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  1. Question: Not sure what to do

    by bretb
    Answers
    22
    Views
    2,348

    Unfortunately, the scavenger collectors will also...

    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...
  2. Answers
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    4,158

    Huh? What? What does that say? Hmm!...

    Huh? What? What does that say?


    Hmm! Duh... maybe he's right :confused:
  3. Answers
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    4,158

    Good point. Credit card companies get rich by...

    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...
  4. Answers
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    4,158

    ScottGem, Collectors have an attorney on...

    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...
  5. Answers
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    4,158

    Nikki, Let's also keep this in order though as...

    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...
  6. Answers
    27
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    4,158

    They claim you didn't answer "their" demand? Are...

    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...
  7. Answers
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    4,158

    MOST of the time. I repeat... MOST of the time,...

    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...
  8. Answers
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    4,158

    I think it's probably note worthy to point out...

    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...
  9. Answers
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    4,158

    There's not a lot that can be done for UNsecured...

    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...
  10. Question: Not sure what to do

    by bretb
    Answers
    22
    Views
    2,348

    Well, I wouldn't feel bad about it then if you...

    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...
  11. Answers
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    4,158

    Hmmm. You got me there. Have you tried to...

    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...
  12. Question: Discharge Time

    by bretb
    Answers
    1
    Views
    542

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

    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...
  13. Question: Not sure what to do

    by bretb
    Answers
    22
    Views
    2,348

    Live and Learn is right, but remember, that's...

    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. :) ...
  14. Question: Not sure what to do

    by bretb
    Answers
    22
    Views
    2,348

    Well, you may want to get some more opinions on...

    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...
  15. Answers
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    1,290

    Well, companies charge to do the leg work. If...

    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...
  16. Answers
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    4,158

    LOL, you're not bothering us. We're here to help...

    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,...
  17. Question: Not sure what to do

    by bretb
    Answers
    22
    Views
    2,348

    My advice... Do NOT do it! Be tough. Pay...

    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...
  18. Question: Frozen bank account

    by bretb
    Answers
    23
    Views
    10,601

    Yes, that's pretty standard. Like ScottGem...

    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...
  19. Question: Frozen bank account

    by bretb
    Answers
    23
    Views
    10,601

    I'd still try to file an 'answer' with the court....

    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...
  20. Question: Frozen bank account

    by bretb
    Answers
    23
    Views
    10,601

    Actually, ScottGem, you're probably right. I...

    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...
  21. Question: Frozen bank account

    by bretb
    Answers
    23
    Views
    10,601

    Well, this is pretty much what I stated. When...

    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...
  22. Answers
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    859

    I have to agree. Remember who you owed the money...

    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...
  23. Answers
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    3,617

    I wouldn't contact an attorney unless you have...

    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...
  24. Answers
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    1,894

    You raise a good point... If you don't have...

    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...
  25. Answers
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    745

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

    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...
  26. Answers
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    Sorry to hear that. I learned the hard way that...

    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...
  27. Answers
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    I'm not sure what advice to give you on giving...

    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...
  28. Answers
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    What they filed with the court against you is a...

    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...
  29. LOL... those crazy idiots. If the summons is to...

    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...
  30. Question: Frozen bank account

    by bretb
    Answers
    23
    Views
    10,601

    Hmmm... Well, they cannot do anything to...

    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...
  31. Answers
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    They can't take your car if you don't own it. ...

    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...
  32. Answers
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    You ARE correct. I have been sued TWICE by...

    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...
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