Re: Re: Re: Attorney called talked garnishment Someone mentioned using a PO box which is a good idea. As Why Chat said, get an unlisted phone number. However, if you can swing it, get a cell phone and no phone in your house. Without a land line, it's harder for them to track you down because even "unlisted" numbers can sometimes get out. One of those prepaid cell phones (AT&T free2go or Virgin etc) would do the trick too. They're even harder to track down since there's no billing address information. If your utility companies aren't too picky, you might consider listing them under your "spouse's" name or maybe a "roommate" as well. These things worked well for a friend's sister who had to escape her wacko (now) ex-husband.
Re: Re: Re: Attorney called talked garnishment This is really great! I do appreciate all the feedback. A few things I should mention. 1. I have a cell phone and they know that number, how they got it, I don't know... I even get telephone solicitor's calling it. Every time you change your phone number, the cell phone co. advises that your contract will be extended another - whatever amount of time. It might be worth it though. 2. This Discover card debt is but one of many. I have many medical bills and other 2 other credit cards. I have made a deal with one of the credit cards where I am on a hardship program and pay $28.00 a month. They have been real dip sh*%$. First, to find out what my new mailing address was and everything else they could they offered to reopen the card so I could start using it again (they had closed it from use years ago) then acted as though nothing was ever offered like that, so I ignored them for a long time. To make a long story short they put me on this hardship program and I got a call from them yesterday where the rep. was playing dumb and wanting me to pay them twice of what we had agreed to earlier. When I reminded her, she came around and said "Well auh, yes we can stick to those terms". You guys are great! I will start looking into these things when I get back. I have to leave for training which will be for the rest of the week, out of town. I know there was something else I wanted to mention, but I will remember and write it down. I have to leave in the morning and have to pack, wash cloths, yuck and ect. Oh, where do I find out about Colorado's law's on these matters? Thanks Again, Em
Re: Re: Re: Attorney called talked garnishment Well, I didn't know discover is no longer part of Sears. Shame on me. Well, I suggest you start with the student loans. From what I understand they are sort of like the IRS. They never go away. If you write to them explaining your situation, they should work with you. As far as the scumbag lawyer/Debt Collector, be sure to request validation. Send this CMRRR. Here is a link to the FDCPA http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm Bankruptcy should be your last option. You have rights as debtor. Also, check out this this Debt Collector with the BBB and also check your states gov. site and make sure they are licensed to collect in your state... BTW: Threatening Legal Action and NOT taking any is a violation of the FDCPA. Hope this helps. MK
Re: Re: Re: Attorney called talked garnishment Had to check one more time before I head off for training. I have been working with the school loan people. I decided to consolidate with Direct Loans, as when I asked my school loan lender in Montana to let me consolidate with a private firm, they refused, so the private firm told me that they could not refuse to let me consolidate with Direct Loans. Buttheads. They actually left one of the school loans out and it is being reported by the collection or credit bureau. Damn it my printer was working I would print the abbreviations out and and memorize them. I will have to take care of that when I get back as well. I will check into the CO laws and validation. Am tempted to look into what I can do about this attorney threatening legal action as well. Big Thanks!! Em
Re: Re: Re: Attorney called talked garnishment Had to check one more time before I head off for training. I have been working with the school loan people. I decided to consolidate with Direct Loans, as when I asked my school loan lender in Montana to let me consolidate with a private firm, they refused, so the private firm told me that they could not refuse to let me consolidate with Direct Loans. Buttheads. They actually left one of the school loans out and it is being reported by the collection or credit bureau. Damn it my printer was working I would print the abbreviations out and and memorize them. I will have to take care of that when I get back as well. I will check into the CO laws and validation. Am tempted to look into what I can do about this attorney threatening legal action as well. Big Thanks!! Em
1*I am sorry. I just do NOT feel sorry for someone who ignores a summons from a court of law to answer a lawsuit. 2*A lot of problems would be solved if people just did what a summons says -- answer the lawsuit! rocket1977 ================== 1*I'm not talking about these people. How do you ignore something that you never heard about? 2*How do you answer something that you have no knowledge of?
Re: Re: Re: Attorney called talked garnishment I had to disappear from a stalker (who was a reposessor/skip tracer w/ access to all the technology & dirty tricks of people-hunting) - here's been MY experience (I also live in CO). WITH THEIR PERMISSION, enlist the help of a friend/sibling. Get your Xcel acct using their SSN/name. Generally, Xcel doesn't release info, but to be safe... If you get a new residence, confirm w/ landlord that your info will go to NO outside sources. They were very helpful to me when I explained the stalker situation - you may want to consider this. Go with the pre-pay phone, or cellular that bills to a P.O. box or MBE (now UPS store)
Re: Re: Re: Attorney called talked garnishment 1*Keep in mind a creditor can only get a DJ if, and only if, you do not answer a lawsuit. If you answer the lawsuit, you will get a trial if there is no settlement. 2*I would have to say maybe 1 in 100,000 people with DJs get "railroaded. The rest either think lawsuits "go away" or a member of the household gets served and neglects to tell them. rocket1977 ====================== 1* But you can't answer if you never heard of one!! 2*This sure contradicts what I see here on the board. Almost every DJ complaint I read about here resulted because the poster had no idea there was a pending suit. Where are the checks and balances to prevent this from happening? Why aren't there any? THE END ** *** ** LB 59 """""""""```~~~```'"""""""""
Re: Re: Re: Re: Attorney called talked garnishment FOR CRYING OUT LOUD!!!!!!!!!!!!!!!!!!!! I really have been patient with you LB. However, when a creditor complies with applicable law regarding service, IT SHOULD NOT BE THE CREDITORS PROBLEM. If your wife does not tell you about the lawsuit, it is between YOU and HER. If you never read a newspaper (normally a creditor must attempt to serve you personally before doing this) thats YOUR PROBLEM not the creditors. Most people know if they are fixing to be sued. If you wnt to hide to prevent yourself from being sued, then the creditor has to comply with the law some other way. AGAIN, once the creditor complies with the law, it stops being their problem, and it should. It becomes and SHOULD BE the debtors problem.
Re: Re: Re: Re: Attorney called talked garnishment Also, frankly I do not believe half the people who claim they never knew of a lawsuit. A lot of times when clients came into the law office where I worked, our investigation revealed they were the ones actually served.
