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About jbillings2

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  1. They can't take SS income,but they can take other funds that are deposited in that acct.
  2. all the attorney is going to do is show up in court to reppresent you.At the intial meeting with you he will ask you some questions,how much debt,wages,and so forth.You will then receive a huge amount of paperwork to fill out,and you had better be honest,or it will come back and bite you in the butt.The lawyer is only going to go by what you reply in the paperwork.It is a simple process,don't make it harder than it is.
  3. First they will go to court and get the judgement.Then you will get some papers in the mail,requesting all personal financial info. wages(from where),the value of your car,and so forth.Also they will request last three months of bank statements.You will send this back to the lawyers who sued you,and you will go to the courthouse and file the papers with the clerk of the county court. Be sure to blackout ALL personal I D information.SS number,Drivers license# Bank Acct # and so on. Also if you have any questions call legal aid in your county.
  4. In Florida,they cannot touch your SS.But you cannot deposit other funds in your acct. as they can garnish that.As far as your car,if it is worth less than 1k it is judgement proof,as is your home.Hope this helps.
  5. I had the same problem.In Fl. if they file a judgement against you they cannot seize your bank acct.as long as the only deposits are your SSI.Also if your car is worth less than $1000.00 they can't touch it.Call legal aid for help if you need to,its free,and they were helpful to me. I hope this helps.
  6. I thought the $600 reported to the IRS,was for secured,or abandedproperty.I didn't think it applied to unsecured cc.Also don't they have to wait 36 months with no collection activety to report a 1099c to the IRS?
  7. Chase---they can't take your home,if your cars are worth less than$1000 they can't touch.Go to www.floridabar.org for more info.Hope this helps
  8. there is a judgement,and they sent me the final judgement in the mail,then I received the fact finding sheet.There wasn't a date to answer.
  9. just received a call from Cap One lawyers asking if I was going to pay this debt,after they received a final judgement against me.I told her no,then she got irate.I sent them a letter not to contact me by phone,any suggestions?
  10. Capital One does have a judgement against me.I guess this is a discovery.I don't understand why they want information about the kids etc. The affidavit for exemptions also has me stumped,also how do I file a notice of compliance with the court? again Thank You for the help
  11. I received the fact finding sheet in the mail yesterday from Rubin&Debski,who are representing Capital One.I know that I am required to answer,but some questions I don't know the answer. I've been divorced for 11 years, I have no clue where my ex lives,or my two stepkids. They also want my last two years of income tax returns,which I haven't filed because I don't make enough money to file according to social security. How does one go about filing an affidavit for exemptions for the court?Is there a special form you have to use? Thanks in advance --------Jack I live in Fl.
  12. I went to my pre-trial judgement.When I went to court I gave the judge my name,and a gentlema and I went outside the courtroomto discuss the judgement Capital One was going to get from me.He asked me if I could pay $185.00 a month,replied no,he asked me if Iwanted the Judgement against me,replied I don't care,went back in and told the Judge that I was agreeing to the judgement,that was the 17th of Nov. Tonight I receive a phone call from the lawyers representing Cap One.He asked if I went to the pretrial,yes,what happened?,I agreed to the judgement.I am pissed,if I had known they weren't there I would have asked for a dismissal.Now I don't know what to expect.The legal aid isn't much help,they wouldn't go to court with me.What happens next?I live in Fl.THANKS
  13. In Fl social security is exempt,but don't know about ira's or 401--which I don't have anymore.
  14. I am going to appear,that is ONE thing I have learned here.Who knows the lawyers might not show as they are 3 hours away.