http://www.zipdebt.com/blog/debt-settlement-letter-ruined Straight Talk by Charles Phelan on Debt Settlement & Other Debt Reduction Strategies Mon, 12 May 2008 12:28:28 +0000 http://wordpress.org/?v=2.5 http://www.zipdebt.com/blog/debt-settlement-letter-ruined#comment-15233 Charles Thu, 21 Feb 2008 19:54:28 +0000 http://www.zipdebt.com/blog/debt-settlement-letter-ruined#comment-15233 Debbie, I'm not an attorney, so I can't say for sure whether what you are suggesting would work or not. However, if the matter actually does go to court, then I would suggest demanding a copy of the tape recording that all creditors make of such conversations. There should be an archive of the conversation on a computer file someplace, and if you know the date and approximate time, as well as the name of the rep, then a good attorney should be able to get the bank to produce a recording of the conversation. Debbie, I’m not an attorney, so I can’t say for sure whether what
you are suggesting would work or not. However, if the matter actually
does go to court, then I would suggest demanding a copy of the tape
recording that all creditors make of such conversations. There should
be an archive of the conversation on a computer file someplace, and if
you know the date and approximate time, as well as the name of the rep,
then a good attorney should be able to get the bank to produce a
recording of the conversation.

]]> http://www.zipdebt.com/blog/debt-settlement-letter-ruined#comment-15232 Debbie Thu, 21 Feb 2008 17:41:53 +0000 http://www.zipdebt.com/blog/debt-settlement-letter-ruined#comment-15232 Back in 2006, I tried to do debt settlement with several of our charge cards. My husband had lost his job and had to take a new job makeing a lot less wages. I spoke with a rep in charge-off at Bank of America, after the Wachovia and BOA merger. The one rep said he would "help me" and he did the settlement on the BOA card. Now February of 2008 we find out that the Wachovia did not get settled. I got a letter stating the BOA Card was settled and a 1099C. When no letter came for the Wachovia card, i spent several paid vacation days off trying to contact this rep. His line was disconnected. The random reps that answer the phones refused to let me talk to the rep that did the settlement. They said that their notes show that the Wachovia card was not a settlement. I only have my word against his. I am ready to go to court. Without a letter of settlement i know i am on my own.. his word against mine. I will take a polygraph test. He told me the account was settled and i asked him several times if he was sure it was all taken care of. He said yes it was all settled. Do you think a polygraph test in court would convince the judge that this was dirty collection practices or at least he let it slip through the cracks!! Back in 2006, I tried to do debt settlement with several of our charge cards. My husband had lost his job and had to take a new job makeing a lot less wages. I spoke with a rep in charge-off at Bank of America, after the Wachovia and BOA merger. The one rep said he would “help me” and he did the settlement on the BOA card. Now February of 2008 we find out that the Wachovia did not get settled. I got a letter stating the BOA Card was settled and a 1099C. When no letter came for the Wachovia card, i spent several paid vacation days off trying to contact this rep. His line was disconnected. The random reps that answer the phones refused to let me talk to the rep that did the settlement. They said that their notes show that the Wachovia card was not a settlement. I only have my word against his. I am ready to go to court. Without a letter of settlement i know i am on my own.. his word against mine. I will take a polygraph test. He told me the account was settled and i asked him several times if he was sure it was all taken care of. He said yes it was all settled. Do you think a polygraph test in court would convince the judge that this was dirty collection practices or at least he let it slip through the cracks!!

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