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About kc814

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  1. I live in PA and I've seen many people say that they cannot garnish my wages. If they do haul me into court for proof of income and assets, they'll be sorely disappointed. I have nothing to my name except my job and a car that is leased with my husband. Will his income and assets count?? This debt was incurred long before I was married. EDIT: found this: Only under very limited circumstances does Pennsylvania law permit the garnishment of wages. Garnishment of wages is a seizure of wages while they are still in the control of the employer, and have not yet been paid out to the employee. An
  2. I do have questions now though: I received the notice of judgment/transcription from the district court. What happens now? Will I be contacted by an Asset representative regarding payment? Will they set a minimum payment?
  3. It would have been very nice if I had had more time to prepare or ask more questions. This actually all came about very suddenly. I may or may not have gotten any mail from Asset in the past. I don't know because if it looked like junk, I threw it away without opening. Out of the blue, I received a certified letter saying they were suing me in district court. The date was only a few weeks away. I'm away from home 11 hours a day, 7-8 days in a row plus have a young child to care for. Doesn't leave a whole lot of free time but I did spend as much time as I could reading Q & A on here and re
  4. And the magistrate knew I was objecting because he turned to the lawyer and said "Miss Cxxxx is objecting to these documents...." It was all pretty informal.
  5. It was just a magistrate. This trial took place in district court. Debating whether I should bother appealing the decision and taking it to court of common pleas.
  6. I will be calling a hotline provided by my employer. I am entitled to a free 30 minute consultation with a lawyer. I will see if it's even worth it to appeal and if so, if I should get a lawyer to represent me at the court of common pleas trial.
  7. thanks for the info. checked out the links above. the legal aid provider it keeps referring me to goes by income guidelines, which I exceed. It's also the same office Asset decided to hire to represent them at the District Court hearing.
  8. BEWARE - Even with crappy lawyers, they're still getting better! My civil hearing was today. As the title states, I lost. I was unrepresented, as I could not afford a lawyer. Asset hired a local lawyer who was not well prepared. When the magistrate asked questions, she would say she did not know or did not have the requested information. She had obviously not studied the papers she did have because she was just as confused as I was AND didn't even realize there were 2 separate bills of sale until I started to question ownership. She started off by showing me a copy of a Dell/Citibank (
  9. UPDATE: had my civil court hearing today and.......I fought hard, but the magistrate ruled in favor of Asset. :/
  10. It's too late to request validation, but could I still attempt to make them prove standing? Or is that basically the same thing as validation?
  11. 1. Who is the named plaintiff in the suit? Asset Acceptance, LLC. 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Fulton Friedman & Gullace, LLP 3. How much are you being sued for? over $3,000 4. Who is the original creditor? (if not the Plaintiff) DELL 5. How do you know you are being sued? (You were served, right?) Served 6. How were you served? (Mail, In person, Notice on door) mail 7. Was the service legal as required by your state? Yes 8. What was your correspondence (if any) with the people suing you before you think you