Loan Has Been Refinanced - Who Is Original Creditor Now

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• What If The Original Creditor Still Has The Debt or Shows On The Credit Report

  If the debt has been "discharged" or shows something similar on one's credit report, the debt note has been sold to a third-party debt collector already. While the debt collector may not have reached out to collect the debt yet, one may still send a ...

• Original Creditor Claims Contract Requires Arbitration - How To Avoid This

  If the original creditor has an arbitration clause, it typically must be honored by the debtor (see citation). Only in the case of debts that are in collections would a debt collector be unable to claim an arbitration clause that was made with the ...

• Do Secured Party Creditor (SPC) Methods Work

  A UCC Financing Statement (UCC-1) is a very mighty financial instrument indeed, but only when used for the right situation. Filing a lien on a trust one did not create and did not act as trustee for is inherently fraudulent – that is demanding a debt ...

• Who is a Third Party Designee

  This is the party designated on a tax form who is able to discuss that specific tax return and year with the IRS. It also authorizes the IRS to disclose said tax information to a person one brings into a phone conversation or meeting about a specific ...

• Judge Said Original Note Is Not Necessary | Verification of Debt

  This is a blatant misrepresentation to keep one from exposing the truth. The Judge is in most cases using the words VALIDATION and VERIFICATION interchangeably, but they are very different in their meanings. The Chaudhry v. Gallerizzo case upheld a ...