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Bill Collectors Harassing You? Action Can Be Taken - It's Your Call

Updated on January 12, 2017

Making The Right Moves...

Knowing The Ins and Outs of Collections and Credit

Did you know?

A Debt Collector can not call you back if you hang up on them, for 7 working days. They cannot threaten to sue you either. Unless it's absolutely their usual company process. Threatening to sue you, and then not suing, is actually a violation. They are not allowed to curse at you, or say things like, "we'll take your house", and "we'll put you in jail", or we'll ruin your credit", or "we'll call you repeatedly", and so on. You can hang up on a bill collector, and if they are compliant, they will not call you back until the following week. Unfortunately many do call back, harass, oppress, abuse, and violate the laws left and right.


You want to know about this, because even people who pay their bills are being harassed by debt collectors, on an hourly daily basis. That's right, you pay your bills, and still get harassed. To the tune of the next 10 years to come believe it or not! I'm one of them. Here's what is going on with many, many people around the world.

One Example Scenario: Very Common

You have a credit card for example. You pay the debt in full, and close the account. You think it's closed, and that's the end right? Wrong...unfortunately for all of us, these banks, creditors, and loan companies are selling the debts, over, and over, and over for a period of 10 years plus. In the recent years, while things were actually going bad, (under all the fluffer nutter in the news) banks, and credit card companies, and the like began struggling. The trickle down factor is that the little guy gets hurt when big creditors, banks and such struggle or go under.

What happens is they sell their written loans, credit card debt, and bad debts to cash out of the situation. They buy these accounts at a huge whopper of a discount. We're talking 2 cents per account. The bank has already received a tax break/write off, and has cashed out of the debt by getting .02 cents for it. Imagine if you will, you're $5000 credit card debt was just sold to another company for a whole .02 cents. The new owner of that debt gets to collect the full amount plus all cost, and inevitably interest on a Judgment if they sue.

When a Portfolio of accounts are sold, they are sold in batches of millions. Your one account doesn't have too much value all by itself. When a batch of accounts are sold, I have found, and witnessed "personally" a huge amount of accounts that are: Deceased, Bankrupt, Paid In Full, or previously Settled, are conveniently included in the batch.

They do this on purpose to make the batch Portfolio look larger, and more appealing. Only a serious buyer, with experience in the industry would know to do intense Due Diligence on the portfolio, to determine if in fact the batch has inserted files which will never be collected.

It doesn't matter how well you paid, if you paid on time, if you didn't, or if you went bankrupt. You're all batched together and sold, over and over too many times to count. You could be the perfect borrower, and still be harassed because of this. It is literally a living nightmare.

I will be exposing a few chronic offenders here on this hub to watch out for. Nevertheless, beware, and be on guard to these agencies buying debt. They usually run credit reports, which will leave a negative inquiry. The medical industry is absolutely famous for destroying peoples credit. Usually concluding in the end, it was their fault for not billing properly.

I have personally witnessed people being destroyed over some of the most rediculous things I've ever seen. Who do you turn to when this happens? There's no Credit Destruction Hot Line or anything to call. The credit repair scams will undoubtably rip you off blind, and the debt consolidation companies just want to play with your money. I haven't found one yet that pays anyones bills on time. They skim their fee's off the top, and that's their main priority.

If you think someone else is going to care more about "your" credit, and Your Bills...Think again. These companies are doing nothing, but inviting themselves into your wallet! Pay your own bills as best you can.

If you can't pay your bils, then go pick up a bankruptcy kit at staples, and file it yourself! It's self explanatory, and you can post any questions you have here. It's approx. $200 to file it, and comes in carbon copy, so press hard. Make an appointment for a credit counselling company to get the Voucher needed. Then go to the local Courthouse to file it, and pay your fee. It's called "Pro Se". You do not need an attorney to file any chapter of Bankruptcy. It stops all creditors from proceeding against you.

There are a few choices you have. Each one is labeled as such, and explains what applies to each one. Home owners would file a Chapter 13, and so on. No assets would file a Chapter 7. The Clerk at the Court will let you know if anything has been filled out wrong.

This is one of your Consumers Rights, don't feel embarrassed about it. It's a necessary component to assist the people, to gain relief. Those creditors who aren't getting paid have already taken a tax write off, sold the debt, and cannot even remember who you are.

All debts whether paid or not are being sold on a regular basis, (avg. every 3-6moths) for a period of 10 years. The bottom line is the tactics are out of control, and literally monopolizing all of our time. It is not going to get any better any time soon either.

Which is the reason I've written this hub. I'm hoping to help arm people with some necessary ammo to protect themselves, and their credit. I'll be happy to answer any questions, or listen to any cases of harassment. I was one of the first Collectors to be Certified in US. I was also one of the youngest females, and one of the first to sue in NY against "attorneys" for violating collection laws.


I successfully won the case against the 2 attorneys in the 80's for the violations. I was 19 years old, and my Mommy was standing in the back of the court room. lol. I had a stack of case histories in my hand, and showed the judge which laws they violated, and how they were certainly not exempt from the law, "because" they were attorneys, and I won the case. The judge shook my hand, and thanked me for educating him on the law. The court room (a public one) was roaring, and clapping.

It was quite an experience, considering how these two attorneys were treating me in the hall before the hearing. They thought they were going to make mince meat out of me...lol

Here's the best part. One of the attorneys involved was investigated by me, and others because of my case. It was also discovered that she had, and was imbezzling thousands of dollars from another client. She was immediately banned from practicing, and her license was pulled. She was also banned from the state of florida because of the case. Both ended up with permanent records for life, as well as losing major clients, etc.

That was when I was 19! I'm now 43, and I still haven't met anyone, including attorneys who have actually read the the Commercial Code, or the Federal Fair Debt Collection Practices Act, etc. I've actually read these laws, and memorize important sections that apply to the here, and now. Call me whacky? Maybe. I haven't lost a fight yet. Including how I got my $768.oo credit from Verizon, and how I got my other $368.00 credit from Verizon, and my $1100.00 credit from the Electric Company, and the fight with the Vitamin Store $$230.00, and the appliance company for $60.00...Should I go on? There's more...lol

When you know the contents of the book you're throwing at them....boy does it help! lol The moral of this story is yes life is a constant battle...but if you arm yourself with at least the things that coincide with your money, your assets, and your credit you will be much the wiser, should something go wrong...and it usually does. Sticking together, and sharing knowledge is the best way to gain education, use others education, and in turn become educated along the way.

I have won many cases, and actually played a small part, (or maybe a large one who knows) in many of the laws in collections being changed over the years. I have had very large agencies shut down in roughly 24 hours, of learning of their illegal practices. One of the largest I had shut down, I had worked for for years. I never had to break any laws, as a matter of fact, I enforce them constantly.

Consumers need to have someone on their side, as far as I see it. Who better than someone who is fluent in the law, and experienced in the industry. I'm well respected, and also feared by many in Collections. I could be a danger to them if they're doing anything illegal. I used to work with the Chief Investigator at the FTC, exposing geological scams. Then we moved onto Collection firms, because the abuse became so rampant. Then he retired, and I continued.

By the way: This is important. Beware when Settling a Judgment for less than the full amount! If you pay less than the full amout owed, including all the interest (which will be calculated) you are going to receive a 1099 in the mail from the IRS. All courts have to report satisfied Judgments. They never tell you this either. Whatever you "Don't" pay on a judgment is counted as, "Additional Income" for the year, and will absolutely come back to haunt you, and totally screw up your taxes!


Here I am today...Ask anything you want about Collections, Credit, Debt, Banruptcy, and your variety of financial dilemmas.



Attorney Reveals Foreclosure Facts to Help Consumers!

Paid Debt Sold 25 Times! Read the latest Complaints: Dec. 2009

Here's the latest Complaint filed against the 17th Firm (one week ago Dec. 09) who has purchased this paid debt from 1999. I'm still pinching myself, to make sure this is actually real...lol...The complaint worked, and the calls stopped suddenly. I'm waiting for proof now. I am not impressed with this firm at all. I'm quite underwhelmed.

Farmingdale, NY 11735

Greetings;

Let this serve as Official Complaint, and Notification to Cease & Desist all your collection activity immediately, directly, or indirectly with me. You are hereby notified in writing that this is a paid in full debt from 2003. This is an Official Dispute, and Complaint against your firm(s).

You are in violation of my Consumer Rights! Not only is this debt paid, but it was paid in 2003, as it clearly states on my credit profile. You are now the 17th firm to buy this paid debt.

Had anyone done proper due diligence on the paper you're buying, maybe this could have been avoided. There is a clear statement to that effect on my credit report, and you are in violation of several laws.

First you will immediately file a Discontinuance, closing this case. You will close the file, and agree that you will not Resell it again. You will remove your Inquiry from my credit report, and any derogatory account reporting. You will forward me a letter of confirmation the case is closed, with confirmation that you have destroyed the file, and removed all my information from your system. You will also forward me copies of the entire file.

Should you fail to do so, I will continue filing complaints with every entity governing law firms, and collection agencies, and proceed to the fullest extent of the law.

Being in the industry for 28 years, (in many capacities) I will not allow this to go any further. I find it to be lacking logic, that you're buying paper beyond the statute, already beat to death by at least 15-20 firms across the country. I've actually been tracking this the whole time.

Since your firm has taken a daring approach to the collection of old paper, you can also take what goes with it, an official complaint.

Proceed at your own peril,

*Copying certain officials as indicated below.


Letter 2: Past The Statute

PR Associates Po Box 2480 Neverland, Mn. 40802

Attention: Federal Compliance Dept.

To Whom it may concern:


You are hereby Officially Notified to Cease and Desist all collection activity directly, or indirectly with me. I am disputing the validity of your alleged claim. You are in violation of my Consumer Rights, and violation of Federal Fair Debt Collection Practices Act. Your attempts to threaten me into payment of a debt exceeding the statute by more than 6 years. Furthermore, it is deceptive practice to harass, oppress, or abuse an individuals rights, under which my rights have been violated by you.


You are hereby Ordered to destroy the file immediately, to insure continuous harassment ceases. Should you fail to this immediately (upon receipt of this communication) you will be held liable for any future harassment from factoring purchasers, agencies, law firms, etc.

Confirmation within 5 days from receipt of this Official Notification sent to you certified mail, requires your prompt attention to this matter, under several federal acts, including the commercial code. You are required by law to respond to this communication within 30 days or less. Heed this warning, as you are now under federal scrutiny of compliance with all prevailing federal laws.


Proceed at your own peril.


Thank you for your cooperation in this matter.
Miss. Consumer


CC: Federal Trade Commission

Regional Office: Consumer Complaints

6th and penn, sw

Wash. DC. 20600


Attorney General State Of


Attorney Local, Esq.


You Can Copy and Paste these letters: Compliments of MGE Non Profit Corp.

Actual Copy of Complaint Against Law Firm

This is an actual Complaint written by me, for me against a company (Law Firm) my favorite...lol...who has violated my rights to an extreme. I have an attorney looking into it now, who has already won a case against them, and Trans Union, for the very same reason. This is a real life, current situation I am going through. Ironically even with all my 26 years experience, I too have become a victim countless times.This is an actual copy of the letter that has been sent to them. Nothing in it has been changed. (note: no longer formatted for court purposes)

Dec. 29, 2007

VIOLATION OF FEDERAL LAW:

FDCPA Violation(s), FCRA Violations, Consumer Rights

OFFICIAL NOTIFICATION

To whom it may concern; GREETINGS

You are hereby Ordered to, "CEASE & DESIST" from any further collection action, or activity directly or indirectly with the above named consumer. This debt is in official dispute, you will provide copies of an itemized breakdown of the alleged debt owed.

In compliance with the U.S. Commercial Code, you are required to respond to this, "Certified Return Receipt Requested" written communication within (30) days.

Failure to do so will result in violation of the U.S. Commercial Code, by your company.

You are now under State and Federal scrutiny, for violating the, "Federal Fair Debt Collection Practices Act", A Consumers Rights, and possibly additional, "Federal Act's".

The following

Sect. 804. (15 USC 1692b): Acquisition of location information: Not state that a consumer owes a debt. Prohibited use of of language or symbol on any envelope, or in the contents of any communication indicating the communication is from a debt collector. Third party disclosure on an answering machine several times.

Sect. 805. (15 USC 1692c): Communication in connection with debt collection: Third party disclosure on an answering machine.

Sect. 806. (15 USC 1692d): Harassment or abuse: Causing a telephone to ring repeatedly 2 - 4 times per day for an extended period of time..

Sect. 807. 15 USC 1692e): False or misleading representations: (A) the character, amount, or legal status of any debt. (5) the threat to take any action that cannot be legally taken.

Sect. 808. (15 USC 1692f): Unfair practices: Using any language or symbol other than the debt collectors address, on any envelope when communicating with a consumer by use of mail.

Sect. 809 (15 USC 1692g): Validation of debts: (a) within (5) days after the initial communication; send a written notice containing- (1) Amount of the debt; (2) Name of the original creditor to whom the debt is owed to; (3) A statement that unless the consumer, within thirty (30) days after the receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid;

Sect. 811. (15 USC 1692i): Legal actions by debt collectors:

(a) Any debt collector who brings any legal action on a debt against any consumer shall --

(1) in the case of an action to enforce an interest in real property securing the consumer's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located; or

(2) in the case of an action not described in paragraph (1), bring such action only in the judicial district or similar legal entity --

(A) in which such consumer signed the contract sued upon; or

(B) in which such consumer resides at the commencement of the action.

(b) Nothing in this title shall be construed to authorize the bringing of legal actions by debt collectors.

§ 812. Furnishing certain deceptive forms [15 USC 1692j]

(a) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

(b) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title.

§ 813. Civil liability [15 USC 1692k]

(a) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of --

(1) any actual damage sustained by such person as a result of such failure;

(2) (A) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $1,000; or

(B) in the case of a class action, (i) such amount for each named plaintiff as could be recovered under subparagraph (A), and (ii) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of $500,000 or 1 per centum of the net worth of the debt collector; and

(3) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorney's fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorney's fees reasonable in relation to the work expended and costs.

(b) In determining the amount of liability in any action under subsection (a), the court shall consider, among other relevant factors --

(1) in any individual action under subsection (a)(2)(A), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional; or

(2) in any class action under subsection (a)(2)(B), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collector's noncompliance was intentional.

(c) A debt collector may not be held liable in any action brought under this title if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error.

(d) An action to enforce any liability created by this title may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within one year from the date on which the violation occurs.

(e) No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Commission, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason.

Each section of the Act listed here has been chronically violated over & over & over.

The phone calls, the constant harassment, the endless Third Party Disclosures on my answering machine 4 & 5 times a day will stop immediately. You literally harassed me now for well over a year with no end in sight! I have repeatedly hung up on your calls, only to be called right back the same day, and the next day. In all my years in this industry I have never seen such a blatant case of chronic daily violations.

In your attempts to collect a prior paid debt, you have just created the worst case of harassment against a consumer. You obviously have not done your due diligence properly, on paper you buy. You have literally called me every single day (3-4 times each day, even after you were hung up on) for over a year now for a paid debt. It clearly indicates on my credit report, which you were not authorized to access, that my debts are paid. I am worse than outraged!

You are not only violating my rights, as a consumer, but have also prevented my life from moving forward. Even after requesting you stop calling here, you continue to harass me non stop every day including Sunday!

Not only does it state those facts on my personal credit report, but it also states I am debt free for over Five years.

Your Alleged Summons & Complaint was allegedly served on an address that doesn't even exist! Your bogus court documents are a fake. You are merely conducting a mail blitz to see who you can scare into paying you. Sewer service has failed you!

I am extremely fluent in all the laws governing your industry. After researching it, I've confirmed you are absolutely CHRONIC OFFENDERS of violating all the laws of this industry.

All of your highly illegal activity is documented, grounding it in stone. Copies of this Official Complaint will be sent to each entity below, and action will be taken against you to the fullest extent of the law. You are now notified, and will answer to my attorney*, and the governing bodies listed here. A copy of this complaint in email, paper, or fax will be considered original.

Proceed at your own peril,

CC: Federal Trade Commission

600 Pennsyvania Ave., N. W.

Wash. D.C 20580

Dept. Of Consumer Affairs

Complaint Division

66 John St.

NY, NY 10038

212-361-7770

Consumer Financial Protection Bureau: Handles FDCPA

http://consumerfinance.gov/

855-411-2372


Better Business Bureau

of Metro NY

257 Park Ave S

NY, NY 10010

212-358-2800

NYS Bar Association

1 Elk St.

Albany, NY 12207

518-463-3200

ACA International

PO Box 390106

Minneapolis, MN 55439

952-926-6547

Commercial Law League Of America

70 East Lake St.

suite 630

Chicago, Il. 60601

312-781-2000

Some Things Going On:

This is a copy of a case I was following. 2006

FTC Stops Nationwide Debt Negotiation Scheme

September 22, 2006

Sentinel 5162

As requested by the Federal Trade Commission, a federal judge has issued a temporary restraining order against a nationwide operation that claimed it could reduce consumers’ debt by up to 60 percent, leading many people into financial ruin and bankruptcy. The FTC charged five companies, including Homeland Financial Services, National Support Services and Prosper Financial Solutions, and their principals with deceptive and unfair practices in violation of Section 5 of the FTC Act.

“These defendants are charged with targeting consumers who were knee deep in debt and luring them with false promises,” said Lydia Parnes, Director of the FTC's Bureau of Consumer Protection. “Consumers should be leery of anyone who says they can eliminate your unsecured debt, or that you can pay it off for pennies on the dollar. Debt negotiation can be very risky.”

According to the FTC’s complaint, the defendants have falsely claimed that, for a non-refundable fee of up to 15 percent of a consumer’s unsecured debt, they could reduce all of their unsecured debts, including credit card balances and medical bills, by as much as 40 to 60 percent. To the extent that the defendants initiate negotiations with creditors, they typically have begun only after a consumer has paid 30 to 40 percent of the fee, which could be up to three months after a consumer has stopped making payments to creditors, as the defendants have advised them to do, the complaint stated. The defendants rarely have negotiated settlements with all of a consumer’s creditors, and even when they have successfully negotiated an account, in many cases, the settlement amount is significantly more than 60 percent of what they owe.

In many instances, the complaint stated, the defendants have not contacted a consumer’s creditors to offer a settlement, and consumers who have stopped making payments have been sued by creditors or debt collectors, resulting in garnishment of their wages, additional interest charged to their account, interest rate increases, and late fees. According to the complaint, many consumers who have enrolled in the defendants’ program have seen their credit rating worsen substantially, and typically within six months of enrolling, most consumers have left the program and have found that their debt has grown as a result of penalties, fees, interest, and other charges.

The FTC charged the defendants with misrepresenting how much they could reduce consumers’ debt; not adequately disclosing the likelihood that consumers would be sued if they took the defendants’ advice and stopped making payments to creditors; not disclosing that consumers’ account balances would grow from interest, interest rate increases, late fees, and other charges; and falsely advising consumers that negative information that appeared on their credit report as a result of participating in the defendants’ program would be removed upon completion of the program.

On August 9, 2006, the court issued an ex parte temporary restraining order against Homeland Financial Services, National Support Services LLC, United Debt Recovery LLC, Freedom First Financial LLC, and USA Debt Co, LLC, and their principals, Dennis Connelly, Richard Wade Torkelson, and Joanne Garneau (doing business as Prosper Financial Solutions). The order froze the assets of defendant Dennis Connelly and appointed a temporary receiver over the defendants' businesses. On August 11, 2006, the court extended the asset freeze to defendants Richard Wade Torkelson and Joanne Garneau. A hearing on the issuance of a preliminary injunction and the appointment of a permanent receiver is set for October 11, 2006.

The Commission vote to authorize staff to file the complaint was 5-0. The complaint was filed in the U.S. District Court for the Central District of California.

MotherGoddessEarth.com Nationwide Non Profit Corp.

For The Good Of The Many
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    • BrainFire profile image
      Author

      BrainFire 8 months ago from The Island

      Fireside Chat about Debt - Foreclosure - Debt Collector Abuse - http://www.FDCPAExpertWitness.org/

    • BrainFire profile image
      Author

      BrainFire 3 years ago from The Island

      Hi Mom of three boys,

      I have seen worse unfortunately. If it is regarding debt I would say they are stepping beyond the boundaries of process. You can pull your credit for free from http://annualcreditreport.com/ or creditkarma.com to get your list of debts to include in the chapter 7. You can get the documents from the US Bankruptcy court forms page. It will direct you to file it at your local bankruptcy court house. It's couple of hundred to file, OR there is a poor persons relief form you can fill out to have the court fees waived. Either way once filed it will hit pacer which is what will stop the collections. All debt related entities must check all accounts on pacer to verify if there was or was not a bankruptcy filed. It should happen quickly. If not you can also notify all creditors in writing to cease and desist all collection activity and that you are filing chapter 7. Also any debts included (any that are delinquent must be included) you may have made a payment on in the last 90 days (prior to filing) would have to be refunded. There is NO TIME TO WASTE, and it is totally to your advantage to file. Feel NO guilt, and know they have a tax write off to pay less TAX because of your unpaid debt. Unfortunately there is one drawback to that. (Without the bankruptcy being filed) All debts over $600 unpaid are counted by the IRS as additional self employed income for the year written off by the creditor. The bankruptcy will discharge the debt thus preventing this scenario. It is the appropriate thing to do in this situation. The clerks at the courts are usually very helpful. Remember they work for you...the people. Keep us posted either way! Thank you for posting this...it is happening to a lot of single Moms, and we want to help get the word out. Stay connected!

    • profile image

      mom of three boys 3 years ago

      I am a mom of 3 young boys working 3 jobs trying to stay above water. I know that I need to file bankruptcy and hope to do so very soon. I have a lot of debt. Recently I have had what felt like a "stalker" which I THINK is a bill collector. They sit outside my house for quite some time but kind of late at night. Then eventually come to the door (9pm) they don't just ring the doorbell and wait for someone to answer. They ring the doorbell, bang loudly on the door and repeat that for about 3 times in a row without a pause in between. It's just me and my kids so I am NOT going to answer the door that late at night. I did call the police because my kids were crying and terrified. Just as the police were arriving he drove off and the police didn't catch up to him. The other night it happened again! I was running to go pick up my middle son with my 4yr old and had left my 12 yr old home to do homework. He called me freaking out that the man was back at the door, (7:30pm) banging repeatedly...my son was absolutely terrified! Should I assume this is a bill collector? Why do they not leave a note of some sort? Is there something I can do so they don't come to my door again? I feel like this is harassment. Help!

    • profile image

      arnie128 3 years ago

      Thank you very much for responding to my posting.

      I will get a letter together disputing the amount due mainly for the counselor continually saying he firmly believed my wife wanted to work on saving the marriage, when I would continually inform him of all the signs, actions, and speech that were directly opposite of what he was saying. Even after my wife stopped attending counseling together, the counselor would continue to intimate to me to continue counseling. In doing so, it could possibly demonstrate to my wife I was genuinely concerned as well as working on and correct alledged concerns she claims were issues I had to be resolved. Keep in mind, I was concerned about myself being a better person for whatever I contributed to any problems existed. My wife never said she had anything to work on for herself to help reconcile.

      I had to share my personal situation with 2 other people, who after knowing what had happened, had the same feelings of doubt as I did. There were those close to her that knew her true intentions but she projested a deceptive image to everyone else so she could accomplish and finish her plan she had from the beginning. Having deceived the counselor is why he kept intimating to me to continue counseling. The counseling also obviously seemed to be biased against me which I did mention to both my wife and the counselor when in a session.

      Just so it doesn't appear that I do not want to or have not paid for any of the counseling, I have already paid over $4,000. It's the period of time the counselor continued to intimate I should continue counseling that I am in dispute of for reasons mentioned.

      I have already said a lot here in order to give enough information for why I dispute the balance of the charges but there is much more to this situation I will not go into for many reasons. Suffice it to say, my wife is not willing to pay.

      In a letter of dispute to the lawyer who sent the notice to me, I am noting the details shared earlier in the 1st message, emphasizing his committment to not stop counseling even for lack of ability to continue paying. Had he not intimated what he did to me, I would not have continued counseling thereby not accruing additional charges.

      If there is anything else that I may help offer to you in order to uncover any other helpful suggestions you may know of, Please let me know. What you have shared here is very good information which I will use.

      I will continue to follow your site to see if there may be any other information you may have after what I written here.

      Thank you for your assistance!

    • BrainFire profile image
      Author

      BrainFire 3 years ago from The Island

      Arnie Thank you for your visit and comment.

      First thing is to document everything in a letter of dispute. You basically have all the facts written here so incorporate them into it. If in fact someone/anyone proceeds to collect you will be notified in writing, and it takes a while. You should copy them (when that happens) with the official dispute too. Copy the credit bureaus too online. Verbal conversations will not work favorably so put it in writing. You could also make small payments or try to settle for less. The bottom line is whatever decree brought you to this point of having it in the first place is what will be the deciding factor. Such as divorce or court order. If none then possibly the (2) people who owe it can somehow find a way to resolve it together sensibly, and logically. I would need further info to elaborate.

      Thanks again for your visit:)

    • profile image

      arnie128 3 years ago

      I need advice. My wife separated from me during our marriage. There is a counselor she demanded to be the only one she would use for marriage counseling but he was not covered by my medical insurance. My wife insisted we use him for counseling, knowing it would require cash payment. I mentioned my concern about only having so much in savings to pay for however many sessions that would cover. The counselor stated, "He would not allow money to be an issue as to whether we used him for counseling. He would not refuse counseling if it came to a time I was unable to pay."

      During counseling, I continued to express my concern that I didn't feel my wife really wanted to reconcile our marriage by signs from her actions and speech. The counselor continued to say he believed she really wanted to work things out and encouraged me to continue counseling.

      Well, the time came I had just enough money remaining in my savings to pay for what counseling we had already attended, so counseling had to stop unless my wife would begin paying for it, which she didn't. My wife then stole a large sum of money out of my account without my knowledge or authorization. When she did this, it made it impossible for me to pay the outstanding balance on the account. I called the counselor and told him what had happened and asked if she had come in and used the money to pay the outstanding bill to which he said, "No."

      The bill is still outstanding since March 2011. During this time, I have sent a letter to him asking the balance be forgiven due to inability to pay now for several reasons, one of which is being unemployed. I have also spoken to 2 of his receptionists and explained my situation. One receptionist said she was authorized by the counselor to accept half of the outstanding balance as payment in full but no more than that. I asked her to please have the counselor call me and they both told me they would give him a message to call me to discuss the issue. I have also called twice and left messages on the answering machine asking for return calls to discuss. He has never responded to my letter or returned any of my phone calls.

      I continued to receive invoices in the mail but no correspondence or phone calls to discuss the outstanding balance. I have just received a notice from a lawyer requesting I contact them within 7 days from the date of the letter or pay the bill or they would begin collection action against me.

      I need advice immediately due to the time noted on the letter to contact them. What should or can I do about this? Please help!

    • BrainFire profile image
      Author

      BrainFire 4 years ago from The Island

      Thank you for visiting!

      JOEL SG, NXDODGER, LUXE19: Dispute it directly with the Credit Bureaus: http://AnnualCreditReport.com/ You can demand they remove it, and add a 100 word dispute statement to your profile for FREE. Usually it will take approx. 2-4 weeks to remove it.

      JUDGMENT: First pull the court records from the court and review them. See if you were actually served, and what the particulars were. Should contain all the documentation your need. Possibly there may be an option to file and Order To Show Cause. More details are needed. The IRS will be notified for the amount that you don't pay. A 1099 is issued as 'Self Employed Income' which offsets your annual return. I would not advise doing that unless the tax situation is stable and can afford to become open to audit. We have attorneys and tax specialists on call if you would like to speak to someone. Our attorneys and specialists provide free consultation because you are coming from non profit. If you feel you need help please call 516-847-2209 and we can discuss options for you to take some action to correct this.

      CABLE: Dispute it directly with the Credit Bureaus: http://AnnualCreditReport.com/ You can demand they remove it, and add a 100 word dispute statement to your profile. Usually it will take approx. 2-4 weeks to remove it.

      On Paid/Closed accounts: You write and official dispute to them certified return receipt requested and then dispute it directly with annualcreditreport to demand they remove it. Please do keep us posted on the results. And/or you can reach us @516-847-2209 to have the situation reviewed.

    • profile image

      luxe19 4 years ago

      I am in need of some advice myself. Back in 2007, I was engaged to my ex-fiance and I co-signed a loan for him of $2700.00. We split up in 2008 and the loan went faulty. We received a few phone calls to settle the debt, but I believe they had a lien on his home so they received the payment in full. Low and behold, this week I received a phone call from the company still trying to collect the debt. They were telling me that the amount was up to $5052.00 with interest and they would be willing to accept $3200.00, but no less than $2700.00 (if paid in full). I told them I was pretty sure the debt was paid and taken care of years ago so I asked them to email me documentation of this information. The only thing they sent to me was the original contract. No paperwork stating what the debt has accrued to with interest. No offer on what they would accept. No disclosure stating that I had 30 days to dispute the debt.

      I checked my credit report and the status of the loan is "Paid and Closed" as of June, 2009. The balance is listed as $0.00. It was a "revolving" account and also states in the report "pays as agreed." I have no collections on my credit report.

      Can the lender reopen the closed account and try to get money from me? Or is this proof enough I don't owe them anything? It never went to collections, it is still with the same company. They are continuing to call me at work but I am trying to get to the bottom of this before I officially give them any answers. Please help!

    • profile image

      Nxdodger 4 years ago

      Another issue that I am looking for assistance on: had a cable co account for our home cable service. We closed the account to switch to a new provider. Turned in our boxes and paid the last payment. Now it seems as though it has been 3 months and there is a $485 "complaint" or negative entry on my credit report from the cable company. I called the cable company and they say I have a zero balance and that I need to contact the collector. I called them and they never answer the phone....I keep sitting on "hold" while music is playing. This is on my credit and damaging my score. what should I do?

    • profile image

      Nxdodger 4 years ago

      I have been reading your page here and was hoping to get your opinion. My husband and I are trying to do a re-finance and we are not able as there is a judgment on my husband for $2290. Apparently the payoff is somewhere around $7900. I called the lawyers to try to make a settlement on the judgment but they wouldn't settle for anything less than 90% of the debt. Realistically we can only settle for about $500. Should I pursue this settlement so we can re-finance or forget it? I did read your comment about post judgment settlements and that the gov't would send us a 1099. How does that work exactly? Do you have any suggestions what we can do? When I contacted the lawyers for a settlement, they could not provide me with any info on how they arrive at the amount of interest that they had charged. Settlement was placed on 10/2010 and I was reading that they are only allowed to charge max of 6% in PA for post judgment interest. How did they end up charging $3800 in interest? I thought a judgment was a judgment...2290. The law office said that they couldn't find the paper from the courts stating how they were allowed to charge interest. Does that mean it may not be valid? Do you know of anyone who has settled post judgment? Is it worth "barking" up this tree for a settlement, seeing as how we only have $500 to put toward it? Any way around it so that we can re-fi? thanks.....ps your site is really informative

    • BrainFire profile image
      Author

      BrainFire 4 years ago from The Island

      Thank you Tamyra for visiting.

      You have options and you may learn of more with your state site being you are disabled. You would likely qualify for a chapter 7 in bankruptcy, have you looked into that? You can file yourself for around $250, and can get the forms online from the federal bankruptcy court web site.

      http://www.uscourts.gov/FormsAndFees/Forms/Bankrup...

      I would recommend calling legal aid to see if they help in any way too. Unless you have assets to liquidate the options are to file and gain relief from the debt. The bill collectors will all be notified and hopefully stop calling. If they don't please alert us! We have some ways to help. Hope you feel better and do stay in touch! We would like to hear how things went, and if you still need help. Take care and thanks again for visiting.

    • profile image

      Tamyra Holden 4 years ago

      I have been on Short Term and Long Term Disability since Jan. 2012. since Feb. 2013 I have been on unpaid medical leave and have not paid my credit cards. I have no one to help me pay these,so now I am getting letters from collection agencies. I have filed for disability and been denied 2 times,also have retained a lawyer. What can I do in this situation?

    • profile image

      Tina Conroy 4 years ago

      Just received another phone call from them.... So thank you for getting back to me will work on the cease and desist letter tonight...and same to you have a great day...

    • BrainFire profile image
      Author

      BrainFire 4 years ago from The Island

      Thank you for commenting Tina.

      To first answer your question. NO they cannot foreclose in a couple of days like what you describe. If they are actually saying this when the loan is not even delinquent that is a violation, and very odd. There would be no reason a current account representative should even mention a word of any foreclosure, or do you want to keep your home.

      Write up a cease and desist letter putting them on notice to stop calling you, and instruct them to communicate in writing only. If they fail to do that, it's another violation which will build a case against them should they choose to continue.

      If you have a real problem getting them to stop please alert us and possibly someone at the non profit can draft a dispute for you. All work is done on a donation basis and tax deductible.

      We are seeing patterns of this activity and are reporting to the authorities. Eventually we will be filing a case on behalf of many. So stay tuned and keep us informed on your results, or lack of. Thanks again for visiting. You can email us at AlertPatrol@gmail.com too with any questions. Have great day!

    • profile image

      Tina Conroy 4 years ago

      Hope you can help my husband and I have a second mortgage with Greentree are payment is due on the 18th of the month and I have a 15 day grace period. If I don't have the payment to them on the 18th the next day the are calling looking for the payment. I have to say we have never paid a late fee because the payment is always their before the 15 days are up. If I answer its the same thing over and over. They told me one time when I told them I had a grace period of 15 day they told me I did not. So I ask for them to put it in writing then they put me through to a manager. They asked my husband if we wanted to keep are home. This goes on every month. Since the taken over the mortgage from capital. What I want to know is can they foreclose on us if we are a couple of days late and how can I stop these phone calls. One time they even called my mother and sister.

    • profile image

      Anita 4 years ago

      I got a settlement letter for a old traget credit card I had it was in spanish I called to see what it was about and it turned out it was for a old target card I had. The last time I made a payment on it was July 7 2010 I live in Maryland my sol is three years my three years is almost up. They just got the debit in April of this year. Would I be safe in just letting it go till July when my sol sets in? Its only for 470.02. After I talked to them I did check my credit report and there is no Midland on my credit report at all I was wondering why they werent on my credit report too? I havent made any payments or promises to pay or anything just called to see who they were since I dont understand too much spanish. Please hlep me! Thank you. My email is webera66503@yahoo.com.

    • BrainFire profile image
      Author

      BrainFire 4 years ago from The Island

      Thank you Ann and ih8tboa:

      I am sorry to hear so many are having these problems. I understand completely how frustrating this is. Please feel free to contact us at the non profit for further help. There are ways to take action and we will certainly educate you how as well as help you take care of it. All services are on a donation basis and fully tax deductible. Please feel free to give us a call-or email-text-chat us@ 516-847-2209 - AlertPatrol@gmail.com

      Thank you for visiting us on hubpages you will find a good community here.

    • profile image

      Ann Mitchell 4 years ago

      Hello. I'm currently being threatened with a lawsuit for a debt I pain in full in 9/2011. They are incredibly rude to me when they called, gave me 72 hours to come up with proof and called me back in 48 stating they had sent my file to litigations and to wait to be formally served. I have letters from the credit agency that I paid stating this is paid in full. I'm angry. I'm not at all worried about being sued because I have plenty of documentation that this was paid a year and a half ago, but I'm angry and wondering what I can do to them to make them never harrass anyone else like this again! :( my email is annmitchell311@gmail.com thank you

    • profile image

      IH8TBOA 5 years ago

      I live in SW Florida and I was not coerced. I had done a modification a couple years ago but no principal reduction was done. They just re-worked it and lowered my interest which dropped my payment about 200 dollars.

      My wife was a school teacher but due to an unplanned third pregnancy, she is no longer working. It was actually going to cost us more to have the baby if she went back to work so she decided to not waste her time.

      We currently have an offer for a short sale and the offer is into BoA but still waiting on them. I am just sooooooo sick of BoA unprofessional-ism and lack of common sense. It amazes me how such a large corporation is run so poorly and still in business.

      I have not had a chance to read all of the link you sent but I will try to get to it tonight. Thanks for the reply and any help.

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Also...possibly it could be in violation of the "consent judgment" entered against them. Please do let us know if there are continuing problems. Everyone is in this mess together. Depending on your area it's likely I have an attorney I can refer you to. Feel free to continue updating the post. Thanks again for visiting and sharing this. It is a growing problem among all the banks from what I am witnessing daily.

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Welcome to the robot age my friend. I experience the very same thing helping members of our non profit. If you dare to ask a question that is not on their script, they simply repeat what they previously said. This is a mindless entity you are dealing with so always remember that. There is NO policy of sympathy or consideration for humans in this structure. It is entirely geared for profit alone.

      Is a short sale what you wanted to do? Were you coerced into it? Was modification with principle reduction offered. I need more details and the state.

      I would like you to read this: https://d9klfgibkcquc.cloudfront.net/Consent_Judgm...

      From the link: http://nationalmortgagesettlement.com/

    • profile image

      IH8TBOA 5 years ago

      I am currently in the process of doing a short sale on my house. I have not paid my mortgage in about 6 months and of course in the foreclosure process. I get a call about once a week from Bank of America (my mortgage holder) asking me the EXACT same questions every time. I tell them the same information and they say they put it in my file but come the following week I get another call from a BoA representative asking me the same questions. I finally lost it today on the lady when she asked me if there was anything else she could do for me and I stated could you please put it in my file that I do not want to be called and asked the same exact questions over and over. The representatives reply was I am not able to put that in your file. I said of course you can not and have a nice day and hung up on her. I then came on the web to look for some help and came across this website. Any advice?

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Hi joylynnpugs

      The funds have not been released by the bank. Bring the order to the bank and demand they release it immediately! Awesome job and don't take no for an answer. They should not charge you anything, let me know if they do. Demand to speak to the branch manager and get him/her to waive any charges since it was a bogus judgment in the first place. Nice to hear you are getting results! Please keep us posted:) Thanks for posting and visiting.

    • profile image

      joylynnpugs 5 years ago

      I have a question. 7 years ago a default judgment for an account that is not mine was entered. In Jan this year my bank account was levied. Since I have filed a Claim of Exemption then a Motion to Vacate which was granted yesterday. I have sent the Plaintiff the Order. How long and what do I need to do to light a fire under their butts to get my money back? Thanks (in CA.)

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Hi vvdavis and and Raychel

      Sorry to hear about all these scenarios invading peoples lives. If only people would do what they are supposed to do... things like this could be totally avoidable. Gee I'm so surprised to hear you are having a problem with men...

      vvdavis: It's a commercial debt, they cannot attach an arbirtrary name to it to turn it into a personal debt. In commercial collections there really are no laws governing them unfortunately. From what you describe they have a case that will not fly in court, especially against you. Possibly against the new owner, but not likely. Unless there is a personal guarantee from either the old owner or new owner and prove the debt is owed to court it's likely to be uncollectible. If you would like to provide further details please feel free. I'm guessing on particulars due to not having the whole picture. If it continues you can keep us posted to find a way to guide you. There is nothing they could really do to you you don't own the company. They shouldn't even be pursuing you if they really want to collect it.

      Raychel: without knowing what state you are in, and how much time has gone by since the original incident I will try to answer with some ideas for you.

      If you were not served, or interference is involved in you being notified then the court may accept this as a reason to file an "order to show cause". (It's free). Also you always have a right to proof and itemization break downs of all alleged charges. I personally would not be OK with anyone entering a judgement against you. It sounds to me like it was enetered by default which means you didn't show. If you weren't notified in order to show then that would substantiate that. The fact that he called you the day of, and likely received "return mail" from anything that "may" have been sent to you would indicate to me that he was in fact "manipulating" the situation to his advantage. Meaning: he likely knew that you DIDN'T know and proceeded to gain an advantage for himself, and monetary gain.

      I personally would counter sue him, and file an order to show cause at the same time. Harassment, deceptive practices, failure to notify, or verify a current address. Depending on which state you are in the land lord/tenant laws will prevail. YOU definitely have rights here that have obviously been ignored, and taken advantage of at the hands of men. Hmmmm more proof of the continued destruction of our society.

      Call the clerk of the court and find out about filing an order to show cause. Put a dispute in writing to cease and desist all collection activity and demand proof of the alleged balance. You may also want to consider filing chapter 7 if you don't have the ability to pay. I would exercise that right if the math dictates it. Keep the emotion out of it too, strictly business.

      Let's acknowledge another large aspect of this scenario. I believe a Matriarchy is what will save humanity, and the planet. My belief of this is based on mathematics, science, statistics, and major research and psychology studies. Here is a woman being abused by one man (on the personal side) and another man (opposite the abuser) abusing her publicly. Failing to make an effort to resolve something, this man merely launches a usual attack...caring nothing about what is right, respectful, or CORRECT in order to resolve a very miniscule problem (in the grand scheme of things) and yet he "chooses" to jump right into the "hate" side of things. Kill the women and children first tyrannical policy of patriarchy...our current society.

      This current completely FAILED society of of tyrannical slobs who by the way ARE A MAJOR TURN OFF to me, and most other women...whoooops did I just write the truth...Oh shame on this tomboy who will not take anymore of your boring - underwhelming - cheap - thoughtless - inconsiderate - deceptive - selfish - lame - inept - unproductive - disrespectful - dysfunctional bullshit ever again. Words seriously cannot describe my fury on this subject. Monumental Major Turn Off - The stats on men are indicting SERIOUS LONELINESS now and in the future. Check the dating sites guys!

      I likely have an attorney who can help you too. If you need one you call and I'll try to connect you with one. You can handle it pro-se and or file chapter 7 if necessary. Keep us posted and stay clear of selfish men! Consider joining the Matriarch Church and Non Profit! It sounds you belong with us! Be well and visit again!

      AlertPatrol@gmail.com 516-847-2209 http://matriarchlifestyle.webs.com/

    • profile image

      Raychel 5 years ago

      Good Morning,

      I recently received a notice to garnish wages from a person I use to rent a house from. The garnishment is coming from a water bill he said that i didnt pay. The situation goes like this, when I first moved into the house they said the water bill would be included in rent and then I later found out it wasnt. The total amount of the bill was originally $544.00. I had agreed to move out of the house early, as they were moving back from Arizona and wanted to see if I would mind ending the lease early. So I found another place to rent and moved out. Towards the end of December 2011 I had been physically assaulted by my live in boyfriend and found myself homeless for a few weeks, having to stay with family until I could gather my belongings from my prevous residence to move into a secured apartment building. Apparently during this time the previous person that I had rented from had tried to have me served with certified mail that he was taking me to court to get a judgement for amounts owed after I moved out of the house, the notices were mailed to my house(where my ex lived) and I believe he signed for the notice, but I never received it. So basically I was never notified for the original court date until the morning of when the landlord sent me a text asking me if I was going to attend court that morning, I couldnt attend because I was an hour away from the courthouse and I was at work. So the landlord said he wanted me to fill out a settlement form, sign it and fax it to the court house and he would have the judge sign it and we would set up a payment agreement. He then called me later that day and said that the judge didnt approve the settlement. And roughly a week later I received paperwork from the court that a judgement was entered and it was for the full amount of $1544.00 (this amount has me baffled because I didnt ever owe that amount) so I contacted the landlord several times, with no response from him. Finally after a few weeks, he and I talked (after I was served with a notice to garnish wages) and he said that with all court fees included I would owe him $744. and as long as I made monthly payments for three months, and had that amount paid off, he would consider the balance paid in full and send a satisfaction letter to the court to say the judgement was satisfiyed. With this communication from him, I didtn even think of contacting the courts to make sure that payments were being recorded and that he coudlnt move forward with garnishment. Well I started to make payments to him, the first two payments were cashed, and the next two were not cashed. I hadnt heard a thing from him, so I figured he was busy and had payments and that things were fine. Then roughly a week and a half ago, I and my employer received notice that garnishment would start and proceed until a balance of $1844 was paid off. I have sent copies of the checks that I paid to him to the garnishment offices, adn they are telling me that he has not reported any partial payments to them at all. They told me that the garnishment would continue unless they heard from him that the payments were in fact for the past due balance in the judgement. My question is, what forms can I use to request the original court that placed the judgement against me, quash the judgement and assign a new hearing, being that I was never notified of the first court date and that I am making payments for the water bill, and the balance is less than what he is saying I actually owe.

    • profile image

      vvdavis 5 years ago

      I work for a company that bought out the previous company 2 years ago. One of the debts the old company was responsible for was a long standing multiple magazine subscription. The new owner refuses to pay the debt and besides having written to them we have also tried to explain over the phone. Now it has gone to collections. Instead of talking with the owner of the company they insist in talking to me (I am the accounts payable clerk). I have repeatedly tried to tell them when they call that I have no authority to issue payments that they need to speak to the administrator (who IS the owner). They argue with me and say it is my name on the account, and that they will only talk go me personally. Any suggestions would be greatly appreciated!

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Monica:

      Thank you so much for the kind comments! It definitely pays to be educated for sure. I am glad to hear this. Be sure and visit http://annualcreditreport.com/ to check in on your credit now and again.

      Be well everyone! Enjoy the moments in between the collector calls!

    • monicamelendez profile image

      monicamelendez 5 years ago from Salt Lake City

      I wish I had read this hub a few years ago. I had collectors all over me and they were making all kinds of threats and calling my parents, even though I wasn't a minor. They would call me multiple times every day even though I asked them not to. The stuff they will say to get you to pay is seriously insane. Thanks for a lot of good advice. I'll be a lot better equipped to deal with this situation if I ever get into trouble again.

      You obviously care and are trying to help people out and it makes me really happy when I see that on the internet. Thank you sincerely,

      Monica

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Thank you Bradley and Laura for visiting and commenting!

      Bradley: First they already have lien on the bike. It's unlikely that they will put a lien on a home. I handle these types of things, and even defaulted loans on cars are not being repo'd as it used to be. It sounds to me like they are trying to scare you into something. For a bike the worst they would do is repo it and sue for a deficiency balance. To attach other vehicles it very costly with the sheriff and fees. It is not the usual though. Plus if they're in another state from your location they would be required to place it with an attorney close to you. If you haven't been sued already, it's going to take a long time for them to get any judgment on this. All the threats I'm hearing are premature, they are not allowed to threaten you with something they themselves cannot actually do! Give this some thought, and if necessary call/email me at the church and non profit and we can discuss some actions that can be taken. I just need some additional details. Either way they are a long way off from having a judgment if they haven't actually started yet. Feel free to reach out to AlertPatrol@gmail.com or 516-847-2209. We work on donations to do this for people, and we're not stopping!

      Laura: What a nightmare, and it sounds like a scary movie! I don't take this laying down, and do think it is fate that may have connected us. I have witnessed this with many other brokers, and there are many who are facing charges for a myriad of violations. All of us need to be extremely scrutinizing when we are placing a fiduciary responsibility into another persons hands. It is imperative that everything be documented, and verified to be true and accurate before handing over monies to culprits who may waiting for the unsuspecting victim to come along. Unfortunately you could be a genius and still be taken for the ride of your life. I have been witness to too many cases of very smart people being taken for everything they have. I myself do not take kindly to these individuals and have literally spent my working life going after them. I am so sorry you had to go through this. It infuriates me beyond words.

      I am glad to connect with you and will certainly help any way I can. Our people are in grave danger, and we all must stick together on this. We are the most important part of a functional society, and since we are forced to re-create our society I believe we need to create our future with more stringent methods of dealing with these culprits. I for one am very motivated to help, and resolve this through readily available solutions. I LOVE life, including your life, and your child's life, and so on, and so on. That makes me fight very hard to preserve our future. Our people are the largest team of all, and we are in this together whether that is acknowledged or not.

      My quest, and the church and non profits quest is geared to benefit and protect the good of the many. I am still ill from this cellulitis but working none the less. Many times I have worked from a hospital bed! There is no such thing as time off for me. I thrive on conquering the evils of the world, while building a much better, more productive future for all of us. Read about what we have planned here: http://matriarchlifestyle.webs.com/

      It is for all of you that we work so hard. I and my very prestigious team believe YOU are worth it! Take care and be well!

      AlertPatrol@gmail.com or 516-847-2209 10am to 10pm 7 days...church and non profit services.

    • profile image

      Laura Gibson 5 years ago

      Dear BrainFire,

      I just emailed you and want to use your non-profit network to help me--and thank you for that!

      I also posted eight weeks ago about the horrendous problem caused when my disreputable stock broker lost all of my money in August, including the $178,000 I needed as collateral for a bank loan; now the bank is going to issue a judgment and said that I have defaulted on the loan because of losing the collateral, which I cannot replace except in home equity. I did offer to sign that over but was three or four days late in submitting the paperwork since every time I touched it I started having a panic attack. And the bank refuses to budge--even though I NEVER ONCE in 18 years paid the loan late or missed a single payment.

      I desperately want your help and will make a lovely and substantial donation. But I am posting this since I thought it should be sent out to the public since... I just discovered in the last few days that it may be illegal and is certainly unethical and a violation of his fiduciary responsibilities for my broker to put MARGIN on my collateral account, as he did three years ago. The individual stock had been hypothecated when it was held SAFELY by the bank but the BANKER suggested I take it the local broker--who happens to sit on the bank's board of directors and was actually one of the bank's founders.

      Conflict of interest? And the banker knew that the collateral account had margin on it. Since the broker in essence put conflicting pledges on the account (and then lost every cent in it), he also gave it DOUBLE RISK--and is apparently LIABLE for losing MY collateral because of this.

      I believe I have great cause to have this action stopped because of the broker's actions and the banker's lack of oversight---HIS fiduciary responsibility. I did contact my family attorney but he is so busy that he has nothing in a week. I'm quite certain he is not familiar with this area of the law anyway and would be of little help.

      BUT YOU WILL BE--I know it.

      Please check your email and I will follow up concerning this frightful experience that has challenged by sanity and my health; I have been so stressed that I fell down the stairs the day after my cast was removed from foot surgery, re-injured my foot and damaged my neck--and had TWO MORE surgeries. I am a mess. But after reading your profile and crying a good few minutes in abject horror for what you have endured and then crying in unbelievable respect for you as a person, I wanted to post this. If more people like you filled the world we wouldn't have all this turmoil and stress--since most of the earth is filled with honorable and good people. I commend you and look so forward to working with you if you will help.

      I am in awe of you, to be honest. THANK YOU! I needed to remember to smile, needed to remember that good people are all around and want to help. My email starts with the word MAGIC...which is what you are to me at this low time in my life...

      Thank you, sincerely,

      Laura

    • Bradley Schroeder profile image

      Bradley Schroeder 5 years ago

      I have a question, a loan company that my son borrowed money from and I cosigned for are calling me and threatening me with putting a lien on my home (after taking me to court and everything) if I don't pay by a time period. I have paid a few months for my son on this loan and been dealing with this, but I can no longer cover this loan unfortunately for him but the loan company says they will go after me. Now my question is this, if they put a lien on my home, can they attempt to go after anything else I own as well? If not, can they remove the lien and then attempt to go after anything else I own? I have a motorcycle that is titled under my mother's name and mine (in order to ride it and get insurance I had to have my name on the title), can they go after this motorcycle or any part of it seeing that I am only "part owner"?

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Thanks so much Candigurl!

      Interestingly I was exposed to the hantavirus, more than 3 times and I am so happy to report I am alive! Hopefully everything will turn out ok, they have me on so many meds at this point, but so far so good. Supposedly it's my Rh O Negative blood that may have saved me. Only 3 cases in Pa lived, and they were that blood type too. Very scary experience for sure. Everyone be very careful with any kind of mouse or rat droppings. There are more rats on earth than people! It's everywhere they would hide and run. It's a very dangerous thing to encounter to say the least. Be well everybody!

    • profile image

      candiegurl 5 years ago

      Sorry you were hospitalized but glad everything worked for the best - We need our health! Thanks again and I will keep you posted....

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Hello Candigurl and Brian

      Thanks again for visiting. Sorry for the delay but I had been exposed to a deadly bacteria and had to be hospitalized. I think I am OK now and working towards a solution.

      Meeting of creditors is standard, and it is a formality. Nothing to worry about the facts are the facts. By the time this is done you will be a pro and be able to help others who need guidance. Once the bankruptcy is discharged everyone will be notified. Please do keep us posted and again sorry for the delay getting back to you.

      Brian it probably best to put a letter of dispute with orders to cease and desist from any further activity with you. You can demand copies of this alleged bill and sue them for harassment. It may be a case of identity theft also. Go onto http://annualcreditreport.com/ and take a look at how things are appearing. It's a good place to start. You can also put a fraud alert and 100 word statement of dispute. With a specific phone number to call you at if credit is to be granted. Please let us know what happens as this is an important thing for everyone to know, and be aware of. Best of luck feel free to post any further issues.

      Best regards!

    • profile image

      Brian Hopkins 5 years ago

      I came across this site. I had Verizon harase me via collection agencies for two years on an account that wasn't mine. I've never had any kind of account with verizon. Verizon would not send me a copy of any kind of signed contract, agreement, or service record. I've attempted to resolve via phone, BBB, FTC, and local police department. No one will do anything. I've been out of work for 3 months due to short time memory loss and I know that having to deal with verizon contributes to my condition. If there's ever a class action suit, count me in.

    • profile image

      candiegurl 5 years ago

      Hello - what should I expect from the Meeting of Creditors and Trustee in a Chapter 7 case? just want have a idea of what to expect before hand. Feel a little anxiety and nervous...

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Update: I am now going for my P.I. License. Unfortunately the rampant fraud and deceptive practices are becoming much worse than anticipated. I will update everyone as we progress. My services will offered through church and non profit services in the same way. We help all members with education, preventative measures, and methods to protect themselves in this volatile world we now live in. The numbers of scams I am seeing is shocking. Please beware people! There is danger around every corner!

    • BrainFire profile image
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      BrainFire 5 years ago from The Island

      Hi Student Loan, and Mel

      Thanks for visiting and commenting. And let's not forget OMG who wrote the ignorant comment I deleted. (I track IP addresses smart ass) who's the idiot?

      Student Loan the accurate balance would include any interest due the government and the principle balance. If they paid any cost that could possibly be added too. I would not recommend settling for less unless the government themselves allows it, and it's absolutely necessary.

      Mel anyone can file bankruptcy. Pick up the kit at staples or officemax and file chapter 7. If you need an attorney I work with many, but you can file this Pro Se. It's a couple hundred to file, and the clerk of the courts will assist you in the process. You can file up to the very last day at 8am in the morning and stop everything. If you have further questions or do end up needing an attorney I'm sure I have a good one for you. Feel free to reach out.

    • profile image

      Mel 5 years ago

      I have credit card debts I cannot pay. Can I file for bankruptcy on my own? I have no assets in my name (house or car) Also, I recieved a notice today that I have to appear in court for one of the debts. Can I not go if I file bankruptcy before the court date?

    • profile image

      Student Loan 5 years ago

      Thank you for your reply and all the useful information.

      A follow-up question regarding William D. Ford Direct Loan versus a settlement:

      I am under the impression that I will at least be able to try and negotiate a lump sum payment that will reduce the interest and collection costs but not the principle. Are you stating that this is a bad idea and I will be subject to a 1099, or does this only apply if I was able to reduce the principle?

    • BrainFire profile image
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      BrainFire 5 years ago from The Island

      Hi:

      Thank you for visiting and commenting. I would not recommend paying less than the full balance on any education related debt. Unless it's with William D. Ford, and forgiven after 25 years. In 30 years of experience with this I have never personally settled a student loan for less. It's not a good thing to do for several reasons. I'm doubtful it would be offered unless it's just tuition. All debt over $600 is subject to a 1099 from the IRS. If you pay less than the full amount on any debt it offsets your entire tax year, and causes additional income to appear that you will be taxed on.

      It's best to get the loan(s) over with William D. Ford, because they will handle it appropriately. Plus if it's a large amount they will make it affordable, or defer it accordingly. As opposed to dealing with collection agencies you will get better results, and keep your information protected. If you are unable to pay, you may qualify for a hardship deferment which I would take advantage of if you can.

      As far as the guarantor anything is possible. They are humans who handle a lot of documents. I have never seen a loan rejected, so I'm assuming it's an error. Contacting a supervisor there may nip it in the bud. Either way if you are unable to pay there is not much they can get from you. There is no way out on student loans, so it is best to get them properly situated before it escalates into more problems. Be assured just about any arrangement can be made to facilitate something for you. Please feel free to post any additional details. Best regards!

    • profile image

      Student Loan 5 years ago

      I have a defaulted subsidized student loan and have the following questions regarding a resolution:

      1) Negotiation tips. I am aware of the Ford Direct Loan Consolidation program that runs thru June 30th. However, I would like to attempt to reach a payoff settlement (with the financial aid of others) before I go to Direct Loan route. Any tips on reaching a fair settlement?

      2) Commissions. Do I have a bargaining chip with the Direct Loan option? Under that plan they would get their collection fee paid with the new consolidation, but how much more would they get paid if we reached a settlement (I understand that would depend on the settlement amount)?

      3) Settlement. Can I pay, or request to pay ED a settlement instead of the guarantor, or the guarantor instead of PCA? Would feel more comfortable sending settlement payment to Department of Education or even the guarantor than the PCA. Is this an undue concern?

      4) Received a letter from the guarantor that they had removed the offset and sent the loan to ED. Been unemployed for a while and thus far have not applied for any public assistance aid, so there was no income to offset. Called ED and was told they never received the loan. Guarantor replied that ED rejected transfer. Called ED again and they stated they never reject a loan sent to them and told me to call guarantor and get info on their rejection claim. Guarantor has not responded to that request. Guarantor sent it to a PCA. No interest from ED other than to say that sometimes guarantors make mistakes. Any thoughts on what this is about?

    • profile image

      candiegurl 5 years ago

      Okay - thanks. I will keep you posted.

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Hi Candigurl:

      Then that does mean what he said to you is incorrect and in violation of federal law. If he has to refer it to another attorney, then he cannot threaten suit. Referring it to another attorney takes a whole lot more time than a day. Then if that attorney takes the case, he has to notify you in writing in which you will have 30 days. Then they have to hire a process server, and locate attachable assets. If they are able to serve you successfully it would be logged on the court calendar for many months before any judgment would be entered. It takes quite a long time to accomplish this. You have time to formulate a strategy for this.

      You may want to visit http://annualcreditreport.com/ to see all your accounts on all 3 credit reports. Reach out to consumer credit counseling for the voucher, and that will confirm which chapter. Please feel free to post any further details. Once it is confirmed you will filing you can tell them when they call. They should back off then, and not call you again. I hope this helps guide you and you can always reach out if needed. Take care!

      Best regards!

    • profile image

      candiegurl 5 years ago

      Yes, he mentioned that he would refer my case to a lawyer in my state/area and they will pursue a civil judgement against me. I think it best for me to pursue the Bankruptcy route. Thanks again!

    • profile image

      rex 5 years ago

      Hi i was wondering if by chance it would be possible to ask you a few questions via email..

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Hi candigurl:

      If you are not in Ca. they cannot sue you. They would have to refer it to an attorney in your area. So I'm not sure who you are talking to, and if they do not have the actual power or ability to sue you directly then they cannot even threaten you with that. If they have an office in your state/area then possibly. If you need further help feel free

    • profile image

      candiegurl 5 years ago

      Oddly enough the law office just called me and mentioned, which I misunderstood initially because I was very emotional - they would like to settle with $13K offer waiving the interest - $6K down payment with monthly payments thereafter - not sure if this is a good deal or proceed with the bankrupcy route - I do have other small debts but all are current.

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Thank you for the blessings!

      I recommend doing a quick analysis of total finances v. total debt. The mortgage is separate from unsecured. It would probably be exempt. The debt however will be put on a settlement amount to pay out over 2-5 years. You may still qualify for a chapter 7 so don't rule it out yet. There are minimums and maximums to be applied to see which direction you should take. If you can get all the unsecured debt discharged under a 7 then file that one. You will need to contact consumer credit counseling first to retrieve a voucher. Base all this on how you want the future to go. Feel no guilt or emotion about this, it's is ALL Business! Proceed with confidence:)

      Either way we're always here to reach out to. alert patrol@gmail.com or 516-847-2209 10am to 10pm daily.

      Best regards!

    • profile image

      candiegurl 5 years ago

      Yes, my mortgage payments are current under new modification which was successful! I will decide - just want a fresh start financially and I am head of household with a pretty good salary. Thanks again for your help with this. Had been in prayer about this situation all week and couldn't seem to get a breakthrough for direction from God and just this morning I heard in my Spirit saying "the answer is within the question" so I went downstairs and found your HUB and posed the question to you and the rest is history! God is certainly great!!!!! Bless you and I will keep you posted....

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Hi Candigurl:

      Yes a chapter 13 would be in order. Same applies it's included in the bankruptcy kit. The filing fee is more than a chapter 7. You can find out the fee by calling your local court house. Speak to the clerk of the courts. He can answer any filing questions. If you are head of house hold, and the home is current/delinquent the mortgage can be reaffirmed/redeemed/exempt and modified accordingly. I have clients coming out of a 2-5 yr payout in chapter 13, and they now qualify for new mortgages, and loans because they made the bankruptcy payments on time. It's affordable, and the amounts of debt will be reduced. It's a protection that is necessary to protect your assets, and rights. If you need further help please let us know. Best regards!

    • profile image

      candiegurl 5 years ago

      Thanks for your immediate response! I am currently a homeowner so is Chapter 13 mor suitable for my case?

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Hi Candigurl:

      Thank you for visiting and commenting. This is very typical, and the part about monthly payments, well that was ignorant of him to say that to you. He should have taken the money and run. Very counterproductive. It sounds to me like you qualify for a chapter 7 protection. This debt will likely never go away, and will continue to resold for the next 10 years. You need to simply decide if you want that type of activity in your life. It's debt, there is no emotion so you should make your decision based on if you have no ability to pay, then it would dictate that you file a chapter 7. It is appropriate for your situation. You can pick up a bankruptcy kit at staples/officemax for like $20, and it's around $200-$300 at the court house to file it.

      Do not feel bad about filing this, they don't feel anything for you. All they want is your money. Never take food off your table to pay a bottom feeder! After he hangs up with you, he's onto the next one to see what he can get out of them. I for one would never give these people the opportunity to cause any change in your life. Take the actions to protect yourself, and start building your new future right after the bankruptcy. Do not apply for any loans, you will be turned down. It's just going to cause inquiries on your credit.

      Feel free to reach out if needed, we are church and non profit. We work on donations to help people. We also have many attorneys who work with us if you need help. Don't let anyone intimidate you over the phone, and don't volunteer any information. Make your decision, and go forward. The courts will notify them and you will never have to speak to them again. Focus on your life, and your future...that's what really matters now. If you need further help you can reach us @ alertpatrol@gmail.com or 516-847-2209

      Main site: http://matriarchlifestyle.webs.com

    • profile image

      candiegurl 5 years ago

      Hello - Very good and imformative information. Thank you. I had taken out a loan in 2003 in the amount of $20K and fell behind drastically due to personal a setback as was not able to keep up with the payments. This debt is now with a law firm in CA (which was sold to them from the original company) and they are asking for a settlement of $13K. Before it was sent to them I was paying $300 per month on time until I could come up with at least a settlement amount to pay it off but they sold it anyway. I has been hard even now to come up with this amount of cash at one time - even half. The lawyer mentioned that if I cant come up with even a down payment they will have to proceed to file a judgement against me. He asked the name of my financial institution in the meantime. He also advised me to keep in contact with them by phone to show that I am serious and proactive in settling the debt - He didnt seem nasty or arrogant but very direct. He also mentioned that it would not make sense to make monthly payments because the debt is very old and interest would keep accruing everyday. He agreed to waive the interest which resulted in a final settlement of $13K with maybe a down payment of $6K. I am trying to apply for loans now for the the down payment but to no avail. I have been avoiding bankrubsy but now I am not sure if this is the final out for me. Let me know your thoughts and thanks for whatever advise you can share.....

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      If you are business owner and have debt, notes, mortgages, land loans, credit lines, secured or unsecured...you may want to consider having our church and non profit settle them. We work on donations which are tax deductible, and not for profit. We specialize in restructuring entire scenarios including tax issues. Our tax specialist is available to help with all types of tax and IRS issues, including amending the last 5 years if necessary. On a cases by case basis all it takes is phone call to learn all options that are available in all areas of finance and litigation of bad debt.

      From new loans (which we have available now for Commercial/Residential with a nationwide fed. credit union now), to bad debt and foreclosure remedies, plus.

      With a slew of attorneys who work with us, combined with my hands on experience we are the power house who gets results. Huge tax benefits apply when dealing with church and non profit. All donations are tax deductible and other items are accepted as well.

      For more information on Settling Commercial Debt Call 516-847-2209 or email: alertpatrol@gmail.com

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      The above comment (3 comments up) is meant for Bradley Schroeder.

      I apologize but the entries are being affected by the browser dysfunction with flash. I use all browsers and they all experience the very same "stuck on stupid" dysfunction. Despite having each one set to automatically update flash none ever do. I'll have to make a hub about dysfunctional code next. I find all browsers to be unstable with gaps in the code among many other things. Sorry about that!

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Hi Theo:

      Thank you for posting this. This scenario could go several ways. I am happy to hear the court declined it! Hooray for the people! This has been an ongoing problem with the mortgage companies. All banks who sold notes are now experiencing this. The MERS system is how they were filed. Many problems have come from this for several reasons. The first being that the notes were destroyed when put on this system. Then the second problem is that they had separated the notes from the deeds, another big problem. Third they continued on taking monies from people on properties they can no longer prove they hold the lien. Hence your court judge denying their claim. I think this is a very viable example of what is going on with the banks internally with all of these foreclosures. I am one of the former litigators for all the banks involving the foreclosures.

      I am working with a former bank auditor who firmly believes that the banks may no longer have the authority to even foreclose, rewrite, modify or short sale these properties legally. Unfortunately they cannot prove their position. I have many questions, and would appreciate it if you wouldn’t mind giving me a call to discuss. I would like to talk to you more about this. You can reach us at 516-847-2209 or alertpatrol@gmail.com.

      Best regards!

    • profile image

      Theo 5 years ago

      I have a question. I filed bankruptcy in 2008 and still making payments. The mortgage was sold many times prior to filing bankruptcy and the mortgage claim for the mortgage balance was declined in bankruptcy court due to the mortgage company not having the note. The mortgage company indicated the note was lost in court documents. But they have continued to call me, send loan modifications offers as well as send payments for my hazard insurance and taxes. I have asked the mortgage company to stop calling for the last four years and they have continued to call as well as send payments. Each year I have sent my hazard insurance and tax payments and request the payments to be returned back to the mortgage company. The insurance company has finally removed the mortgagee clause on the policy after many requests. Can the mortgage continue to attempt to collect the debt or contact me? What can I do to stop the mortgage company from calling me and sending payments? I would like to thank you in advance for your feedback.

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Hello and thank you for visiting and posting this scenario. It happens to be a common one.

      All bill collectors will try to induce urgency involved with payment being made. It's the way they get to keep their job. It's a performance based type of job, and if they don't collect they get fired. Which in turn causes the abuses to escalate. At this time in our financial collapse the rampant abuse has been increasing to levels even I have never seen in my 30 years in the industry.

      Your wrote**The loan company is calling me atleast once or twice every day telling me on my voicemail that as cosigner, it affects me telling me they can sue and put a lien on my house (which is soon to be foreclosed on and I dont live in). I do live in my stepson's house so if they put a lien on his house it will affect me that way.**

      This is not good, if they are disclosing any information on your answering machine that is a federal violation. If this is verifiable you may indeed have a case against them. If they have exceeded the allowed times to call you, and disclosed information on the Answering machine it would be a serious violation case. Original creditor or not.

      I would consider filing a chapter 7 based on the facts you describe. The bike and car could be kept out of it. You would have to keep the car current in order to exclude it. Your mother could hold the bike until you're done. However if this is not an option it may be best to make a settlement with this company. I would advise you that you can negotiate this, or you can always call upon us to negotiate it for you. We work on donations to help people. I am also a branch of a nationwide debt settlement law firm. If there is more than this debt I could introduce you to that program. The minimum amount is $7300 total to enroll in that. It's affordable monthly payments that range from 1 - 4 years.

      It's not likely they will sue you in a day. It doesn't work that way. You would have to be notified in writing with a summons and complaint with an issued docket number from the courts. Then once that happens, then you have usually 20 days to answer it. If they have an in house attorney ready to file the case then possibly but I tend to think not. If you would like to give us a call or email us some further details on this loan company, it's likely we already deal with them in some way. I would be better able to answer these questions with more confidence. Nothing in the legal business happens in a day...lol All cases are afforded an opportunity to put an answer in.

      Once a case is filed, and even if the defendant doesn't show, and we get a judgment it will take me 3-6 months to get it entered, logged, and returned to me for execution. Then I have to send another notice to the defendant to give them an opportunity to pay which gives them 30 days to respond. They can easily file an order to show cause to have the judgment vacated. I have seen the courts give great consideration for this. Even after 5 years of the judgment being entered!

      If there is no asset like a job, home, bank account with more than $1700 in it, or other attachable assets then it just get's filed in a drawer until some day it might be collected. Usually we send out approximately 30 bank restraining notices to see if a bank account exists. It does not mean you get to seize the contents necessarily. If there is a substantial amount then possibly. If it's a joint account, a turn over order would be in order, and you can only take what is proven to belong to the defendant if it exceeds $1700 minimum requirements. People are haunted by this process because they stay in effect for 10 years, and then can be renewed for another 10 years. Which is why it is not beneficial to allow people to enter judgments against you. Always better to take action right away to prevent others from doing that.

      You are already on the right track by seeking out answers and options. Both you and your son should work together to come up with a plan of action to protect yourselves. If there is no ability to pay, with no assets then you will qualify for chapter 7 bankruptcy protection. It's your right, and you can rebuild your credit following the bankruptcy. There is a lot of ignorance about bankruptcy. It is there for a reason and it's quite effective in these cases. It is what is dictated if there is no ability to pay. If you don't file (despite qualifying) the bottom feeders will continue for many years to come. It's what started this hub in the first place. They are still selling my paid debt from 2003 right now. Please feel free to reach out if needed. You can reach us @ alertpatrol@gmail.com or 516-847-2209

    • Bradley Schroeder profile image

      Bradley Schroeder 5 years ago

      I have a question. I live in Pennsylvania, and I co-signed on a $6,000 personal loan for my stepson back in August 2011. It was done in person, and nothing is held as collateral (I believe that is what you would call a unsecured loan). Terms are 25% interest, payments is $196 per month for 60 months. Only my son (will call son instead of stepson for sake of clarity) borrowed it in his name and not his wife because they were afraid she would bring the credit rating down, but it was clearly understood amongst us as for both of them (I of course signed as cosigner). Well in September of 2011, they seperated and now my son was stuck with the bill of paying it back, in which he did up until March in which finances and loss of job prevented my son from further paying it back. The loan company is calling me atleast once or twice every day telling me on my voicemail that as cosigner, it affects me telling me they can sue and put a lien on my house (which is soon to be foreclosed on and I dont live in). I do live in my stepson's house so if they put a lien on his house it will affect me that way. I want to know what can happen to me (as cosigner)? I am getting a motorcycle from my mother as a gift, have a car (making payments on still), and living in son's house (which I am paying for). What am I looking at? Can they get a judgement against me? if they do, what can happen? Could they sell the motorcycle for this loan? (they do not know about it and for the sake of need to know, I nor my son gave them a list of what we own. Like I said, this is unsecured loan) Can they put a lien on his house (which we live in but he doesn't) and if they do, does that mean they can sell it to recover the loan money? How about my car which is not paid for yet?

      Can they continue to rack up interest forever if no one pays this loan (which frankly I cannot)?

      They are threatening to file legal paperwork tomorrow.

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Hi Gabrielle:

      Thank you for your help too. I appreciate anyone who gives without receiving. If you know something important, I believe it should be shared. I have met too many attorneys in my life who simply watch the world fall apart daily. They also knew the fraud was incorporated into every day business as well. It's shameful to have to witness people being so greedy. The problems caused by all of this are prompting monumental change among our people, and it certainly was not voluntary.

      I speak to all the banks currently, and I find them to be indifferent. They are a mindless corporate entity with zero sympathy for humans. That right there is how to put things in proper perspective. Have zero consideration for them as they have for you. There is no emotion, nor human equation with any of this going on. It is ALL about mindless corporate profit on the plight of all humans, and let's not forget the wildlife that is the first to be forgotten in this horrendous collapse on all of us!

      Remember the Movie "Network"?...Well times that guy by 10 and that's me! I am mad as hell and I'm not going to take it anymore!

      Best regards to everyone! Thank you for visiting and commenting Gabrielle!

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Consolidate Student Loans Here! Not sure why they are preventing links now. I'm seeing site dysfunction. Hope the links show up, this is my third try. :)

      William D. Ford: Gov body for student loan consoldidation

      https://loanconsolidation.ed.gov/AppEntry/apply-on

      http://www.direct.ed.gov/

    • profile image

      gabrielle 5 years ago

      Hi there, I'm so glad I stumbled upong this website. You are amazing for your generous gift of time and your willingness to help all of us with our debt woes. Kudos to you! Thank you for sharing your law expertise and for giving us a site that we can come to for education and solutions. If we all take a little time to "pay it forward" and share with others the resources that have helped us win against the crooks and the bank fraudsters, we will make big progress in the courts. People are waking up and learning their rights and that has created the momentum that we need to effect positive change ... thanks to webmasters like you.

      Please allow me to share an amazing resource with your community. This is not a sales pitch I promise. It is a place where you can learn for free how to legally discharge debt. We are not just talking it, we are walking it. It is my gift to you and your readers. www.setoffdebt.com. Knowledge is power, and we are giving it away for free ... changing America one family at a time. Thank you.

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      I am not sure who it is calling you, but if they're handling student loans I feel certain the government body in the Dept of Ed would be very interested in knowing about any anti student behaviors. If you qualify for a deferment then proceed to make sure you get that. If you are still a student then yes you would definitely qualify for a deferment. They also have hardship deferments, and more. If you need help bringing attention to the activities please let us know.

      William D. Ford: 1-800-557-7392

      Hi Maurissa:

      It really bothers me to hear this. You are on a legit partial payment arrangement which is fair and square. It is not true that you have to up the payments, it's based on "IF" you can afford it. They are lucky you are paying anything! I added a site you need to visit to see if you can have william d. ford repurchase the loan. I have sent many people her to consolidate their student loans. If you work you will qualify. It's the best place for your loan to be, and they will likely lower payment and rate. You may even qualify for a hardship situation. You have done the right thing, and this is not how it should be going. If I was handling your account I would likely call you every six months to re up $100 payments for another 6 months, and just to say hi too. Please do let us know how this works out. If william d. ford consolidates it for you could you post your experience here? It's benefits all students.

      If that doesn't work you can always send them a cease and desist letter demanding they communicate with you only in writing! It will work, and you can copy some of the letter above. Feel free to call on us if you need help.

      Best regards!

    • profile image

      Maurissa 5 years ago

      I have a debt that i am playing on. I have been paying on it for about a year now. The debt is a student loan. It is about $8,000. I had agreed to pay $100 a month. I have never missed a payment. I even upped the payment to $125 after about 3 months.

      My issue is they keep calling me and asking me for more money. They tell me i have to up my payments after so many months. They took my taxes this year and like i said i have NEVER missed a payment with them.

      Can they keep calling me and asking for more money evey month? Even with me not missing a payment in a year.

      Thanks

      Maurissa

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Hi A.Armstrong and infonymph!

      Thanks for visiting and commenting. You can reach us at: AlertPatrol@gmail.com or 516-847-2209

      We're open 10am to 10pm 7 days.

      Very common scenarios that can be resolved. Although you probably won't meet anyone who will tell you this for free except maybe me.

      infonymph: have you considered a PO Box? Mail boxes usa, or a mail service? That would be the best solution. If that can't work, then you can request it by email, but fi it's not the companies usual procedure you may run into a problem. If there is debt you cannot pay, you may want to consider bankruptcy as an option. You can also put the mail in "C/O" (In Care Of) someone too. It depends on your future plans, and what it is you are trying to do.

      Base your decisions, and maneuvers today, for how you want tomorrow to go. Once your name has entered the collection circuit...prepare for years of calls. It just never stops until you take the necessary steps to stop it yourself. Which is what prompted this hub to be written. It disgusts me that people are treated this way.

      But nevertheless there is always a way to deal with anything that happens, and so the quest will continue.

      Time for people to stand up, speak out, and talk back! (that's a book actually, it's pretty good too)

      A.Armstrong: Our contact info is above and throughout this hub. We are a church and non profit who works on donations. Please feel free to email/call.

      Everyone can learn how to protect themselves through education, which is really ammunition. I happen to hand it out for free because I feel it's unfair to allow people to be kept ignorant about their rights. It was an intentional predatory act to profit from. I take great offense to it so to me, it's open hunting season.

      I happen to be a grand master in chess (which if I could recommend a game to play to stimulate your brain for strategy...it would be chess), so make intelligent business moves when dealing with these bottom feeders. Strategize people! We're not stopping, so feel free to join us! Best regards to all!

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Hi SSprinkle:

      Thank you for visiting and commenting.

      Hi:

      Sorry for the delay. I had typed you a comment, and I'm guessing hubpages had some kind of problem because it wiped it out when I hit submit. Nice right? Couldn't get it back either.

      Anyway this is a no brainer. You send them a cease and desist letter, with dispute of the validity of the debt. You demand copies of the entire file, and investigation into their deceptive practices. The fact is you could also look into getting a bankruptcy kit from staples/officemax and file for a chapter 7 protection. It sounds like you qualify. Contact consumer credit counseling services to get the voucher, and then you go to the court local to you and pay your filing fee of around $200. You do not need an attorney. You can file this "Pro Se" and it is not complicated. You can always call on us at the church and non profit if you need help, we work on donations and help many. Please don't let these people stress you out, or intimidate you over the phone. They are obviously not nice people, and think nothing about compliance with the laws. It simply means you take action to stop it. You can copy some of the letter above, and be sure to "cc" some of your local authorities, like the FTC, attorney general, consumer affairs, better business bureau, comptroller of currency, American collectors association, etc. Some are listed above.

      Meanwhile you control how this goes, and you will get immediate results by taking the actions (which are fairly simple) to protect yourself. Plus you have us to turn to should this continue, or other problems arise. Try not to involve emotion in this. Debt is business, and there is no room for emotion. It's what put's you at a disadvantage, because there is no emotion on their side, nor do they personally care about you. it is merely a corporate entity with no human equation whatsoever. Strip the emotion from this whole scenario, and you'll do fine in defense of your rights. Be strong, and don't take any crap from anyone! Feel free to reach out if needed. AlertPatrol@gmail.com or 516-847-2209

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      A.Armstrong 5 years ago

      Hi I live in Houston tx i'm 25 years who have been careless with my credit i did the unthinkable i got loan after loan i owe aarons but they want take there items back i owe banks i have a repo apartment complex what can i do i need help can i have your email i really need to get my life on track i know i made bad choices but i'm ready to fix it now can you please help me lost don't know where to start from

    • profile image

      SSprinkle 5 years ago from NC

      Help...This company is driving me nuts....I have a auto loan with Weslake financial. On April 23rd 2012 we had a accident and the car was totaled. Our car payment was due April 27th 2012. I was unable to make the payment on the 27th because I had to use the money to get another car working. The car was valued at $5500. and the pay off of the loan was $2300. On may 9th I received a check for what was left after the car was paid off along with a copy of the check that was sent to Westlake. On May 26th I received the only letter I have received from Westlake stating "Numerous attempts have been made to contact you in regards to your delinquent account with Westlake Financial Services. You have failed to respond to our notices." However I have spoken with someone on: April 27th and May 1st, 5th, 10th, 14th, 2 times on the 20th, 21st, 22nd, and 25th. This is not including the times that my husband who is the cosigner of the loan has spoken with them. The times they have called are: 4-27-12, 2 times on 5-1-12, 4 times on 5-2-12, 3 times on 5-3-12, 5-4-12, 5-6-12, 5-7-12, 2 times on 5-8-12, 4 times on 5-9-12, 5-10-12, 5-14-12, 5-15-12, 3 times on 5-20-12, 4 times on 5-21-12, 5-22-12, 3 times on 5-23-12, 2 times on 5-24-12, 5 times on 5-25-12 and 3 times on 5-26-12. If I don't answered they will call me, my husband, me then my husband again. They have even called me on Sunday morning and after I have spoken with them they hung up and called my husband and we were lying beside each other. During one call I had a lady yelling at me and over me when I tried to talk telling me I had to verify my address cause they were coming to get the car and that she was going to put this on my credit and ruin it. I told her to come over and see if she can find the car (it has already been sent to a salvage place), that she could even knock on the door and have dinner. Westlake wants me to make a payment and when they get the payoff check they will rein burst me. I suffer from and am currently on medication for major depression, anxiety disorder, post traumatic stress disorder and I am bi-polar. All of these calls are causing me a high amount of stress. I am losing sleep, constantly upset and it is interfering with my performance on my job. Other than sending a cease and desist letter is there anything that I can do. I am going to try and write the cease and desist letter using the wording above but those letters are to dispute owing anything. Any help you can give me will be sincerely appreciated. Thanks, Stephanie

    • BrainFire profile image
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      BrainFire 5 years ago from The Island

      Hi Pappy:

      Thank you for visiting and commenting. Once you file the Chapter 7 they will leave you alone. If they don't they would be in violation. File asap so you can halt all the activity. Don't let anyone get judgments against you. They stay on your name a very long time. It's approximately $20 for the kit at staples/officemax, and it's like $200 to file it in the court. You do not need an attorney. Anyone can file this Pro Se.

      Please feel free to post additional details if needed. Best regards!

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      Pappy 5 years ago

      Hi..thanks for helping us struggling poor...I had one CC and after divorce, loosing a job etc.. My credit union sold my 15K debt to MCT in Calif...having no money to file bankruptcy..( I hav partial custody of a severly disabled kid...and another one w a pacemaker) I struggle every month to keep water/elect/food etc...So of course when they sued me I was scared to death to go to court un represented. My mom has property in a trust for me..but that could be years away...so I am wondering if I file BK will this aggressive bunch of collectors that have alot of complaints against them still be able to collect after I file?? I am planning on going to We The People to file... Any help will be paid in love and sunshine...Thanks

      Pappy

    • BrainFire profile image
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      BrainFire 5 years ago from The Island

      Hi Stacey:

      This too is a common scenario. Without knowing what state, and court it sounds to me like they may have entered the judgment illegally. You can go to the court site and look up the information, or go to the court house to get a copy. It should include a summons and complaint that has affidavits attached to it showing who they supposedly served and where. If you were not served, then it would be in order that you would file an "Order To Show Cause" at the court, which would vacate the judgment and get a new hearing date set on the calendar. Upon accomplishing that you would then proceed to investigate what happened. If something was done incorrectly the monies taken from your pay may have to be returned to you.

      I would start by demanding copies of the entire file, and under the FDCPA Laws, you write a cease and desist letter to dispute this (copy some of the letter above), and they must provide this to you by law. Please do let us know if you continue to have a problem. It's sounds like they are preying on your ignorance of the court process. I would like to see the documents if you would feel like emailing them to me. I can tell you if everything was done right, and what may have happened. I may already have an attorney in your area that could possibly help. Let me know what state. Feel free to reach out to church and non profit services. Best regards! alertpatrol@gmail.com or 516-847-2209

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      Stacey 5 years ago

      question for you. a few years ago I moved out of my apartment for the reasons of that it was broken into, only one it happened to. a sex offender was moved in a few doors down and the apartment complex didnt notify anybody and the way I found out was because the state sent out a notice and shortly after I needed a surgery that put me out of work for ten weeks without pay so I couldnt afford to pay the rent anymore.

      A couple of months ago I got a letter from an attorney telling me I owed per a judgement almost 51500 to the apartment complex and if I dont respond withinn a certain time they consider the debt valid. I did and they sent me back a breakdown of the debt which came to a little over $2000. Within a week my pay started to be garnished for this. I got a letter from my company with the judgement for the almost $1500 from the court. i never even was notified that there was a hearing 2 years ago etc. this was the first I even heard of this. Now that I am almost done with the garnishment, I get another letter by the same attorney for the same apartment complex under the same file number telling me I owe them over $5000 and he is trying to collect that debt. How can they legally come back and try to get another $5000 for something I dont even know what it is for after the court gave them already a judgement in the amount of $1500?

    • BrainFire profile image
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      BrainFire 5 years ago from The Island

      Thank you Violet for the kind words. Since the early 80's I have been doing this to help people. I am not the type to stand idle and watch crime and abuse take place. I believe the ground in which we play should be fair and equal. Most people do not seem to understand why I am good at what I do. I base everything through Love believe it or not. Even if I'm suing someone, I still take the approach of love and it brings the best results. I think it's a great verifiable history that proves it beyond any shadow of doubt. I am the living proof to all of this. Throughout my history in the finance and legal business I'm one of the few who get's thank you letters and gifts from people I have sued, helped, educated, and protected. This is what works best in a cynical world such as this. We are here to stay for the duration. Hopefully we will be able to train others to operate the same way. So far to date since 1982 I have not lost one case I have taken on, in FDCPA, Settlements, foreclosures, etc. This hub is for the purpose of educating everyone for free. Beyond that help is available from the church and non profit on a donation basis. You can't beat that one. I have tried. lol I structured it precisely this way so everyone could get help.

      Bottom line is there is ALWAYS a way to work these things out. The biggest issue I see is that the bill collectors will never tell you your rights, or options. But I will so you can protect yourself. My best regards to all, it's you that we work hard for.

    • Violet Zecevic profile image

      Violet Zecevic 5 years ago from New York, New York

      Hi, Thanks so much for the advice. I filed for bankruptcy 10 years ago and just got my credit built up compared to what it was. My ex husband owns a car and since we are not legally divorced I am afraid they will go after him. Its been such a headache that I am willing to just settle to get it over with. I will send them the letter you suggested anyways. I will check if it is a judgement, not sure. I will check out my credit report also. Thanks again so much for all your help and I will call you for the settlement part. It is great to have people like you still around!!!!

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Hi Violet:

      In your situation I would have recommended bankruptcy. If you have no assets, and are unable to pay that is what will qualify you. It sounds like you have almost gotten to the finish line though. If you only have one more to go then here is what you can do.

      Write them a cease and desist letter with dispute of validity of the debt. Instructing them to communicate through the mail only. You will request copies of the entire file. You are entitled to copies of everything including any pay history. Once you have the copies of the account you will be able to navigate better. Also you should speak to management only, if you have to speak them at all. Otherwise if they are compliant they will not call you again. Copy some of the letter above and modify it to your scenario. You can also go onto http://annualcreditreport.com/ to see the 3 credit reports and how things are appearing.

      Is this a judgment? If not they can sue you, but it doesn't mean it will be collected. I am in NY too, and most all of the firms must find an asset to attach, or they cannot sue. If you really have a problem and can't resolve it we have programs at the non profit to help. We are also a branch of a national debt settlement law firm. So feel free to post any additional info, or reach out to us. We work on donations.

      Do not let these people stress you out, it is not necessary. There are things you can do to alleviate this. You can always give us a call 516-847-2209 or alertpatrol@gmail.com Best regards!

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      Violet 5 years ago

      Hi, I have used a agency to help me settle debt. I have one more left to settle with. They will not settle for the amount I can pay and are harassing me like crazy. It seems to be a law firm now that is calling, although the letter I got is from another company, Credit Control Llc. I am unemployed and this is why i had to go with a settling agency, when i try to call the credit cards myself they would not budge at all. This was 3 years ago and here I am again unemployed and worried that they will come after me viciously. What can I do?...I live in NYC...and I had one law firm try to sue me already and had to borrow to settle quickly, but I can borrow again and they wont allow payment lower than 385 a month I get 450 a month from unemployment I just cant do it, any suggestions?

    • profile image

      pam 5 years ago

      Thank you SO much! I will be calling you:)

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Hi Pam:

      You can pick up a bankruptcy kit for like $20 at staples or officemax. It's like $200 to file, and you do not need an attorney. You may file it Pro Se yourself. The clerk at the court will review it when you pay your filing fee. It's easy to fill out, and if there are no assets then you would choose chapter 7. You make a call to consumer credit counseling services and make an appointment to get the voucher you need. If you need help you can always reach out to us at the non profit.

      I'm surprised to hear they actually restrained it, and deducted anything you had less than the minimum. I think someone got over on you. I restrain accounts all the time and there is a minimum required in order to seize the funds in the account. I'm not sure what went wrong. More details would be needed.

      I must have been too tired last night, I put the wrong phone#. lol. You can reach us @ 516-847-2209 email alertpatrol@gmail.com We are open 10 am to 10 pm. Feel free. Best regards:)

    • profile image

      pam 5 years ago

      Once again Thank you for the quick response! I only had 700.00 in the account the 1st time they froze it,and they took it all. I did end up getting some of back after 2 weeks. It goes to the sheriff's office after they take it. I do need to file bankruptcy,but I don't have the money to pay a lawyer to do it. How do I file a order to show just cause? I am stressed out over this,because I can't have them taking what little money I do get!

      Thank you again,

      Pam

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Hi Pam:

      I really am sorry to hear all of this. As I usually say in this case, you should pick up a bankruptcy case from staples or officemax. It sounds to me like you likely qualify for bankruptcy protection. If there is a chance to remedy this it's either by filing an order to show cause to vacate the judgment or possibly a chapter 7 in bankruptcy.

      Do not get stressed out about debt it's really just business. If you have less than $1700 in your bank account you have little to worry about. They will not restrain the account if there is less than that. Don't panic yet, and know there is always a way to deal with this. Feel free to reach out to us if needed. alertpatrol@gmail.com or 516-847-1109.......best regards

      The cease and desist letter is above, you can copy a lot of it and modify it to your situation. If you need more help let us know.:)

    • profile image

      pam 5 years ago

      Thank you for the quick response! I'm sorry,but I do not know how or what to do with the court,do I go to the clerk,or what? What is cease and desist? where do I find this? I have not even gone to court for this judgment since 2007....I've never had the chance to go state my case or anything! They have been calling my Mom(which I do not live with) all the time saying they can't get a hold of me,when in fact they do have my number and haven't called me! I didn't pay off the whole thing the first time when it was with another law firm,I did a satisfaction on it is all. Sorry problem should of told you that before! I was never contacted from them at all the first time they froze my checking account either!

      Thank you again for all of your help,I am at my witt's end with this! I only make 300.00 and something every 2 weeks so I can't have them keep taking my whole check,I can't live like this!

      Thank you,

      Pam

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Hi Brandon:

      Thanks for visiting and commenting.

      Always a choice for all consumers. If you are laid off then that would likely qualify you to file for bankruptcy protection. If you cannot pay you would definitely want to consider it. If you don't creditors/bill collectors will just move to get judgments against you. You don't want to allow people the upper hand if there is a truth to be known. Hence the reason for bankruptcy protection.

      If you want to settle it offer them 20 cents on the dollar to start. If you need help getting it straightened out let us know. We work on donations and have really good success in getting results. Decide what to do according to how you wish to end up. It's the best way to look at it. Feel free to post any further details, or reach out for help.

      Best regards!

    • profile image

      Brandon 5 years ago

      Just want to start by saying thank you for all of the free and helpful information on this blog site. I had a loan with a credit card company that I fell back on a few months ago when I was laid off from my job. I have had a hard time catching up and had called the credit card company several times to explain my situation and they said there was nothing they could do as far as lowering payments or interest. Previously I had been making the minimum payments on time.

      Fast forward to a few weeks ago and my former residence had told me they have been receiving several calls almost every day from a collection agency. The calls always go to voicemail everytime and all they leave is the collection agencies name, person calling and a phone number to call them back. When I called the credit card company to verify they said they sold off the debt but didn't have any info as to who they sold it to. I also have never received a letter from the collection agency prior to their phone calls stating the debt owed which I had thought they needed to do legally before calling. I've read up on my rights and wanted to know from you what actions I should take from here on out as far as contacting them, negotiating a settlement etc? I'm kind of at a loss of what to do next. Thanks!

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Esho:

      Thank you for commenting. It's not likely you will be sued. They would have to forward the account to an attorney here to sue you. If this happens there are things you can do to protect yourself. If you need further help please do let us know. Best regards

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      H Pam:

      The first thing you should do is check with the court. You can likely file an "Order To Show Cause" to have the judgment vacated. On the basis you weren't served, and you paid it already. At the same time you can also send them a "Cease and Desist" letter demanding copies of the entire file. Including pay history, original contract, and any other documentation regarding it. Including any court documents.

      The cease and desist should be in the form of a dispute and complaint against their deceptive practices. They tried to dupe you into something without showing you any proof. If you were not notified, then the judgment will be vacated, and a new hearing date will be set. If it was paid then look through your receipts, bank statements, etc to locate the proof. If not then go back to the original creditor to obtain the proof. Also go on to http://annualcreditreport.com/ and see how these things are appearing on your reports. You can dispute them there too, and add a 100 word dispute statement on your report permanently.

      Let us know how this goes, and if you need further help we're here. Best regards.

    • profile image

      pam 5 years ago

      I have a judgement against me back from 2007,and I am almost 100% sure I already paid this off to another law firm. I have asked them for paper work and they flat out told me that my social number was enough (which I verified)on the first phone call was enough proof to them that I owed the debut! They also would only tell me it was a visa card! They have frozen my bank account and it sounds like they are gonna do it again! I was not notified with the new change of law firm that bought the debut either! I live in Iowa,and I only work a part time job and can not afford to pay them much,they want 150.00 every 2 weeks. I am just wondering what my rights are with this!

      Thank you,

      Pam

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Hi Ricky:

      Thank you for visiting and commenting. This is a very alarming scenario.

      Please email me some details. The amount a firm could take is usually 10% on a garnishment. The IRS could take more. What worries me is they didn't take any protocol to verify anything? Was this served upon your employer by the sheriff? It's supposed to be, and if not it might be a scam totally. All court documents have an index number for a judgment entered. Were you given copies of any of this? It's required! It's all wrong according to what you have described. Please email/call so we can help you find proper representation quickly. Alertpatrol@gmail.com or 516-847-2209. This is not for profit and for the benefit of people.

    • profile image

      Rickymeas 5 years ago

      Hi I'm Ricky , a debt Collector sent a letter to my work they want take out 25% from my check they say there have a right to do that because the court authorizes them to do . An my boss gave all my information to them with out asking my permission. I tell my boss I'll don't want to pay them an she say she have to do it because it from the state Court. I tell my boss I can't not effort to pay them because I have three young kids to take care this is very stressful for me right now.

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Hi Sarah:

      Thank you for visiting, and commenting. Don't worry about the payments to the hospital, it'll be reported as a direct payment. Not your problem. Hang on to all proof of anything you pay! Call or write to the school telling them what you said, and let them know it is affecting your ability to function as a student! Demand they recall the account/Late fees and make an arrangement with you directly. Let them know you are being harassed by the entity they placed the account with and demand it be stopped immediately!

      If you continue to have a problem please do let us know. Church and non profit services will be here to help if needed. Thanks again for posting this, many others are experiencing the very same thing. You are definitely not alone. If you need help feel free to email us @ alertpatrol@gmail.com or call 516-847-2209

      Take care and be well!

    • profile image

      Sarah 5 years ago

      Hello, I am being hounded for 179.00 in late fees from school. It is now in collections some general revenue company. I've requested last year for the school to waive the late fees and no one got back to me. Is there anything I can do. Also I have two other bills I've been paying direct to the hospital for medical bills 212 and 50 are the balances these are also on my reports from NCO financial and I've been paying the hospital?

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Hi Becky:

      Yes it's true, you would either need to file a case pro se, or connect with an attorney to go after the damages. If it's paid and you sent the proof, they are supposed to close file and stop. If they don't they will rack up many violations, which valued are at $1000 each, with additional damages in civil/punitive, and more. So if you can endure the court process it's not difficult to win. The laws are there to protect consumers, not bill collectors. You could also serve them with a cease and desist to stop any communication. Failure to comply would weigh seriously against them in court. If help is needed let us know. Good luck and don't take any crap from anyone about a debt that's paid. That just insane they would even attempt to continue to harass you! It makes me furious beyond words.

      Keep us posted, this is happening to a lot of people nationwide. Best regards, and thanks again for visiting!

    • profile image

      Becky 5 years ago

      Just a quick question I had a bill that was £203.11 that was with debt collectors when I was 18. I paid it in 2009 now every week since then I have got letters asking for the money I have rang then,sent letters and faxed them a copy of the receipt but I am still being harassed is there any thing I can do? A friend told me I could get compensation is that right. Thankyou

    • BrainFire profile image
      Author

      BrainFire 5 years ago from The Island

      Hi JakeW, Sam, Monica, and Dora:

      Thank you for you visit and comments.

      JakeW I understand and agree. When a system fails one...one must step away from that system. Our lives are the proof of the complete failure, and yet the authorities simply factor it into their equations of profit and loss. At this time it is best to keep all of your information out of the hands of the likes of these people. They will bring no good to your life, as we can clearly see. Regardless if they offer you credit or money...it's a set up to monetize you. That's a fact. I am deeply disturbed by what happened to you and your wife, no words can describe. The fact that you were educated in credit and debt process exposes the level, and depths that this reaches. You could imagine what other people are going through that are not as fortunate to know the laws, and how a patriarchal monetization system works. Every moment of every life on planet earth has been monetized from the day of birth to the day of death, on "their" schedule. Please read my other hub: Death Profits. I need people like you Jake would you consider working with non profit causes? Stay in touch!

      AlertPatrol@gmail.com or 516-847-2209 phones open 10am to 10pm.

      Sam: Maybe I could let your friend know some things to get in place to facilitate a credit line, or commercial sba loan or something. It would be worth a try right? If you qualify to file for bankruptcy protection you should. I would much rather know you are not being harassed by the bottom feeders like this. At any rate if I can help I certainly will feel free to give us a call.

      Monica: I'm sorry to hear this is happening to your Mom. I handled citifinancial accounts since their inception. It is odd that they gave her the loan, but if her score at that time was high, there were loans you could take without income verification. Nevertheless today is now, and that was then. You have a few choices here. One you can see if she qualifies to file for individual bankruptcy chap 7 (no assets). Two: You send a cease and desist letter with dispute of the validity of the debt until you are furnished with copies of the entire file, loan app, signatures, pay history, etc. You must send this dispute/cease desist letter over night mail, and get a signature. During this process it will stop the court case, and bring about a "Stipulation of Settlement" (instead of bankruptcy) based on what she can actually afford. If the fact remains she can't make payments (as you indicated) I would sway closer to bankruptcy because they will just continue to come after her. Now if they violate the laws, that could throw a spin on things, and sway it in her favor of going after them.

      You have 10 days roughly to decide. A bankruptcy can be filed at the last minute to stop all of this. She must obtain a voucher from consumer credit counseling to file it. The bankruptcy kit is about $20 at staples, and it's about $200 to file. You can do this Pro Se. If you do feel you must have an attorney I work with many I can refer you to. Even if they get the judgment there is no way to collect. If she can make small payments (which I don't recommend unless it's possible without taking food off the table) you would insist on a stip to vacate upon payment in full. I would not settle for anything less. Let us know what you decide, and feel free to post any update or email/call direct.

      Dora! Of course you can. The fact that they are even doing that is a violation. If your boss instructs to never call there again, they must comply. If they don't then you will have a case against them. It's likely I know the firm, if you want to send me an email with the info. I can see how many complaints they already have. If they should disclose anything to your boss about the debt, or anything other than to verify employment they will be in violation. You can also send them a cease and desist letter instructing them to communicate with you through the mail only. Copy your local attorney gen, consumer affairs, ACA, (see above letter) and any others you can find.

      If anyone needs help email us/call/text. This is not for profit and we work on donations which are tax deductible. Humanitarian services and causes for the people!

    • profile image

      Dora 5 years ago

      Can I stop the phone calls going to my boss about my debt?

    • profile image

      Monica 5 years ago

      Good morning,

      I am needing a little advice in regards to an issue my Mother is currently experiencing with a loan she received in 2008 from Citifinancial. First of all, I am not certain how she even secured this loan since she does not work and has Never had a job ever. My father is a Carpenter and doesn't always have work. To make a long story short..My mother stayed behind on her payments when my Father was not working. She tried to pay back the payments she missed when he was working again but the company refused and wanted the note paid in full, which my parents could not afford! Citifinancial has now acquired attorneys to collect this $3000 debt. My very concerned Mother, who has extremely high blood pressure, is being SUED! She does not have money to pay this debt, which the attorney is asking for in full! She has offered to give them a $50 payment which she truly can not afford to give, which the attorney says she can send in but will not be considered an agreement. The attorney asked my mother why she accepted the loan if she did not have a job. My mother clearly told Citifinancial at the time that she did not have a job but they still approved her. What should she do? She must go to the courthouse Monday, May 21 to sign the affidavit which was presented to her. HELP, please because I feel helpless! :(

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      Sam 5 years ago

      I didn't seem that my friend will able to get any kind of secure load to pay me back. The best I can do right now is take a part of his property and hope the price is rise someday. So when he sell it I got something back.

      I am also thinking of calling the debt collector back at some point after I get back on my feet and pay back what I own them and hope to able to negotiated it down if that possible. If that can happen then I will not desire to file for bankruptcy. How long does it take to rebuild my credit again?

      I would like to give you a call and make be we can work together on this. Thanks in advance for helping.

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      jakeW 5 years ago

      Hi Brainfire,

      thanks for the response. I realize yes, debts paid or not, can be sold, repeatedly. Its ridiculous. Far as I am concerned, the credit system can go to hell. All that hard work on paying credit accounts, etc gone forever. Someone does owe us, but whoever did it, was never caught. "Under investigation" after so many years, law enforcement will start to give up, even the FBI. After reviewing so many reports online over the years,about hackers and all, I believe that it was done deliberately.

      The thing about hackers, is that they can do about almost anything, and I've learned that a true hacker will never get caught. Hackers who do get caught unintentionally werent truly hackers to begin with.

      Sad enough, I do place blame on hackers for the dilemma that my wife and I went through. Its about the only thing I can place blame on. Could it have been a computer error?, that thought crossed my mind, but since the computers at those 'so called' credit bureaus are supposed to be 'fool proof', it kinda puts my perspective in backwards.

      I was also told that money can magically appear out of thin air. That goes against the currency system in this country. I dont even believe the national debt to be in the trillions, as I think thats all a bunch of hogwash. So many lies out there, hard to believe in anything anymore.

      I'll just keep myself and my wife busy, as we have moved to a quiet rural state, after this fiasco, to stay out of the big cities. Too many problems and its less for us to deal with here.

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      BrainFire 5 years ago from The Island

      Hi Yvonne:

      Another common scenario. With bounced checks it would show on CHEX systems that it happened. It would be cleared upon payment. By disputing the validity, they have to supply you with proof the debt is actually owed, (I realize it's paid prior) but what that means is someone at the credit union did not do their job. Demand and investigation, and dispute it until it's resolved. You may also be able to retrieve your proof of payment from them and prove it that way. Either way putting it in writing will stop any further activity. Let them know you can always have your whole family switch to a CU that does do their job on behalf of the paying supporters. Please let us know how this goes, I was hoping the CU's would keep themselves out of this light.

      Your son can also go to http://annualcreditreport.com/ to view, monitor, dispute, and add a consumer dispute statement to his profile for life. It's all free, and I would recommend doing that. May the force of good be with you, and keep us posted.

      Thanks again for visiting and posting this scenario!