Mensan

So by that same line of reasoning, if I don't own guns, is it OK to pass a law that makes owning them illegal?

There is a solution that is better than what they are doing right now. In Iraq, a country with whom we are at war, we have different views about the individual freedoms of the residents. In MY country, this shit doesn't happen. We are too educated, and too civilized to need this shit. Do we need to step up patrols in this area? Do the citizens need to be armed better or work together as a community? There is a solution that does not violate our protection provided by our constitution.

WTF is happening, Rick and I are in constant agreement lately...

I would wait until I had more money. If I were serious, that is. If you truly care about the sound quality of your home theater, you will wait and spend more or find a hell of a deal.

Well said. Not to mention the government programs allow lazy people to take advantage of them.

The ace of spades! The ace of spades!

Jesus Christ

I have an 18x12x3 core. Let me know if you would like it. $100

Some people use a brick or a gallon jug of water in the tank to offset the water as well.

Not with my parts; they are GONE.

Small claims. From what I understand, you may claim statutory damages there.

Rick, we never went to court. The defense attorney's job was to prevent that from happening. Paul, it really wasn't that much work. Also, for me it was the principal. In addition to the money they paid to me, they also had several thousand dollars in legal fees. That is a plus for me, cause fuck them.

Babies.

My advice for anyone in this thread who has problems to document everything, and also buy a phone recorder. Mine was $75, but Portfolio Recovery Associates just paid me back for it. Study the FDCPA, and do everything you need to to ensure the opposing party is the only one breaking the law. One thing that works well is to use your ability to sue as leverage to settle for a lower amount.

Evan is correct; the majority of violations were after the cease and desist. Since this is fraudulent debt, I also consider the amount of debt to be incorrect, which is also a violation. They failed to validate after a letter I sent demanded validation. They continued to attempt collection after failure to validate. I have a recording of one of their collection agents telling me that the original creditor on every document they sent me was incorrect. With that recording, it added an easily documented 6 violations to the number I already had. I also had a recording of a lady saying (as she was reading her notes) "The reason we are calling you is...because you said you wanted no more calls...Can you hang on a second?"

I didn't have any outstanding debt from 2000. It was fraudulent.

Actually, yes. I let them break the law and recorded every time they did it; either by copying every document sent between us, or recording every phone conversation that we had. Once they had racked up several violations, I filed a complaint with the Attorney General of Ohio. My complaint demanded that the debt be wiped out (in writing) and confirmation that the debt not be sold or given to any other debt collection agency for collection. I also demanded statutory damages for violation of FDCPA. They gave me everything but the money, and stated in their letter that they denied any allegations of illegal tactics. I filed my lawsuit the same day I received that letter, seeking statutory damages under FDCPA. Once I had filed my lawsuit I negotiated with their lawyer (If you file a suit in small claims court, a corporation MUST hire counsel; they are not allowed to represent themselves) for settlement. They attempted to settle for half of what my judgment would have been, but I negotiated 80%. They hired their counsel the day before our trial. Had they not shown up I would have asked for a restraining order against the company (since they attempted to collect after cease and desist, and also after their letter stating they would not attempt to collect), and I also would have sued the company that issues their bond allowing them to be licensed to collect. I would also enforce my judgment with a garnishment of their wages. I did not hire an attorney. I handled this entire case Pro Se.

Last September I received a call from a debt collector demanding payment in full for a $1033 debt from 2000. After the call they sent the following letter (click for big): http://www.perryjoshua.com/Exchange/CAsm.jpg Today I received a check from them for $871. Let me know if you would like to know more.

If you both feel that way, then there is no reason not to sign one.

This thread is wonderful. A Pre-nup is not a bad thing.

LOL

Between DJ, Hefty Jesus, and myself, we have had sex with 60% of your mothers. EDIT: YOU LOSE

"Please don't bring drinks into my car. I don't like it." [/thread]

ITT=In This Thread OP=Original Poster

The smaller the airport, the more expensive it is to fly into. If there are limited flights with limited carriers, you will pay a premium. Your cheapest tickets will always be the most traveled routes, i.e., Chicago to L.A. My ticket was last minute to Casper, WY. It was also a refundable ticket since my return date was unknown at the time and guaranteed to change.