Hello, I am living in California. I have recently been sued for a credit card debt. Thus, I have filed an answer to the court and request a debt validation from the debt collector and asked them to response me within 30 days. I have used the certified mail to mail the letter, so that I have the return receipt.
My question is can I file an motion/request to dismiss the case if they, debt collector, fail to response me within 30 days?
Following are the details of the DV
This letter is being sent to you in response to the complain sent to me on April 11, 2010. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
This is NOT a request for “verification†or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following:
What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account
Show me that you are licensed to collect in my state
Provide me with your license numbers and Registered Agent
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:
Violation of the Fair Credit Reporting Act
Violation of the Fair Debt Collection Practices Act
Defamation of Character
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
Any help/comment are appreciate.
Thanks
debt validation
Hi Sky,
First of all I should say that Fair Debt Collections Practices Act (FDCPA) does not mention that the debt collectors will have to answer to your validation request within 30 days. It rather mentions that the debtor is required to send the debt validation letter within 30 days from the first collection attempt. Thus, you can't file a motion to dismiss this lawsuit after the 30 days.
Moreover, to know whether or not this debt is at all valid, you yourself can go to the court, and check t out there from the paperworks. The court will have all the details of this debt. Request the court clerk to help you in this.
As for the validation letter it is well written. However, if you want you can also check out the sample validation letter available with this forum.
Thanks,
Aaron
thanks
What does happen if a debt collector does not validate? The only recourse you have is to dispute the debt with the agencies..is this correct? If you ask for validation and can show you asked when you go to court does this help you in anyway. sometimes this gets confusing because of the many different responses. This would be a great time to clarify this subject.
if the CA does not validate, they can't publish the tradeline. However, if you don't send the DV within 30 days of contact, then the CA is allowed to assume the debt is valid. This gets sticky when people don't get the original dunning letter.
So if you send a timely DV and the tradeline is on your report then send a MOV letter
debt validation
can a case be dismissed if the CA did not respond at all to a DV request that I sent out with in 30 days?
it depends on the laws of your state. the 30 days do not matter, but the lawsuit can be dismissed if the CA has not replied to the DV. it is illegal under fed law to pursue any collection activity without responding to the DV
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Nothing could be further from today's constant stream of downer news and dull international dating than big 19th century Russian love which is where the new Belfry Theatre play Onegin aims to take its audience.
"at this point, because of the way the world is, We took it into a place that was a reminder of love. of, It's corny, But you should be unabashedly romantic sometimes, Said director and co creator Amiel Gladstone, 45. "When on earth outside feels so crazy, Being together feels like the best thing,
Gladstone penned the musical with indie rocker Veda Hille and it debuted to rave reviews in calgary last year. The Georgia proper wrote: "You're lucky to be alive right now if you get to see Onegin,
The Vancouver based duo had previous success working together on the musical do you enjoy What I Have Got? A cl Cantata, Which Gladstone described as being "About being disconnected and alone,
The two wanted to tackle something about people woman in spanish coming together and were inspired by the 2012 film Anna Karenina with Keira Knightly, he was quoted saying.
"It had this beautiful direction and take on the story. So we told: 'Are there other Russian stories along these lines?or,-- " Gladstone celebrity fad.
That brought it to the classic Russian tale of Onegin, A verse novel by Alexander Pushkin that was later the topic of the Tchaikovsky opera Eugene Onegin. The story follows the wealthy and aloof Evgeni Onegin to the countryside, Where he befriends a poet named Vladimir Lensky and stirs the interests of the young Tatyana. however when Onegin hits on her older sister, Olga, Things start to fall apart.
It's a story of big love signals that draw you in, Gladstone mentioned. "previously you step into the theatre, You can feel it's an amazing atmosphere to be a part of. We take you from the day to day and into a different world, he said.
The play features true to life couple and original cast members Meg Roe and Alessandro Juliani as Tatyana and Onegin. the story plot is sung through with a three piece band on stage. This synthesis marks the first time the musical is being fully staged in Victoria.
Both Gladstone and Hille have associates here: Hille plays Victoria typical basis, While Gladstone is a graduate of the Phoenix Theatre program at the institution of Victoria and is a co founder of Theatre SKAM.
"I was a student in acting until about fourth year. by SKAM, We were writing our own stuff and making up shows, So it became an easy move to direct, told me Gladstone, Also a legendary playwright. "I didn't feel a strong call to accomplish,
Gladstone said Victoria feels like a retirement home to him and he plans on staying for a while this round. After Onegin systems, He is set in November to direct Pacific Opera Victoria's Rattenbury an opera good city's premire architect and written by local composer Tobin Stokes.
Hille has been a familiar face in Victoria the long time, On the stages of music venues by way of example Logan's Pub and the now defunct Vertigo at UVic. "I've had years of good gigs in Victoria and extremely fond memories, described Hille, 49. She's been writing music for theatre for about 15 years and said it's been a chance to learn writing for voices other than her own. "It's interesting also to have to serve the story and have the songs connect, wanted to say Hille. "It's like the distinction between writing poems and a novel,
She said the music in Onegin has many of sun and rain in her repertoire, such as the influence of art rock and folk music. "I like voices who are not too polished, So people sound like their selves, She claimed.
As for managing Pushkin's classic text, "A good story will always pull people in and we're handling one of the greats,
Onegin at the Belfry Theatre includes performances that are accessible to people with seeing and hearing difficulties as well as ones offering childcare for parents of small kids.
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Summer Story contest, sweepstakes 2011
A breakup had recently razed my world and i, "that's it, I inside, And vowed to abstain from pleasures of the flesh until I beautiful latin girls was no longer reminded of the greatest love of Alicia Keys, Of John fable, Of Michael Bolton covering Laura Branigan levels. across 100 entries came in this year, Each at 600 written text or less, Each more creative and earnest than another, And each centered on the most basic yet most complex of subjects: sexual intimacies. This year's members proved themselves a satirical bunch; One cautionary tale teaches us that a one night stand with a librarian may well not live up to our fantasies. Another lesson perfected: Sometimes the ultimate way to mourn the loss of a pet is to just jump headlong into an orgy, Naked corpse in a very corner be damned. An essay studying the pliant definition of the word "intercourse" And a comparison of ass sniffing canines to international dating give us pause to think, likely. Mostly missing throughout the contest was, very, Erotica. Maybe we've been exposed to so much gratuitous sexual imagery by now that describing erect nipples and blushed labia has become the literary equivalent of hauling out the vacation slide show. "can occur, it's hard to miss all these before.
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Guys I'm so tired. And bored because I can't sleep without paying out a lung. I always hear the craziest online dating service stories from my single friends who are out there living their best lives. Like the guy they really thought was a winner through text changing into the complete opposite from who he said. as a result, I wanna know your crazy online dating service stories. Bad weeks, Being cat caught, whatever you got! I've never been on a dating site colombia girls but someone did steal my pictures to use on their profile. Worst part was these people were totally horrible and had on their profile "If you're not white, Don't ad me, So not only was I being used for catfishing but I was utilized for catfishing white supremacists in my home city too. horrid.
I been trying to online date but I can even get until I want to meet someone. I happy being single so it not just a priority for me. I have caught a few guys hoping cat fish. that doctor needs to have just googled "high guy" And selected the pics that came up. specialty (cynical) Thing is when they say they can post a profile pic for their job. Lots of doms exploring subs in my area too. I miss the end game except for of course the ones you see on Dr Phil where they swindle money of the person. But or maybe?
Severalyears ago this moment, I went on a date with a really nice sounding guy. We met up for beer resulting in twenty minutes into the date he starts telling me about his son. I knew he had a toddler the idea was on his profile, stay away from surprises. Then he pulls up a picture of his kid, Who I instantly recognized, Because I was neighbors with the kid's mom. ends up I was on a date with my friend's ex. Whoops. I told him about the text immediately and that it wasn't going to work out, mainly awkward. They'd had a pretty volatile end to their relationship and had a contentious co parenting relationship and I just wasn't looking at being involved in that. He proceeded to email me weekly about how we were meant to be for the next weeks. I never replied and ultimately blocked him. chilling.
I had actually stopped using dating site after that but never deactivated my account. mainly my account was active, I still got emails when particular person messaged me, Which I usually read and laughed at because people on dating sites can be really skeevy and gross. Eventually if, I got a great one that just warmed my heart, So I logged back in and sent a reply to the guy, who may be now my DH. All worth it ultimately I guess.
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Why midlife Mainers are searching on line for romance
just, middle-agers head for their computers. throughout the Portland, The numbers are greater. It also is easy to look for a same sex partner.
Although it once was a little bit scandalous to admit to dating online, It now is more common to know someone respectable who met their mate that way, regardless age.
Another 2013 study found that over a third of all people who married between 2005 and 2012 met their spouse online, On either a dating site or a social media site such as facebook or myspace. That study also found that marriages that start with an online meeting are often happier and last longer than those that begin with a social introduction, A workplace meeting or other face to face encounter.
The big query
"How else everything that ever meet anyone, Dirk Faegre called.
Faegre, 71 and divorced, Has lived in the tiny Hancock County village of Gouldsboro for decades. Their initial one on one "Tea information" Lasted four hours and confirmed the opportunity of a meaningful relationship.
"We started seeing various other every weekend after that, Garber says.
Garber and Faegre had dated online for years, off and on, Before finding each other.
"it used to be kind of embarrassing to say you met someone online, Garber discussed. "But now it's so prevalent. in addition, unquestionably, How else would we ever have met,Val Scott's beloved longtime partner died in 2012 after a struggle with advanced ovarian cancer.
"acquired a long, Slow later, And I was essentially alone the past 18 months of it, Scott cited. "But she moldavian girls told me she'd gain and haunt me if I stayed alone, And I always knew I was better along with, In a spouse, Than i'm alone,
Mount Desert Island is another small pool especially for women looking to meet other women so Scott went online about nine months later, "When I was ready to talk to people who weren't my family or my good friends,
She decided how far she was willing to visit meet interesting women, Initially picture a 50 mile radius from MDI. afterwards, Because she travels daily on business, She expanded that distance noticeably.
After broadening her geographic search and having several casual dates with females who still remain her friends, She met daphne Cline, 56, Of Brunswick and knew she didn't will want to look any further.
"I had a lot of insecurity about what individuals would think, She suggested. "I would have felt the same way if I was looking for a man. It was just the concept of going public,
Scott and Cline connected in late 2013 and were married about two years later legally, with Maine's 2012 same sex marriage referendum this past September, Surrounded by loving your buddies.
Getting it all the way through clear communication
peter Lindquist, 59, And danny Ruef Lindquist, 53, Met 14 years ago in what was then the brave new world of online dating service. Both were divorced right at that moment and living in Portland. They marital in 2003 and now live in Camden.
"A lot of men misrepresented themselves in terms of who they were and what they wanted, She documented. Others made it clear they were keen on a sexual encounter than in meeting someone for the kind of serious, Long term marriage she wanted.
for part, She rumoured, There was just not much guidance exchanged before two people agreed to meet.
"It was primarily like a blind date every time, Lindquist supposed. "But Sarah required a lot of emails and message before we ever went out on a date. I had to show myself in words, And it became an hunt for our common interests and ideas,
planned, Open talking remains a central theme in their relationship, a fundamental tool for keeping their marriage on track.
"We both genuinely wish to get it right this time, Ruef Lindquist claims.
they enjoy telling friends they met online.
"people are still hesitant about trying online dating, Lindquist claimed. "But if you do it right honestly, Openly and with a small courage you can meet someone really special.
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Miramax escapes English dub of 'Life Is Beautiful'
los angeles (msnbc) In spanish dating sites its earliest Italian, "Life Is pleasant" Earned a record $57 million in the us and three Academy Awards, Yet only 13 percent of the united states beautiful girl in spanish movie going public saw it. the reason why? Subtitles.
So Miramax Films is releasing a version of the film dubbed in English a move that may open the doors for other global films. The studio gave Manhattanites a sneak peek at a chain link showing on Tuesday, Before the film's release in New York and seminole florida on Friday.
the movie, documented, Directed by and glaring Roberto Benigni, Is about an Italian man who tries to shield his son from the horrors of the Holocaust by pretending life in a attentiveness camp is a game.
CNN's movie analyst, Martin Grove, Says Miramax may have started a trend among movie shops eager to cash in on the American audience. "these do like them (Subtitled movies and games) Are such a small percentage of the audience that you can't make a lot of money from that, he admits that. "But dubbed in everyday terms, The movie will have like any other movie,
within the 1950s and '60s, named films, enjoy the "Godzilla" collection of, Were common in the nation. however dubbing fell out of fashion, the marketplace for international films declined.
Miramax's Dennis Rice doesn't see why they are unable to make a comeback. "In almost every other country in the world, Dubbed movies are enjoyed by people in their own individual language, he says.
Some movie purists say many films suffer when dubbed.
collectively fan of subtitles noted, "A person's voice is slowly removed (By dubbing extra than it). purpose, Their character is changed,
To avoid this difficulty, Benigni cast as a famous actor to dub his character in the film.
Reaching a wider audience is definitely a priority for him. After winning the cheapest Actor Oscar, The always exuberant filmmaker said: "we should instead mix culture. It's like having sex.
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How to Achieve an affordable Goals
Curated By Aurelia Williams 1 little
If you've always wondered how to achieve your personal goals in life, But you feel overwhelmed about knowing how to start, Know specific: Reaching goals in life may be possible if you have a plan. an effective way to develop and succeed in your personal goals is to engage a life coach. A life coach can assist with goal setting tips. Your coach can keep you on track by breaking each goal down to the nitty gritty and by enforcing burden. meanwhile, In order to achieve your existing goals:
Want it in a position to reach personal goals in life, you've got to first really and truly, Have a desire to attain it. Without the there is very little incentive to achieve your special goals. Personal life goals have to be something you want before you can set out to realize them.
Name it Writing down your goals in as specific a manner as possible is significant, the fact that, if you could name it, it is possible to it. Goal setting just cannot occur without actually writing down goals to attain in a very specific manner. Want to lose excess weight is not a specific goal. stated, Want to lose 50 pounds is very specific and it makes it much simpler to follow the next step.
Identify the steps when you have a, Named and specific, Personal goal set your next step is to identify the steps toward achieving your special goals. Reaching goals in life requires taking very specific steps a day toward your stated goal. after, This must be distinctive. Will eat good food is not hot ukrainian women specific enough. slightly, State precisely what and how much you will eat each day. State whatever and how much you will exercise each day. List in writing each step you have to take, In very certain terms.
Commit to it in order to get goals, Even ones that you set down, you really a commitment to it. When you write your goals down in non colored documents, since steps you plan to take to reach them, You increase your chance for success. Make it legal contract to yourself by dating it and signing it. When you sign off on the steps you commit to take to reach your goals know that you are insanely putting a promise to yourself to do what is on the contract.
Visualize success there are numerous scientific studies out there that prove that simply visualizing doing something right can increase your skill level. this is correct for sports, And any skill you trying to develop. like a, If you visualize yourself following the ukraine dating site steps in your plan to achieve your very own goals, You be more likely to achieve success. Make daily visual images of success a habit.
Review regularly Periodically assess how well you're progressing and review whether your steps are accurate and realistic measures to take to reach your goals. If you need to change your contract, That is perfectly normal and acceptable. Just write the contract again and sign it again when you make options. unfortunately, Don let yourself off the hook by making your goals and plans too easy. Set your goals high enough so you happen to be challenged. in fact, Your goal should be set high enough that if you realize an 80 percent rate of success, you can look at this achieved.
Be accountable find someone to whom you can be accountable and share the contract with them. capable to pay a life coach, Or you can ask a trusted friend to aid you. You must find someone who is willing to call you out if you making excuses. Life coaching is a very good to get help with achieving life goals if you don know anyone to help you properly.
Think you could much in 20 minutes? Schedule a free 20 minute coaching consultation with certified Personal Life Coach Aurelia Williams and start forming your master plan today!
Last 5 Articles Added By Aurelia WilliamsHow to Effectively Manage Your Time While working from home August 16th, 2011Tips on How to get over Self Doubt July 17th, 2011Step Outside Of Your rut: here are How June 14th, 2011Ways in order to manage Aggressive Teens February 1st, 2011How to get on with Lying Teenagers January 30th, 2011.
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