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Type: Posts; User: DownUnder

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  1. Answers
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    292

    You should be able to get a copy from the court...

    You should be able to get a copy from the court but there will most likely be a small fee for this.
    Always best to keep important papers in a safe place.
  2. Are you asking can you can cash that check at...

    Are you asking can you can cash that check at B.O.A. Do you have another account at another bank?
  3. Be careful and DO not give out any personal...

    Be careful and DO not give out any personal information such as social security numbers ets. As noted above they could be fishing.
  4. Why did you not try to make payment arragements...

    Why did you not try to make payment arragements before it went to court? Did you get calls and letters did you ignore them? I agree with Smoothy. You owe it and now that it is gone this far they have...
  5. Well lets see you owe it and they want it. Plain...

    Well lets see you owe it and they want it. Plain and simple. Charge off is just an accounting term . The debt is sold to collectors for pennies on the dollars. First you will receive calls and...
  6. Sounds like you got a judgement,and at this point...

    Sounds like you got a judgement,and at this point there is little you can do but pay it. The judge does not care if you can't pay it or not. Did you try to work out a payment plan prior to the court...
  7. Answers
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    490

    How would we know? Have you been to your meeting...

    How would we know? Have you been to your meeting of creditors?
    Please provide us with more information
  8. Question: Life estate

    by DownUnder
    Answers
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    322

    Life estate

    OK guys

    Got to another question for you experts out there. I was asked this question and could not answer it. If a house is gifted to someone with living rights and the person who is gifting it to...
  9. Answers
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    533

    Why would you ask that question under banking?...

    Why would you ask that question under banking? But why not take it and have it appraised?
  10. You show up at the court date,if you don't then...

    You show up at the court date,if you don't then the creditor will get a default judgement and then your troubles will really begin. Have you not tried to work out a payment plan? Why did you let it...
  11. Question: Bankruptcy

    by DownUnder
    Answers
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    464

    Who's name was on the house? Did you co sign the...

    Who's name was on the house? Did you co sign the loan?
  12. Answers
    3
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    1,692

    I am very surprised that some one could just call...

    I am very surprised that some one could just call up a bank and change the information with out verfiying who they are talking to. I am asked some questions when I call that only I would know so that...
  13. Answers
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    840

    Greed,Greed and more greed! Remember the love of...

    Greed,Greed and more greed! Remember the love of money is the root of all evil!
  14. Question: Close out IRA

    by DownUnder
    Answers
    6
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    3,171

    Did you not read what ebaines wrote? Excellent...

    Did you not read what ebaines wrote? Excellent and correct information was given if you would read it. Stop posting the same question over and over again!
  15. Answers
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    332

    You need to speak with an attorney

    You need to speak with an attorney
  16. Have you checked the courts to make sure you have...

    Have you checked the courts to make sure you have a judgement? If you don't they could be blowing smoke and trying to get you to pay anyway they can. Check your courts and see IF they have a...
  17. How long ago did you file?

    How long ago did you file?
  18. Answers
    3
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    389

    You will have to take a means test to see if you...

    You will have to take a means test to see if you qualify for chapter 7 or 13,you will also be required to take a credit counseling class. These are part of the new bankrupty laws that took effect a...
  19. Question: Levy on account

    by DownUnder
    Answers
    4
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    331

    As Scott said you can try to make payment...

    As Scott said you can try to make payment arragments, but since they got a judgement they may not want a payment plan. Did you think this debt would just go away? And why did you wait until you got a...
  20. Answers
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    8,207

    Hello hrushka13 Something is not sounding...

    Hello hrushka13

    Something is not sounding right about this. If it happened like you said it did and IF you followed the proper procedures the money would have been put back.plain and simple.
  21. Answers
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    265

    If you owe it then morally you should try to pay...

    If you owe it then morally you should try to pay it. Have you tried to work out a payment plan? Have you not received letters and calls? I don't know about wage garnishments in TX but they can...
  22. The first thing you should do is talk with a bk...

    The first thing you should do is talk with a bk attorney. The laws were changed a few years ago and you have to see if you qualify for chp 7 or 13.You will have to take a credit counsleing class and...
  23. Answers
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    305

    A judgement will stay on your credit report for...

    A judgement will stay on your credit report for at least 10 years. They can do wage garnishments if your state allows and attach your bank accounts until it is paid off
  24. Answers
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    249

    I am not aware of any programs except debt relief...

    I am not aware of any programs except debt relief companies and those I would stay away from. What they tell you they could do for you such as reduce your payments and such you can do yourself. Have...
  25. Question: Do I have 401k

    by DownUnder
    Answers
    2
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    263

    How in the world would we know? You would know...

    How in the world would we know?
    You would know if you worked and signed up for one at your place of work.
  26. Are you asking about a default judgement or what?

    Are you asking about a default judgement or what?
  27. Your accounts will be garnished until your debt...

    Your accounts will be garnished until your debt is satisfied and Judements can stay on your credit report any where from 10 years and some are renewed if the debt is not paid in full
  28. If you have a writ for the account where you have...

    If you have a writ for the account where you have parked your money, then all checks will bounce if the account is cleaned out by the judgement that also means any automatic deductions like car...
  29. The only way you will be able to pay that loan...

    The only way you will be able to pay that loan payment is going to be with cash that you have on you. Your account is frozen and as excon said above you will just be adding up some charges when it...
  30. Question: Banking info

    by DownUnder
    Answers
    3
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    394

    I agree Fr_Chuck, I also can go to my bank and...

    I agree Fr_Chuck, I also can go to my bank and they know me by name. I also think it may have been against the privacy rules of that bank. If it was me that was talked to like that if front of...
  31. Question: Banking info

    by DownUnder
    Answers
    3
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    394

    Banking info

    Ok guys

    I need some help with this one. I am curious as to why a bank branch(bank is located in a grocery store) manager would yell down the aisle at this poor lady and tell her in front of...
  32. Answers
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    334

    Yes you will be responsible. And did you not...

    Yes you will be responsible. And did you not post this question earlier?
  33. Why would you think there is a case filed against...

    Why would you think there is a case filed against you? Are you talking about a civil summons or what? Be more specific with your question
  34. Answers
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    319

    Why not just take the money in the bank and work...

    Why not just take the money in the bank and work on paying them off? Every thing you own such as bank accounts, house, car etc. will come into play if you file bk.
  35. Are you saying that you have a judgement?

    Are you saying that you have a judgement?
  36. Answers
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    1,333

    If you lost the original papers that you received...

    If you lost the original papers that you received from your attorney after your discharge then there will be a small fee for a copy from the court or your attorney may supply you with another one...
  37. You might want to consult an attorney who...

    You might want to consult an attorney who specializes in Senior affairs. I know where I live we have several attoneys who do just that,they set up trusts, living rights in the home, etc
  38. Answers
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    976

    Please don't fall for this scam,or you will be...

    Please don't fall for this scam,or you will be sorry. This scam has been going around for years and yet people still fall for it. Don't be one of them.
  39. As for me, apology accepted.

    As for me, apology accepted.
  40. Sorry but that is an old myth, There is no money...

    Sorry but that is an old myth, There is no money for just being indian or even part Indian. Most will tell you that even living on an Indian reservation you are living below the poverty level
  41. Yes and they will wait and wait until you think...

    Yes and they will wait and wait until you think they have "forgot"and then out of the blue your wages will be garnished and your bank account levied.
  42. Answers
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    568

    Why should you be angry? The creditor is giving...

    Why should you be angry? The creditor is giving you notice that you would be served.How can say "they have already ruined your credit"?
    Did you not take out payday loans and agree to pay them back?
  43. Answers
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    As noted by Smoothy the debt will have to be...

    As noted by Smoothy the debt will have to be satisfied. The time to have dealt with this was before a judgement was issued. Now you will have to deal with it. They could care less who is head of...
  44. Ok first of all the creditor does not know that...

    Ok first of all the creditor does not know that your money is from ss. All they know is they have a court order from a judgement to seize any money in your account. It is your responsibility to prove...
  45. I am so so sorry for your lost. I like Judy am a...

    I am so so sorry for your lost. I like Judy am a widow. My husband passed a few years ago and we had been married 30 years. So I know the pain you are going through. Did the company you worked for...
  46. If you are living on $1100.00 a month then that...

    If you are living on $1100.00 a month then that is a lot better than what some people live on especially in the area I live in where we have the highest unemployment in our state. I know of people...
  47. Answers
    5
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    1,753

    Just thought by chance this person may not have...

    Just thought by chance this person may not have given all the information but was just asking about a photo as a start. You know some people go about asking questions in a strange way.
  48. Answers
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    1,753

    Judy is right,it will be near impossible,unless...

    Judy is right,it will be near impossible,unless you have some other kind of information and then that will depend on why you are trying to find them. Is it family? Does this person owe you money?...
  49. Are you saying you owe back state and federal...

    Are you saying you owe back state and federal taxes?
  50. If you are referring to credit card debt,the...

    If you are referring to credit card debt,the sol's vary from state to state.
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