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Got served re: debt. Summon: The XO Spirit-Protector of Shitlaw
| Wonderful cheese-eating twinkling uncleanness | 11/18/15 |
| fragrant alpha tattoo | 11/18/15 |
| Wonderful cheese-eating twinkling uncleanness | 11/18/15 |
| fragrant alpha tattoo | 11/18/15 |
| Wonderful cheese-eating twinkling uncleanness | 11/18/15 |
| Khaki multi-colored boltzmann | 11/18/15 |
| Wonderful cheese-eating twinkling uncleanness | 11/18/15 |
| motley splenetic jewess keepsake machete | 11/18/15 |
| Wonderful cheese-eating twinkling uncleanness | 11/18/15 |
| Khaki multi-colored boltzmann | 11/18/15 |
| motley splenetic jewess keepsake machete | 11/18/15 |
| Brindle godawful queen of the night | 11/18/15 |
| Wonderful cheese-eating twinkling uncleanness | 11/18/15 |
| Pungent charcoal kitchen | 11/18/15 |
| Brindle godawful queen of the night | 11/18/15 |
| Wonderful cheese-eating twinkling uncleanness | 11/18/15 |
| Brindle godawful queen of the night | 11/18/15 |
| Wonderful cheese-eating twinkling uncleanness | 11/18/15 |
| Wonderful cheese-eating twinkling uncleanness | 11/18/15 |
| Khaki multi-colored boltzmann | 11/18/15 |
| Wonderful cheese-eating twinkling uncleanness | 11/18/15 |
| Khaki multi-colored boltzmann | 11/18/15 |
| Wonderful cheese-eating twinkling uncleanness | 11/18/15 |
| dashing rebellious sound barrier knife | 11/18/15 |
| Wonderful cheese-eating twinkling uncleanness | 11/18/15 |
| dashing rebellious sound barrier knife | 11/18/15 |
| Wonderful cheese-eating twinkling uncleanness | 11/18/15 |
| Cracking Church Building Potus | 11/18/15 |
| titillating ruddy space | 11/18/15 |
| Cyan haunting place of business | 11/18/15 |
| thriller degenerate milk | 11/18/15 |
| Yapping Plaza | 11/18/15 |
| Brindle godawful queen of the night | 11/18/15 |
| thriller degenerate milk | 11/18/15 |
| Wonderful cheese-eating twinkling uncleanness | 11/18/15 |
| Khaki multi-colored boltzmann | 11/29/15 |
| flushed bateful office blood rage | 11/29/15 |
| Wonderful cheese-eating twinkling uncleanness | 11/18/15 |
| Kink-friendly Address | 11/29/15 |
| Wonderful cheese-eating twinkling uncleanness | 11/29/15 |
| Wonderful cheese-eating twinkling uncleanness | 11/30/15 |
Poast new message in this thread
Date: November 18th, 2015 11:57 AM Author: Wonderful cheese-eating twinkling uncleanness 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: fragrant alpha tattoo 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: Wonderful cheese-eating twinkling uncleanness 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: fragrant alpha tattoo 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: Wonderful cheese-eating twinkling uncleanness 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: Khaki multi-colored boltzmann 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: Wonderful cheese-eating twinkling uncleanness 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: motley splenetic jewess keepsake machete 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: Wonderful cheese-eating twinkling uncleanness see above (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29206589) |
Date: November 18th, 2015 12:09 PM Author: Khaki multi-colored boltzmann 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: motley splenetic jewess keepsake machete 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: Brindle godawful queen of the night ? (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: Wonderful cheese-eating twinkling uncleanness 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: Pungent charcoal kitchen (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: Brindle godawful queen of the night 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: Wonderful cheese-eating twinkling uncleanness 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: Brindle godawful queen of the night 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: Wonderful cheese-eating twinkling uncleanness 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: Wonderful cheese-eating twinkling uncleanness 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: Khaki multi-colored boltzmann 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: Wonderful cheese-eating twinkling uncleanness 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: Khaki multi-colored boltzmann 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: Wonderful cheese-eating twinkling uncleanness 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: dashing rebellious sound barrier knife 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: Wonderful cheese-eating twinkling uncleanness 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: dashing rebellious sound barrier knife 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: Wonderful cheese-eating twinkling uncleanness (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: Cracking Church Building Potus (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: titillating ruddy space 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: Cyan haunting place of business (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: thriller degenerate milk 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: Yapping Plaza 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: Brindle godawful queen of the night 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: thriller degenerate milk (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: Wonderful cheese-eating twinkling uncleanness 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: Khaki multi-colored boltzmann 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: flushed bateful office blood rage SUMMON: Rach
"Boy, have we got an idea for you: XO SMALLDEBT!" |
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Date: November 18th, 2015 9:58 PM Author: Wonderful cheese-eating twinkling uncleanness 20%>0%>one year of litigation where I represent self for sport.
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Date: November 29th, 2015 8:04 PM Author: Kink-friendly Address 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: Wonderful cheese-eating twinkling uncleanness 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: Wonderful cheese-eating twinkling uncleanness (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29278493) |