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User Info: Obellisk

Obellisk
4 weeks ago#121
Didn't read the three pages of posts but let them sue, then they can file a lien against you which you'll never have to pay. Go legal system.
(\____/)
( SBell )

User Info: Heroic Bigpun

Heroic Bigpun
3 weeks ago#122
so I finally spoke to the lawyer. Unfortunately the only lawyers around here that give free consultations is a criminal lawyer so this wasn't quite up his alley but he still gave me a lot of help. lawyers around here charge $300 an hour. He said I have to get the deadline off my back and have something in the system. So I should file a form called General denial. Then he suggested I should seek out a settlement after I do that, perhaps a week after or so
pUnny at his phone. Expect tYpos
(edited 3 weeks ago)

User Info: Emeraldegg

Emeraldegg
3 weeks ago#123
I hope it works out for you pun. I wasn't trying to call you out or anything, I just hate to see you get taken advantage of. We are all just trying to help you.
I'm a greener egg than the eggs from dr. seuss

User Info: Punnyz

Punnyz
3 weeks ago#124
its no problem
https://i.imgur.com/qBpLe47.png
http://i.imgur.com/25MHSn1.gif

User Info: Punnyz

Punnyz
3 weeks ago#125
he told me I have to speak to the court clerk again when I'm ready

he did say I can google a form or a template or something, but he said the clerk might have a form

I went and they do not, but they said its just either an email or a letter I type up. I asked to make sure, its nothing formal? and they said no, just type up, explain things on your end if you want to, and it will be in the system. the monday deadline where I just automatically lose will no longer be in effect. I will then have to wait 45 days

within the 45 days I can reach out and see if I can settle

the criminal lawyer even suggested I should do this myself. A lawyer can charge AT LEAST 600. If I settle on top of that, then its like, I may as well have paid the whole thing
https://i.imgur.com/qBpLe47.png
http://i.imgur.com/25MHSn1.gif
(edited 3 weeks ago)

User Info: Punnyz

Punnyz
3 weeks ago#126
I'm now constructing the letter. I'm still gonna make it a little formal, but I'm doing it now
https://i.imgur.com/qBpLe47.png
http://i.imgur.com/25MHSn1.gif

User Info: Punnyz

Punnyz
3 weeks ago#127
ChaosTonyV4 posted...
If it's the courthouse, it's probably legit.

https://blog.credit.com/2019/07/seven-ways-to-defend-a-debt-collection-lawsuit-62166/

The first four steps are basically exactly what I've been saying. You've got this, dude.

@ChaosTonyV4

I'm rereading this one more time

theres just no details here

they don't actually say how to respond

they don't say what happens if they DO bounce back with all of the proper s***

and it doesn't help me that step 4 is the statute of limitations, and I know its within the time

and I sorta stop reading at "Hire an attorney"

So again, I'm sorry I'm not gung ho about your method but theres too much open ended

I WILL question their right to sue at the very least though, so I AM walking away with something, just don't be offended, buddy
https://i.imgur.com/qBpLe47.png
http://i.imgur.com/25MHSn1.gif

User Info: SaintAkira7

SaintAkira7
3 weeks ago#128
Sorry for jumping into the middle of the thread. Seems like you're owning up to a legitimate debt that you've incurred. And that's okay. That being said, and as has been mentioned in this thread, the collection agency probably paid $50 for your debt (pulling a number out out my ass, but they literally paid pennies on the dollar for it), so they are going to be willing to work with you on this, without a doubt. Now, whether they'll knock off the interest that's accrued, I have no idea. But if, IF you get into talks about payment, keep that fact, that they paid likely a tiny sum for the debt, in mind. I'm also certain they'll be willing to work out a payment plan that you can afford; they'd rather you pay anything than have to devote more time and resources into your relatively small debt. Just some things to keep in mind.

So, do everything you've already planned, with your letter and certainly questioning their right to sue, has their been previous attempts at contact, etc (including the good advice you've received from previous posters). Just trying to look at it from a worst-case, you gotta pay something back scenario.

Good luck.
PSN: SaintAkira42
https://na.finalfantasyxiv.com/lodestone/character/18491169/

User Info: SantaRPidgey

SantaRPidgey
3 weeks ago#129
Punnyz posted...
they don't say what happens if they DO bounce back with all of the proper s***


probably because it literally never happens lol.

You realize the debt collectors have to pay for a lawyer too right? How much do you think they are going to pay for a debt they paid fifty bucks for?
wird

User Info: ChaosTonyV4

ChaosTonyV4
3 weeks ago#130
Random factoid that may help you feel better:

According to this website sponsored by a law firm specializing in consumer rights and finance law, debt collectors can't collect attorney fees from you unless it was specifically written into your original contract, and that's apparently extremely rare.

https://protectingconsumerrights.com/blog/2012/11/05/debt-collectors-charge-attorneys-fees-when-is-it-legal/
Phantom Dust.
"I'll just wait for time to prove me right again." - Vlado
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