Posted by sunny10 on March 25, 2005, at 9:06:33
In reply to Re: AuntieMel et al, I need some advice... » sunny10, posted by partlycloudy on March 25, 2005, at 7:45:36
that debt was from divorce proceedings. A lawyer wouldn't have helped because it was a court that assigned that debt to me.
I didn't have any money at all, then. By the time I could afford to make monthly payemnts on it, I was told they wanted lump sum payments. I didn't have that kind of money, and I did try to get a lawyer for free- even tried going through NAMI, but no one near Philly would do it for free- still needed a lump sum payment to pay the lawyer!!
And the "debtfree" types of organizations couldn't get their lower payments within my payment abilities. Can you imagine they told me to ask my boss for a $226.00 a week raise???!!??? What planet do THEY come from???
It is just "start over" for me... the end of the seven years since "date of last transaction" is almost up for a great portion of the debt. I am within my rights as a US citizen to have it stricken from my record. That's WHY the debt collectors are leaving "legal sounding" messages on my answering machine. I know the next step for them is to go to court to freeze my funds; I've done my research...
I am stuck just waiting it out and hoping that their judge will see that I have never signed anything (thus there is no date of last activity) with these debt collectors. The debt collectors make money because they are counting on the american public not to know their rights, and the judges to be lazy...
My entire life is in a state of limbo at the moment. Just siting here, waiting for the ax to fall and hoping that I will not be hurt too badly, both fiscally and emotionally...
poster:sunny10
thread:474910
URL: http://www.dr-bob.org/babble/relate/20050325/msgs/475336.html