• Report: #459880
Complaint Review:

National Credit Acceptance, Inc. A California Corporation; John J. Pugh: Lawrence Smith

  • Submitted: Mon, June 08, 2009
  • Updated: Sat, January 09, 2010

  • Reported By:Carmichael California
National Credit Acceptance, Inc. A California Corporation; John J. Pugh: Lawrence Smith
3539 Bradshaw Rd. 389 Sacramento, California U.S.A.
  • Phone: 916-830-0556
  • Web:
  • Category: Lawyers

National Credit Acceptance, Inc. A California Corporation; John J. Pugh: Lawrence Smith NCA is like a nightmare that never ends. How can an original judgment of 11,000 escalate to 15k. Well, NCA - gouging: I paid 9k on a demand; then had to have my wages garnished for another 3k; now because I filed a motion (pro per) to request that the judgement was met, I now owe another 3k. Help! I feel like I'm getting fleeced with no recourse. Accurate costs? Who knows? Sacramento California

*General Comment: disrespect for the consumer with disrespect for the law in the superior court as the stage

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Due to a failed business in 2005, my MBNA credit card debt was bought up by NCA. Since 2006, my nightmare has not stopped. I settled the 11k account for 6 k and have a demand letter of acceptance signed by Ms. Lisa Avalos. However, when I filed a motion to refute the additional charge, Lisa Avalos produced records detailing conversations she had with my husband who allegedly agreed to pay the remainder after the closure of a refinancing on a home.

I had the card, not my husband. I had a legal separation, so I wonder why NCA never spoke to me or revealed a record of my acceptance to pay after the demand letter was submitted. I lost the motion because of NCA's accurate records! Please! Now, after I receive a check from the Sheriff indicating the levy was satisfied, I received yet another judgment for the lawyer's fees for the motion. How do I know whether or not the costs are inflated?

I can't go back to court to file another motion; I can't afford the costs. Help! Someone must be able to help me determine whether or not the fees for my losing the motion are reasonable. After the latest levy from John J. Pugh (Naational Credit Acceptance), I filed a claim of exemption. Following the court notes from "exemptions from the enforcement of judgments" I scripted items to detail why I ought to be exempt. Mr. Pugh all but refers to my items as bogus! A car to get to work!

Gas and insurance, not a proper deduction! Please! Deductions from my paycheck for retirement that I have no control over are made to sound like I'm hiding money. Without proper notice from John J. Pugh for a hearing on the Claim of Exemption, the motion was dropped "due to defective service of notice." How can a lawyer not follow rules for service and yet be allowed to fleece thousands of dollars beyond an original demand.

While the motion was dropped, Mr. Pugh, National Credit Acceptance, was swift to garnish $1,300. from my check, leaving me financially short and unable to pay some bills. If anyone one has advise as to how I should proceed, I would welcome your advice. Because the matter was dropped, the Sheriff is "directed to return any and all monies" to me, but red tape will delay my ability to keep my payments on time. I'm not a lawyer, but I'm not stupid and know when I'm being Ripped Off. Before Mr. Pugh, NCA, levies again, which I'm certain he will, any guidance or legal support anyone might offer would be greatly appreciated! A single mom --

Carmichael, California

This report was posted on Ripoff Report on 06/08/2009 11:18 PM and is a permanent record located here: http://www.ripoffreport.com/reports/national-credit-acceptance-inc-a-california-corporation-john-j-pugh-lawrence-smith/sacramento-california-95827/national-credit-acceptance-inc-a-california-corporation-john-j-pugh-lawrence-smith-nc-459880. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 General Comment

disrespect for the consumer with disrespect for the law in the superior court as the stage

AUTHOR: rsquirt - (USA)

the state bar members pugh and smith are like all of us creature of habits ,whereby the habit is proffitable therefre it does not matter if it is a bad habit .it is a fact that drugs cigarretes ,liquoir and sex are considert also bad habits furthermore they also condemed by the church and called sinns .

that these bad habits cost money and could have serious concequences ,loosing liberty ,lung cancer ,vehicle manslaughter and now you get infedcted and takes a year to know that somebody got his revenge based on that person was infected.

wherefore habits are a personal decision and it can be costly ,that pugh and smith dont have the problem based on the habits that make them rich and leaves the consumer the victim of there habits .without a good credit rating we are 3rd rated and life therafter is not really woth living for .that they can continue to suck life out of you with the blessing of the superiors who furnish the playing field .

conclusive no body is ever going to make pugh and smith aware of the habit they have is disrespect for what business ,consumesr obligation thereafter .

nca buys woth of defauted credit card accounts for a 025 cents on the dollar and the return after cost for the private abitrator 300.00 and then perhaps another 300.00 in the superior court to cash in a piece of papder awarded from an out of state p.o. box with the ruler is located in los angeles and also an active member of the bar presents a very profitable set up .that john pug is been filing petition recodrede in the sacramento court  since 2000 and the amount granted on petition never served but filed by a court clerk who then enters a default jusgement on behalf of pugh completes the bad habit and why should he stop ? i have tried to analyze this collection act by nca beit breach of contract and or petition to confirm the award with fraud  .that his name is on on over a 1000 cases filed in california superior court in all counties and he never leaves his office

that presents a network of state bar members who also have this habit a earning habit .the local jurisdiction presents the judgement issue granted so easly in favor of the state bar member by a former state bar member if the debtor was served and the petition thereafter was kind of protested against .which again a state bar member is making money in the deal .how ever that is a rare accastion because if the debtor still has resources to hire such proffesional there would not be a petition to confirm and or  a breach of contract be cause for action .that no attorney will work based on unfair collection practice unless he takes a risk .that attorney are not risk taker because they believe in law and justice .based on the fact that one has to pray upon a mortal .that he could have been denied sex the night before my case was called and the first on the schedule is praying for judicial miracle .

that i am a teple for jesus crist and no church was  ever  part of the gospel praying upon a mortal two man kissing openly on tv .god says no state bar member say yes the supreme court to make a ruling ,homosexuallity is practiceng gender bias because the other gender is not respected . if 2 male adopt a little boy present a conflict of moral basde on the catholic church and altar boys  well tyhge conflict will only be settled if state bar member are involved .weherefore i belive in the judicial sytem ,that i dont pray because i want something  i reasonson first if i can have it and if it is not avaiable then based on reasoning i can not have it

based on that human nature the abilty to reason with the god given gift to communicate with speach with the belive in the good in every person ,that i respecgt ny enemies equal .wherefore the statement presented by a consumer and a victim of the habits by pugh and smith .that no lung cancer and or a DUI ,AND OR AIDS WILL BE THE RESULT FROM THIS BAD HABIT .THE ONLY KIND OF WARNING TO BREAK THE HABIT OF PUGH AND SMITH IS FROM THE PARTIES WHO ALLOW THE HABITS TO BE FORMED .THAT THE HABIT THAT HAS HURT ME IS SIMPLY BASED ON A CRIMINAL HABIT .

                              THE HABIT

the petition filed based on page 1 of the petition presented FNANB as creditor  and page 1 of the supoorting evidance  exhibit A presented a credit card agrement that mentioned mbna .that based on the informationof 2 pages i filed a law suit against the state bar member who filed the fraud to confirm fraud  the amount of the unfair debt collection pracice ccc 1788 was 1.800.000.00  the amount of damages was based on 1000.00 per day from 01.24.2003 to 02.05.2008 .i was robbed asnd all my important pares statement were taken and used to black mail and or to extort my signutures

a divorce with a state bar member and also acting as pro tem advising a  mexican national to ambush her american husband 6 moth after a 10 year green card was granted thru marriage to an american .that is a little pointer for the amount asked for

on 01.20.2010 it be 7 years that i have been played with by officer of the court executive deputy clerks who are the rulers inmost cases .that based on the filing of the bad habit a law suit was filed and served concurrent against the public entity that has no mercy from punishing the people for having bad habits ,that is not the grounds for the complain filed and also in the amoungt of such dream amount and or a legal challange presented to the supervising judicial officer of the superior court


a california cooperation and and the ruling authorities are defendents and the bad habit is a criminal habit ,the cjp state bar ,Aoc and not to forget that the counsel for the defendent superior court is  no other then the big one himself the attorney general ,the deputy attorney general is a employee of the state an active member of the bar that his defense of the bad habit resulting in a judgement against  the american that became a victim from an american lawyer advising a actor of fraud to rob her american sponser .the defense by the people in the bad habit issue was that the consumer and victim is unitelidgble and or in plain english is an idiot and that based on the defense his authorities can only based on his last mane is brown that he is a member of a private club and as an employee of the state is defending a california cooperation that is required to operate under the law of the state .therefore proposing a criminal act by one defendant asking the ruling defendent to lie  is part one of the habit that the the other defendent smiles granting the lie is true fact


that the amount was notice but it failed to present a legal; point that ignorance is no defense unless the ruling partty is as ignorant  ,to make sure to proof that a judge is permitted to act as he pleases because the attorney general claims the victim an iodiot because he knows the judge and defendent will dismiss his unreasoble performance .that law was founded on reasoaning  that a judge determend to remove the trust and respect for the court by the people is unreasoable  .is it a crime to be a reasoable idiot ?or was it because the name of the employee is brown wherefore acting under the authorities of a namesake .that because ones name is brown is no authorities to call anotherf an idiot

that my response is related to the same parties and the action was before ,that the fact established hereby is a people ,that the action in one court was based on criminal action that then they continue in another court .the state agencies including the bar will be presented with a question to provide points of autjorities where a officer of the courfdt can proposed fraud upon the cxourt ,that both are named defendent before the act is also a reasoable argument .to find a attorney that share the same belief and trust inthe judicial system present a major legal hurdle .


112.000.00 is public information and i never had a business relation ship and credit card  account with 3 accounts purchased by the local california cooperation then used out of town attorneys as front and then procecuted 6 cases and , 3 cases were dismissed by court and or himself but turned around got the dismissals overuled and by the same jusdge got a judgemt against and to futher insult a clerk from the court filed a judicia lien against real property without any proper legal proceedings.

3 petitions all proceuted by the local defendent and on all 3 petitions the page 1 of the petition presented true fraud not only obtainig the award with fraud that the fraud was petionnded with fraud ,that then proposed orders between defendants made it look like a default ruling ,the proposal was that responded did not appear on thatt date and no written response was filed by the consumer  .that based on the minute order thejudge and the local attorney were witnesses that i was there and argument by the parties ,2 daYS AFTER THE PROPSED ORDER WAS FILED AND NEVER SERVED THE SUPERVISING JUDIVCIAL OFFICER SIGNED THE A LITTLE LIE WITH HIS Q  OWN LITTLE BEING THE THE PERMISSIN TO THIS BAD HABIT OF JOHN J PUGH AND LAWRANCE SMITH WHO DONT EVEN HAVE TO SHOW .FILING FAP 2  DAYS BEFORE A HEARING AND PROPOSE AN ORDER AFTER THE RULING WAS FORMAL .



the one time defense was under ccp sec 430.10 {a-f}all responses to first and other amended claims were anwered with just one word unintelidgble

that people who are not a victim of such bad habits will never understand what it is to reason with the unreasoable .that on all the response by employees of the bar and state that were drafted by employees were under the authorites of elected and appointed official and acting as directors and attorney general .that the cjp {chief justyice george }the aoc and or the jcc ,futher authorities by the director george is the real agency ,the state bar hires walker to devaluate ,walker is neutral that then walker was not in the members favor wherefore the bar protects the member behing the supreme court and 60 days to file verified accusations after they cleaned out my bank account and the retailer mamed is circuit city the latest of collection act is nca the defendent and the the court apponted reciver robb evans no presents the same information as the page 1 of the fraud filed by nca

that this is now a state issue becaquse the judge whoi appointed the receiver has givin the permition for this bad habit to make a ramble again .and or 7 years is not long enuogh.

as for getting in to bank accountit takes a piece of paper from the court

a lien without proper notification is equal and the case being dismissed is another injury based on being an idiot ,thank you employeeds of the state of california

we know the problem but who wants to to stop the gravy train .the attorney general ? as for grammar i am mentally disabled and receive 875.00 govement benefits for being a idiot ,but the law makes every mistake i make a fetal one   the name brown is the authorities


it is the first amendment to express induvidual beliefs ,opinion hereby is presented

a attorney can put my name on a roll of toilet paper filed with his favored clerk then ask his golf body to lie and bingo how deep and or who is full of it  a citicen named brown ?

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