I would like to know the answer too. Anyone here know what is the right answer. I'll do some research and get back to you if I bump into an good answer. You should email the people at Lending Tree as they probably could assist you..

Not BK, I mean filing suit..

I'm filing in that same exact court you filed in. But where did you go to get your petition? Law library? They don't give you a "pro se packet" like the fed court does...

Too many "Boy........is this yer debt? Well, then I'm closing the case" judges out there..

I need to file in a court where the judge is interested in upholding the laws, not whether or not the debt is mine, that's a separate issue...

The original debt was about $4,000.00. I got laid off, could only pay the necessities, so CC bills had to wait. I never recieved any collection letters from them. About a year and a half later, a big man in a cadillac showed up at my door at 6:00am on a Saturday with a summons. It surprised me that I never got anything between the last couple of credit card statements and then a summons..

The amount they had on the suit was well over $8,000.00 and that was before the attorney fees of $2,000.00. They said if I made a payment plan they would not execute the judgment. I made the first payment, and about a month later I got the executed judgement in the mail so they lied about being OK with payments..

I couldn't afford the payments that they wanted, and I was also gonna be sued by Discover, so I figured that BK was my only way out. That one $4,000.00 debt turned into almost $10,000.00 with 15% interest annually until paid so how would I ever even get that one paid off, not to mention the others..

So......I got an attorney, who filled out all of the petitions, and it should be over soon. I was really embarrassed to have to do it, but now I don't have to be scared that the "Big Cadillac Man" is going show up at my door with another summons. HA HA HA !!!!!!!!..

I felt cornered, too, when I filed in 94. I had Nordstrom call me at work and threaten to serve me unless I gave them 600 that day. Mailed it and after I dropped the envelope at the post office, I said, WAIT A MINUTE...F this...I had the potman fish it out and took that 600 to pay for an attorney. I had a bunch of people calling me and there was no way I could repay it. I was so far in debt and took a 1K per month paycut. I 22 yrs old and went from having grade A credit to $hit credit.

I can still buy a house, I can still pay cash, etc. Well, we did buy a house last year. In Oct I finally "grew a pair" and looked at my credit report. It was pretty bad from bk still and from divorce in 2000. Still working on the Lending Tree credit repair thing.

Still have 6 on EQ and 6 on TU to go. Once I get them whittled down, I will negotiate with CA's, etc. 2 of those 6 are collection accounts. The rest are going to be tough because they are tradelines. Have a tough time negotiating w cc companies..

Nikki..

Nikki, lemme help you out here, give ya a little encouragement:.

TU: started w/ 38 negs. 28 left..

EX: started w/ 37 negs. 30 left..

EQ: 39 negs..

Does that encourage you?.

BUT, my wife did have 9 negs on TU, but now there's only 1 neg left!..

Demoncastr LOL!!!!!.

"Boy........is this yer debt?.

Rflmao!!! Man this has me in tears!!! LOL!!!!..