Things to Consider BEFORE You file a Courtesy Notice

Hi ALL

So last week I mentioned that I was going to send out Courtesy Notices to 3 credit card companies using Kaiulapele's as a template.

After doing some more research on this I have decided NOT to do this. Here is why:

Background...
Some of you may remember that in January 2010 I lost 1 of my 2 full time jobs. At that time I stopped paying my mortgage with Bank of America, which has recently been resolved with a modification that is affordable to me. For 2 years I continued to pay my credit card debt that I had to accumulate in order to be able to by that house in 2007. I paid off 3 cards and closed them and considerably paid down the others by half of what was owed. Then last year I said to heck with it... and stopped paying on those cards.
I got a lot of real good advise on how to handle this. I have followed that advise and so far I only receive the occasional call that I do NOT answer and never have and I have never returned any of the correspondence from the companies or the collection agencies now involved. Besides the initial conversation telling them that when the Prosperity Program Funds or RV funds reach my account I would them pay in full.

Now... I researched how sending a Courtesy Notice would impact my particular case and I realized that when I made a decision to not correspond with said companies I took the power away from them by admitting I owed them any monies. They can not even take me to court because they can not connect with me. If I send a C.N I would then be admitting that I owed the debt and then be open to prosecution in court.

So... though the C.N. sounds good in theory... until we see real change in all areas of debt removal and government reform... be real careful on how you proceed with the OPPT. There are an awful lot of folks that I am hearing from that do not see this as a viable way to go. At least for now.

Just wanted to make sure others proceed with total caution on this OPPT info. Filing a law suit is way different to having that suit be applicable to ones particular needs.

Sounds like Uv made good choices 4 Ur situation :athuup:

Me, having been recently arrested & incarcerated based on false charge absent necessary supporting evidence directly opposing my verified certified evidence, while served with an inappropriate TRO also based on false charges, have found them a most appropriate tool for "judge", "clerk" & "lender" CFO, along with my timely specific rebuttals to the charges. I see them as an amazing tool to assist in awakening & enlightening these agents to a new paradigm reality where personal liability will be the law when one harms another or takes their property/substance of labor.

Exactly 7FM!!!

I hope those docs help you to right the wrongs that you have had to endure. I really do!!! Makes my blood boil when I hear what is happening all around us.

Now... the moment I receive a court summons... I will reconsider my decision.

I wish you ALL of the LUCK that there is in resolving your issues. My heart totally goes out to you. And if there is ever anything that I can do to help you... please know that I would in a heart beat!!! Thanks so much for sharing your info.

Exactly Purple, Caution is indeed a wise thing. However I do not completely agree with your perception that if you respond Now to any of the Card collection folks, that you would be validating their claim against you. Especially if your response is to Dispute and settle the matter. Did you see the other post from AK, regarding a Skype with Heather about 'Debt' as opposed to an actual loan, or 'Statements' as opposed to Legal Invoices...
I'm not saying that what you are doing is wrong, you just needed more info and a better plan before you go further. Thankfully, here is one great place to gather the info and get answers we need to help us take appropriate steps.
Thanks for helping provide that. :heartsofluv:

Oh it is my pleasure Marty. I love to do this work here and on the other sites I am working on. Super fun!!!
And YES... I need to get more info before I rock my boat.
I am so glad that 7fm can use this and look forward to hearing everyone else's results. I do have faith in this as it seems to have some pretty sharp teeth as far as a movement goes. I do plan to use this or any other tool to my advantage as soon as I have to. I also am planning on using this against BofA as soon as I see some results. Guess I was born in Missouri in a past life. LOL