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Sample Pleadings / Re: i have NO idea.
« Last post by Bruno the JDB Killer on Today at 09:12:43 PM »
Ok, as you know, I am from Arkansas. So.
How do I know if it's small claims court? It's filed with the circuit Court, Civil Division,  does that help?



I am not from Arkansas, I cannot help you with that. Just file for arbitration. List ONE affirmative defense, that being arbitration. Use the answer form. File the motion. Park your mule outside the court house and ......sorry, we like to make jokes. Do you like Burger King, you all? Here is the motion form. Your horse can translate. LOL Change it to suit your case.
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Sample Pleadings / Re: i have NO idea.
« Last post by ms_sandidge on Today at 09:06:37 PM »
missed the window for editing the post.
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Sample Pleadings / Re: i have NO idea.
« Last post by ms_sandidge on Today at 09:04:17 PM »
Ok, as you know, I am from Arkansas. So.
How do I know if it's small claims court? It's filed with the circuit Court, Civil Division,  does that help?
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General Credit Forum / Re: My Journey, a success story
« Last post by Flyingifr on Today at 09:03:11 PM »
If Chase is saying it has been removed, expect it has been removed from all 3 Bureaus. If a Bureau says it has been removed, expect it has been removed from that Bureau only.
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Sample Pleadings / Re: i have NO idea.
« Last post by ms_sandidge on Today at 09:01:57 PM »
I wouldn't take any comments about the state personally, I grew up here and I have travel all over the country and people ALWAYS think I'm stupid because of the accent. Doesn't bother me, usually works to my advantage in the end. And I don't care how much yall make fun of AR because you have been most helpful indeed. Thanks!

Now to the business at hand, I have gotten an answer done by the website listed above , it was excellent! On affirmative defenses, is it ok to list them all? just in case I might need them. I don't know what all of them are and I don't wanna miss something. So I have them all in there but is the court ok with that?
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Ok, I more or less agree, in-so-far as VA law is unsettled on the issue of CC SOL and accrual.

But as a practical matter, all you can do is argue for interpretations that support your SOL defense.

That may mean picking up another month or so on the accrual issue.

And years on the various VA SOLs themselves.

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Sample Pleadings / Re: i have NO idea.
« Last post by Flyingifr on Today at 08:59:49 PM »
BTW, there are historical reasons why certain people on this forum will make fun of anyone from Arkansas.  Don't take it personally.

Speaking of the historical reasons, I am surprised Coltfan hasn't chimed in yet.
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General Credit Forum / Re: Looking for advice.
« Last post by Flyingifr on Today at 08:54:27 PM »
How long will it take you to pay the card down to a 9% utilization rate?
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General Credit Forum / Looking for advice.
« Last post by duh on Today at 08:50:40 PM »
After quite a rocky road for many years I am happy that my FICO is nicely north of 750.

This is an actual FICO about a month ago.

I have 3 hanging on credit cards that are open . None are near the credit limit but their interest rates on 2 are fairly close to 25%, and the 3rd one is just around 18%  ( 18 plus%)

So I decided to find a lower interest card and I did so.

I have, in my possession, one with an 8% interest.

Would you, if it were you, do balance transfers from the other 3 accounts, to this new one?

The only reason I hesitate is because doing that will fairly max out the one new card, rather then have it spread out over the others.

Would that give me a major ding in my credit reports?

I am only concerned at this point if I need to get a new car. (I am driving a 2001at this point)(But it only has 68,000 miles on it)

I would not close any account. I know better then that and do have a couple with interest rates in the 20% s that I am not and will not use....

Or am I better to not rock the cradle?

Thanks





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Huhhh?  I do not understand your impassioned response CleaningUp.  I never mentioned litigation.

Do you work for TransUnion?  You seem to be taking this personally.

OK.  You maybe right!  Courts do not see ghosts. 

I don't see ghosts either!

Call TransUnion.  A simple phone call might clear this up.

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