info on getting one together would be helpful.

Statute of limitations in my state is five years and the account they're trying to collect on was last paid on in June/July, 2006.

My husband is unemployed currently and is our only source of income. We have no assets that they could get -- only one car, which is under a loan payment for another year and a half, and our house, which has a loan payment for another 25 years.

Basically, I'm lost and need guidance. Thank you!



Top menu: 
Debt Collectors
Article Rating: 
Chrys Henderson
Chrys Henderson

Posts: 2555
Credits: 17373.2 Send message to Chrys Henderson

Sub: #1 The only way you found out? Did you even know about this judgmenThu, 06/11/2009 - 21:52



The only way you found out? Did you even know about this judgment? If not, file a motion with the courts to have it vacated due to improper service (call your local county civil court and ask them to 1)find out which county the case was held in and 2) how to file that Motion.

FRAUD: RECOGNIZE IT. REPORT IT. STOP IT.
Rip-off companies - FTC.
Phone harassment by Debt Collectors - FCC.
Banking issues, like ACH problems - OCC.


Unregistered

Sub: #2 Mapother&MapotherTue, 06/09/2009 - 11:04



I had trouble from them one time and the only way I found out was that they got a judgement and wiped out my husbands and mine joint bank acct.


Chrys Henderson
Chrys Henderson

Posts: 2555
Credits: 17373.2 Send message to Chrys Henderson

Sub: #3 Then you should be ok. The courts are not going to force a paymeMon, 06/08/2009 - 04:22



Then you should be ok. The courts are not going to force a payment plan that you cannot afford. Just be careful not to accept any deal that you don't think you can afford.

And it would be impossible to ascertain whether they have all their documents for Discovery or not. But it often happens that they do not, which is part of the psychological reason that they are so aggressive - people become intimidated and end up paying on a debt even when the alleged creditor doesn't have any viable evidence. The squeaky wheel gets the oil and all that....

FRAUD: RECOGNIZE IT. REPORT IT. STOP IT.
Rip-off companies - FTC.
Phone harassment by Debt Collectors - FCC.
Banking issues, like ACH problems - OCC.


Unregistered

Sub: #4 Thank you for the links! I appreciate it. So, basically, I justSat, 06/06/2009 - 09:57



Thank you for the links! I appreciate it.
So, basically, I just get the letter out and send it out with return receipt requested?
How likely is it that the law firm will have the "proof" that they own this debt now?
We can't afford a lawsuit right now, let alone a judgement or wage garnishment. We're barely making bills on my husband's unemployment pay.


Chrys Henderson
Chrys Henderson

Posts: 2555
Credits: 17373.2 Send message to Chrys Henderson

Sub: #5 Same Debt Validation letter template. Bracfeld, a collection Fri, 06/05/2009 - 22:24



Same Debt Validation letter template.

Bracfeld, a collection agency, is probably hiring Mapother, a law firm, to do the deed. Send the DV letter to both.

Document everything.

Bracfeld is a bad agency according to Bud Hibbs:
"http://www.budhibbs.c om/collectorpages/meri dian.htm"

(You have to delete the space I had to add to get around the stupid censorship software).

FRAUD: RECOGNIZE IT. REPORT IT. STOP IT.
Rip-off companies - FTC.
Phone harassment by Debt Collectors - FCC.
Banking issues, like ACH problems - OCC.


Add new comment

Full HTML

  • Web page addresses and e-mail addresses turn into links automatically.

Filtered HTML

  • Web page addresses and e-mail addresses turn into links automatically.
  • Allowed HTML tags: <a> <em> <strong> <cite> <blockquote> <code> <ul> <ol> <li> <dl> <dt> <dd><img>
  • Lines and paragraphs break automatically.

Plain text

  • No HTML tags allowed.
  • Web page addresses and e-mail addresses turn into links automatically.
  • Lines and paragraphs break automatically.
CAPTCHA
This question (Case Insensitive) is for testing whether you are a human visitor and to prevent automated spam submissions.
Image CAPTCHA
Enter the characters shown in the image.
Share post


DEBTCC "Share and Win iPad" Contest

Follow and like DEBTCC



& "Get Social" for your Chance to Win iPad!!

WIN A FREE iPad

Get Social for your Chance to Win iPad

Page loaded in 0.842 seconds.