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Thank you. That nullifies a lot of stuff I've been reading about on the internet.

Shalam Sis, I'm hoping all is well with you and your. Would it be ok to have a secured credit card within the within a month after filling out a bankruptcy?

Doesnt matter. Not paying that shit anyway.

Does my credit report get affected? And is it better to sell the car?

just before I moved to a new state, my then-doctor started a new practice. I went and saw him while everything was still sort of new, the building was still under construction, and there were new office workers. They filed my paperwork wrong, or neglected to send it to my insurance, and the day before the move I stopped by to discuss it with them. Once they realized their error, they made plans to re-submit to insurance, and that was that. Then 8 years later the debt collector calls me. I told them that my insurance had been billed, my portion paid, end of story. They were adamant that I owed, so I told them to send me a bill, including the date of service, the information about sending to insurance, etc, and I told them I would get proof of the fact that I had already paid.. They never called me back.

What if you’re 1099? Can they still garnish? I can easily send find to another person account. Legal?

If you are looking for answers you have to call in they wont or at least they haven't been responding to comments but they give free consultations over the phone however id recommend doing it by the state youre in just type in debt collector policies"your state" and youll have plenty to chose from ❤

American?

Yet the government gets awat with trillions in debt to whom...

Need help Touch much Balance..

So I am upside down in car loan due to a lemon that was given. My credit is good have made payments but i will surrender it. Done. No dealer will help. So i got myself in a new car today for less money. My credit will take a hit but i will be out of 20k negative equity. Any defeciancy balance that nay occur I wont pay. Turn it over to collections then after 7yrs they can leave me alone. Its awful how good people follow the rules and get screwed

I think you're cute. ☺☺

Yes all of you created a fraudulent system of debt so that you can offer a service to charge people to solve their problem that you all created. You ever wonder why Yeshua/Jesus condemn all lawyers to hell? You are all fraudsters

How about if you are 20k upside down?

No.

Thank you so much for this information,there so many scammers out here.

He's saying both ways screw you

Thank you for sharing your knowledge 🙏

I received a phone call that sounded like a scam, alleging I STILL owed a $10,000 'student loan' debt from 25 YEARS ago. I finished monthly payments and paid this high-interest student loan debt IN FULL about 7 years ago. It's one thing to attempt to avoid paying an actual debt but how DARE anyone allege that not only did I owe the full $10,000, but that I NEVER made a single payment at all on this student loan. This attorney-backed collection agency not only threatened me that a court case was pending but had the GALL to ask me to make payments AFTER I told him it was already PAID IN FULL! Your advice is extremely appreciated!

Love the video

Banks will investigate any garnishment and if there is a protected source of income, they will not freeze 2x the amount of that protected source.

I thought the bank would prevent the freezing ...no?

I hate when people dont respond to your questions

Never was serviced got a judgement from portfolio

Just got a call about a debt that I'm pretty sure I last paid over 10 years ago, so I basically told the lady I was gonna dispute it, cause yeah, the date she gave me was wrong since I had not taken out any loans or used any credit cards since 2013 due to multiple personal life issues that made doing that type of stuff impossible.

Not entirely true .banks wont honor a levy where social security benefits are deposited. In fact twice the amount of social security benefits are protected

Reg F 12 CFR 1006.30, every time I dispute or place a CFPB complaint, collectors never provide me the documentation they've sent the consumer reporting agencies. Can you sue the reporting agencies for allowing those accounts to stay on the reports after being notified that you never received that info?

If you can’t pay you can’t pay. Food and shelter are priority

My car got impounded by my apartment due to bad tags. I never renewed them because the car doesnt run... i now owe the carnote and impound fees but cant afford it... thinking of just letting it get repoed but im not sure. Help???

How long does a judgement stay on title report? The reason I'm asking I negotiated a settlement and the creditor stop excepting my funds.

Short answer = THE BANK ALWAYS WINS 😊

Must be old cause banks are required by law to do 2 months look back on accounts to see if ss benefits were deposited. If so banks are obligated by federal law to protect twice the amount of those benefits this is automatic.

Hi there, I'm having a problem with a flight school in florida, they charged me $16,000 in 18 days, then later after 18 days got my signature on the pricing breakdown/estimate, and then few days later gave me a printout of the charges they had slapped me with without my authorization! So the charges predate my signature and the printout of the charges was after the day I signed (everything dated) ... loan is through Meritize... what can I do about this? I quit the school and left because they were a scam operation (also have proof)... I've called the bank several times and they said they are investigating (that was few months ago and I still haven't heard back) I just sent a dispute with the credit bureaus and waiting Please help

Is there a time limit statue in NC for a loan company to come after you for the balance? To put a lien on your house and wages?

HELPS can aid seniors and disabled people.

my lawyer said do not pay credit cards, but I am making payments for their fees and am not yet filed...will late payments be on my credit now?

There's no exemption a creditor can get for SSI. Even child support enforcement cant touch that money.

Im on SS1. Have no assets. Have no savings. No drivers license. Sure a judge could rule that i owe a debt and it can be collected. But the debt collectors have no method to collect any money from me. Boom judgment proof.

you spelled judgment wrong. there is no e after g. in judgment

I got into a bad loan when I was younger. Salesman definitely took advantage of me. But that was my fault. I ended up doing a voluntary repo after I found out paying $1100 a month for the car only $150 was actually going to the car and the rest going to interest. Never missed a payment either. I owed 11,000 after having the get the car back and fought it with credit repair programs. Still on my record but I don't owe.

Promo-SM 😁

Thank you, you cleared up some info, In 2016 I Got a letter that I owed this debit and ask for Proof, but Never heard from them and there has never been anything reported on my credit Reporting ever. 6 years later, in May 2023 I got a Certified letter stating my loan reached Maturity in Dec 2021, and they were going to foreclose in 35 days. I ask them to email proof of this Said Debit- Still haven't gotten that documentation or heard from them, I had a Title Searcher for liens on my property (non-listed from this Company only my current Mortgage company since 2006) I never had a loan with them. I had a BK (not with them) in 2010 that was discharged and charged off by the original creditor due to the property being upside down at the time. I Don't know who these people are.

How can u hide ya house from debters?😂 in md

Music too loud

I received a collection/ court papers that was signed by a judge 2006 for a debt that was for the year of 2005

I just received a collection letter just last week. I said dated 2005

It is spelled "judgment," NOT "judgement." Just saying.

i have a 21 k loan left i can barely get half for the car so i will definitely owe right there is no way out of this ?

2 different debt buyers (collection agencies) worked together to sue me. Re: credit card debt. The harrassment was too much since I have TBI. Therefore, after debt buyer law firm had me served. They started high pressuring to simply sign 'Consent Judgment.' long story short apparently (2 months) or less after 'Consent Judgment' initialed by court clerk they apparently presented to court 'Request Writ of Garnishment.' Which I never knew they did this behind my back. Thus, fact is there was (no) Proof of Service. I just found out why I didn't get my state refund. As the 'Debt Buyer/Law Firm' took my state refund. All of this was a shock as original 'Consent Judgment' was only initialed by a court clerk. 'Debt buyer/Law Firm' one of 2 of them told me this will be easier one you to sign 'Consent Judgment.' I'm judgment proof so they just took my tax refund. I got sick with Covid 19 Covid 19 pneumonia @ time Debt Collector had contacted me. Confused and highly upset over what appears to be violation(s) of 'FDCPA.' As I never received 'Proof of Service' re: 'Request Writ of Judgment.' My original debt was not 180 days late, also never received written notification within the 'required 5 days' as to who the Debt Buyer would be. I'm not from your state just ran across your 'You Tube.' Great Video! Thank-You for sharing! *sorry for long comment

I have been contacted by a collector for a debt from 30 years ago. When I paid by check I wrote paid in full. Which I was told by my X husband it was the last and Final payment. Him my X is deceased. Now this collection person from California is after me 30 years for a something I thought I payed off. Question: can this collection agency take me to court or make me pay something I thought was paid off after 30 years?