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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 Aug 26, 2009 7:24 am
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Hi tfudger
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| How long can they continue to harass me? |
As long as they don't get you to pay the debt. No, seriously, are you sure you owe them as much money they are demanding off you? If not send them a validation letter. If they validate the debt, then maybe you could try and get in to a settlement plan with them (if, they agree at all). Make them a decent offer and negotiate well. Usually companies do not want to agree to these kinds of settlements but you never know...
To stop them from calling you continuously you could send them a cease and desist letter. You will find a sample here
http://www.creditmagic.org/repair/cease-desist-letter.html
Don't forget the DV letter if you haven't sent them yet.
I can also give you a sample for the same right here
http://www.creditmagic.org/repair/sampleletter-debtvalidation.html
_________________
Keep in touch
Carol |
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pat s
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Subject: judgement on credit card
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Tue Sep 08, 2009 9:12 pm
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| can a company take your house for a credit card judgement in the state of pa? what happens if u really have no money to re-pay the judgements? |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
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Wed Sep 09, 2009 1:42 am
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no, but they can have a sheriffs sale, you can contact your local sheriff or your local magistrate to find out what could happen next. Nothing worse than not knowing.
Calling to get information does not indicate guilt. |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Wed Sep 09, 2009 5:52 pm
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| I have neer heard of sherriff saling in PA for credit card debt. I would believe that they could but wouldn't they have to go through the court system for something like that to take place? I would have to believe there would be a colurt date set so that the debtor could place his say in on the situation and then a decision be made form there. How does it work? |
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kc
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Subject: how to stop garnishment after a judment
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Tue Sep 15, 2009 4:11 am
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| i had a judgement placed agaist me in 2001 for a credit card they got a judment against me and now 8 years later a new law firm has picked it up and is trying to collect the debt and apply 8 years of intrest how do i stop this and stop them from garnishing my check |
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daniel reyes
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Subject: money from bank accts
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Sat Sep 19, 2009 4:23 pm
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| can creditors take money from bank accts in texas |
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Connie
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Subject: Garnmishing
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Sun Oct 11, 2009 12:17 am
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| Can my bank account be garnished if the only deposit is my husband and my social security disability checks? My son passed away at 36 and had no insurance. We lived with him. When he passed we were left homeless and lived in our car for 9 months while trying to get help in maryland. We sold some of his things and took what savings we had to bury him. We paid it all but $900. We finally decided to move to Texas where we could afford to get a place and get help. We still barely make it. Now the funeral home has a lawyer who got a judgement against us and has filed Writ of garnishment of property other than wages --what does that mean and what can they do? They actually filed it on my Old Bank in Md--there's nothing there. Can they now file where I am in Tx. |
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izzymt
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Subject: creditcard garnishneht
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Sun Oct 11, 2009 2:38 am
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| In Mt can your house or car be taken if you still on them?I already have a wage garnishment and my bank account taken. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
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Sun Oct 11, 2009 4:18 am
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Connie,
They can file anywhere they want to, however you will have to look up the garnishment laws in Texas to see if they can actually take anything. I know here in Pennsylvania they can only garnish your wages for child support and taxes.
So look up the garnishment laws for Texas, you should be able to find them by googling it. |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Mon Oct 12, 2009 1:13 am
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A good route, for the ones who had asked previously in this post, to get a collector to stop calling is to send an SOL expiry letter to them certified mail. You must be sure that your credit card debt is past the Statute of Limitations. You can also send a cease and desist letter.
Now be sure this will only stop then in the mean time. Once you do send out these letters you can be sure it will be sold and past on to the next junk debt collector. No telling when it will stop. I guess maybe some debts just "age out" and become not worth collecting anymore. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
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Mon Oct 12, 2009 1:44 am
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| Make sure that you send the debt validation letter first and give them time to respond before you send the cease and desist letter, other wise they will not respond with the debt validation and that could work in your favor. |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Tue Oct 13, 2009 10:20 am
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| Good point good natured. A lot of people send out debt validation letters and forget to add a time period for which they would like a response. If you simply send out a letter and do not list a time frame collection agencies could put off validating the debt. My advise would be to add a reasonable time frame in the letter. It has to be a period in which they would have time to respond. Try giving them 30 days. There are good sample letter available here at this forum under letters of credit if anyone is interested. |
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don
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Subject: california credit card judment
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Sun Oct 25, 2009 7:34 pm
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| in california can a credit card comp. place a judgment against your wages if you are on commission and rec. your money spiratically and can your bank account be placed on freeze and can they take your car if it is paid off. also, if you are in this position due to health issues like cancer can they till take your ssd |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 4007
1224 Magic Points
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Mon Oct 26, 2009 12:06 am
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| Too many times they go simply ignored if you don't send them certified mail, return reciept requested or they will say they did not recieve them. When you send it this way then they have no way of ignoring it or acting like they did not recieve it. |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4500
8812 Magic Points
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Mon Oct 26, 2009 1:17 pm
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| DON, Hello and welcome to the forum. I do not believe they can attach any form of social security in any state. Before they can attach anything else they must have a judgment to do so. This is when you would have to appear in court in front of a judge. If the judge is aware that your only source of income is from Social security disability then he could still pass a judgment but they would not be allowed to take any money from your bank account that was given to you by SSD. I also believe that if your one vehicle is your sole form of transporrtation they can not take that either. |
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