The Moore Law Group & Citibank

Guillermo, it's clear from their response that they are trying to circumvent the law. In your letter you have requested for validation but they responded with verification. These two processes are not the same though we often use these words interchangeably. If you have asked for verification of the debt, the document that they have offered in response would have sufficed but not in the case of validation.

Thanks SC,

Do you or anyone have any advice on what kind of response letter I should be sending?

Thanks!

You should write a new letter and indicate that what they have sent is only partial validation that you still need the rest of the proof you have asked for. You could also point out that in a court of law they would have to comply with these documentation demands during discovery. You might also want to check and see if this is reporting on your credit reports because chances are the CA are reporting it wrong and that is further violations of the FCRA. Wrong reporting would be reporting it as open, that there are terms and that it is any type of account but Collection Account.

Thanks for your help, could this be a good response? Could you help me tweak it if necessary, Again THANK YOU for all your help:

Your Name
Your Address


Collector's Name
Collector's Address

Date






Dear Collection Manager,
Re: Account Number__________

I have sent you a written request to validate my debt having account no.__________ on [date].

According to the Fair Debt Collection Practices Act (FDCPA), I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. Unfortunately, I have only received partial validation from you. If you refer to my Validation request, not verification, you will find a series of questions that need to be answered in order to validate the debt.


As of right now I have only received information for the original creditor and a statement, this in no way sufficient information to validate the debt.


I am attaching copies of:
- Request for Validation
- Response for Verification from Moore Law Group & Statement



Your Signature
Your Name

I have sent you a written request to validate my debt having account no.__________ on [date].

According to the Fair Debt Collection Practices Act (FDCPA), I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. Unfortunately, I have only received partial validation from you. If you refer to my Validation request, not verification, you will find a series of questions that need to be answered in order to validate the debt. While I realize the FCRA and FDCPA can be a bit vague about what constitutes proper validation, in a court of law you would be compelled to provide all this documentation during Discovery.


As of right now I have only received information for the original creditor and a statement, this in no way sufficient information to validate the debt.


I am attaching copies of:
- Request for Validation
- Response for Verification from Moore Law Group & Statement



I would add on that bit in the orange as it shows them that you are prepared to fight this all the way.

Awesome Thanks!

Good stuff. I was just notified by Citi that they've turned over my account to the Moore Law Group as well. Unfortuantely, I was awfully close at reaching a settlement with Citi, and now they won't work with me and instead are telling me to deal with the Moore Law Group. I have yet to be contacted by them...

So this brings about a dilemna for me, do I call Moore and try to start the settlement negotatiations? Do I wait until they contact me, then send the debt validation letter and make them jump through hoops?

I really would like to settle this if possible... And I want to be certain I don't hamper my settlement possibilities by giving them the validation stiff-arm. Any thoughts?

Moore Law actually went and filed a lawsuit against me, I called in and we reach a settlement with monthly payments with no interest, and they dropped the lawsuit. I would recommend just to call them and try and work something out.

Quote:

I just got two v-mails and a letter from The Moore Law Group. Spoke to them today. They say that I basically have 30 days to work out either a settlement or payment arrangements on the full balance, otherwise it's scheduled for litigation next month.

Their offer was basically a 50% settlement or payments in full over 36 months.

Does anyone know if I can keep talking to them about settlement up until a few days before my 30 days to validate the debt, can I then still request validation if I can't reach an affordable settlement? Or does the fact that I am talking to them about settlement in any way impair my rights to request validation?

Just a quick update, I took the 50% settlement offer. I could not get the Moore Group to budge at all. Maybe I could have gotten it down if I was willing to let it go to the litigation stage, but being the last of my debts, I figured it was just best to take the offer. There was no point in getting sued on my very last credit card.

I thought the Moore Law Group was okay to deal with, but just couldn't get them to move off the 50%. Oh, well.

[COLOR=black]I have received a letter from The Moore Group this week. I owe them $62,000.00. I do not have 50% to pay them. I am a small business owner barley hanging on. I am working 6 days a week 10 hours trying to keep it going. People are not spending money. I have let go most of my employees. Is there any help out there for people like us that are just plain victims of this economy? I am looking for suggestions.[/COLOR]
[COLOR=black] [/COLOR]
[COLOR=black]Has anyone worked out a payment plan with them? If so can they give me an idea of what they did?[/COLOR]

[QUOTE=Bugstarr;734019][COLOR=black]I have received a letter from The Moore Group this week. I owe them $62,000.00. I do not have 50% to pay them. I am a small business owner barley hanging on. I am working 6 days a week 10 hours trying to keep it going. People are not spending money. I have let go most of my employees. Is there any help out there for people like us that are just plain victims of this economy? I am looking for suggestions.[/COLOR]

[COLOR=black]Has anyone worked out a payment plan with them? If so can they give me an idea of what they did?[/COLOR][/QUOTE]

Guillermo negotiated monthly payments at 0%. Perhaps if he doesn't repsond to your post you should trying sending him a private message. I think he kind of outlined what he did above though.

FWIW, the Moore Law group is using "sewer service" (Google it) to try to get fraudulent Entry of default after filing suit. I'll bookmark this board, if there is an admin who would act as a go between, I am in San Bernardino County, and am preparing criminal complaints, need other victims of this scam outfit.
I will check back, these guys are CROOKS.

THX

I will bump up your thread from time to time and if you do the same you may pick up a couple. There are two more threads about them if you do a search above. It would be good if you signed up as a member as one hand washes the other around here. Did you look on www.budhibbs.com for them?

Thanks.
I've already filed an incided report with the local PD, got a call in with the county DA, tomorrow State AG and local paper + TV...

FWIW, it appears there are at least 300 cases out of the Victorville courthouse (Victorville, Hesperia, Apple Valley CA area), I presume many were not actually served although the atty filed "proofs of service" without effecting service as they did in our case. Leaning towards letting them take the default, then challenge and have it tossed on grounds of fraud.

Ideally, if I can find a few other people also "sewer served", we could hit them simultaneously with motions to vacate defaults, recover $1K @ statutory damages, perhaps damages for fraud, and sanctions sufficient to put the attorney in deep doo doo. I'll register tomorrow when I get a few minutes - a bit busy obviously, as this is only ONE Citi card, and they seem intent upon suit. I'm researching and preparing a number of novel affirmative defenses and counter actions, but I'd love to share - we the people must work together to stop the crooks.

Moore Law Group did this to me as well. They used a server from Time Machine in Los Angeles who claimed to serve me personally, and that did NOT happen. I had to go to my courthouse and purchase a copy of the fraudulent notice of service. When I asked the clerk about the signature of the summons, she told me they didn't need to be signed. The proof of service says the server charged $55.00 to serve me. I live 400 miles from their office, and seriously doubt this person ever left LA. I am disgusted to note that almost none of the legal or debt management persons I discussed this with showed any sign of surprise at this tactic. Some even had a very blase' response and one just said, well they're very aggressive. I pointed out to them that aggressive means powerfully competitive, but this tactic is fraudulent, as in ILLEGAL. I also was mailed a request for entry of default and was told by the lawyer I consulted that he had seen this sort of legal abuse before. My issue with them is with Discover card.

I have the same problem, the claim "substituted service". But no one was served. But I was told by the legal aid people in the court that if I file motion to quash to service all they need to do is hand me the summon at the hearing of the motion. So it would be waste of time to file the motion. How about if I have the money to hire a lawyer? can they just serve my lawyer or they have to serve me by lawy?

haha. yeah right.

No..because by law you have to have some time between when you are served and the court date. Go and challenge it and make a big stink..they committed fraud by saying they served you when they in fact did not.