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Got served re: debt. Summon: The XO Spirit-Protector of Shitlaw
| lascivious gold gaming laptop boistinker | 11/18/15 |
| indigo razzle-dazzle generalized bond | 11/18/15 |
| lascivious gold gaming laptop boistinker | 11/18/15 |
| indigo razzle-dazzle generalized bond | 11/18/15 |
| lascivious gold gaming laptop boistinker | 11/18/15 |
| jade sinister persian internal respiration | 11/18/15 |
| lascivious gold gaming laptop boistinker | 11/18/15 |
| Stirring fighting garrison knife | 11/18/15 |
| lascivious gold gaming laptop boistinker | 11/18/15 |
| jade sinister persian internal respiration | 11/18/15 |
| Stirring fighting garrison knife | 11/18/15 |
| Bat shit crazy cerebral field new version | 11/18/15 |
| lascivious gold gaming laptop boistinker | 11/18/15 |
| Chartreuse contagious address | 11/18/15 |
| Bat shit crazy cerebral field new version | 11/18/15 |
| lascivious gold gaming laptop boistinker | 11/18/15 |
| Bat shit crazy cerebral field new version | 11/18/15 |
| lascivious gold gaming laptop boistinker | 11/18/15 |
| lascivious gold gaming laptop boistinker | 11/18/15 |
| jade sinister persian internal respiration | 11/18/15 |
| lascivious gold gaming laptop boistinker | 11/18/15 |
| jade sinister persian internal respiration | 11/18/15 |
| lascivious gold gaming laptop boistinker | 11/18/15 |
| beady-eyed lake reading party | 11/18/15 |
| lascivious gold gaming laptop boistinker | 11/18/15 |
| beady-eyed lake reading party | 11/18/15 |
| lascivious gold gaming laptop boistinker | 11/18/15 |
| fragrant effete heaven | 11/18/15 |
| Claret Kitty Cat Business Firm | 11/18/15 |
| Trip weed whacker | 11/18/15 |
| salmon base fat ankles | 11/18/15 |
| garnet mad-dog skullcap dysfunction | 11/18/15 |
| Bat shit crazy cerebral field new version | 11/18/15 |
| salmon base fat ankles | 11/18/15 |
| lascivious gold gaming laptop boistinker | 11/18/15 |
| jade sinister persian internal respiration | 11/29/15 |
| odious cheese-eating rehab karate | 11/29/15 |
| lascivious gold gaming laptop boistinker | 11/18/15 |
| Bateful whorehouse ratface | 11/29/15 |
| lascivious gold gaming laptop boistinker | 11/29/15 |
| lascivious gold gaming laptop boistinker | 11/30/15 |
Poast new message in this thread
Date: November 18th, 2015 11:57 AM Author: lascivious gold gaming laptop boistinker I had about 70K in 0 to 2% credit card debt and paid off school debt when I got shitcanned :) Naturally, I stopped paying the min payments on credit cards. Now I have a 55K 9-5 job in Midwest.
The plan was to sit this through and if things turn for better, pay off all or part, if things turn for worse, file Ch 7. Unfortunately 55K is not automatic Ch 7 territory, so I was procrastinating.
Well, one of the creditors filed in small claims for $3,000 . Does anyone know what would be the best strategy to settle this for 20% or so as "paid if full"? Should I go to court first or should I contact them and try to settle first?
P.S. Since "too big to fail" bailouts I have 0 moral qualms about not paying the banks back. Fuck them.
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Date: November 18th, 2015 12:08 PM Author: indigo razzle-dazzle generalized bond Is this a debt assigned to someone else? (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29206574) |
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Date: November 18th, 2015 12:10 PM Author: lascivious gold gaming laptop boistinker Yes, the plaintiff is not the original creditor. (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29206581) |
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Date: November 18th, 2015 12:20 PM Author: indigo razzle-dazzle generalized bond Google defending against credit card debt collectors.
Google FDCPA issues.
Debt collectors are often unwilling or unable to prove assignment of your claim.
Assuming its a court with rules of evidence, refresh yourself on hearsay, business records, Rule 106, and shit like that. |
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Date: November 18th, 2015 12:31 PM Author: lascivious gold gaming laptop boistinker ty (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29206673) |
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Date: November 18th, 2015 12:21 PM Author: jade sinister persian internal respiration Ask them for docs that prove you owe this debt then. With any luck they will be missing something. (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29206644) |
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Date: November 18th, 2015 9:12 PM Author: lascivious gold gaming laptop boistinker ty (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29209572) |
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Date: November 18th, 2015 12:10 PM Author: Stirring fighting garrison knife This. I'm not a lawyer nor is this legal advice, but why not just assign the debt to someone else? (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29206582) |
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Date: November 18th, 2015 12:12 PM Author: lascivious gold gaming laptop boistinker see above (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29206589) |
Date: November 18th, 2015 12:09 PM Author: jade sinister persian internal respiration Do not admit to owing the debt. Make them prove it.
Look for any inaccuracies in the complaint and exhibits.
You can always try to negotiate it down to a smaller number by telling them you don't owe it and can't pay it even if you did given your school loans and unemployment. |
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Date: November 18th, 2015 12:10 PM Author: Stirring fighting garrison knife Or assign the debt to someone else. (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29206583) |
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Date: November 18th, 2015 1:23 PM Author: Bat shit crazy cerebral field new version ? (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29206900) |
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Date: November 18th, 2015 1:39 PM Author: lascivious gold gaming laptop boistinker above is just an attempt at humor, but there are many benefits to your friend buying debt! (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29206973) |
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Date: November 18th, 2015 9:16 PM Author: Chartreuse contagious address (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29209607) |
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Date: November 18th, 2015 9:32 PM Author: Bat shit crazy cerebral field new version What if you just bought the debt posing as a junk debt buyer? (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29209779) |
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Date: November 18th, 2015 9:44 PM Author: lascivious gold gaming laptop boistinker this used to be the way to clear your credit history. the owner of debt can update it.
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Date: November 18th, 2015 9:46 PM Author: Bat shit crazy cerebral field new version So why isn't it now? (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29209882) |
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Date: November 18th, 2015 9:48 PM Author: lascivious gold gaming laptop boistinker it well may be, but back then, simpler times (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29209899) |
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Date: November 18th, 2015 12:11 PM Author: lascivious gold gaming laptop boistinker Should I call them now of should I do this in court? (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29206585) |
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Date: November 18th, 2015 12:20 PM Author: jade sinister persian internal respiration I don't really know. This is not legal advice, but if I were in your position, I'd file an answer with defenses so that the attorney knows they will have to go to the trouble of litigating this. Nine times out of ten they probably just get default judgments because the debtors don't file answers and don't make court appearances. They are probably hoping you will do the same. (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29206634) |
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Date: November 18th, 2015 12:25 PM Author: lascivious gold gaming laptop boistinker Probably true about default judgements. In small claims, is there a written answer, or people just appear and state that the plaintiff lacks proofs? (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29206662) |
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Date: November 18th, 2015 1:13 PM Author: jade sinister persian internal respiration I don't know, you need to check your local rules. (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29206862) |
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Date: November 18th, 2015 1:15 PM Author: lascivious gold gaming laptop boistinker I did and I don't have to do it in writing. I think it is probably still better to do so.
Ty for your suggestions. |
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Date: November 18th, 2015 1:16 PM Author: beady-eyed lake reading party just send them a bomb threat (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29206874) |
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Date: November 18th, 2015 1:20 PM Author: lascivious gold gaming laptop boistinker And debt worries will go away? Brilliant! (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29206889) |
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Date: November 18th, 2015 1:44 PM Author: beady-eyed lake reading party one weird trick. (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29207001) |
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Date: November 18th, 2015 3:58 PM Author: lascivious gold gaming laptop boistinker (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29207696) |
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Date: November 18th, 2015 9:29 PM Author: fragrant effete heaven (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29209747) |
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Date: November 18th, 2015 9:40 PM Author: Claret Kitty Cat Business Firm also have to affix a notice on the front page reading "NOT FOR ADMIRALTY VENUE" or otherwise they will try to apply law of the sea on you. (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29209829) |
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Date: November 18th, 2015 9:43 PM Author: Trip weed whacker (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29209863) |
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Date: November 18th, 2015 9:50 PM Author: salmon base fat ankles Is it even worth it for a creditor to settle a $3k bill for 20%? They gotta believe you won't go BK over $3k so they probably think they can get 100% of it from garnishments (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29209916) |
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Date: November 18th, 2015 9:54 PM Author: garnet mad-dog skullcap dysfunction They probably bought it for $100. (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29209951) |
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Date: November 18th, 2015 9:56 PM Author: Bat shit crazy cerebral field new version So create fake debt buying company and offer to buy debt for 150 (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29209965) |
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Date: November 18th, 2015 9:56 PM Author: salmon base fat ankles (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29209970) |
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Date: November 18th, 2015 9:59 PM Author: lascivious gold gaming laptop boistinker how is my offer money worse than fake company money? (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29209994) |
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Date: November 29th, 2015 7:53 PM Author: jade sinister persian internal respiration Holy shit this could actually work (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29273540) |
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Date: November 29th, 2015 8:00 PM Author: odious cheese-eating rehab karate SUMMON: Rach
"Boy, have we got an idea for you: XO SMALLDEBT!" |
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Date: November 18th, 2015 9:58 PM Author: lascivious gold gaming laptop boistinker 20%>0%>one year of litigation where I represent self for sport.
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Date: November 29th, 2015 8:04 PM Author: Bateful whorehouse ratface If you successfully buy back the debt at 10% or 20%, will you have to pay cancellation of indebtedness income taxes? (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29273624) |
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Date: November 29th, 2015 10:46 PM Author: lascivious gold gaming laptop boistinker Who is "you"? (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29274924) |
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Date: November 30th, 2015 4:13 PM Author: lascivious gold gaming laptop boistinker (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29278493) |