In 2002 I stopped paying on a Providian credit card account that was opened in 1999.
Providian would not bargain to lower the 35% intrest rate and the $100 payment was not lowering the balance.
I informed Providian in May 2002,I would have to stop paying on the account due to financial hardships.
LVNV Funding and the Law office of Weinstein of Greensboro, NC (336-272-3556) has called me daily Monday - Sunday as late as 10:00pm and even on my job telling me I must pay or they will sue me or put a judgment against me.
Donna Holt of the Law office Of Weinstein in Greensboro sent an affidavit by the sheriff department in December 2005, telling me I must send a reply by Jan 15, 2006 of my intent to pay $3,148.08.00. She said she will sue for this amount and any interest owed up until the time the account is paid in full.
I hired a lawyer- Ben Williams from Louisburg, NC from the office of Jolly Williamson and Williamson (919-496-4154)to file a reply back to Robert M. Weinstein of Weinstein Law Office in Greensboro, NC, stating this account was past the statue of limittions and even though the account was charged off, I would send good faith money as settlement in the amount of $1000.00 if they would send back a confirmation to agree.
Ben Williamson communicated verbally to me, the collector (LVNV) would not agree to the settlement offer and I needed to borrow, get a loan or sell something, to repay the money.
I found out Ben Williams never filed the reply to the clerk of court of Franklinton N.C. nor to LVNV on my behalf.
Ben Williamson called me at work on 5/24/06 to inform me he had held off the Debt collector attorney at Weinstein as long as he could and if I did not pay the amount owed, a Judgment would be filed against me. On May 30th, 2006 Robert M. Weinstein sent a letter to Ben Williamson to forward a judment entered against me in favor of $2,830.78 at 8% intrest, together with the court cost. Robert M. Weinstein stated, I needed to call their office 10 days from the date of the May 30th letter, to make arrangement for payments or call toll free 1-800-789-4529 in reference to file #05-CVD-1248.
I made a good faith settlement to the best of my finanical abilities even though this account is past the statue of limitations - they verbally refused this according to Williamson. I have nothing more to offer or say to them.
I am at a lost - I trusted a lawyer who in turn, took my money and did not represent me as he said he would.
Weinstein Law office /LVNV Funding, LLC (Providian Financial Corp)keep harassing me for an account that has been charged off since 2002.
What can I do to remove this Judgment against me and to have them cease communication with me on this matter?
FRANKLINTON, North Carolina