Lighthouse Credit

Elkin, NC

#48 Sep 14, 2010
Oops my email in oliviaj@skybest.com
Lighthouse Credit

Elkin, NC

#49 Sep 14, 2010
Bonita wrote:
<quoted text>
Do you work for Lighthouse credit foundation? Why the PROMO code?????
YES IT DOES.. I just posted on here about how my interest rate with them is 2%. So my balances are just falling off. I went to refinance my house and the loan officer kept telling me how Lighthouse raised my credit score. We had tried one time before to refinance but our interest rate was too low. After signing on with them it went up. The promo code is so they can keep track of how you heard of them.

(800)873-9906 ext.#3769 promo code 249511

you can email me if you have any questions
oliviaj@skybest.com
somehow

Miami, FL

#50 Oct 12, 2010
Someone? are you still on these boards?
Boxing

Dalton, GA

#51 Nov 28, 2010
mark wrote:
dh
Thank you so much - I am in the same situation in representing myself. I am blessed to have an attorney drawing up the paperwork, however, ultimately, I must execute, and do research - and address this with every fiber. My debt is well overstated, and Hanna has not searched me either - however, they have filed with the courts... And, I noticed - they never offered the 40% settlement either.
Donz

Alachua, FL

#53 Jan 31, 2011
I received a letter from Hanna giving me 30 days to respond. I have exhausted all my resources for payment. They say I owe $10,000 & change, but agreed to settle for $2,900 on Friday if I could pay by Monday. I have no where to go. I don't know if I can pay my mtg payment this month. Can someone tell me what to expect from them next.
Thank you.
fedupj

United States

#54 Jan 31, 2011
They will pursue pmt until it is paid in full. They are not friendliest people to deal with. I'm currently being garnished for full amt for 25% of my wages being taken with no arrangements to pay disct settlement. If u can pay disct amt I wld take it. See if family will loan it to u. Good luck!
Donz wrote:
I received a letter from Hanna giving me 30 days to respond. I have exhausted all my resources for payment. They say I owe $10,000 & change, but agreed to settle for $2,900 on Friday if I could pay by Monday. I have no where to go. I don't know if I can pay my mtg payment this month. Can someone tell me what to expect from them next.
Thank you.

Since: Feb 11

Phoenix, AZ

#55 Feb 1, 2011
If you have Credit Card Debt or Loans Unsecured
I can get you help 70% or more
call 866-999-3596
email debtinfo10@yahoo.com
There is help
coach

Scottdale, GA

#58 Jul 1, 2011
I've beaten Hannah twice this year. They don't have anything on you. They cant prove a thing. Deny the debt, and they will dismiss the case in 5 MINUTES. They cant prove the debt it yours. Don't let them bluff you by showing you a generic credit card contract or your credit report, or a credit card bill with your address on it. None of that proves that YOU opened the credit card account.
gaboy

Sylvania, GA

#59 Jul 20, 2011
CalmCollective wrote:
I also went through a lawsuit with Fred Hanna. At that time I worked for an attorney, so I did as much research as possible. I had a credit card that was turned over to CCR Unifund. I never received much correspondence from Unifund... all of a sudden it was turned over to Fred Hanna. I started getting really nasty phone calls from them. I had one lady question me about my degrees and then say I should have been a stripper and would have probably made more money... ooookay... really unprofessional. After that I kept getting harrasing calls. Had I knew then what I know now, I would have busted them for talking to me about anything outside of the debt. Anyway, they scared me so bad that I started making payments... with checks (a big no no). One day my bank account with B 0f A was frozen. I had no warning... nothing. It was rent time and I just got paid. The bank held my entire check and everything that was in my account. I was frantic! The court had to hold the funds for 30 days due to the garnishment request. What happened was Fred Hanna said that he served me when in fact he did not. I got a default judgement against me because he lied to the court and said that they served me and I did not respond within the given time frame. I didnt back down... I dont like liars, especially ones that bully! I went to the court and filed a traverse. I got another court date and went up against one of Fred's attorneys. After doing my resreach I learned that after a granishment, a party has 3 days to notify you in writing. Fred Hanna notified me on the 4th day and the judge dismissed the garnishment. The atty was SO mad! She said that she would just file again. She did (the same day) but I had already withdrew all of my money, so Fred Hanna got two cents that I left in the account (lol). My next step was to file a motion to set aside the judgement cause that stuff went on my credit. I file the motion and had affidavits signed and notarized that I was out of town the week Hanna said they served me. I sent all that information to the court... had my court date... fought... and won. Don't back down! There are loopholes to EVERYTHING! They harass people because they think people will back down. I am not scared of attorneys... thats why I am going to school to be one. They make mistakes just like all of us... and the people calling saying the nasty things are working for pennies, so thats why they are so aggressive... its what they feel they have to do to eat, so don't take it personal and get all worked up. Screw them! Oh yeah... my original debt was 2500.00. Hanna hacked it up to 7500 with all the interest they tacked on. I included in my motion that I wanted all of that removed, in which they had to do :-) Each time I went to court, I represented myself and won against people with law degrees. Never underestimate your own power. Good Luck :-)
Hi i would love chat with you about your case. they have a habit of not serving people and saying they have.
gaboy

Sylvania, GA

#60 Jul 20, 2011
hello I Would love to hear from all of those who have had dealings with Hanna and they stated they were served papers or any sort and had not been served.
Tulley

Union, NJ

#61 Aug 24, 2011
I used to be a GA resident but not anymore, however I usually check the court records online due to a case I'm helping my mother handle, I discovered that Fred Hanna took me to courts and lied that I was personally served, which I wasn't and they filed that I was served 3 weeks prior to entering it in the court records so I'm very limited in time to response but I'm confused because I wasn't served, I do not own a GA ID anymore and have moved for 2yrs now. How do I fight this before a default judgment is made? I mean how can they lie to the court when you have to speak the whole truth at court?
Ted Boily

Houston, TX

#62 Aug 24, 2011
Fred Hanna & Associates are bad news but there are ways to keep them at bay.

But there are better unsecured credit cards available and even secured credit cards for those who don't have too much of a good credit. http://pnoy.me/as
John

Powder Springs, GA

#63 Aug 26, 2011
I just got slammed with a garnishment by Fred Hannah. That scum place only gave me notices, but never saw any paperwork of court duties, only afterwards.
I feel I have not much choice now, but they are killing my other responsibilities and I hope I can survive on the leftover.
I hope someone puts a foot on these flees.....
John

Powder Springs, GA

#64 Aug 26, 2011
Anyone willing to setup a class law suit up against them??
someone else

Elmwood Park, IL

#65 Sep 29, 2011
someone wrote:
<quoted text>Fred Hanna may only be licensed in those 4 states ,however this is not true that he can only act as a collection agency in those states he is not licensed in.Fred does have several attorneys in every state throughout the US so he can sue you in whatever state you are in.
well, it is well and fine that they are licensed attorneys, but in Illinois 7th circuit ruled recently that you need to be a licensed and registered collection agency, not just a licensed attorney, if you are going to go after junk debt. Else, you must sue in the original creditors name, and have a contract proving the representation.

They have been getting away with being "just attorneys" for some time now - but the courts (and the debtors) are getting wiser.
Lisa

Mcdonough, GA

#66 Oct 9, 2011
gaboy wrote:
<quoted text>Hi i would love chat with you about your case. they have a habit of not serving people and saying they have.
I would like to chat with you also and tell you my situation how can I reach you?
fedupj

United States

#67 Oct 9, 2011
gaboy wrote:
hello I Would love to hear from all of those who have had dealings with Hanna and they stated they were served papers or any sort and had not been served.
Yes in 2010 as a continuing Garnishment with no notice until after my bank acct was frozen.
FightBack

Lithia Springs, GA

#69 Dec 8, 2011
How did you lose? Did you go to court? I was under the impression that if you answer their claim, and actually go to court willing to fight, that they (Hanna) usually voluntarily dismisses the case. Did they stick around and actually fight you on this one, or did you no-show at the court date? I'm in a similar situation right now...about to answer...and was hoping for the dismissal. Mine's also a relatively low amount...$1300. Thanks.
self emploiyed mom wrote:
Fred Hanna came after me representing Capital One over $1100 balance on a card. They racked up interest, fees, attorney costs and court costs to $3500. After 6 months, they filed a Motion for Summary Judgement in Dec 2009. We answered same and still lost (found out in May 2010). I now owe Capital One/Fred Hanna, the $2500 more than what was originally owed. I was told they pursued my low amount because that was the only card I defaulted on in the many years of having credit. My credit score is average and I pay bills on time. This Capital One card was zombie debt left over from an extended period of unemployment. I hope Capital One gets what they deserve and especially hope that Fred Hanna goes out of business and then goes to prison.

Since: Dec 11

Owensboro, KY

#70 Dec 30, 2011
I was sued by Capital One a couple of years ago. I defended my in court and was able to settle for a fraction of the original amount on my terms. See http://www.doityourselflegalsource.com
Indebt1

Atlanta, GA

#71 Jan 18, 2012
FightBack wrote:
How did you lose? Did you go to court? I was under the impression that if you answer their claim, and actually go to court willing to fight, that they (Hanna) usually voluntarily dismisses the case. Did they stick around and actually fight you on this one, or did you no-show at the court date? I'm in a similar situation right now...about to answer...and was hoping for the dismissal. Mine's also a relatively low amount...$1300. Thanks.
<quoted text>
I was sued last month and I am a collections paralegal ironically...I am fighting it - they did not have documentation of anything.....but.....in the redneck backwood magistrate court of Carroll County Georgia...they will give these bottom feeders infinite time to come up with their docs....which would not be allowed in any other county court. We have passed two mediation dates now and Hanna still has no docs to prove their case...but the mediator keeps extending their time. Its very frustrating....In any other court in Georgia, the judge would have scolded them or dismissed this case based on lack of evidence, which is usually what happens with Hanna cases. I am dumbfounded at the way Carroll County is handling this case. I was actually told by the court appointed mediator that she has put the case on hold and that Hanna will call her office when they can find evidence to prove their case - that was filed a YEAR ago. So, don't take it for granted that your case will be dismissed. Apparently some counties have a "Can't prove your case today? Its ok, take all the time you need..." policy. Ok - vented - good luck to you.

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