Debtorboards - Sue Your Creditor and Win!

Credit Basics => The Flyingifr Method of Aggressive Credit Repair 2007 => Topic started by: Flyingifr on October 24, 2008 09:44:43 AM

Title: The Flyingifr Method of Aggressive Credit Repair
Post by: Flyingifr on October 24, 2008 09:44:43 AM
The Flyingifr Method of Aggressive Credit Repair
   

First, Understanding how the Flyingifr method has evolved:

     Why the Flyingifr Method?
     http://www.debtorboards.com/index.php?topic=7231 (http://www.debtorboards.com/index.php?topic=7231)

     Litigious? Read this first
     http://www.debtorboards.com/index.php/topic,7215
 (http://www.debtorboards.com/index.php/topic,7215)
Understanding the Ground Rules

     The Statute of Limitations:
     http://www.debtorboards.com/index.php/topic,7220.0.html (http://www.debtorboards.com/index.php/topic,7220.0.html)

     Venue:
     http://www.debtorboards.com/index.php/topic,7214.0.html
 (http://www.debtorboards.com/index.php/topic,7214.0.html)
     Junk Debt Buyers and the Chain of Custody:
     http://www.debtorboards.com/index.php?topic=2365.0 (http://www.debtorboards.com/index.php?topic=2365.0)

     If they refuse to accept mail from you (the Willful Blindness Rule)
     http://www.debtorboards.com/index.php/topic,7441.msg53243.html#msg53243
     United States v Jewell, see post #11 in this thread

    Wage Garnishment Laws by State
    http://www.debtorboards.com/index.php/topic,11451.0.html


Links to the Laws:


     FCRA: http://www.ftc.gov/os/statutes/fcra.htm (http://www.ftc.gov/os/statutes/fcra.htm)

     FCRA Staff Opinion Letters: http://www.ftc.gov/os/statutes/fcra/index.htm
 (http://www.ftc.gov/os/statutes/fcra/index.htm)
     FDCPA: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf
 (http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf)
     FDCPA Staff Opinion Letters: http://www.ftc.gov/os/statutes/fdcpa/letters.htm
 (http://www.ftc.gov/os/statutes/fdcpa/letters.htm)
     Findlaw: http://www.findlaw.com/
 (http://www.findlaw.com/)
     Lectric Law Library: http://www.lectlaw.com/ref.html (http://www.lectlaw.com/ref.html)

Understanding the Enemy:

     The OC's Collection Department:
     http://www.debtorboards.com/index.php?topic=3.0 (http://www.debtorboards.com/index.php?topic=3.0)

     Understanding the Collection Agency:
     http://www.debtorboards.com/index.php?topic=20.0 (http://www.debtorboards.com/index.php?topic=20.0)

     Understanding the Junk Debt Buyer:
     http://www.debtorboards.com/index.php/topic,4.0.html (http://www.debtorboards.com/index.php/topic,4.0.html)

     They Have an Attorney - now the FUN starts:
     http://www.debtorboards.com/index.php/topic,7216.msg17.html#msg17 (http://www.debtorboards.com/index.php/topic,7216.msg17.html#msg17)
     
     In a Hurry to Settle? Read this:

     http://www.debtorboards.com/index.php/topic,7217.msg18.html#msg18
 (http://www.debtorboards.com/index.php/topic,7217.msg18.html#msg18)
     Dealing with Payday Loan Companies: http://debtorboards.com/index.php?topic=8.0
 (http://debtorboards.com/index.php?topic=8.0)            See also:http://www.debtorboards.com/index.php/topic,6769.0.html

     Frustrating the Skip Tracer
     http://debtorboards.com/index.php?topic=4607.0
 (http://debtorboards.com/index.php?topic=4607.0)
Protecting Your A$$-ets

     Making Yourself Judgment Proof: http://debtorboards.com/index.php?topic=12.0 (http://debtorboards.com/index.php?topic=12.0)

     Protecting your Bank Account: http://debtorboards.com/index.php?topic=14.0
 (http://debtorboards.com/index.php?topic=14.0)
     Scaring Away Repossessors: http://debtorboards.com/index.php?topic=15.0 (http://debtorboards.com/index.php?topic=15.0)

     What Creditors CANNOT Take: http://www.debtorboards.com/index.php/topic,18538.0/topicseen.html

     Debtors' Exams: http://www.debtorboards.com/index.php/topic,18540.0.html

The Statutes of Limitations (on Suits and Judgments)
     
     This is from an outside source and is one of the best discussions of SOL I have seen with the best links:
     http://www.carreonandassociates.com/articles/sol.htm (http://www.carreonandassociates.com/articles/sol.htm)

     Another good site for SOL information:
     http://www.statuteoflimitations.net/ (http://www.statuteoflimitations.net/)

     Understanding the Statute of Limitations: http://www.debtorboards.com/index.php/topic,7220.0.html (http://www.debtorboards.com/index.php/topic,7220.0.html)

Their Lies and Obfuscations (and the truth to debunk them):

     Chaudhry v Gallerizzo: http://www.debtorboards.com/index.php/topic,7213 (http://www.debtorboards.com/index.php/topic,7213)
     http://www.debtorboards.com/index.php/topic,4202.0.html  (http://www.debtorboards.com/index.php/topic,4202.0.html)

     A JDB is NOT a CA - it is a Factoring Company:
     http://debtorboards.com/index.php?topic=24.0 (http://debtorboards.com/index.php?topic=24.0)

     A Pay For Delete is Illegal:   
     
http://debtorboards.com/index.php?topic=577.0 (http://debtorboards.com/index.php?topic=577.0)

     Pay for Delete violates the contract with the CRA:   
     
http://debtorboards.com/index.php?topic=617.0 (http://debtorboards.com/index.php?topic=617.0)

     Letters that have worked for me:
     http://debtorboards.com/index.php?board=18.0 (http://debtorboards.com/index.php?board=18.0)

     ITS - No mIni-Miranda:
     http://debtorboards.com/index.php?topic=41.0 (http://debtorboards.com/index.php?topic=41.0)

Sample Pleadings: (note please: I am not an attorney and this is not legal advice.)

     http://debtorboards.com/index.php?board=10.0 (http://debtorboards.com/index.php?board=10.0)

Other Stuff

     Can I tape Record a call without the other side knowing?
     http://debtorboards.com/index.php?topic=13.0 (http://debtorboards.com/index.php?topic=13.0)

     I think I'm in over my head    Where can I find an attorney? (no longer working)
     http://www.artofcredit.com/board/showthread.php?t=3533

Ways to Strike Back

     Sue the Collector personally (and his spouse under certain circumstances).
     I did not start this thread but it has some very interesting ideas.
     Note that these ideas are to my knowledge, untried - but they may be worthwhile trying at some time.
     http://www.debtorboards.com/index.php/topic,3378.0.html (http://www.debtorboards.com/index.php/topic,3378.0.html)

Does the Flyingifr Method work? (note that with the demise of AoC    these links no longer work.)

     http://www.artofcredit.com/board/showthread.php?t=6783
     http://www.artofcredit.com/board/showthread.php?t=2588
     http://www.artofcredit.com/board/showthread.php?t=9942
__________________


   Copyright, 2007

[11/28/11: Edited to add "What Creditors CANNOT Take" and "Debtors' Exams" at Flyingifr's request.]