Sent collector letter to make monthly payements on debt in SOL without reply?

[missrebbie]

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[sunshine46]

The only thing they can do is take the offer because they can put a judgement on your credit report but cannot garnish your wages as government income, pension plans, military disable benefits are protected. Check for your state possibly under small claims or civil procedures and even check with Attorney General's office for Illnois. I cannot remember where it says this, but your State should follow suit with the rest of the States in the U.S.

[CarolinaBlueEyes]

Many times its just not worth it.. they are looking for lump sums and remember you are one in a huge pile they have to deal with... so yes its very possible to be ignored... why not just wait it out.. sounds to me like you are judgement proof.. so if you do repay you just restart the SOL

[missrebbie]

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[CarolinaBlueEyes]

then let it go until it gets serious.. no need to keep beating the horse

[missrebbie]

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