Providence Dane, LLC

What state do you live in?

When was the last time you paid on this account?

I can't find anything on the company you mentioned, it may be a fake.

VA
3 weeks ago to the original creditor
This is the number he includes in his emails... Toll Free 866 540 4656.

He said my new total is $4230 with their fee added. This is ridiculous. Over 2000 dollars just in fees alone. I don't want to go to court, but this guy is really lame and not interested in anything else but getting his money.

I can't find a single thing on this company. You might want to call your secretary of state to see if they are a registered corporation.

I did call the number for you and it gives about 5 first names of people. I find it odd.


Please give me any information from the letter that you can, a first and last name an address anything. I will look for you.

OK the only thing I could find was a crapload of lawsuits in Virginia Providence Dane LLC attorney is David Ashe esq.

Contact Chase and make sure that they are receiving the payments. If they are then ask if they have hired the attorney.

Do you live with your father?
How did he get the letter?
Was his address ever your address?
Do you to live in the same court jurisdiction?
Did you check with the court to see if this was a VALID "warrant"? Generally a court date is set after you have been served a summons and had a chance to reply.

Yeah, I spoke to David Ashe via email. He seemed nice but when I told him I couldn't make 3 payments of 1200- he was like, well too bad.
I don't live with my father, but it was my address at one point. No, i'm no longer in that court jurisdiction, but it's not that far away. I checked the courts website, and my name is definitely on it. So i'm screwed. I'm not sure what to do! No, Chase sold off the debt to this gentlemen...

That's why it's best not to have anything (including assets) in your name. I don't own anything of any real value. They cannot take anything if you have nothing. Especially if you are not working. They cannot take anything from me, however, I would not want to deal with the collections attempts and court. Luckily, I owe nothing, except what I am making payments on.
When you got nothing, you got nothing to lose. (song lyric to some song)Like a Rolling Stone-Bob Dylan.

indebted,did you save that e-mail?that could serve you well.you see if or when this goes to court bring all e-mails.i don't see how the judge won't let you set up payments with your emails asking for them.
chances are,the judge could set up a payment plan for less than the three at 1200.00.

I'd like to take care of this out of court, but at the same time it may be a benefit since fees on credit have become such an escalated issue. The judge may wipe some of it off. Do you think I should contact David Ashe and try to resolve this again?

can't hurt,just save the emails and inform him you are doing this.that might help him be more resonable.

The other thing I wanted to ask though is that I thought if you were paying the original creditor, then a CA can't claim the same debt? can someone explain that to me?

they can claim the same debt,but can't add any additonal fees like they are trying to do to you that is why if it goes to court you can request validation during the discovery phase.that is the very first part of the court action.

Quote:

Oh I see. Well, darn. I was hoping that was a loop hole of some kind. Additionally, the only paperwork they've provided me (via email) was a signed paper that they owned the debt... but that was it. No info from the original creditor or anything. What's odd also is that he said my total was 4200 with their 6 percent added fee from purchasing the debt, but on the court papers, i'm only being sued for 3700.

Contact the court and have the case dismissed because of improper venue. They have to sue you in the court jurisdiction that you live in.

Also send them a debt validation letter and make them prove that the debt is legally theirs and that the extra charges are legally permissible.

I know you don't want to be difficult but you also don't want to pay what you are not required to.

Can I do that? Ok... will do then. Thank you so much. Maybe that'll give me more time.

Can anyone verify that you can call the court and dismiss it for being out of your county?

They will argue this point if in fact you signed the contract in the district they are suing you on.

If not then yes, it is improper venue DEPENDING on how far away it is. If is only a few miles, it ain't worth complaining but if it's a good distance then fight it.

15 USC ???? 1692i
(a) Venue
Any debt collector who brings any legal action on a debt against any consumer shall????????

(1) in the case of an action to enforce an interest in real property securing the consumer????????s obligation, bring such action only in a judicial district or similar legal entity in which such real property is located; or
(2) in the case of an action not described in paragraph (1), bring such action only in the judicial district or similar legal entity????????
(A) in which such consumer signed the contract sued upon; or

(B) in which such consumer resides at the commencement of the action.

ok, well than maybe that's not an option. I signed up when i was living at home when i was 18... i don't live there anymore, but i guess that's the county when i signed up for the card. What could be my next move, then? should i write the lawyer and try to work something outside of court??? or what? He wants a lot more than i think i should pay. i mean 2000 of it is fees!

bump

Still file the MTD based on improper venue. Likely it will be dismissed without prejudice giving them the ability to re-file in the proper court.

Does anyone have a suggestion for the wording that should be used to correspond with the lawyer... so far I have:

Good Morning Mr. Ashe,



I'm sorry for the time lapse between now and our previous correspondence. Unfortunately I've had several issues to take care of in the recent months and I've only now found myself in a position to pay the debt owed.

From there i'm not sure what to say... i want to request debt validation but i'm not sure how that will affect the fact that there's a pending court date. I need to be careful because i'm sure he'll use this email at court should it go this far.

I would make a written complaint to the Virginia State Bar complaining of Mr. Ashe and his evasive law practice, i.e. no return addresses and/or phone num bers, failure to properly respond , filing legal proceedings in an improper court for the purpose of gaining an economic advantage and/or to defraud the alleged debtor and the court. This guy lists no phone numbers and has no public office that i can find, except a mail drop. Report him to any stete bar association IN WRITING that issues bar licenses. Also write the Court and explain in detail what is going on with what appear to be fraudulent collection attempts. I suspect he has bought some bad debts and is trying to collect them as cheap as possible, however I also suspect many f the debts are beyond the statute of limitations period SO DO NOT EVEN SEND one penney or it restarts the statute of limitations.

debt offer to pay 800.00 p/m you have not replied

this is my third try to get a response on my offer to settle this matter out of court. you are not making it very easy

Colemandavid, you have the wrong forum!