If it is an old debt, I've been told that the place that
Posted By: puts the suit against you must provide on 2007-03-20
In Reply to: credit card debt lawsuit question - kris
the court with the original document that you signed before they can get a judgment to garnish wages. Usually they can't come up with it if the account was taken out a long time ago. I would look into it a little maybe even just online. Try consumer affairs website. Good luck.
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WOOHOO! We've jumped into FIRST PLACE! Yeah! Thank you ALL so much sm
from the bottom of my heart for voting and passing it on!!!!!
Continue to vote daily, though, as we still have a few more weeks.......
THANKS AGAIN!
This is what I've told my children
and I quite frankly do not care who it offends. My children have had the good touch/bad touch conversations and I have told them I don't care who it may be..... daddy, step-dad, step-mom, grandma, grandpa, aunts, uncles, cousins, big brother, etc. TELL ME. The fact is pedophiles come in all shapes and sizes, family members or not, and I want my children to know, I don't care who it is, that sometimes people can hurt others, even possibly making it look like something loving, and they MUST tell. So, I'm sorry. You may disagree with the way that mother handled things but those are her children and I understand where she is coming from. Obviously if she had trust issues with you or your husband, she wouldn't send her children to your home to begin with. I think she was teaching her children to be cautious and wants to keep the line of communication open with her children. JMO
Okay, now that you've told us about your g-daughter
We want to see a picture! I'm sure she's adorable. Do you have a picture of her you can post? I'm sure we'd all love to see her.
I've always been told to stay off a sprain -
*
I've been told I have bats in my attic...and that I'm a french fry short of a happy meal, too!
Might do that one day, but have some debt to get rid of first - sm
So putting out $6500 for a TT will have to wait; in a year I may be able to think about it, then save up the $$$ for it. I have done some research into this and know I first have to lose the weight and be stable at my goal weight for a while before I can have that done if I want to do this right. Guess I will just have to wait and see just how bad it looks after I shed the 70+ pounds. Feeling good right now, just went outside did some yardwork that I usually never have time to do (really didn't now either but work can wait), felt good to be active for a change, though I must now sit on my big butt and work for the next 4-6 hour! My thing is that I have to get more physically active, sit way too much!
Out of debt
Congratulations!!! Isn't it a wonderful feeling?
debt
I agree with transferring to 0% when the offers come. I have been doing that for years. Now, I just got an offer for 6.99% for the life of balance up to 12,000 dollars. Going to take that offer, (we are going to remodel our main but small bathroom) and pay off 2 1/2 cc; then what is left over, oh, and going to give my hubby 1000 to get out bike out of shop, so, what ever is left over, which should be 6 to 7000, will redo bathroom, payments won't be bad, like 190 a month and don't use your cards for a good while, just steadily pay. Hope this helps, and life is too short to stress over bills. Keep them in mind but at the same time, think of what you have. 
I am totally out of debt -
house, cars, motorcyles, credit cards. Everything!
It feels great!
Paying down debt
It is getting harder to make ends meet because of all the straws in our bank account. I have 17k in CC dept alone. It is with 4 different CC companies. One CC has $200, #2 has about 4K, #3 has about 2K, #4 has 10k. The 10K one has a 15 % APR, the others I believe range from 24% to 29% APR. My biggest monthly payment is my house and I owe only $4700 on it and it has 6.3% APR. I sold some things and am getting $5K and that will be enough to pay off my house. I would love to finally, officialy own this house and get rid of that $350 monthly pmt, but I wonder if I should not pay down on the CC because of the high interest rates. Any opinions. TIA.
Paying Down Debt
I feel you, believe me. First, Bravo to you for facing this. That's the hardest part. I think if you are so close to paying off your house, you wouldn't want to take out yet another loan against it. Additionally, the interest rates aren't that great. What is the total of payments you are making on your credit cards? If you can slap that 5000.00 on your debt first on all of the higher interest ones perhaps paying some of them off. That will free up extra money to put on the rest of your credit cards. Then once the credit cards are paid off, you can then work on the mortgage (I WISH I had your mortgage..). Also we work in an industry where it is easy to pick up extra work---have you thought of that just to get extra money to pay off the debt? That's what I'm trying to do. Things are just so bad right now. Good luck, hope this helps...
credit debt
Wow thanks for all the good tips.
As this got off the subject and onto other things, I just wanted to say I have heard Al-Anon is excellent for people dealing with alcoholism in a spouse or other loved one. It might be a great place for support for you and your kids. Just a thought.
Well, the only debt we have is our house...
so I would put it towards the principal on our mortgage.
Did you go into debt over the holidays?
C'mon, fess up!
Did you use credit to buy things for the holidays, or did you pay in cash?
I'm happy to report that for the 13th year, we paid in cash.
credit card debt
Not sure what will happen, but I do wish you luck. Credit card debt is an unsecured type of debt. I don't know what more they can do to you other than a judgement. Not sure you can put that under a bankruptcy either once the judgement has been placed. I know a lawyer that handles a lot of bankruptcies -- did some work for him. He always asked his clients if late payments had gone to judgements. If they had not gone that far he was pleased about it. I guess it made things easier legally. Not really sure.
Completely out of debt today!
I have paid all of my big bills off and now only have the monthly ones. Need to pop a cork!
debt consolidation/relief
I'm seriously considering going with one of those debt relief companies to get myself out from under a mound of credit card debt. I feel like I'm drowning. Has anybody had any experience with these companies, good or bad?
Strive to become debt free...
yes, that means living on a budget, telling the kids (and yourself and your spouse) no to impulse buying and splurges. You really can live below your wage if you WANT to and it is better to do it before you HAVE to due to job loss, etc. We are debt free but our home, no car payments, all credit cards paid off, only have the utilities and food each month. It feels great not to write checks to anyone. My DH just finished his obligation of 700 a month child support (Yay!!) which means more towards the mortgage to pay it off sooner. We are content with what we have...too many Americans want it all and want it now, no matter what the price, just charge it or take out a loan for it...crazy!
Oops, should have been paying off a debt
/
Do your homework on debt collection (sm)
laws also - you just may have yourself a $1000 piece of paper in your hand.
Have you requested validation of this debt? If not, I would do that right away. Send it certified mail, return receipt requested. Depending on the age of the debt, I would be very careful about sending the canned "do not contact me letter." If the debt is not that old, that can sometimes trigger them to sue. I bet if you send the "please provide me with full validation (not verification that you have my name, address and soc. sec#) of this alleged debt. Short and sweet.
Before considering the CCCS or debt relief (sm)
places, first call the companies. If you haven't been charged off yet, most will work with you and have hardship programs. The accounts will likely be closed, but after 3-4 ontime payments they will "re-age" to show as current, will lower the interest rate so payments are lower and you will pay off over a 4-5 year period (in most cases, you can't use the cards as acct will be closed to further charges in exchange for drastic reduction in interest rate). Going with CCCS or similar, has the same effect as a BK, even worse, on your credit rating. The accounts will report as "closed, paying under debt management plan." While bankruptcy is an option I suppose, if you're a homeowner or have any assets, you'd have to file Chapt. 13 which will allow for some payback. I'd call the companies first and lay out your situation and see what they suggest. The credit industry is in a mess right now so they are willing to work with you if you're upfront and showing good faith.
Anyone ever use a debt settlement company - sm
like DebtAmerica or something like that, one that eliminates 30% or more of your balance owed, consolidates it and gets each cc to settle on an agreed amount, etc. I am thinking of going that route instead of CCCS company which is just a DMP (consolidates it but you still pay back every penny and interest). Either way you have a big black mark on your credit. I owe a substantial amount and this way I can probably be debt-free in 3-4 years instead of 8 years. I know they charge a fee, and you have to pay taxes on the settled amount but it will be a lot cheaper for me in the long run and I can afford it a lot better. So if anyone has gone this route, please give me your input and who you used and if you were happy with their service, etc. TIA! 
Why would you take vacations when you're in such debt?
The money for those planned vacations could be paid towards your credit card. If you're income in increasing soon, why not apply the increase to the bills until the debt is gone and then reward yourself with a nice vacation that you save up for?
I know it's popular, but don't put unsecured debt on your home.
No way, never ever do that. It's a huge mistake, you could end up losing your home. The risk is too great.
credit card debt relief
Does anyone have any experience with those companies claiming to reduce debt by up to 70%, etc. ?? I'm drowning in debt. :(
Credit Card Debt Counseling
http://www.cccsatl.org/index.asp?_method=view&sc=43&cn=486&md=debtmanagement
Here's what you want to use... It is called Consumer Credit Counseling Services. They are legit. Now back when hubs and I did it about 15 years ago, there were no computers, per se, so we went on site to an office. I don't know what state you're in or if there is an office local to you, but it looks like you can do this online.
We did it, completed it, and it was great. However, they cut your credit cards up in front of you and put them in a huge jar (at least they did back then). Once you join, there are no more credit cards. What CCCS does is works with your creditors to reduce interest rates, payment size, etc. because they are networked. You then make one lump payment to CCCS and they disburse the money. They also take into consideration your income. I think that's what makes it all work. Also, this is what tells them how long it will take to pay off the debt. Just beware though that if you are "behind" on payments, sometimes certain creditors do not accept CCCS, so they may hassle you still and some just plain won't accept CCCS's offer.
Believe me, even though we are not late on payments, we had in the past 3 years so much personal stuff go on (sickness, death, etc.) that we have racked up some debt ourselves and may try CCCS again, as one card we have raised the rate to 33% interest because we have a high balance. We make regular payments.
All in all, it's a great plan and it does work, but you no longer have credit cards (they close the accounts), and you will have a "bad mark" but yet a good mark on your credit report for using CCCS. Check with them about that though, as I do not know the specifics. It is way better than bankruptcy...
Hope you find some relief soon! My thoughts are with you... I'm not judgemental because I've been there and done that.
Anyone ever been sued by a debt collection agency
My husband and I have an account which we feel we don't owe. We cancelled it within the amount of time we thought we had to cancel, but were later told the contract for services was not cancellable (a vacation timeshare). The original amount was only $1,000.
Since that time, the timeshare company has sold our "debt" to a third party collection agency, Apelles. They call at all hours and even on weekends. Since I have caller ID, most of the time I don't even answer. This morning, however, they called at 8:45 and woke up my kids. I was a little annoyed, to say the least, and I'm just wondering: Does anyone have any personal experience with this company. I'm thinking about sending a Cease and Desist letter, but I'm worried that that will trigger them to take me to court. Has anyone ever been sued by Apelles? I would think our amount is too small to be worth their time and that they would just try to sell it to another agency. Any thoughts?
Love him! We are debt free but the house....
on an income of around $100,000 a year. DH may be getting laid off in the coming months but we just refinanced to a great below 5% rate, all our credit cards are paid off, we have savings built up to see us through tough times and we don't really worry about what may come. Sure, our cars are a few years old but guess what, they drive just like brand new ones. We still eat out several times a week, we take a month long vacation every year and we are happy with the things we have. We buy what we want when we want, but we aren't slaves to the newest TV, cell phone, i-phone, etc.We have no one to impress and really don't care what others have. We have the peace of mind that we can go to bed every night without much worry, the phone doesn't ring nonstop from creditors and we can go to the mailbox and not cringe when the bills come in. The country is in this financial mess because of greed, plain and simple; fat cat greed, greedy consumers in this I have to have it NOW society, and most think the free ride is never going to end. Sad....
credit card debt lawsuit question
If there is anyone out there who has been sued and had a judgment placed for credit card debt....
What happens when you go to court?? I don't own a house and live week to week (part-time IC, not very supportive husband) so they can't get blood from a stone so to speak. But I was wondering if anyone has gone to court and what actually happens.
credit card debt lawsuit question
Anyway you can declare bankruptcy, chpt 7? I am going that route. :(
Do you have a lot of monies owed where bankruptcy is a real possibility?
I'm going through a similar time......talk about stress!!!!!!!
I posted back in late August about cc debt - sm
in response to someone else giving advice on what to do. I told you about how I had a ton of debt my DH knew nothing about, how I was afraid of him, etc. and that I just did not know how to tell him. I consulted a lawyer and got some insight and advise in case things went really bad when I did tell him. Well I finally bit the bullet and told him on Monday. He was off from work, kids were in school, I wrote a 4 page letter laying it all out. I went out in the LR and I asked him if he loved me and was happy in our marriage, I got yes's to both questions. Then I handed him the note (bawling at this point) and said I was going out for a little while and we would talk when I came back. He called me 10 minutes later, upset yes, but not nuts as I expected. We ended up talking for 2 hours. He was quite good about it which really surprised me, he was in shock though. Later last night after he got drunk not horribly so but enough, though he did not turn nasty. I had asked him not to drink but he ignored that, so as a result he broke down said a few things which I probably deserved, though he does not believe I was scared of him....denied ever threatening to kill me, said if he did he was kidding and it was his sick sense of humor. I told him I take all death threats seriously. But comes down to he does not want to divorce over it, for which I am happy and grateful, and I think this will ultimately help us. We are taking a 401K loan for the debt on his cards, and I will go to a credit consolidator for the debt on my cards......any recommendations on that front? My credit is in the dump so this is not going to make it much worse. In five years we will be free and clear, paid off debt and house at that point. I have a huge breach of trust to heal and don't know how to go about it, that is what is hurting him the most and the fact I waited so long to tell him, couldn't understand why I felt I could not come to him when it all started. So he learned what a conniving wife he has and I learned that I had what I wanted all along, just didn't know it. We still have a lot to work out, and I am in for 5 or more years of snide backbiting remarks at times I am sure, but I think there is hope for us actually.
I used Debt Free Today. Pretty good
company. Never had any troubles with them. Just sent them a check once a month and they distributed among my creditors on the agreed amount. I think we paid off in 4 years. Was really nice!
Yeah, stay out of that family debt deal, if ya can. :) nm
nm
Pay off highest interest rate debt first, then the next, and onto the next. The house can wait. Do
dd
Have U renogiated credit card debt when minimum payment got too high? Do they take your card away,
s
Sorry, don't believe in that place either!
Hmmm, that was a very christian-like post - NOT! lol
she's in a much better place now
and with her son. I wonder who raises the baby.
there's a place for everyone
:)
That's why this is no place for it
I can tell you right now a lot of people would not like that. I asked someone how they would like it if it was the satanic bible and they have yet to answer. Although they were mighty quick to come back accusing me of being a non-believer when they have no idea what my background is. People don't want the Koran or Tanakh or the Jehovan bible (if they have one), the Wiccan Book of Days, or better yet, how about the Satanic bible. No, they wouldn't like that. To them its the bible or nothing else. People need to keep their religious beliefs to themselves.
I think I might have already gotten something to take the place
My husband the other day told me we needed some new towels, others worn. I thought well just let him get those as I seem to always be the one to buy things needed in the home. Yesterday UPS delivered a brand new 32 inch television to me, an early birthday gift for March from hubby. This morning I went out and bought him lots of new towels (and wash cloths also).
In the first place...sm
Sounds like he went to rehab for all the wrong reasons. Namely, for you, not for himself. The only way an alcoholic/addict has any chance for long-term recovery is to want sobriety more than he or she wants anything in the world. You work the program not for your family, not for your friends, not for your employer, but for yourself. Otherwise, he'll go right back out. Trust me on this.
Meanwhile, get yourself to Al-Anon STAT! The Al-Anon program shows you how to detach and take care of yourself and have your own life. It shows you how to make healthy decisions for yourself and not to enable to alcoholic/addict.
Best of luck to YOU.
it is wonderful to see how many people have such strong opinions about people in debt.
I thought that the purpose of this board was to be able to post without being judged unfairly or have somebody tell you how wonderful their personal life is, and therefore you are causing their life to be less wonderful with your irresponsibility. Well, the saying "walk a mile in my shoes" is a good one in this case. Since you have no personal information about the person you are lambasting because they are looking for information on their debt, you can feel superior. Had you had personal information about them, you might act in a more human manner. Consider fighting cancer for 4 years, working and being debilitated while you do, suffering the effects of chemo, going into debt to maintain your home for your children and looking for a way out of debt SHOULD YOU EVEN LIVE THROUGH THIS!! Thank you for the kind comments. To the judgmental people I say please take a step back before you judge. You do not know who you are talking to and if you knew the personal information maybe your comments would be kinder.
What happened in the first place??
x
I'd have a BIG problem with it. Not her place. (nm)
x
Yes I would - it's not the teacher's place to do this....sm
shouldn't they be spending time teaching anyway instead of being worried about what kids do and don't believe in outside of the classroom?
Teachers are being allowed to do whatever they want this day in time. My high schooler listens to her biology teacher rant and rave each day about the "evils" of eating meat and she's sick of hearing it every day and is anxious for the end of the semester next week to get rid of this obsessive teacher.
Maybe look for a bed and breakfast place in that...
area. Chamber of Commerce might be able to help you.
Congratulations to her and to you!!! You should place the right arm
far over the left shoulder and give yourself a pat on the back. What a wonderful support you have been in helping her achieve her goals and you should be very proud of yourself, too. I know she is so appreciative for all of you that made her dream come true!
It's OUR place to tell our government that
Don't forget, the government is supposed to be owned by us, US citizens. They have gotten so giddy with power, they have forgotten that. Why else do they write their own paychecks, given themselves raises, and can continue to draw HUGE incomes after they leave office for the rest of their lives, including HUGE incomes for their wives long after they are dead, free healthcare, all the perks. These are public officials. Once they are out of office, they're on their own. We have let them take control of OUR government. It's up to us to take it back. You have a phone, e-mail, petitions.......you get the message across to them. Don't wait for others to do it for you.
I will take more than I bought in the first place
if they don’t cough up the $700 plus Tuesday morning and according to what (if that is the way it goes) it brings in on the court house steps, then I get % and the courts take % but not as much as mine. I can hardly wait until Show-Down at the OK Corral Tuesday morning. I just get ticked off thinking about their nerve.
NO WAY. It is not your place to tell them, let their parents tell them when they
think the time is right!!!!!
"No other place...."
NO OTHER PLACE
By Sondra Stallman ( poetry from II Cor. 5:8)
I turn and walk down a corridor.
Even though it is a strange and different place, I am not afraid to walk it.
There is a deep quiet here, like a hush and a soft sound of singing.
Everything has gone white. I am in a Most Awesome Presence.
There is no time nor space.
The Presence is all encompassing.
There is no “air” as I know it, yet I care not.
I am still. I feel no need at all.
No hunger. No thirst. I’m not tired.
The greatest change within me is the total lack of desire to utter a single word.
My thoughts seem to have stopped. It is like I am floating.
I have always been very conscious of my “self”….my “body”….my “thoughts”,
my perception of things around me! In this place, I am utterly emptied of “self.”
My awareness is keen, however, of the Presence that is everywhere.
It is a Peace so deep it sustains all things that come near.
I feel as if I’ve been shot into the very center of a hot and burning star.
I can feel the energy that is creating and re creating every milli second.
There is a distant sound of song, as if miles away.
Voices that sound like velvet feels
are floating past me.I linger before the songs.
I reach out.
I can touch them with my finger.
I can TOUCH the SONGS!
Suddenly,it seems that the SONGS are INSIDE ME!
The light is bright and deep and all wrapped up in the songs.
I see no one.
I feel only Ecstasy.I know of no other place.
I know nothing but the Love
And The Light.
I Will never Leave.
II Cor. 5:8…”to be absent from the body is to be present with the Lord.”
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