Re: National Arbitration Forum

More | Report Post

I think you've got the wrong idea so far... check out this site.
http://www.creditboards.com/forums

Junk debt buyers are the worst of the worst. In all likelihood, negotiating
with them will cause you more trouble. Some people on this site should be
able to help you.

You may want to consult with a consumer protection attorney. You should be
able to find one at http://www.naca.net

On 1/27/08, Jom-Jon wrote:
> I will try to find the status on the deed and keep you posted once I find
> it. As far as negotiating w/ Mann Bracken what would be the best way.
> They stated that after the account has been w/ them for 30 days they will
> review for arbitration. It's almost 30 days... should I send an
> arbitration refusal letter? I do want to pay for the account, but not with
> the amount they're asking for. I know that my step-father's credit has
> been damaged, but at least it will look somewhat better if it's paid. Do
> you know anything about making lump sum payment? how much would they or
> should they lower the bill down? I apologize for taking your time....
> On 1/27/08, -- wrote:
>> On 1/27/08, Jom-Jon wrote:
>>
>> California allows a small exemption they refer to as a "grub stake" for
>> personal and real property. It is only $17,450. Your step-father
>> undoubtedly has more equity than that in the house so he would lose the
>> house and keep only the "grub stake" amount. No help there.
>>
>> Most people would keep their deed in a safe deposit box or some place
>> where they keep important documents. If you are unable to locate the
>> deed, you can go to the county office of records in the county where the
>> house is located and they will have a record of the deed. They may or
>> may not be able to help you determine if the deed is "tenants in
>> entirety" or not. If they can't help you determine how ownership is
>> recorded, get a copy of all information on file and post again that you
>> have info. Or better yet, go to a free legal aid provided and ask them
>> to look at the info or deed if you find it. If the deed says something
>> like Mr. and Mrs. Xxxxx "as husband and wife" it is almost certainly as
>> tenants in entirety.