need some help

dear christy, just be patient someone will get to you just soon as possible and by the way welcome!!!

Christy- I am assuming that you were served papers by a collection agency that intends to sue?

If you have a court date, be sure and show up so they won't get a default judgement against you. Also keep all copies of any paperwork you have and take it to court.

I am not exactly sure, but my guess is that the courts will look over your reply, but there may still be a court hearing.

If I have misunderstood your question, or circumstance, I'm sorry, and will you explain it to me again.

Also, what company are you dealing with?

Good luck- keep us posted..karen :D

Wait for a reply from the attorney and the court. But by all means show up on the court date if it isn't dismissed before then. I don't know anything about Tennessee law, other than it's more creditor-friendly than a lot of other states.

from my experience here in tn, the courts do go with the creditor unless you have outstanding evidence against them but if they do win, and the creditors will not work with you and they try to garnish, you can always file a slow-pay motion at the clerks office.

Quote:

I have a sinking feeling that my state is also one of those creditor-friendly states.

ladybug

Reesie and ladybug, it depends on which states you live in. But generally, I have found that if a state allows for wage garnishment, it is a bit more creditor-friendly. But check you state law. For example, in Tennessee, a judge can deside your garnishment, whereas in Texas, collectors can be held to criminal charges for violations of state law, there is no wage garnishment, and a long list of items exempt from judgment.

Oh my lord. Did you send them a Notice of Motion with the return date after you filed the motion? Your motion might get kicked back because you took an ex-parte route on a matter not suitable.

i'm packing up and taking all my bills to tx

Texas is a debtor friendly state. No garnishments (except Government, Student Loans and Child Support), and I believe they can't put a lien on your homestead either.

Yes, the two most notorious debtor-friendly states seem to be Texas and Florida. And yes you're right, FYI, in Texas the homestead is exempt from judgment, as well as 100 acres per person in the family. There's very little it seems that a creditor can do there except going after a bank account.

Question... In TN how much can be garnished from a pay check? Know someone who is paying for an ex'es medical bills (he filed for bankruptcy) and her own (so 2 different garnishments) and in total they are taking 70%+ of her net take home... that just does not seem right.