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wolfjohn
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Subject: exempt income and specified bank accounts an money order onl
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Thu Jan 21, 2010 1:02 am
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| social security? Gov pensions? freeze your account and use money orders on it? all these are possibilitities for deb; there is a US Gov form letter you can get anywhere to stop all calls |
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pat
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Subject: credit card
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Fri Jan 22, 2010 9:57 pm
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my wife 5 years ago had a outstanding debt on credit card.. The debt was $20,000 and a crewing intrest.. No way we could pay that amount..two years ago a lawyer sent us a letter working
for a collection agency asking for money.. We never replied and didn't hear anything two years and now yesterday we received another letter from the same lawyer.. He said. the courts had closed the case by mistake.. And now they want to re-open...
They said they would settle for $4,500.. Since then my wife has
another credit card and is on a house loan...Do they have a case
since the court closed it already.. Should we pay the $4,500 or try to low ball them... I have since homesteaded or house.. little worried.. but also dont want them to garnish her wages... I think
we might pay the amount ... or should we? |
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Joe O
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Subject: credit card debt
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Mon Jan 25, 2010 2:38 am
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| Live in NJ,I have my SS and 3 small pensions,can they levy my pensions |
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Julie
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Mon Jan 25, 2010 10:18 pm
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| Does anyone know that if a judgement for credit card debt is issued in NY,can your tax refund be garnished? |
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melyoplace
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Subject: Garnishment on a credit card judgement
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Tue Jan 26, 2010 5:37 am
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| I have a credit card judgement from the court however I have recently filed bankruptcy since my household income has dropped 50% due to my wife taking disability and not sure when she will return to work. This is an old debt of roughly 4 years. Will the bankruptcy protect me from any wage garnishment? I live in Philadelphia? |
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abul mia
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Subject: bad collection report
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Tue Jan 26, 2010 11:32 pm
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| can bad collection report stop my stdent loan approval? |
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abul mia
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Subject: credit card loan
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Tue Jan 26, 2010 11:45 pm
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| the first creditor failed to validate the debt and now they sent that debt to a collection agency . now I want to know if I have to pay that debt or if they will mess my credit report |
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freddy1
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Subject: summons
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Sun Jan 31, 2010 3:34 am
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| I received a summon this past week for a credit card bill which I was forced to default on. I have been enrolled for a year making my escrow payment every month and my total enrollment is for for 40 months to pay off my credit card debt. The attorney for the creditor said i had ignored all contact and refused to pay on my bill. My attorney that i am enrolled in contacted the credit card company that they had the power of attorney and everything was sent to them. I owed them $13,500 and last april the creditor call my lawyer and offered a settlement for $4500 and I did not have enough in escrow. What should I do. I have all intentions to pay this debt. |
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Justin
Joined: 17 Jul 2006
Justin's page
Posts: 1240
28942 Magic Points
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Subject: summons
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Mon Feb 01, 2010 10:26 am
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Hi Freddy,
First you will have to answer to the summons. You also need to contact the creditor and make them understand that you want to pay the debt. Explain that last year your financial situation was bad,so you were unable to pay the debt. Request them to settle for a lower amount if you still have problems. However you can do all these with the help of your attorney.
_________________
All the Best 
Justin |
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Tom Talor
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Subject: Pa credit card judgements
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Tue Feb 02, 2010 4:13 pm
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| If a credit card company gets judgement against you in pennsylvania what can they do to collect the judgements? Can my personal property be sold ? |
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Kate
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Subject: To Pat
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Tue Feb 02, 2010 7:14 pm
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| Pat- Do not agree to anything or pay a dime until you make them validate this debt because it could be past the Statute of limitations in your state. If you pay anything at all, it will restart all over again. Send this lawyer a certified letter return receipt and demand that they send validation of debt. Under the FDCPA they have to provide this and if they fail to send it, and try to sue, it can be dismissed for failure to provide validation, which is a violation of the FDCPA. If it is past the SOL, it can be dismissed for that reason. The lawyer is probably hoping that you will just agree to pay on it for that amt. because he knows that if he tried to sue you, it would be dismissed. Do not acknowledge the debt or pay a dime until it is validated and you find out if the SOL is expired. |
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Justin
Joined: 17 Jul 2006
Justin's page
Posts: 1240
28942 Magic Points
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Subject: reply to pa credit judgements
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Wed Feb 03, 2010 7:19 am
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Hi Tom,
Are you and netdog the same person? I find that same question has been asked in that name. If it is you can check the answer from http://www.creditmagic.org/repair/about9836.html
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All the Best
Justin |
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cinnamngrl
Joined: 01 Nov 2008
cinnamngrl's page
Posts: 1455
6339 Magic Points
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Wed Feb 03, 2010 11:22 am
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| Quote: |
Judgment is a public record which cannot be removed from your credit report before seven years. However, if you think that you do not owe the debt and file a motion to vacate a judgment, and your judgment is vacated, then only you can get a judgment removed from the credit report. A judgment in your credit report may lower your credit score by as much as 100 points and sometimes even more.
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the amount of time that judgment can be on your report depends on your state. It is usually longer than 7 years. the big issue is that the creditor can go to court to renew the judgment, and that means it can stay there practically for ever. You can dispute these accounts with the CRAs and you can go to court and fight to have the judgment vacated, but it is challenging. Judgments are the toughest negatives and I would advise avoiding it at all costs.
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CMRRR Templates
How to PFD, OPT-out, Complain, etc
All credit articles at EHOW |
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Screw the greedy banks
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Thu Feb 04, 2010 8:47 am
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"Does anyone know that if a judgement for credit card debt is issued in NY,can your tax refund be garnished?"
No they can't .. only the government can garnish your tax refund |
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Screw the greedy banks
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Thu Feb 04, 2010 8:58 am
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Here's a tip for all the people who's afraid of wager garnishment.
Don't let them know where u work!
Change bank accounts!
They can't collect what they can't find!
Don't talk to those assholes ... the more u talk the more info they get about u.
U either pay or u don't ... u have a choice! What are they going to do to u? Kill u ...hahahaha Think people. It's all scared tatics. Your credit is already screwed. Live on cash! U'll be wiser with your spending. |
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