KingRevolver
Born Rambler
Re: Who here has been sued by a credit card company?
No offense, but no one will give a shit.
No offense, but no one will give a shit.
Who here has been sued by a credit card company?
- Thread starter ttwarrior1
- Start date
Re: Who here has been sued by a credit card company?
Tt
Undiagnosed broken ? Huh
Dont be so down on yourself ie ougly and car would break down. Change your attitude. Fake it if you must. And trust us they will settle it, they purchased it for a b.ig discount and expect to settle. You were paying sixty a month, clean toilets if you must for a hundred a month
Tt
Undiagnosed broken ? Huh
Dont be so down on yourself ie ougly and car would break down. Change your attitude. Fake it if you must. And trust us they will settle it, they purchased it for a b.ig discount and expect to settle. You were paying sixty a month, clean toilets if you must for a hundred a month
WVU
EOG Master
Re: Who here has been sued by a credit card company?
your new interest rate is going to be 12% if they win the suit. Not all that bad.
your new interest rate is going to be 12% if they win the suit. Not all that bad.
ttwarrior1
Banned
Re: Who here has been sued by a credit card company?
yeh it already says 12 percent on it, not a bad deal???
So 3,500 and 12 percent interest when i dont have a dime to pay????
yeh it already says 12 percent on it, not a bad deal???
So 3,500 and 12 percent interest when i dont have a dime to pay????
Re: Who here has been sued by a credit card company?
Straight from Clark Howard...
"You cannot and will not ever be sent to jail for a credit card debt."
Go to Show Pages - Clark Howard - CNN.com
he has a lot of info on this very subject.
Straight from Clark Howard...
"You cannot and will not ever be sent to jail for a credit card debt."
Go to Show Pages - Clark Howard - CNN.com
he has a lot of info on this very subject.
ttwarrior1
Banned
Re: Who here has been sued by a credit card company?
tuck i guess you don't know my story
Who would hire me???
Plus i can't and not what this post is about
Plus no part time jobs here that will hire a 350 pound 38 year old
ps: never had a day in my life we're ive eaten over 4 k calories in 1 day, stuff happens
Also broken hip
tuck i guess you don't know my story
Who would hire me???
Plus i can't and not what this post is about
Plus no part time jobs here that will hire a 350 pound 38 year old
ps: never had a day in my life we're ive eaten over 4 k calories in 1 day, stuff happens
Also broken hip
ttwarrior1
Banned
Re: Who here has been sued by a credit card company?
don't know man, the whole thing isn't broke,
I can also do cartwheels, run a 4.9 40 and and incline 500 pounds, but big deal
don't know man, the whole thing isn't broke,
I can also do cartwheels, run a 4.9 40 and and incline 500 pounds, but big deal
Heim
EOG Master
Re: Who here has been sued by a credit card company?
What are you worried about?.......you're judgement proof. I wouldn't have wasted time even filing an answer. What ever the amount you do not have the ability to pay. You'll get dinged on your FICO and that is about it The judgement is good for 10 years however they will continually have to do skip traces to find assets which is not cost effective for $3500.
What are you worried about?.......you're judgement proof. I wouldn't have wasted time even filing an answer. What ever the amount you do not have the ability to pay. You'll get dinged on your FICO and that is about it The judgement is good for 10 years however they will continually have to do skip traces to find assets which is not cost effective for $3500.
Doug
2
Re: Who here has been sued by a credit card company?
Even if he had some decent assets a chapter 7 bankruptcy would discharge the unsecured debts like CC's and medical bills, you could probably protect 100k or more in equity assets ( like a home) if you had anything much. If he gets something going he can always do the Chap 7. These creditors will drop this....hell offer $100 as payment in full.
This tt guy might be just trolling for attention....for whatever reason.....maybe to scam somebody on the Dell deal.....send me the $1400 first and I'll max out my credit ? Very fishy, IMO !
Even if he had some decent assets a chapter 7 bankruptcy would discharge the unsecured debts like CC's and medical bills, you could probably protect 100k or more in equity assets ( like a home) if you had anything much. If he gets something going he can always do the Chap 7. These creditors will drop this....hell offer $100 as payment in full.
This tt guy might be just trolling for attention....for whatever reason.....maybe to scam somebody on the Dell deal.....send me the $1400 first and I'll max out my credit ? Very fishy, IMO !
Doug
2
Re: Who here has been sued by a credit card company?
Well if all is as you say then FS, Welfare, Section 8 housing, disability, etc. is what you left with....
Well if all is as you say then FS, Welfare, Section 8 housing, disability, etc. is what you left with....
ttwarrior1
Banned
Re: Who here has been sued by a credit card company?
update:
i called the attorneys and guess what? they would not settle and they are going after the whole ammount.
They pretty much said i needed to change my lifestyle and get a job and pay them back and they also said it would continue to grow every year the amount that i owe. I said i had sick relatives that i take care of and that i need to stop and have someone else do it or have them pay the money i owe them.
Hell Id get arrested right now if i left the house. My sister is in the other room, disabled and has to have a guardian 24 hours a day. My grandparents also whe i watch them about 20 hours a week.
The 20 bucks they give me just won't add up to 3,500
Can't believe they are actually going to drive 3 hours here, show up in court and demand the whole ammount. They also said the judge won't throw it out and will give them the full amount if not more
update:
i called the attorneys and guess what? they would not settle and they are going after the whole ammount.
They pretty much said i needed to change my lifestyle and get a job and pay them back and they also said it would continue to grow every year the amount that i owe. I said i had sick relatives that i take care of and that i need to stop and have someone else do it or have them pay the money i owe them.
Hell Id get arrested right now if i left the house. My sister is in the other room, disabled and has to have a guardian 24 hours a day. My grandparents also whe i watch them about 20 hours a week.
The 20 bucks they give me just won't add up to 3,500
Can't believe they are actually going to drive 3 hours here, show up in court and demand the whole ammount. They also said the judge won't throw it out and will give them the full amount if not more
Re: Who here has been sued by a credit card company?
Credit card debt is unsecured debt. Credit card companies can't foreclose on nothing. They take a risk on people paying them back, but then may charge 27% interest in a 0% interest rate market to cover the deliquencies.
Law enforcement is not in the debt collection business. There are no debtors' prisons in the US.
You don't pay your credit card bills, the Sheriff won't care. You miss court appearances, he will care.
I'm amazed that there is actually a law firm/collection agency pursuing a $3500 delinquency. Are there no ambulances left to chase?
If you don't have the money, you don't have it. Loan gone bad. End of story.
Credit card debt is unsecured debt. Credit card companies can't foreclose on nothing. They take a risk on people paying them back, but then may charge 27% interest in a 0% interest rate market to cover the deliquencies.
Law enforcement is not in the debt collection business. There are no debtors' prisons in the US.
You don't pay your credit card bills, the Sheriff won't care. You miss court appearances, he will care.
I'm amazed that there is actually a law firm/collection agency pursuing a $3500 delinquency. Are there no ambulances left to chase?
If you don't have the money, you don't have it. Loan gone bad. End of story.
Doug
2
Re: Who here has been sued by a credit card company?
I'm with Jeff on this one, a judgment is worth nothing if the guy can't pay anything....it becomes akin to trying to suing a deer you had a collision with for damages to your car.
A collection agency will pursue amounts under $100 at times, though. I signed up for home delivery of the Hartford Courant for like $1 / week for 6 months and pre-paid it, clearly told them several times to stop after the six months, they went about 2 months past that ( at full price), I refused to pay, it was sent to a collection agency. I never paid, it doesn't show on my credit reports.
Go to court if summoned, but even if you don't a FTA won't get a deputy hunting you ( unless it were a felony charge), they will wait until they run your ID for warrants some day.
This guy is trying to sell a computer for cash first, IMO. I say Scammer.
I'm with Jeff on this one, a judgment is worth nothing if the guy can't pay anything....it becomes akin to trying to suing a deer you had a collision with for damages to your car.
A collection agency will pursue amounts under $100 at times, though. I signed up for home delivery of the Hartford Courant for like $1 / week for 6 months and pre-paid it, clearly told them several times to stop after the six months, they went about 2 months past that ( at full price), I refused to pay, it was sent to a collection agency. I never paid, it doesn't show on my credit reports.
Go to court if summoned, but even if you don't a FTA won't get a deputy hunting you ( unless it were a felony charge), they will wait until they run your ID for warrants some day.
This guy is trying to sell a computer for cash first, IMO. I say Scammer.
Doug
2
Re: Who here has been sued by a credit card company?
Horrible advice ! If summoned you appear otherwise a bench warrant will be issued for your arrest.
Your Honor, I have no money and can't pay.....is the way to go !
Horrible advice ! If summoned you appear otherwise a bench warrant will be issued for your arrest.
Your Honor, I have no money and can't pay.....is the way to go !
cassiusclay
EOG Master
Doug
2
Re: Who here has been sued by a credit card company?
This isn't jury duty where they mailed you a notice you can claim was never received.
If the deputy served you or you signed for certified/ registered mail, then appear.
Maybe jail ain't so bad for this guy as an option ? Perhaps the healthcare is better there ?
This isn't jury duty where they mailed you a notice you can claim was never received.
If the deputy served you or you signed for certified/ registered mail, then appear.
Maybe jail ain't so bad for this guy as an option ? Perhaps the healthcare is better there ?
mr merlin
EOG Master
Re: Who here has been sued by a credit card company?
It has to be a civil suit, not a criminal one, if you no show at a civil hearing, you lose - thats it. If it's criminal(such as credit card fraud) then there's alot more here than he said, of course he has to show up then.
Re: Who here has been sued by a credit card company?
This is a CIVIL case, not criminal. NO bench warrant will be issued. You will automatically lose the suit, by not showing up at court and a judgement for the $ amount will be placed on you. In X amount of years the Law firm winning the judgement can wipe their ass with the paper it's written on. This is NOT a lifetime sentence, plus, no crime has been committed. Bottom of the barrel Law firms do collection work.
By not going to court on what grounds will they arrest you?
This is a CIVIL case, not criminal. NO bench warrant will be issued. You will automatically lose the suit, by not showing up at court and a judgement for the $ amount will be placed on you. In X amount of years the Law firm winning the judgement can wipe their ass with the paper it's written on. This is NOT a lifetime sentence, plus, no crime has been committed. Bottom of the barrel Law firms do collection work.
By not going to court on what grounds will they arrest you?
Doug
2
Re: Who here has been sued by a credit card company?
OK then, I said I was an amateur attorney, up front....
If the guy has nothing (as claimed) then a judgment against him is pretty worthless as well.
I'd appear if it were me, then maybe get directed to some social worker types that might be able to help me....
OK then, I said I was an amateur attorney, up front....
If the guy has nothing (as claimed) then a judgment against him is pretty worthless as well.
I'd appear if it were me, then maybe get directed to some social worker types that might be able to help me....
ttwarrior1
Banned
Re: Who here has been sued by a credit card company?
lets say they win judgement, who is the person that will check each week, month or year to see if i have money in my bank account, working, getting money, etc
Damn attorney has a facebook page and wearing a bikini, maybe i should add her as a friend:+textinb3
lets say they win judgement, who is the person that will check each week, month or year to see if i have money in my bank account, working, getting money, etc
Damn attorney has a facebook page and wearing a bikini, maybe i should add her as a friend:+textinb3
ttwarrior1
Banned
Re: Who here has been sued by a credit card company?
ok stupid question here i guess
ive done google searches and Ive yet to find one person that has settled for pennies on the dollar . I hear stories of people settling for pennies, i assume they mean like 80 cents on the dollar????
also If they win judgement and i have nothing to pay and they get 12 percent interest and ten years from now i win a million dollars, hell they would get it all. I doubt i will be working until my sick relatives die which could be 1 day to 15 years , who knows. I just hope to be alive in ten years myself. Actually hope they outlive me and live to be old and healthier.
ok stupid question here i guess
ive done google searches and Ive yet to find one person that has settled for pennies on the dollar . I hear stories of people settling for pennies, i assume they mean like 80 cents on the dollar????
also If they win judgement and i have nothing to pay and they get 12 percent interest and ten years from now i win a million dollars, hell they would get it all. I doubt i will be working until my sick relatives die which could be 1 day to 15 years , who knows. I just hope to be alive in ten years myself. Actually hope they outlive me and live to be old and healthier.
mr merlin
EOG Master
Re: Who here has been sued by a credit card company?
Ask yourself if it's likely you'll turn your life around, get a job, own property, have some money, 5 or 10 years from now? If you think you will, you can worry a little bit. But if your likely to continue to be a broken down, unemployed bum, who owes more money than you can pay...then stop worrying. And by the way, if you win a million bucks ten years from now...pay everyone you stiffed and you can sleep well.
Doug
2
Re: Who here has been sued by a credit card company?
Chapter 7 Bankruptcy would clear all unsecured debts , but maybe cost 1-2 k if you lawyer up...and you gotta pay them cash....no lawyer wants your IOU, chump !
Story sounds bogus to me....no blood out of a stone theory. You have to own something to place a lien against ( home).
What is a judgment against you worth ?...I'm thinking close to zero ?
Chapter 7 Bankruptcy would clear all unsecured debts , but maybe cost 1-2 k if you lawyer up...and you gotta pay them cash....no lawyer wants your IOU, chump !
Story sounds bogus to me....no blood out of a stone theory. You have to own something to place a lien against ( home).
What is a judgment against you worth ?...I'm thinking close to zero ?
Doug
2
Re: Who here has been sued by a credit card company?
win the lottery or inherit 10 million....I think that is more like 6 months ?
Then the statue ( sic) of limitations might become effective ?
win the lottery or inherit 10 million....I think that is more like 6 months ?
Then the statue ( sic) of limitations might become effective ?
ttwarrior1
Banned
Re: Who here has been sued by a credit card company?
yeh im making this all up , roll eyes
No bankrupcty, sorry
plus like i said, if i had the money , id pay it all in full tommorrow, so if i get money later, could care less if they garnish any wage but how would they know im getting wages if its lets say a cash job
yeh im making this all up , roll eyes
No bankrupcty, sorry
plus like i said, if i had the money , id pay it all in full tommorrow, so if i get money later, could care less if they garnish any wage but how would they know im getting wages if its lets say a cash job
Seymour
EOG Dedicated
Re: Who here has been sued by a credit card company?
If u don't have money and u have no real defense to the suit (like someone else made the charges) then there is no need to go to court - just let them get a default judgment against u - the creditor is going to do nothing once they obtain the judgment - after a period of years the judgment dies (usually 7 or 10 years) - u have nothing for them to levy on plus that is not there business - theyre r just hoping someday u will be in a different situation and will want to settle with them - but u will always be able to settle for like 1500 in several years from now - but the judgment will be like bad credit and they r going to record it in the county in which u live and u will not be able to purchase a home or real estate (with title insurance) until u get a satisfaction
If u don't have money and u have no real defense to the suit (like someone else made the charges) then there is no need to go to court - just let them get a default judgment against u - the creditor is going to do nothing once they obtain the judgment - after a period of years the judgment dies (usually 7 or 10 years) - u have nothing for them to levy on plus that is not there business - theyre r just hoping someday u will be in a different situation and will want to settle with them - but u will always be able to settle for like 1500 in several years from now - but the judgment will be like bad credit and they r going to record it in the county in which u live and u will not be able to purchase a home or real estate (with title insurance) until u get a satisfaction
ttwarrior1
Banned
Re: Who here has been sued by a credit card company?
well i always thought that kind of stuff is overrated, if you need to buy anything, a wife,girlfriend, mom, aunt, uncle, cousin or whoever can buy you what u need. Eog and poker is all i need:+textinb3
well i always thought that kind of stuff is overrated, if you need to buy anything, a wife,girlfriend, mom, aunt, uncle, cousin or whoever can buy you what u need. Eog and poker is all i need:+textinb3
ttwarrior1
Banned
Re: Who here has been sued by a credit card company?
So if there is ever a court date, do they have to show up. Ive been told 5 yes and 5 no so far. What is the difference in being summoned with something to put in a written defense and a summons with a court date?
Some chick 3 hours away driving here to sue one person with money they won't get just seems weird to me.
Ive even heard if the court says i have to pay and i don't, then it will become criminal and not civil
So if there is ever a court date, do they have to show up. Ive been told 5 yes and 5 no so far. What is the difference in being summoned with something to put in a written defense and a summons with a court date?
Some chick 3 hours away driving here to sue one person with money they won't get just seems weird to me.
Ive even heard if the court says i have to pay and i don't, then it will become criminal and not civil
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kinosh
2
Re: Who here has been sued by a credit card company?
It doesn't matter if you show up or not because you will lose either way. You owe the money.
It doesn't matter if you show up or not because you will lose either way. You owe the money.
Seymour
EOG Dedicated
Re: Who here has been sued by a credit card company?
I'm an attorney - this is a civil matter - if u show up they r gonna get a judgment against u as u have no defense andif u don't show they r gonna get a default judgment against u - u can go if ud like but thereis no need to
I'm an attorney - this is a civil matter - if u show up they r gonna get a judgment against u as u have no defense andif u don't show they r gonna get a default judgment against u - u can go if ud like but thereis no need to
ttwarrior1
Banned
Re: Who here has been sued by a credit card company?
i understand i will owe , but what if i never have any money ever as far as work money or assets/
Someone give me a 5 buck parlay on here and wouldn't be talking about this
i understand i will owe , but what if i never have any money ever as far as work money or assets/
Someone give me a 5 buck parlay on here and wouldn't be talking about this
kinosh
2
Re: Who here has been sued by a credit card company?
Then you are a loser. Get a job and spend less than you make. This is the key to building wealth (or getting out of debt). Stop making excuses and expecting the government (or someone else) to take care of you.
Then you are a loser. Get a job and spend less than you make. This is the key to building wealth (or getting out of debt). Stop making excuses and expecting the government (or someone else) to take care of you.
Timely Hero
Jacoby Blows
Re: Who here has been sued by a credit card company?
is this EOG's very own Octoman?
is this EOG's very own Octoman?