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Got served re: debt. Summon: The XO Spirit-Protector of Shitlaw
| Adulterous snowy spot | 11/18/15 |
| pearly stimulating native roast beef | 11/18/15 |
| Adulterous snowy spot | 11/18/15 |
| pearly stimulating native roast beef | 11/18/15 |
| Adulterous snowy spot | 11/18/15 |
| Idiotic psychic theater stage | 11/18/15 |
| Adulterous snowy spot | 11/18/15 |
| lime fluffy nowag useless brakes | 11/18/15 |
| Adulterous snowy spot | 11/18/15 |
| Idiotic psychic theater stage | 11/18/15 |
| lime fluffy nowag useless brakes | 11/18/15 |
| splenetic slap-happy gas station prole | 11/18/15 |
| Adulterous snowy spot | 11/18/15 |
| spectacular translucent new version international law enforcement agency | 11/18/15 |
| splenetic slap-happy gas station prole | 11/18/15 |
| Adulterous snowy spot | 11/18/15 |
| splenetic slap-happy gas station prole | 11/18/15 |
| Adulterous snowy spot | 11/18/15 |
| Adulterous snowy spot | 11/18/15 |
| Idiotic psychic theater stage | 11/18/15 |
| Adulterous snowy spot | 11/18/15 |
| Idiotic psychic theater stage | 11/18/15 |
| Adulterous snowy spot | 11/18/15 |
| stirring ceo becky | 11/18/15 |
| Adulterous snowy spot | 11/18/15 |
| stirring ceo becky | 11/18/15 |
| Adulterous snowy spot | 11/18/15 |
| Chrome big chad box office | 11/18/15 |
| Beady-eyed Brilliant Personal Credit Line | 11/18/15 |
| Vigorous theatre incel | 11/18/15 |
| Embarrassed to the bone vermilion boltzmann brunch | 11/18/15 |
| gaped tantric idea he suggested | 11/18/15 |
| splenetic slap-happy gas station prole | 11/18/15 |
| Embarrassed to the bone vermilion boltzmann brunch | 11/18/15 |
| Adulterous snowy spot | 11/18/15 |
| Idiotic psychic theater stage | 11/29/15 |
| indigo hairraiser rehab main people | 11/29/15 |
| Adulterous snowy spot | 11/18/15 |
| Galvanic forum doctorate | 11/29/15 |
| Adulterous snowy spot | 11/29/15 |
| Adulterous snowy spot | 11/30/15 |
Poast new message in this thread
Date: November 18th, 2015 11:57 AM Author: Adulterous snowy spot 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: pearly stimulating native roast beef 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: Adulterous snowy spot 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: pearly stimulating native roast beef 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: Adulterous snowy spot 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: Idiotic psychic theater stage 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: Adulterous snowy spot 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: lime fluffy nowag useless brakes 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: Adulterous snowy spot see above (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29206589) |
Date: November 18th, 2015 12:09 PM Author: Idiotic psychic theater stage 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: lime fluffy nowag useless brakes 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: splenetic slap-happy gas station prole ? (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: Adulterous snowy spot 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: spectacular translucent new version international law enforcement agency (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: splenetic slap-happy gas station prole 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: Adulterous snowy spot 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: splenetic slap-happy gas station prole 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: Adulterous snowy spot 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: Adulterous snowy spot 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: Idiotic psychic theater stage 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: Adulterous snowy spot 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: Idiotic psychic theater stage 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: Adulterous snowy spot 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: stirring ceo becky 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: Adulterous snowy spot 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: stirring ceo becky 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: Adulterous snowy spot (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: Chrome big chad box office (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: Beady-eyed Brilliant Personal Credit Line 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: Vigorous theatre incel (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: Embarrassed to the bone vermilion boltzmann brunch 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: gaped tantric idea he suggested 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: splenetic slap-happy gas station prole 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: Embarrassed to the bone vermilion boltzmann brunch (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: Adulterous snowy spot 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: Idiotic psychic theater stage 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: indigo hairraiser rehab main people SUMMON: Rach
"Boy, have we got an idea for you: XO SMALLDEBT!" |
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Date: November 18th, 2015 9:58 PM Author: Adulterous snowy spot 20%>0%>one year of litigation where I represent self for sport.
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Date: November 29th, 2015 8:04 PM Author: Galvanic forum doctorate 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: Adulterous snowy spot 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: Adulterous snowy spot (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29278493) |