[JCEMT]

I'm sorry to hear about your situation. The first thing you should do is get your money back. The only way they could just clean out your account like that is if they had a judgment from a court (which means that they would need to sue you and win) even so if you were able to prove your sole income is from SS disability they would not be able to touch it as SS is non attachable income. Let you bank know that you did not authorize the charge, dispute it. Also you should file complaints with the Federal Trade Commission and your state Attorney General's office.

Keep us posted, we will try to help you as best we can.

Follow JC's advice AND call Social Security and have your check sent to your home instead of Direct Deposit. I am going thru the same thing myself because of a disability. My attorney advised me to get a P.O. Box and have all my mail sent there including my SS check. Good Luck.

Thanks for the assistance with this terrible mess. I am so upset and didn't know where to turn or what to do. This has made me so sick I saw myself going to the hospital, but now I have some wonderful advice to follow and it made me feel so much better than so very lost. To think I'm not the only person that it has happen too. I am not the type of person that expects anything for free and when I worked I always paid my bills because I could and if I needed extra money I could work some extra overtime, being disabled you only get what you get. There isn't even anymore income tax refund to look forward too since I don't get enough to even file. I really appreciate your help and I will do exactly what you both told me to do and I will let you know what the result is. Thank you so very much!

[unclewulf]

Sunshinebird, you should file a return anyway, as you may very well be eligible for a payment under the Economic Stimulus Plan. Read this thread and similar ones in the Tax Debt forum. Then spend some quality time reading on irs.gov. Then file a return. It's free.

http://www.debtconsolidationcare.com...-question.html

http://www.debtconsolidationcare.com...bout43008.html

http://www.irs.gov

[JCEMT]

There is also the earned income tax credit.

[unclewulf]

Absolutely!

I can't understand why no one tells us this kinda information. Every penny we get means so much. Is there any type of booklet of information I failed to receive on all this SO valuable info your giving me to help me? My brain is still trying to comprehend not being able to work anymore and all the medicine doesn't help trying to be normal and functioning. It's very scary and it's very hard to fight by yourself and sometimes you need a helping hand to just figure out things when you didn't even know about what is out there to begin with. If I didn't know about any of this, I'm sure there's plenty of others who don't know either and I find that very sad. I am so lucky to have people like you that take the time to help us out. You are a God send and you don't know how much this all could make life just alittle easier and brighter. Thank you!

[unclewulf]

The Economic Stimulus plan has been in the news off and on for months. I just happened to stumble over mention of it on a motorcycle forum I frequent, and start digging. I don't watch TV, so I might have missed it until I got official mention from the IRS newsletter, but for that slim chance. I'm just very glad I had the info to hand when you needed it. Now, I want you to pay it forward. Make sure that everybody you know who's in your position knows about this. That's how you pay for the help you get around here.

There's no official booklet that I know of. But there is an awful lot of good info on the IRS website waiting to be read. Or print it off and pass it around.

And listen, I ain't nobody's godsend. Just an old, tired biker with a little free time and a yen to help out. I do what I can, but I'm just one Wulf, so that ain't so much. It's the community we've built here that makes us strong.

While we're on the subject of pennies and community here... You really ought to consider signing up as a member. It's free, and you get access to a pretty respectable range of resources. And those 'DebtCC Points' you see under peoples' post headers over to the left? Those are worth a penny each, cash in your pocket. It ain't much, but it adds up. And you might just find the odd bit of useful info, if you hang around in here occasionally.

Best of luck to you. And holler if you need more help.

Hello, it's me again and I followed your advice starting first with my bank to inform them that I did not authorize the two charges #1 $100 for taking out the #2 $1077.00 of my SS disability which left me with $0. The bank manager gave me a print out of a officer from the court with docket no. She also told me that she didn't think they could do that and to keep the account open so they would put it back. I called the officer many, many times and left voicemails over and over and I was right there ready to answer waiting for him to call, when he didn't I left messages on all the other officers voicemail and still never received a return call which I told them over and over that I did not have any money. Unfortunately, I had to get a neighbor to take me back to the bank because I had no gas to get there. She called for me and told them that I have been trying to get the officer to call me back she was very compassionate. When I got home it was the officer and said he had called me that he was playing phone tag with me so the people in the background could hear it which is a totally lie. I waited and went no where and it wasn't until the bank manager called he finally called me. My money is frozen and now I was informed to call the creditor but before I call them call someone give me an idea of what I should say? If they didn't want a meager $5.00 to maybe $10.00 that hasn't changed and I do know that I do owe that money but I an unable to earn money and they also told me before to go borrow some which is mindboggling. The only thing I could do would look around and see if I could sell something or another thought would be to maybe tell them I could wear something with their company logo for some advertising? I hate being yelled out and I'm still not over what they did when they said my mom was in a terrible accident and they were a doctor. Any info would be greatly appreciated. thanks.

[JCEMT]

The simple fact of the matter is your sole source of income is SS disability which is not an attachable income, the levy on your account needs to be released. Were you served with a civil summons/complaint when they sued you? If not then the judgment needs to be vacated due to improper service.

Oh, I also forgot to mention I also went to that tax site but do you know another one that is free since my state NJ is not listed on there and they want $9.95 which I wish I had. Thanks for your help and I'm sorry for being a pain in the butt.

[JCEMT]

www.irs.gov
Check there, there are some partnerships with tax providers that allow for free filing.

They said they did but could not give me the date of and it was probably my bad since I was in and out of the hospital so much. It probably was when I was in for the straight 30 days and if I would have known I guess I could or should have asked someone from the hospital to handle my affairs. It just all happened so fast and it just absolutely *****. I just was trying to get better so now this is what I get for not thinking like I should have.

[JCEMT]

Either way, if you did not receive the summons/complaint then you were not served properly. Grounds for dismissal for improper service. Also as I had stated before, your income is not attachable, therefore the levy needs to be released.

Hello everyone,

I used to work for debt-collection agency, and would like to give you some advice. If these collections agencies are breaking the law you should file a complaint with the FTC and the attorney general for your state. The fdcpa is very strict in the action a collector can and cannot take. Getting these agencies involved in your process will help your cse against these bully collectors. I myself am having problems with MRS (for an account of my wife's). They have clerly violated the law, by calling her at her place of employment after she informed them it is not allowed.

Send them a "cease and desist" letter, to stop them from calling her work.