I need to know: a) Which states do not allow renewable judgments? 1) What are the SOL for these judgments? b)Which states do not allow garnishments? c) Which states do not allow attachment of/to bank accounts? d) Would living in these states reduce the chances of getting sued? Please include personal experience(s) if any. e) Of the states in b or c, what are the SOL for judgments and which of the states in b or c do not allow non-renewable judgments? The first person to answer a1 or e correctly(answers must be verifyable) wins----a lollypop. No, seriously, probably a gift certificate to borders or outback etc. (will discuss details thru e-mail). Remember, answers must be verifyable. Please also answer b,c, and d also. Also the question will be posted at other sights as well, so first person rules applies in that light. I cannot guarantee a ruling of a win if verification is not provided. Not providing verification is not an immediate disqualification, but may hinder and prolong a ruling of win.
Goodness lands, you're running a contest whereby somebody will receive a gift certificate if they put together a report for you that may take hours and hours of work (replete with verifiable case examples, etc.)? Wouldn't it just be easier to get a job and buy the gift certificate? I'll bet you'll find what you're looking for by simply searching this board (using the "SEARCH" button that appears on every page) as well as using Google.com. Then when you're done, instead of presenting one person a gift certificate, post the results of your work on this board so that others who are dealing with the same issues may benefit. Doc
a) Well, to be honest i am so far unable to asertain the answers. But, rest assured i too am trying; If i can find the answers on my own i will cancel the contest. b) the answer(s) would probably be posted so that everyone could benefit from them. C) My reasons for asking are: i am trying to avoid paying junk debts----debts that were bought from the original creditor by a junk debt buyer; i didn't make the debt with the JDB therefore i don't owe the JDB anything. Yes, i know what the law says, but this is what i say. Before everyone starts to get all moral on me, a) i have paid off 50K of original credit card debt in the last three years. I could have paid it all off sooner but i was in school. (These were with the original creditor, OC now.) b) the vast majority of posters here and at other websites are like "don't pay them unless they agree to delete." So let's please examine that before anyone attacks my stance on JDB's. So, anyways my plan is/are: Goals(in order of importance) 1)To avoid being sued. 2)To avoid paying JDB's 3) If judgment is inevitable, then wait out the SOL, thus my asking of the states with non-renewable judgments and how long the SOL.
trendy, trend-e, trendie, You HAVE been everywhere...CN,AOC, CI and CW (which was sorta' like talking to yourself!) I suggested on another forum that maybe you should start with the state of Oklahoma first. Then go state by state alphabetically. Psychdoc and breeze are NO dummies...and they don't need to win any prizes from you as their work on the boards is much heralded. clc
Why do you suggest Oklahoma? Because from what i see so far it's 5 years non-renewable. (by the way, which forum did you suggest this on----i've lost track!) O.K., here's what i've come up with so far: (and if we could please correct me if i've made any errors or inaccuracies instead of lecturing me on doing the work myself etc.) Alabama 20yrs non-renewable (apparently NOT sweet home alabama) Conneticut 20 yrs non-renwable District of Columbia 12 yrs non-renewable Florida 20 yrs non-renewable? Maine 20 yrs non-renewable Minnesota 10 yrs non-renewable New Hampshire 20 yrs. non-renewable North Carolina 10 yrs. non-renewable Oklahoma 5 yrs non-renewable is this accurate? Penn 20 yrs non-renewable Rhode island 20 yrs. non--renewable South Carolina 10 yrs non-renewable Utah 8 yrs non-renewable Wisconsin 20 yrs non-renewable So it looks like North carolina and South carolina may be the best bets for me because of the additional protections of no garnishments allowed and bank accounts exempt(up to a certain amount anyway). Plus, in my case they are in closer proximity to me than say Utah. However, if the Oklahoma situation is true then that will probably be my ticket. I've got no problems with moving---my company has branches all over the country. Plus, i was wanting to move anyway. The reason why i was asking everyone/anyone else is because of the accuracy issue. I wasn't trying to shirk my resposibilities. I've got no problems doing leg/paper work, it's just that i didn't know how. My profession doesn't deal with legal or financial matters. Please see my post entitled "AN INVITATION PT. 2 a situation."
If this is concerning existing debt then running to another state might not matter. If this is concerning future debt then you are asking people to aid and abet you in committing FRAUD. 0
I may be mistaken-- but I think you have confused the issue. The SOL for a judgment DOESN'T MATTER!!! What you REALLY need to find out what the SOL is to be SUED!! If you have "old" debts, you may very well be already beyond YOUR State's SOL for being sued, if so, you can probably send the collection agencies the SOL letter from my website. (I will forgo the lollypop)
Alright, this may be rather lenghty(but interesting) so go ahead and get some popcorn and a soda and settle in. First off, let me thank all so far that have answered; I truely appreciate the assistance. And I'm not just typing that---really. To clarify, i am not trying to dodge paying legitimate debt; I have paid off over 50K of credit card debt since jan 01'. i could have paid it and everything else off much sooner but i was trying to finish school. What i AM trying to do, however, is to avoid paying any/all junk debt buyers. Three of my accounts, out of the 20 or so total that i've ever had, have been sold. The rest were legitimate credit card debt from/ with the original creditors andhave been paid off completely. My view is i didn't make the debt with the JDB, therefore i don't owe them anything. Yes, i understand what the law says. But this is what i say. Hence my asking about judgment durations, renewablilty and reporting procedures to credit reports: 1) Ultimately if one wished to truely get out of a paying, then after the SOL for judgments is up the debtor is completely off the hook permanently. a) in states where judgments are renewable, the debtor will theoretically never be off the hook----unless the creditor never sues or it is past the SOL for the debt and therefore the creditor will not be able to get a judgment. 2) Now, if it is a situation where the judgment will be reported on my credit report until satisfied (is this possible) then i might(begrudignly) have to pay. I would, of course, be aiming for settlement. a) If it is a situation where judgment is renewable, then i might have to (begrudginly)pay. The state that the contracts where signed/started has renewable judgments. The state where i am planning on moving doesnt. What would happen in this situation? These questions really relate to the situation i'm in. Please refer to the sister post of this post entitled: AN INVITATION PT. 2 "a situation" http://consumers.creditnet.com/straighttalk/board/showthread.php?s=&threadid=59811 Read it then: 1) Tell me what you think 2) Tell me what you think i should do and why. 3) Tell me what you would do and why. My goals (in order): 1) To avoid paying any/all Junk debt buyers (JDB's) 2) To keep judgments off the credit report. I still have a year and a half to go before the SOL on the debts expire.
You do not understand. What State are you in? Go to my website linked below,go to YOUR State, look for the SOL for a CA to FILE SUIT. If you are past that, or soon to be past that, send the CA the SOL letter from my website. You seem hung up on the length of time a judgment stays on record, when your ONLY concern should be to prevent being sued in the first place.
OK- I THINK I can figure out what you want to know, and the answer is-- it depends. Let's say, for instance, that you are in NY, with a 6 year SOL,and think you may be sued, so you move to Fl. with a 4 year SOL,meanwhile,back in NY the CA gets a default judgment against you and finding you have moved to FL. tries to enforce (domesticate) the NY judgment against you in Fl.If they succeed, you now would have 2 judgments of record one for 10 years renewable in NY and another for 7 years non renewable in Fl. EXCEPT- if you were to fight the domestication of a NY default judgment in Fl. you would win because of a comity clause in Fl. statutes. That is only ONE example of how impossible it is to answer your question. Tell me your State, and tell me if you are planning to move before you are sued or after, and which States you are considering, and I might be able to win the lollypop. By the way, I don't know where you obtained your figures for the various States re length of judgment, but they are completely outdated.
If you can help me i'll give you more than a lollypop. I have seen your website and it looks impressive but i didn't have much time to browse. This will change as of today or tommorrow. O.K. I suppose it can now be revealed that i live in, and the contracts were originally signed in/started in Maryland, which if i''m not mistaken has 12 year judgment SOLS AND renewablility of judgments. I have not been sued------yet. My plan as of last saturday was to move BEFORE GETTING SUED to South Carolina because a) non-renewable judgments AND 10 yr SOL on judgments. b) no garnishments or bank account attachments allowed so as to make getting sued a little less likely. c) the SOL the file suit is the same as MD----3 yrs for open-ended contracts. See, i cannot control if someone is going to sue me that's why i'm wondering why the emphasis on SOL to file suit. What i CAN control is which state i will be in as far as renewable and non-renewable judgments; If i move to a state with non-renewables, then i can have more control of my financial destiny? Moving is not really a problem because 1) i was wanting to move anyways regardless. a) My company has branches all over. 2) i have family there also. But again it really boils down to my situation. (you did read the other post didn't you?) Maybe i should just lay low because they problem won't sue? Again, i still have 1 and 1/2 years to go before the SOL for suing is up.
Pt. 2 (BTW, thanks again. You've been very helpful) Taking your NY to FL example above: 1) If, in fact, both judgments were obtained how long would these entries appear on the credit report? 2)Are you saying FL has non-renewable judgments? 3) In the above situation would it mean that i could never become a NY state resident ever again unless, of course the CA did not renew. What is the likelyhood they would elect not to renew if they couldn't collect the first time? 4) Other states i was considering were N.Carolina(very similar statues to S.Carolina) Oklahoma, but i think they have renewables?, If it's true about Fl, then FL, Utah, Conneticut because i'm sure it's non-renewable, same thing with RI. a) now in the case of conn and RI the SOL for judgments is 20 years. Would the entry on the credit report only remain for 7 or for the full 20?
