Yeah, I can't wait till I have some successes to report....so far I've been feeling pretty bewildered over all of this mess....
This is not the only board I look at. I see you are in TX. TX is a debtor's paradise ... no garnishment ... hard to take any property from you ... the key thing to avoid is a freezing of a bank account at the outset of the case (which will probably be the only reason a creditor would try bringing a case ... no bank account blip on the radar would mean no sense wasting a filing fee). You need to make sure they don't find out where you bank ... or you need to bank out of state, perhaps someplace like Delaware where many believe bank accounts cannot be touched by creditors (and make sure the DE bank only has branches in DE).
Nope. Though if you change banks you want the new bank to do only a soft pull for "Know Your Customer" purposes because a hard pull can be seen by creditors. Other ways of finding that account: Legal Ways to Locate Bank Accounts The illegal ways include pretexting (rusing) calls to you or to one bank after another until they hit paydirt. Also they can and will cultivate corrupt insiders at the bigger banks. At the smaller banks it's harder to do that and also not really worth the effort. Watch out for "trojan checks" ... that $1.55 check from a suspicious source is NOT worth depositing.
Well, all this stuff is hard to read, but so far the only things that look like they'd toll the sol are moving out of state and paying/agreeing to pay....same ol same ol..... But now I'm so confused as to exactly what i need to do next.
a. String them along, never outright refusing to pay. Maybe tape 'em and collect FDCPA violations galore if they're abusive ... ask lots of open ended questions questioning your responsibility for the debt, questioning the SOL, questioning how you can be made to pay if XH can't, what they're going to do if you don't set up a payment plan with them 'cause it just isn't in your budget right now, etc. Take their calls, always have a new lame excuse ... infuriate them if possible. I bet you can get some threats, lies, profanity ... probably all in the same sentence if you have the right cube drone on the line. With the right attorney the collection agency becomes a minor gold mine for you. 2. Get your banking squared away.
They haven't been calling really any more. I guess if I don't respond to their last letter they might start up again? If I record calls, don't I have to inform them that I am doing so? And how long do I have to string them along? Until they snap and start threatening, or until SOL?
I just talked to the ex and he said that he hasn't heard from or talked to anyone having to do with the car since it was repoed.
It's possible the CA doesn't have his phone number. You might mention it to them the next time they get in touch with you. Or you could mail it to them anonymously. Misery loves company.
