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Just recieved a letter from Fredrick J. Hanna & Associates. I finally got through to lvnv collections and was told they'd send me a letter saying debt was settled. Should I be excited? I don't know if I can trust them since I've had so much trouble with them in the past. I did settle the debt in July but never recieved the letter as promised. They've passed me around to about 4 collectors since then.
No time to be Excited. . .
Should I be excited?
I think not. Why would you have to request a letter.
It should be automatically sent, if they were indeed
honest. It appears that they cannot be trusted as
you say. They should have sent said letter 8 - 9
months ago (in July 2006).
Although you may have settled and think that this is
"the end of the matter." I am hearing that the JDBs
will pass around the "remaining" balance to other
JDBs for collections.
i.e. Say you settled a $500 debt for $300. The CA
will pass around the remaining $200 for further
collections. Don't know if it is legal or not! But,
right now, they are enjoying it!!!
i just got my first letter from Fredrick J. Hanna & Associates, and they are so unprofessional. I tried to explain to them my situation. Told that that I wanted to settle at 50%, they told me that they would only accept 80% and that is it. I can't believe that they can only accept 80%, considering that when it was with bank of america, they would accept 70%. I just got off with another Attorney's office and they had no problem accepting 50%. Do you have any suggestions in dealing with Fredrick J. Hanna & Associates, and getting them to accept a lesser amount then just 80%.
How old is the debt? Is it past sol/ Usually they will except alot less then. good luck.
Hi Wads,
There is no specific way that you can make them agree to a 50%. Mail to "jason@debtconsolidationcare.com". He can help you out.
it is charged off...
Wads
charged off accounts can be handled as well. Did you get in touch with Jason? He can help you out.
Even if it is charged off it may still be in stsatute. You need to either tell us what state your in or type in Statutes of limitations in your search engine. That should take you to a site that will tell you for sure. Most debts are charged off at 30 dsys, 60 days, and so forth. So definately check on the SOL. You may even post a question here on this forum and someone will help you.
I read on this post that junk debt collectors can still collect they remaining amount after settlement. If that is true it is absurd. Shouldn't the collector who accepted the settlement agree to "shred" the debt after that. This could cause a never ending nightmare.
i did get in touch with jason, cause it is now handled by attorney office they don't handle those types of accounts. i am in idaho...
Hi Wads,
Being a little steadfast might help. Tell them firmly that you have no choice but to settle for 50% because that is all you can afford.
Tell them if they can not accept 50% then you no longer want to be contacted becasue there is absolutely no way you can afford anymore and at this point anymore contact would not be useful. SOL in Idaho is 4 years. Hope this helps.
I like the way you answered fireyone. :)
Hi Wads,
ANy update from your side would be welcome.
Fred J hannahs office will not leave me alone they keep threatening to take my house, and go after my husband. They can't do either of those things he is no where on the documentsRight?
Hi guest
Can you tell me which documents are you talking about. Under the Fair Debt Collection Act, Fredrick J. Hanna & Associates cannot take your house. Moreover as the debt is in your name, your husband could no way be held responsible for that.
They will normally come up with a descent payment plan that you can afford with a reasonable break in the total. Usually industry standard is between 70-80%, I have never had any of mine settle for any less and I have been through it with four different companies, two of which were handled by attornies office.
I wish you luck, hope it works out for you better than it did for me.
Yes, I think goodnatured is correct. You can settle for a payment plan that suits you, to pay back your debts.
Freddy & the Boys
Hey all... didn't do my research, and signed a consent form in 2006 From Fred onan old debt. Now I just got a notice that they have filed a garnishment. I live in GA. I looked, and it appears that I need to file an "answer" and the document that was sent mentions a "traverse." What are the differences, and what are my options?
thanks!
I have no clue what "traverse" is, What ever it is I would make sure that I filed an answer on it so they don't win by default.
Hang out, somebody will be a long to answer your post more thoroughly.
To traverse means to move forward (loved english) In the english language so I am thinking it means to move forward on the debt. Gn is correct be sure to answer that summons,which I believe has a 20 day time limit,or they will win by default.
STOLEN MONEY
FREDERICK J HANNA AND ASSOCIATES HAVE BEEN TAKING MONEY OUT OF MY ACCOUNT AND I DID NOT TELL THEM THAT THEY COULD TAKE OUT THE AMOUNT THAT THEY ARE TAKING. THESE PEOPLE ARE LIERS AND THIEVS. CAN ANYBODY HELP ME WITH THIS. WHAT CAN I DO TO STOP THEM FROM DRAFTING MY ACCOUNT AND CAUSING MY ACCOUNT TO BE OVERDRAFTED
If I were you I would close the account and then open another one some where else. Make sure that your bank is aware of why you are closing the account, if you don't a closed account can actually have activity for thirty days afterwards. So, a close account can be active behind the scenes for like 30 days.
This is true. I would fear that they would still try to take money after the account is closed. Isn't there a way to get the bank to keep them from taking any more m,oney? I would still move my money to another account but sometimes when you have so much time at a bank and payments coming directly out for car ins. and such it can be a pain.
fred hannah and sol
i have recieved a letter from them, it is my understanding that the sol in idaho where i am is 4 years. when i called the orig. creditor chase they would not give me any info except that it was charged off as a bad debt in feb, and any other info i could get from hannah. when i asked hannah about obtaing more info about the account they said all the info they had was what they sent me which was a generic cover letter with my name, acct. number, and balance. i cant even remember when i last made a payment on the alleged acct. so when does the sol time start and how do i find that info?
The SOL begins as soon as you miss a payment. You should go to www.annualcreditreport.com and pull a free copy of your credit report. It will list this debt and also tell you when the last mised payment was. Look it up and stop back and let us know so that we may help you better.
Hi guest
If it is a credit card debt, then the Statute of Limitation will be 4 years, since credit card falls under open ended accounts. The SOL will start from the date of your first missed payment as Fireyone said. Now since the debt has already been charged off, and has been sold off to the collection agency, the listing cannot be removed from your credit report before the expiry of the seven year time period. To find out the name of the collection agency to whom the debt has been sold by the original creditor, you can pull out a credit report from each of the bureaus.
I think that you should pull out your credit report and send a debt validation letter to the collection agency Frederick J Hanna, if its name is listed in your report against the debt. Charge off listing does not necessarily mean that you are no longer liable for the debt. Even if the debt is charged off and the SOL in your state has not expired, the creditor or the collection agency can sue you to the court and bring judgment against you to recover the debt. So, you should try to pay back the debt by coming to a repayment agreement with the CA.
True but they are protected by the SOL and if it did go to court they would win as long as they were past the SOL.
What am i gonna do?!?!
i was in a abusive relationship with my childrens father well he wants me to get a car in my name...Now I knew it was not the thing to do but if i had of not of got it for him things would have blown into him endangering my life and putting my 3 kids through more hell than they were going through already so I do it..3 months later we break up & he has been serving time in prison for simple battery & cruelty to children.I was unable to make the payments & take care of 3 kids & pay bills-matter of fact I can barely make it.I turned the car in & it was auctioned off..Fredrick J. Hannah has recently sent me a letter & I now owe $8323 & now are wanting to resolve the matter--BUT IM FREAKING OUT I DONT KNOW WHAT IM GOING TO DO!!
Can you tell us your credit score? You should simply send Fredrick J. Hannah a debt validation letter by certified mail. If they validate your debt within 30 days, ask them for a repayment plan and also a discount on the outstanding debt amount. If you have a good credit score, you can take a debt consolidation loan to pay off the debt.
just starting
I am just beginning the dialoggue with Hannah and it is not pleasant by any means, they are threatening - they have never sent me a lteer just phone calls and I have tried not to answer the 800 numbers but believe me they work around it - I have been old my credit solutions to not speak with them but let them handle but the threats are so ugly I am thinking about getting a lawyer to deal with them but that is even more funds any suggestions.
Hi Thruston
You need not worry if Hannah is not listed in your credit report against any particular debt. If they only call you up, they must send a debt validation notice before they can make any further attempt to collect the debt. If they did not sent you such notice, they cannot even sue you to the court. Even if they sue you to the court to bring judgment against you, just ask for debt validation in the court itself. If they can validate the debt properly and proof that they have the right to collect the debt, then you need to pay it off, else the judgment will go in your favor.
This is an area that always makes me wonder about debt validation. Say you ask for debt validation and they do not supply it to you before the court date...can they present it at the time of the hearing and make the person liable for the debt? I was under the assumption they had 30 days and if they did not supply the debtor with proper proof the debtor could then present this fact in court and win against the debt collector.
do not EVER EVER trust bill collecters--ESPECIALLY FRED HANN
Bill Collectors are LITERALLY allowed to LIE TO YOU (under the Law)--they can DO OR SAY ANYTHING they want to say....
the only exclusion to this rule is
1-They cannot threaten your life
and
2-They cannot call you at work.
what you should ALWAYS DO---is have them PUT IN WRITING BEFOREHAND..what you need to pay to settle the debt.
DO NOT SEND THEM A SINGLE PENNY UNTIL YOU HAVE THIS IN YOUR HANDS!!!!
THE LETTER SHOULD SAY THE SETTLEMENT AMOUNT AND THEY will cease collections and they will REMOVE IT FROM YOUR CREDIT REPORT.
THEN, WHEN YOU SEND THEM A CHECK, WRITE ON THE BACK OF THE CHECK
BY CASHING THIS CHECK, ALL CLAIMS HAVE BEEN MET AND NO FURTHER COLLECTION WILL TAKE PLACE.
(or something to that effect).
then go to the Office Depot and buy a fireproof safe and keep a copy of those docuuments THE REST OF YOUR LIFE.
SO THOSE SCUM BAGS cannot ding your credit again.
By the way, DO NOT EVER deal with 3rd party collectors. By the time it's gone to 3rd party---it's too late.
ONLY DEAL WITH THE ORIGINAL CREDITOR!
FRED HANNAH DOES NOT EXIST--THERE IS NO FRED HANNAH!
GO LOOK UP THE STATE BAR IN GEORGIA.
GABAR(DOT)ORG
Do a member search. There is NO FRED HANNAH!!!
Bill Collectors are LITERALLY allowed to LIE TO YOU (under the Law)--they can DO OR SAY ANYTHING they want to say....
the only exclusion to this rule is
1-They cannot threaten your life
and
2-They cannot call you at work.
not my debt
My Aunt has a debt that she owed to Chase. Somehow Fredrick J Hannah got hold of it and has been harrassing us. My aunt had been paying until she was placed in a nursing home. Now she is a ward of the state and all of her income is being used to pay for her care. She has no money. What can we do?
Hi javagirl,
Your aunt is really going through a tough time. You can meet the creditors, on behalf of her, and explain the situation to them. You should also request them to lower the interest rates or extend the payment term. You must ask them if they have any hardship programs for this kind of situation.
When your aunt's health improves, she can think of selling off an asset, to pay down the debts. You can also take the help of a family member, who can provide your aunt with a loan. I would suggest, when your aunt is released from the nursing home, she can prepare a monthly budget. If she cuts down on her expenses, she will be able to save to pay off the debts.
My settlement
I just settle my debt for 38% with 6 months to payment plan. I choose to pay in a lump sum. The service was very professional. I calmly stated my issues and office to pay 35%. They countered with 50%. I made it very clear that I could only afford to pay 35%. They countered with 38%. I accepted with gladness.
FREDRICK J HANNA
I KNOW I OWE THE BALANCE OF 857.02 TO CAPITAL ONE. I RECIEVED A LETTER FROM FREDRICK J HANNA. WILL THEY ALLOW ME TO SET UP A PAYMENT PLAN? I CAN AFFORD TO PAY 80 A MONTH.
Angry
Last week I recieved a letter from Fredrick J. Hanna and Associates regarding a past due account with Bank of America. They offered me 80% settlement. I declined and said that it needs to be lower because I cannot pay. They put down that I was refusing to pay! I stated many times that I was not refusing to pay, just not accepting this offer. They are now demanding payment in full. They gave about 12 hours to come up with the money or they are going to send this account out to have a judgement placed on me. How do I find out my legal standing?
Process
They gave about 12 hours to come up with the money or they are going to send this account out to have a judgement placed on me. How do I find out my legal standing?
It's more involved. First, they have to validate. Then, you would deny or challenge, and request better validation. They, then, may send you a 'discovery' letter. Best to answer each and every question with a denial of some sort. Once that's done, then you can send them a "discovery" letter, requesting all of the information, documents, proofs, and witnesses they may have. Often, just intimating that you'll require a "live" witness at the court hearing is enough for them to become less interested.
If and when you should receive a summons, answer it, following the directions on the front page. Subsequently, there will be a court hearing date. Show up. At the hearing, make sure to address each and every assertion, and request verification of anything Hanna asserts. Most of the time, these people are counting on your intimidation and ignorance. Just a smidgeon of backbone goes a long way.
At first, the court experience may seem overwhelming, but it won't take long to realize these people put their pants on one leg at a time, and for the most part, are relying on smoke and mirrors.
Paying debt
If I have three credit cards that have been closed two are not really a large amount one around 2500. They all have been turned over to collection. The 2500 I have requested a Validation Letter. My question is should I go through the collection agency or the original creditor. Also, is it possible to settle and ask them to completely remove everything from my credit report. I was never late with these cards until my husband became unemployeed a year and a half ago.
paying debt
Hi,
You can contact he original creditors (OC) and inquire into this. Request them to pull back the account from the collection agency(CA). If the account has not been sold off, the OC will pull back the account. Then you can deal with the OC. However, if the account has been sold off, then the OC will not be able to pull back the account.
As fro the removal of negative listings on these accounts, you can request the creditors or collection agencies to agree to a "Pay for delete" (PFD) agreement. With a PFD all the negatives on the accounts will get removed. You will get a sample PFD letter with this community.
Thanks,
Aaron
what happens if Fredrick J. Hanna & Associates cant serv
what happens if Fredrick J. Hanna & Associates cant serve you. how do you avoid them? I have police knocking on my doors now. I fail to answer the door every time. I am fixing to leave the state. I cant pay $6,000 i only can pay $20 an month no job or income. uncle can send me bus ticket. no bank account no job nothing they can take. how do you avoid them they refuse any payment i send. i sent $200 and they sent it back. i just dont want to deal with them or court now. how do you avoid this and for how long can i avoid this? I am avoiding them at all cost i have other people go to and from the store for me.
reply
Hi fred,
Welcome to this community :)
Can you tell me why can't Fredrick J. Hanna & Associates serve you? If you want to pay them, then you will have to first send them a letter to agree to a repayment plan. You will have to provide them with your monthly income and expenditure. So, you first need to make a copy of that.
If you go away from here, the Statute of limitations won't expire. It tolls. That is whenever you come back, it will start ticking again.
Thanks,
Aaron
Garnishment
I received a summons from the plaintiff Frederick J. Hannah for Capital One. I wrote a letter, as requested, and asked if they would remove the late fees which added up to about half of what the balance shows. I have heard nothing back from them. The court date is June 30th, what do you suggest I do to protect myself from garnishment?
Fredrick J hannah
I just received a Civil Actions notice and summons from Capital One with a local phone number. I called the number and it's Fredrick J Hannah's office. I then called Capital One and they would only refer me back to Hannah. My original debt was approximately 1000 and now it's over 3000. If I couldn't pay the 1000 I certainly can't pay the 3000. How the heck do I handle this one??? I have income, but not enough. How do I respond to this summons? THANKS!!!
responding to a summons
Hi kaysmom,
How do I respond to this summons?
You can request the court clerk from where you had been served to help you in answering to the summons. If you can't pay the high balance, you can try to negotiate an out of court settlement with Fredrick J Hannah. However, remember to get the settlement agreement in writing.
Thanks,
Aaron
payments
always ask to speak with an account manager. collectors can be uneducated and once something is in legal standings, like a lawsuit filed with the court, you NEED to speak with an account manager who does NOT get paid by commission who has no gain on making you pay a large ammount, these people are more likely to work with you and are always nicer. educate yourself. SOL in GA is 6 years, that is from Charge Off date. Know that CHARGED OFF does not mean that it has gone away, it means the company has written it off as bad debt not that you dont owe it any more. knowledge knowledge knowledge. if you expect the people you speak with to know what they are talking about you sould know what they know and that way you protect yourself and dont sound like a dummy. if you move, always notify your creditors, file a forwarding ordder with the post office like you are required by law to do & like you agree to do when you finance the money/product. know that once you do not have the product or it breaks, that means nothing.. you agreed to finance an amount of money and it was paid to the company to pay off the PRODUCT you still owe the money. if you finance, know the risks and read the fine print. dont cast a stone when you were the one who is ignorant.
CHECKS AND BILL COLLECTORS
IF YOU WRITE ON THE CHECK THAT IT IS PAYMENT OR SETTLEMENT IN FULL THE FIRM EITHER WILL NOT CASH THE CHECK, MAIL IT BACK TO YOU OR SOMETHING TO THAT EFFECT. IF YOU WRITE ON THE CHECK THAT THE PAYMENT IS TO PAYOFF THE DEBT AND IT WAS NEVER AGREED TO DO SO, THE FIRM IS NOT OBLIGATED TO CASH IT NOR APPLY THAT TO YOUR ACCOUNT AS SETTLED OR PAID.
ALSO, THE FIRM IS NOT RESPONSIBLE FOR UPDATING YOUR CREDIT REPORT, THE CREDITOR IS THE ONE WHO IS REPONSIBLE FOR THAT - DO YOU SEE ON YOUR CREDIT REPORT THAT FRED HANNA OWNS THE DEBT? NO.. THEREFORE ANY CREDIT REPORTING MUST BE DONE BY THE OWNER OF THE DELINQUENT DEBT, WHICH IS THE PLAINTIFF.
IF YOU DONT KNOW WHAT OR WHO THE PLAINTIFF IS, USE THE INTERNET TO EDUCATE YOURSELF RATHER THAN GRIPE ABOUT HOW SOMEONE "ILLIGALLY" TOOK YOUR MONEY OR IS DEMANDING YOU PAY SOMETHING YOU OWE.
ALSO WHEN YOU AGREE TO FINANCE SOMETHING, YOU AGREE TO OVER THE LIMIT FEE'S LATE FEE'S AND INTEREST. THE FIRM NOR THE CLIENTS OF THE FIRM ARE DOING NOTHING WRONG, YOU ARE BY INTENTIONALLY NOT PAYING OR NOT FILING BANKRUPTCIES. DONT IGNORE YOUR DEBTS, CONTACT YOUR CREDITORS AND CONTACT AN ACCOUNT MANAGER AT THE FIRM IF YOUR DEBT ENDS UP WITH FRED HANNA'S OFFICE.
KNOWLEDGE IS POWER
Frederick Hanna & Associates settled cc debt 50%!!!
After persistently negotiating a settlement offer with Frederick Hanna & Associates, law firm representing Chase Bank, I finally received a reasonable 50% settlement offer in the mail. At first, they offered a 70%, which realistically would have only been 10% off of the orig credit line...so I ignored it. Instead, I mailed, via US Certified mail, my final offer of 50%. They are a valid law office and you probably won't see them on your credit report, because they are representing the creditor whom the payment will be made out to. In my case, it was still Chase Bank, USA, thankfully.
PS: All communication with this law firm by me was only in writing...avoids the "sense of urgency"... and certified mail proves my good faith effort in resolving the debt. I strongly suggest written agreements only.
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