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catfish

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  1. RE: Find a bankruptcy lawyer who will take $100 down to start your case. You are then represented and can tell the collectors you now have a bankruptcy attorney and to speak with them. I will be looking tomorrow for a lawyer, is there any tips to tell if they are a good one? What is the average cost to file BK?
  2. Thanks for replying shellieh98 Here is a few more thoughts and questions: Has anyone here on this forum actually been in jail for credit card debt? no such this a debt prison. I thought they had to compel in court to get access to anything. Yes this is a judgment at this point i'm not sure if motion the court for a vacate of the judgement would even be worth doing. They would be doing me favor taking my car lol... but I think the cost to do this would be expensive from what I read about their fees to do this. So I have to supply copies of Documents for this Request to the CA? How is this not a privacy concern. This will show all my SS# and personal transactions from checking. How can I know if they will not miss use my information? This is a lot of paper to mail out what if was to get lost I could become a victim of ID theft I was reading Fla. 1.350 very confusing... So I need to send to the court and CA? The name of the court is on the front page for county but not the address The CA Attorneys address is on another page who is representing Judgment creditor (JC) but not JC address. BK 7 Don't I have to take a class on finance and debt prior to filing BK? I would be out of time as I have to get this returned document request back in 30 days. Should I file NOW for my exemptions below that FL provides? Debtors' Rights In Florida: Claiming Your Exemptions From JudgmentsYour Personal Property If you do not claim the homestead exemption described above, you have the right to claim a personal property exemption of up to $4,000 per person. Unless the judgment creditor has a lien or security interest in the property (for example a furniture loan) you can protect up to $4,000 of your personal belongings. Note that this exemption does not apply to child or spousal support debts. If you own more than $4,000 worth of personal property, you can choose which property to protect. The personal property can include money held in a bank account. Your Vehicle You can also claim an exemption of up to $1000 of the value of your vehicle under Florida law. This means that your vehicle cannot be taken to satisfy a judgment unless the value of the car, less all debts for which the vehicle is collateral, is greater than $1,000. If a judgment creditor or sheriff takes your vehicle under an execution and its value to you is less than the value that you claimed as exempt as above described, you can apply to the court for recognition of your exemption and request the return of your vehicle. Your affidavit of exemption should be filed with the court and the sheriff. Combining Exemptions You can combine the $1000 vehicle exemption, with the $4000 personal property exemption. In this case, for example, you would be able to claim a total exemption of $5000 for your vehicle.
  3. Please Help - I received this Aid Of Execution This PRODUCTION OF DOCUMENTS seems very invasive to my privacy, its as if they want me to do all the work in findings to force Judgment. This is a Fla. Civ. Court for a 2009 Credit Card default Judgment of $19,000 against me. I was never served or new about this so I assume they did a sewer service to an old address long after the postal forwarding service ended. I have nothing they can get as im a hardship living with family. No current job for past 5 years, no furniture or anything of value. my car is 15 years old and is falling apart. No savings or large retirement accounts. I had hardship withdraws many years ago so nothing much left. I'm living on a shoe-string. This might be time to go BK 7... don't really have the money to hire a BK Attorney. >> Some of these are very loaded demands for PRODUCTION OF DOCUMENTS. This is for Credit Card debt not a business. Question: Do I mail this just to the court? or Do I also mail this to the CA who sent this and is representing (Judgment Creditor has No Addrss given)? or All? by certified mail or signed return recept? Question: I need a little Help Answering as I'm unsure if using the word "None" is allowed or the word "Denied" or the words "Dose Not Apply" ? In other words if it do not apply to me at all do I leave it blank or what word is best to Answer so that there is no blank? I could used some ANSWER's found on this fourm that could apply. I'm guessing wording make a differance... Question: If I do not answer and return what will happen? Question: If I was to answer DENIED for all what would happen? I would really appreciate any help or suggestions. PLAINTIFF/JUDGMENT CREDITOR'S FIRST REQUEST FOR PRODUCTION OF DOCUMENTS IN AID OF EXECUTION TO DEFENDANT/JUDGMENT DEBTOR Fla. 1.350 Personal Documents To Produce 1) For each stock brokerage, annuity, IRA, 401K account which you have had within the past 40 months Statements for past 36 months Cancelled checks for past 36 months Records of Deposits and transfers for past 36 months ANSWER: Objection on the grounds that it is personal, confidential, and private. Without waiving objection defendant states this request is overly broad, unduly burdensom, and out of the contorl and custody of the defendant. Plaintiff has provided no evidence sufficient to overcome Defendant’s privacy interests. or this one ANSWER: Objection: relevancy, plaintiff is not seeking punitive damages, discovery of defendants financial information is inappropriate post judgment. Information sought is not likely to lead to any relevant facts pertaining to the plaintiffs claim. 2) For each bank, credit union and loan account which you or your spouse have within the past 40 months: Statements for past 36 months Checkbooks covering 36 months Cancelled checks for past 36 months ANSWER: Objection on the grounds that it is personal, confidential, and private. Without waiving objection defendant states this request is overly broad, unduly burdensom, and out of the contorl and custody of the defendant. Plaintiff has provided no evidence sufficient to overcome Defendant’s privacy interests. or this one ANSWER: Objection: relevancy, plaintiff is not seeking punitive damages, discovery of defendants financial information is inappropriate post judgment. Information sought is not likely to lead to any relevant facts pertaining to the plaintiffs claim. 3) For each Trust wherein you now are, or within 60 months where trustor, trustee, executor, beneficiary for alternate of either All documents evidencing the trust's formation, funding, beneficiaries, recordation, property or money transferred to the trust any person or entity or form from the trust to any person or entity ANSWER: None 4) For each safe deposit box which you had within the past 120 months Box agreement, bills for box rent, documents evidencing content of box List of things removed from box since date of this judgment ANSWER: None 5)All documents dating within the past 40 months relating in any way to: Non employment income and or payments to you from any source Employment and income from employment Business activities of any kind Gifts, transfers and donatons from any source or that you have made Property and money obtained, lent, borrowed, invested, sold. lost or abandoned Insurance polilies you hold or have held within past 36 months for home, business, vehicles, life insurance policies, and other insurance policies now in force, orin force within past 12 months Any transfers exceeding $500 in value you have made to a third person within the past 60 months ANSWER: Objection on the grounds that it is personal, confidential, and private. This interrogatory would result in the disclosure of information where such disclosure would violate the privacy rights of the defendant. Plaintiff has provided no evidence sufficient to overcome Defendant’s privacy interests. 6) Tax Federal and State Income tax retuns for the past 60 months for you and your spouse all pages, all attachments, all supporting documents. ANSWER: None Filed, Unemployed for last 5 years, live with and supported by Family 7) Property or money that you have immediate or contingent rights to which may be in the hands of others including: money or Property owed to you by any one Judgments or suits you have filed or filed against you Credit Applied for Loans and Mortgages obtained or paid Refinancing of loans and Mortgages Insurance Claims pending ANSWER: None side note there could be other judgments against me??? 8) Documents evidencing life insurance, annuity, and/or pensions ANSWER: Objection on the grounds that it is personal, confidential, and private. This interrogatory would result in the disclosure of information where such disclosure would violate the privacy rights of the defendant. Plaintiff has provided no evidence sufficient to overcome Defendant’s privacy interests. 9) Vehicles - all documents evidencing Vehicles, RV's, planes or boats owned, purchased, rented, gifted, leased or sold within past 60 months ANSWER: Denied or ANSWER: just give make model and year of Vehicle 10) Receipts, warranties for all consumer goods valued over $250 purchased within the past 36 months ANSWER: None 11) All deeds you have executed within that past 60 months ANSWER: None 12) All deeds you have executed wholly or partly in your favor within the past 60 months ANSWER: None
  4. Kendra, That's what I would do... It would seen that you where not properly served... check with your state on proper procedures. Ouch, Bank account has been froze doesn't seem wright. I wounder if they can freeze Pre-Paid visa cards and Paypal accounts as well... do you know I'm looking for options in cass this happens to me.
  5. Just curious, Where you served a summons? if so... I was wondering if it was mailed certified and you signed for it or they came to your house or work and served you?
  6. Curious question? If I use my Visa Check Card to buy the(Equifax Gold $99 credit report package) online, will the CA's be able to locate me at the address connected to this card Will this address then be noted as my address Do these type of Debit Visa's show up on credit reports I already have an account with Equifax but it is my old address on file and I live with a friend...All my mail goes to a PO Box for the last two years and that is my address. It seems that I only need to find a way to pay for the report, I have no Credit Cards anymore.
  7. I assume you watched this FrontLine special... here it is, it was on Frontline. You can watch it on windows media player... add www. to the front: pbs.org/wgbh/pages/frontline/shows/credit/view/ Watch section Three first and be ready to fall of your chair
  8. Yes, that is exactly what was on that " An inside Look at the Credit card Industry" on the CBC channel...I think it was put together by the PBS station. you could probably look it up. here it is, it was on Frontline. You can watch it on windows media player... pbs.org/wgbh/pages/frontline/shows/credit/view/ add www. to the front of it or copy paist in address Watch section Three first and be ready to fall of your chair
  9. LadynRed That's the way I see it to So one can assume that the CC industry will crush are Economy because If you get in the trap (just about everyone) and can't pay off you could possibly : 1. lose your JOB less money for the Economy 2. have a very hard time getting hired ...most companies pull CC reports these days (should be illegal does not show your skills) 3. lose your living status (Homes, family, friends, loved ones)... 4. and so the Gap widens between the Wealthy and the poor, middle class is fading away (might just about be gone) 5. You can fill it in from here... Oh well, its humble being poor they say.
  10. Thanks KentWA for your words of inspiration I really think the Credit Card system is nothing more than a shell game, they are able to change the rules at will and due you in for no reasons. All CC issued by Banks are nothing more than a Loan Shark loans... I saw a inside look at the CC industry on (CBC) Canadian Broadcasting Channel, which pretty much shows how they are surgically identifying peoples ability to pay...and if your getting to deep they up your interest rates. This is really wrong because you might have had a 8% when you bought something and they decide to change your rate to 19% and this will be charged on any past revolving balances. How are government can allow this, they are causing millions to go bankrupt...what a scam. I had a FICO score of >> 720 2 years ago and now because of the economy and job loss I have a score of >> 520 I really don't see how I can ever recover in my Life Time from the CC SCAM industry...If I land a new JOB (just over broke) which will be at a lot lower pay with this new world economy... how long before they start attacking my wages? With the New law coming in there really is going to be no way for anyone to shake them from your past...I have seen several of my friends file BK and have lost there homes... 8) are the only answers S. Ormans had a special on CBC, funny how all these programs are not on the local channels??? She was at a college forum and was recommending the college use there CC to finance them selfs while taking low paying entry level jobs and to work 60 hours a week, be early..stay late...get noticed...for the bigger salary? Like what are the odds of that? Your lucky if you have a job and they can afford to pay you period. What a pipe dream she's promoting. college graduates are already in debt up there gazuba in college loans and the average CC is 20,000 when graduation comes as well. Lets face it there probably 30 fighting for the 1 job in there field... So her plan is riskier then playing the lotto, millions will lose to this type of malarkey. I would like to see the CC industry brought to there knees. Venting Catfish
  11. I don't even have the funds to file bankruptcy... my checking account never has more than 200 in so that would be the most they could get... I really don't have much of anything to get. I saw on TV that the new laws where even if you file bankruptcy they could still make you pay a portion of that debt back over time (5yrs) or so... this is that new law your talking about. Why file then? My point is should I just not pick up any certified letter because if I sign for it them something could start against me What to do, it is so confusing at this point They only have my PO BOX address so they have know idea where to mail it to a home address unless they do a public search, I guess. There certified letter pick up slip says from some discret legal The phone they call is not in my name as well.
  12. Thanks for the reply I did receive a certified letter notice in my POB today... I don't want to pick it up because I think it is from a lawyer that has been calling about time is running out and action will be tacken...I have never spoken to him it just goes to my answering machine. Should I pick it up or just let it go back to whomever is sending it I don't want to open a can of Worms on myself. If someone is suing me and I don't officially received the letter and don't show up and judgment is charged against me then I guess the judgment will last 10 years? I don't ever plan on paying because I totally broke at this point... What is best to do
  13. A few questions, Please help answer! I have been out of work for two years and I'm in Credit Card debt up to my ears. I get letters from collection agencies every week and phone calls but I have avoided them all. I can not pay I'm broke and below the poverty line at this point. I do not own a house I rent My car is 10 years old. Are checking accounts safe from debt collection in Michigan Are Visa Check cards tied to a checking account safe to use or will they see what your buying? Could this be frozen by collectors I use paypal to buy things I need from time to time and its tied to my checking account and the Visa debit card. Could this be frozen by collectors It has been over two years since I have paid and the statu of limitation in Michigan is 6 years so I have 4 more to go, I guess, but I just would like to know if my checking account is safe from collectors Inquiring for any help. 8)
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