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Unfortunately, the scavenger collectors will also be celebrating and toasting to your filing as well. It's too bad that they have to be victorious from your decision as well, as that's exactly what...

Huh? What? What does that say?


Hmm! Duh... maybe he's right :confused:

Good point. Credit card companies get rich by offering many offers of lines of credit to students that are just starting (building credit), but are also usually attending college and not only not...

ScottGem,

Collectors have an attorney on salary, yes, but not a court, or a judge. It COSTS them money to bring legal action (just as it would cost you or I for an attorney AND court costs). You...

Nikki,

Let's also keep this in order though as well.

FIRST: they have to sue you
SECOND: they have to show up in court and WIN to obtain a judgement (costly and time consuming) - Does NOT...

They claim you didn't answer "their" demand? Are they perhaps meaning you didn't file an 'answer' to a court filed 'complaint' that they filed? (in which case you may have a default judgement...

MOST of the time. I repeat... MOST of the time, they don't HAVE the proof. And hence the action of bring a lawsuit is additional "smoke and mirrors" to try to get you THINK that they have proof, as...

I think it's probably note worthy to point out that you're referring to the exception rather than the rule excon.

I'd venture a guess to say that perhaps 1 out of every 500 people would have to...

There's not a lot that can be done for UNsecured debt. "IF" they could cease bank account assets, the only way they would know the bank and account number is if you either gave it to them...

Well, I wouldn't feel bad about it then if you tried to work it out and they refused. If you don't have money to pay them, there's nothing to sue for. :)

Don't worry about that either. I've...

Hmmm. You got me there. Have you tried to Google it? I'm very curious now. I may need to check it out. I could venture a guess to say that perhaps the Sheriff comes out and tries to scare you...

I'm not sure I (personally) understand your question...

Is a letter for a discharged debt supposed to come to you from a court in Georgia? Should not take more than a few days. Can you clarify...

Live and Learn is right, but remember, that's what we're ALL doing (even though without financial trials). I'm pretty content my trials are financial and not health related or legal/criminal. :) ...

Well, you may want to get some more opinions on this. I think, that bankruptcy will make your credit MUCH worse. You say that you cannot ignore the collectors forever and that one day you'll HAVE...

Well, companies charge to do the leg work. If you don't want to look for them yourself. I recommend, if you know the county that the bankruptcy was filed in, see if the conty courthouse has a...

LOL, you're not bothering us. We're here to help and hopefully you'll return to relate your experience and help others. There's no bother. Imagine what good this forum would be if no one posted,...

My advice... Do NOT do it!

Be tough. Pay what you can and do not pay the rest. Everyone visiting this forum is dealing with the same problem. All bankruptcy does is keeps you from being...

Yes, that's pretty standard. Like ScottGem stated, the court doesn't want to set a court date (and fill up their calendar) unless they feel pretty sure that you're going to show up. Once you file...

I'd still try to file an 'answer' with the court. Even if it is past their 'deadline' the judge will make the decision on whether to accept your answer. The fun part is that he almost HAS to at...

Actually, ScottGem, you're probably right. I don't know for sure that technically is a hearing (as a hearing usually involves both parties). I guess I was making the point that the judgement only...

Well, this is pretty much what I stated. When the creditor takes their judgment and goes BACK to the court to use the judgment to request a court order from the judge, in many jurisdictions, the...

I have to agree. Remember who you owed the money to all along. If the original 'creditor' sold the debt and will not accept payment, work out some settlement with the scavengers if you wish, but I...

I wouldn't contact an attorney unless you have money to burn. Let them pay their attorneys if they want to sue you. I find it quite arrogant that they refused to settle. I'd tell them to stick it...

You raise a good point... If you don't have proof, I sure wouldn't pay the IRS for a cancelled debt that you're not sure you won't have to deal with later. Let the IRS let you know if it comes up as...

Try to DISPUTE them first. They may just go away.

Then, if there are any that don't, work out a settlement with the debt holder wherein they completely REMOVE the account from your report once...

Sorry to hear that. I learned the hard way that there are NO such thing as "good" debt settlement programs. You're better off working the stuff out yourself. Most creditors are pretty level...

I'm not sure what advice to give you on giving personal info to "strangers", but there's NO WAY in hell I would do it. I'd always try to contact the original creditor first and see if you can make...

What they filed with the court against you is a "complaint"

Now, you need to file in response is an "answer"

(remember the court is an unbiased mediator (lack of better term)... they're not on...

LOL... those crazy idiots. If the summons is to court, I'd be there. Never trust anything the scavengers tell you.

Contact the original creditor, ask if there is ANY WAY possible to repay your...

Hmmm...

Well, they cannot do anything to your husband if he is not a debtor to the account. Unless they have a judgement (not "pending") the bank will not do anything to your account. To be...

They can't take your car if you don't own it. Remember... they can't squeeze blood from a turnip. :) I've always loved that saying.

I just posted my experience of being sued twice by two...

You ARE correct.

I have been sued TWICE by collection agencies. Here's what you want to know.

1. Collection agencies (all of them) are scavengers.
2. They buy bad debts for pennies on the...