The most prestigious law school admissions discussion board in the world.
|
 |
 
|
Got served re: debt. Summon: The XO Spirit-Protector of Shitlaw
| flesh self-centered bbw area | 11/18/15 |
| beady-eyed house | 11/18/15 |
| flesh self-centered bbw area | 11/18/15 |
| beady-eyed house | 11/18/15 |
| flesh self-centered bbw area | 11/18/15 |
| canary pontificating organic girlfriend hairy legs | 11/18/15 |
| flesh self-centered bbw area | 11/18/15 |
| Jet-lagged theater regret | 11/18/15 |
| flesh self-centered bbw area | 11/18/15 |
| canary pontificating organic girlfriend hairy legs | 11/18/15 |
| Jet-lagged theater regret | 11/18/15 |
| Supple bawdyhouse | 11/18/15 |
| flesh self-centered bbw area | 11/18/15 |
| aphrodisiac azure principal's office internal respiration | 11/18/15 |
| Supple bawdyhouse | 11/18/15 |
| flesh self-centered bbw area | 11/18/15 |
| Supple bawdyhouse | 11/18/15 |
| flesh self-centered bbw area | 11/18/15 |
| flesh self-centered bbw area | 11/18/15 |
| canary pontificating organic girlfriend hairy legs | 11/18/15 |
| flesh self-centered bbw area | 11/18/15 |
| canary pontificating organic girlfriend hairy legs | 11/18/15 |
| flesh self-centered bbw area | 11/18/15 |
| Smoky insane brunch immigrant | 11/18/15 |
| flesh self-centered bbw area | 11/18/15 |
| Smoky insane brunch immigrant | 11/18/15 |
| flesh self-centered bbw area | 11/18/15 |
| Zombie-like Sandwich Resort | 11/18/15 |
| Narrow-minded submissive parlour mediation | 11/18/15 |
| Odious Nighttime Preventive Strike | 11/18/15 |
| flushed embarrassed to the bone market keepsake machete | 11/18/15 |
| Internet-worthy Dragon Ceo | 11/18/15 |
| Supple bawdyhouse | 11/18/15 |
| flushed embarrassed to the bone market keepsake machete | 11/18/15 |
| flesh self-centered bbw area | 11/18/15 |
| canary pontificating organic girlfriend hairy legs | 11/29/15 |
| marvelous pearl twinkling uncleanness | 11/29/15 |
| flesh self-centered bbw area | 11/18/15 |
| low-t domesticated box office | 11/29/15 |
| flesh self-centered bbw area | 11/29/15 |
| flesh self-centered bbw area | 11/30/15 |
Poast new message in this thread
Date: November 18th, 2015 11:57 AM Author: flesh self-centered bbw area 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.
|
 |
Date: November 18th, 2015 12:08 PM Author: beady-eyed house Is this a debt assigned to someone else? (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29206574) |
|
Date: November 18th, 2015 12:10 PM Author: flesh self-centered bbw area Yes, the plaintiff is not the original creditor. (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29206581) |
|
Date: November 18th, 2015 12:20 PM Author: beady-eyed house 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. |
|
Date: November 18th, 2015 12:31 PM Author: flesh self-centered bbw area ty (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29206673) |
|
Date: November 18th, 2015 12:21 PM Author: canary pontificating organic girlfriend hairy legs 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) |
|
Date: November 18th, 2015 9:12 PM Author: flesh self-centered bbw area ty (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29209572) |
|
Date: November 18th, 2015 12:10 PM Author: Jet-lagged theater regret 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) |
|
Date: November 18th, 2015 12:12 PM Author: flesh self-centered bbw area see above (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29206589) |
Date: November 18th, 2015 12:09 PM Author: canary pontificating organic girlfriend hairy legs 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. |
|
Date: November 18th, 2015 12:10 PM Author: Jet-lagged theater regret Or assign the debt to someone else. (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29206583) |
|
Date: November 18th, 2015 1:23 PM Author: Supple bawdyhouse ? (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29206900) |
|
Date: November 18th, 2015 1:39 PM Author: flesh self-centered bbw area 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) |
|
Date: November 18th, 2015 9:16 PM Author: aphrodisiac azure principal's office internal respiration (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29209607) |
|
Date: November 18th, 2015 9:32 PM Author: Supple bawdyhouse 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) |
|
Date: November 18th, 2015 9:44 PM Author: flesh self-centered bbw area this used to be the way to clear your credit history. the owner of debt can update it.
|
|
Date: November 18th, 2015 9:46 PM Author: Supple bawdyhouse So why isn't it now? (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29209882) |
|
Date: November 18th, 2015 9:48 PM Author: flesh self-centered bbw area it well may be, but back then, simpler times (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29209899) |
|
Date: November 18th, 2015 12:11 PM Author: flesh self-centered bbw area 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) |
|
Date: November 18th, 2015 12:20 PM Author: canary pontificating organic girlfriend hairy legs 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) |
|
Date: November 18th, 2015 12:25 PM Author: flesh self-centered bbw area 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) |
|
Date: November 18th, 2015 1:13 PM Author: canary pontificating organic girlfriend hairy legs I don't know, you need to check your local rules. (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29206862) |
|
Date: November 18th, 2015 1:15 PM Author: flesh self-centered bbw area 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. |
|
Date: November 18th, 2015 1:16 PM Author: Smoky insane brunch immigrant just send them a bomb threat (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29206874) |
|
Date: November 18th, 2015 1:20 PM Author: flesh self-centered bbw area And debt worries will go away? Brilliant! (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29206889) |
|
Date: November 18th, 2015 1:44 PM Author: Smoky insane brunch immigrant one weird trick. (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29207001) |
|
Date: November 18th, 2015 3:58 PM Author: flesh self-centered bbw area (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29207696) |
|
Date: November 18th, 2015 9:29 PM Author: Zombie-like Sandwich Resort (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29209747) |
|
Date: November 18th, 2015 9:40 PM Author: Narrow-minded submissive parlour mediation 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) |
|
Date: November 18th, 2015 9:43 PM Author: Odious Nighttime Preventive Strike (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29209863) |
|
Date: November 18th, 2015 9:50 PM Author: flushed embarrassed to the bone market keepsake machete 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) |
|
Date: November 18th, 2015 9:54 PM Author: Internet-worthy Dragon Ceo They probably bought it for $100. (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29209951) |
|
Date: November 18th, 2015 9:56 PM Author: Supple bawdyhouse 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) |
|
Date: November 18th, 2015 9:56 PM Author: flushed embarrassed to the bone market keepsake machete (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29209970) |
|
Date: November 18th, 2015 9:59 PM Author: flesh self-centered bbw area how is my offer money worse than fake company money? (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29209994) |
|
Date: November 29th, 2015 7:53 PM Author: canary pontificating organic girlfriend hairy legs Holy shit this could actually work (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29273540) |
|
Date: November 29th, 2015 8:00 PM Author: marvelous pearl twinkling uncleanness SUMMON: Rach
"Boy, have we got an idea for you: XO SMALLDEBT!" |
|
Date: November 18th, 2015 9:58 PM Author: flesh self-centered bbw area 20%>0%>one year of litigation where I represent self for sport.
|
|
Date: November 29th, 2015 8:04 PM Author: low-t domesticated box office 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) |
|
Date: November 29th, 2015 10:46 PM Author: flesh self-centered bbw area Who is "you"? (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29274924) |
|
Date: November 30th, 2015 4:13 PM Author: flesh self-centered bbw area (http://www.autoadmit.com/thread.php?thread_id=3048163&forum_id=2#29278493) |