Re: National Arbitration Forum

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On 8/22/06, Freaking wrote:
> Is this below posted by someone from the forum? Because it reads that way.
>
> Does anyone know once the arbitration is filed, am I still allowed to request
> the debt to be verified? I have been looking for a lawyer in NY who will take
> this on without it costing me a fortune - the collector in question is Wolpoff
> for MBNA (if legit) and they are known for bending the law - so if anyone
> knows one, can they post a referral please?
>
>
>> On 8/15/06, DebtorJoe wrote:
>>> The National Arb Forum decisions are binding -- they are authorized to
>>> handle debt cases in your original cardholder terms and conditions.
>>> Although the NAF is not a court, they can convert an arbitration award
>>> into a legal judgment and then pursue wage garnishments, etc. Definitely
>>> do not ignore the NAF -- I learned this the hard way.
>
I just read all the posts and wanted to respond since I just came from the
courthouse with a copy of my court file in hand. MBNA is just plain
unbelievable! Like the other post earlier, I had agreed to a payment plan with
MBNA for $175 a month. I paid it for over a year and bam! they wanted $1400 a
month - no compromise. Then NCO got ahold of it (another favorite that has also
had complaints brought against them under the FTC). I received a notice in Feb.
2006 that a judgment had been levied against me. The only notice I had ever
received was dated 10/05 stating that the NAF had awarded $20,572 in NCO's favor
(the original debt was $10,300). I had no idea that a judgment was going to be
filed 6 months down the road without any kind of service for me to go to court.
Of course, I'm trying to find an attorney that will even talk to me about it.
None of them seem to want to mess with it. I have no idea if I have any rights
whatsoever in this case. Since I never received any paperwork from NAF, it
doesn't seem right to me. Don't they have to send their paperwork certified mail
or something proving you received it? Oh and by the way, they did get into my
bank accounts and took every penny and then I had to pay $600 in bounced check
fees. They even drew out of my line of credit. I've been unemployed since 1/06
so needless to say, they got me when I could least afford it.
If anyone has information I could use, let me know. I'm not sure if I should try
to get an attorney to fight this or if it's futile.