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Subject: Disabled person with credit card debt
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Tue Mar 24, 2009 8:14 pm
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I have been disabled for the past 5+ years, and unable to work due to my health issues. Last year I stopped paying my credit card bills. I owe about 20k in total to various companies. I do not own a house, vehicle, or anything of much value. My only source of income is Public Aid/SSI/Food Stamps. I live with a roommate and pay rent and living expenses, which pretty much leaves me with nothing extra.
It appears now that I'm about to be sued by one of my credit card companies. In fact, it is one of the companies to whom I owe the least amount of money. The only letter I received so far is a Notice of Motion. They are trying to get the judge to make a "motion to post" because due to my disability I have not been able to answer the door so far when they have come to serve me with papers.
I thought about filing bankruptcy, but can't really afford to. What can they do to me? What should my next step be?
My other question for now is, should I send a letter to respond to the law firm right now? Or would it be better for me to wait and send it after they go to court to get the "motion to post" and then they leave me with the official summons?
Thank you for any assistance you can provide for me. |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1362
Location: Los Angeles, California
29592 Magic Points
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Wed Mar 25, 2009 7:13 am
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What I think is that, if you cannot afford to pay off the debt, you need to wait for the creditor or the collection agency to take action first. All that they can do is to sue you to the court and bring judgment against you either to garnish your wage or your bank account. Now, since ss benefit can never be garnished for credit card debt, you need not worry about that. All that they can do is to garnish your bank account so that whenever any money comes into your account, it gets automatically debited by the bank and deposited with the creditor. To stop garnishment of your bank account, you need to inform the bank in writing that the money that gets credited into your account is your social security benefit.
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Concerned your not alone
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Subject: disabled person with credit card debt
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Sat Aug 15, 2009 6:20 pm
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| I am suprised that they are coming to your house to serve to serve you papers I have had stopped paying on my debt. of course they are not as high, but I got letters of action, but it all went into bad credit no on came to my door. Your roommate could tell them you moved couldnt he. |
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freddie
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Subject: garnishment of retirment
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Mon Sep 21, 2009 9:07 pm
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| You said retirements can be ganish if it is deposited to saving account, how about if deposited to checking account? |
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sunnyca
Joined: 10 Sep 2009
sunnyca's page
Posts: 150
952 Magic Points
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Thu Sep 24, 2009 5:18 am
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freddie
Retirment money cannot eb garnished. That is the reson you need to inform you bank that the money gettign deposited in your accoutn is retirment money |
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