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Found 6 results

  1. Hello, I am new here but I see that there are lots of very active and knowledgable users here so I thought I'd seek some friendly advice. I am trying to help out my 80+ year old grandparents that have gotten themselves in some seriously unmanageable debt while trying to help another family member's difficult financial situation. Bless their hearts, but shame on them for digging themselves in a financial hole. They have a total of about $31k in credit card debts in 22 accounts.They have no real assets - not homeowners (rent), no business or properties, only have a pretty old car.Their only source of income is their social security retirement income.All payments to creditors have ceased as of this month (so the calls have just started).We have closed all the accounts (for some reason I thought this would stop late fees, but now I know thats not the case).I seeked free legal advice considering bankruptcy from a pro bono lawyer and I was informed that they are "judgement proof" and it is pointless to file a bankruptcy. Their income is protected and even if the creditor wins, they can't collect. While this may be true, I am concerned about the 6yr statue of limitations in NJ. This is not something I want to have to keep an eye out for such lengthy period of time. Perhaps if it was maybe a few accounts, but since its so many it would just be stressful answering to all of them. The biggest bankruptcy filing con is the cost - approx. $1200 with a lawyer. I am wondering if I may be able to do the paperwork myself. A friend of mines recently filed and I have reviewed the paperwork. Though it was alot of legal terminology, I have found help online and software programs that make it pretty straighforward. Is this something any of you would consider doing without a lawyer though? Am I being too confident here? Also while searching through another forum, I saw an old post where a user in a similar situation with her elderly mom said she was able dismiss the accounts directly with the creditors by sending them letters explaining to them her situation and that she was judgment proof along with a copy of her SS award letter. Should I do this as well? Has anyone tried this or had any success writing-off an account directly with a creditor? I guess it can't hurt to try or can it? Maybe if they knew it was going to be pointless to persue these accounts, they would just move their efforts towards onto other more successful accounts to collect on. Please let me know your thoughts and experiences. Thanks
  2. New to this site, I have been paying regularly for a few years on old tax debts, vehicle loans on cars returned because I couldn't make the payments. State of Ca retired by disability. I have been reading a few things that state disability pensions can't be garnished. The companies including the IRS and Ford motor did initially try to garnish wages but we were able to start making payments AND even did monthly payment agreement with the IRS. Both of us a few years ago being employed by the state had furlough days (basically a decrease in pay X2) , major medical issues on top of that and not only got behind on taxes, & all bills but after separating, narrowly were able to keep the house after a loan modification. Zero late payments in almost 4 years, 3 new vehicle loans since, but this tax lien which of course shows begininning balance instead of the approx 30k it is now, plus Nelson & Kennard for Ford - I can't get my credit score above 670 and he can't get above 600. *If we both have disability pensions, is there ANY way of getting judgements off of credit while still paying on the debts? We are NOT trying to get out of paying, I just want to have the options of possibly selling the house and buying another. ANY HELP WOULD BE GREATLY APPRECIATED!!
  3. http://finance.yahoo.com/news/credit-reports-exclude-certain-negative-223300291.html. Please click the link above it will take you to Yahoo where there reporting the Credit Beaureas decisions about civil judgements, and Leon's also medical debt!! Great news for me and I know thousands of wrongful illegally convicted and wrongly reported!!! All I can say it's about time Things are changing !!http://finance.yahoo.com/news/credit-reports-exclude-certain-negative-223300291.html 5b6ae96a3999447a55b2ffd56cb6d88e_8rmWvkxyXpH6FWUr7iSISJsakT3HCJY2gHr_kCQuYXxShhXF-djjoMXLVzffm0xcCf1NtVcxhQ8-_17_0.mp4
  4. URGENT ... was notified Friday by an solicitation letter from an attorney of a lawsuit filed by BOA on a defaulted CC ... MUST reply MONDAY ... Please help with reply! 1- This account is in my husbands name and we separated 18 months ago. I'm in Fairfield county, but he is in Franklin. Summons Complaint was filed in Fairfield County. There is no proof of the debt attached as in a signed agreement, etc ? ..... Any options you can offer GREATLY appreciated ! If you are inquiring about a lawsuit in which you are the defendant (ie you are being sued), you need to answer the following questions (as much as possible): 1. Who is the named plaintiff in the suit? BANK OF AMERICA 2. What is the name of the law firm handling the suit. LEVY & ASSOCIATES, LLC 3. How much are you being sued for? $9057.00 4. Who is the original creditor? BANK OF AMERICA 5. How do you know you are being sued? ATTORNEY SOLICITATION LETTER, NOT SERVED CERTIFIED MAIL 6. How were you served? NO SERVICE ??? 7. Was the service legal as required by your state? NOT SURE. COMPLAINT DOES SAY IF NOT SERVED CERTIFIED BY POSTAL, TO SUBMIT ORDINARY MAIL ???? NEVER GOT IT THOUGH Process Service Requirements by State - Summons Complaint 8. What was your correspondence (if any) with the people suing you before you think you were being sued? NONE 9. What state and county do you live in? OHIO, FRANKLIN 10. When is the last time you paid on this account? Approx Jan, 2015 11. What is the SOL on the debt? To find out: I believe 6 YEARS Statute of Limitations on Debts 12. What is the status of your case? Suit served? Motions filed? COMPLAINT FILED BY PLANTIFF - WE MUST REPLY ????? 13. Have you disputed the debt with the credit bureaus NO. First we knew of this agency 14. Did you request debt validation before the suit was filed? NO 15. How long do you have to respond to the suit? (This should be in your paperwork). WE HAD 28 DAYS. TO ANSWER COMPLAINT Here is an example of what the summons/complaint may look like: Sued by a Debt Collector - Learn How to Fight Debt Lawsuits 16. What evidence did they send with the summons? COMPLAINT SIGNED BY ATTORNEY, COPY OF A JAN, 2016 BOA CC STATEMENT.
  5. In 2005 I had won a judgement against plaintiff and could never collect because the person, persons just skipped town or reinvented themselves and we could not get banking info at the time. This was in regard to a business I had a long time ago- Can I renew this judgement in California? I would be willing to try again to skip trace these people as I feel they may still be here in California doing business under another name or maybe not- I sued them personally and as individuals and their corporation.
  6. Hello everyone this is my first time. Okay I'll just get right to it....I'm cleaning up debt I acquired after getting laid off and the largest is an eviction which is now a judgement. its been two years and is growing 10% interest. Every strategy i've tried and got no results. my last resort to find a way to put the ball in my court is to see if there is anything i can do about a statement said in court. I have the minutes to prove it. Before all this i had great credit and a family member became ill while i was laid off thats what used all my savings and i couldnt pay rent and so in court the Plaintiff's Counsel was compassionate enough to say if i agree to court stipulation announced, which i did so he states for the record that the payments shall be paid directly to Jay Jackson and that this matter will not be turned over to collections. And it has now and is on all three reports. Is there anything I can do about it!
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