You don't have to provide them anything. I would in fact recommend that you don't. All they want to do is use it against you. If the HELOC was charged off, they will likely sell the debt to someone else for collection. You should be able to negotiate with them. My advice is to talk to a consumer rights attorney regarding your options.
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They are debt collectors
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If no one else has guaranteed the debt, the debt will either be paid from her assets in probate or the debt does away with her death. As her daughter, you are not responsible, and the only one who could potentially be responsible is a spouse. I am assuming, however, that that is not an issue.
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If you signed the agreement in reliance on the information they provided, and they concealed information from you in order to induce you to sign the contract then the contract may not be valid. You may also have a claim for fraud (i.e. intentional concealment). The question is whether they had an obligation to disclose that information to you, and, even if they did, would it have changed your mind about signing the contract,
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Unfortunately, you're likely out of luck. Your pay to delete letter is worthless because they've already obtained a judgment against you and the motion to set aside must be brought within 6 months after the default is entered. Your judgment was 3 years ago! As far as the court is concerned,the judgment is dispositive as to the amount owed. You had your chance to contest it either didn't succeed or failed to respond. You may be able to bring an FDCPA claim forattempting to collect a debt knowing...
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File a claim with the Department of Labor for your unpaid wages. The company must pay all of your unpaid wages at the time of discharge. (Labor Code 201 and 227.3). Labor Code section 203 also provides for a waiting time penalty if your employer willfully withholds your unpaid wages (which they are clearly doing here), up to a maximum of 30 days the value of your regular earnings.
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Possibly. Although you likely provided informed consent for the procedure itself, recommendation of the procedure when it wasn't warranted may also constitute medical malpractice (ie. breach of the standard of care). I'd be happy to talk to you about this if you want to give me a call: 760-431-5290
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I think you mean to contest the ticket, rather than appeal. These terms are words of art and have specific meanings in the legal context In any event, yes, contest the ticket. You shouldn't have to pay or be affected with increased insurance premiums if the lights weren't working. The challenge will be obtaining admissible evidence regardng the lights being out.
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The contractual terms of the ticket may govern their exposure under these circumstances
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In addition to a waiver of costs, ask the attorney for a release of all claims, including any potential claims for malicious prosecution. You never know, but you don't want an angry doc suing you after you sued him first (and later dismissed)
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