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pdl's taking you to court!!!

Date: Fri, 04/17/2009 - 18:11

Submitted by susie_q
on Fri, 04/17/2009 - 18:11

Posts: 34 Credits: [Donate]

Total Replies: 12


Hi everyone!!! haven't logged on in a while, but I had an interesting experience today that I wanted to share. For the last 6 years or so I was on a roller coaster, having 5 pdl's in kentucky. Finally, I defaulted on all of them. Of course I was deluged with phone calls, and one storefront even threatened me with legal action. No matter what i told them, they continued to call. Well, today i got a letter from one of them giving me until April 27th to pay up or they're going to small claims court. I don't want to sound rude, or so nonchalant, because I do indeed owe this money, but my only income is social security disability, and am considered to be "judgment proof", as I have no assets to speak of. Can someone please tell me why a company, who has already lost money by someone not paying what they owe, why they would incur further expenses by taking legal action??!!


which pdl was this?all internet pdl's are considered illegal in KY.idoubt this is a legit lender.


lrhall41

Submitted by paulmergel on Fri, 04/17/2009 - 18:29

( Posts: 15514 | Credits: )


Good Morning Paul! All of my 5 pdl's are storefront, and, being in Kentucky, are legal. But from info I've gathered from this site, have all engaged in the same illegal and underhanded behaviors that some of the others have! What I can't understand is why they would incur even more costs for themselves when they know I'm deemed to be "judgement proof". They could indeed get a judgement as I owe the money, but with no assets, and living on social security disability, they couldn't collect. If I could have afforded the bankruptcy fee, I could've done away with all of them! So what are people who can't pay these pdl's supposed to do? We all realize we shouldn't have done it in the first place, and that we owe the money, but...if we could afford to file bankruptcy, we could pay the pdl's!!!


lrhall41

Submitted by susie_q on Sat, 04/18/2009 - 04:41

( Posts: 34 | Credits: )


Yes, indeed they can! However, with a judgement entered against me, it's then up to me to provide proof to the courts that my income is exempt. Which I can absolutely do, as I truly live JUST on my ss!!! I don't own my home, and I have no savings accounts. It may be automatic by the courts, but they can't get what I don't have!!! The best advice to ANYONE this happens to is SHOW UP AT ALL COURT HEARINGS!!!!! With, of course, your documentation in hand! As you said, some things are automatic by the courts, and this is how, sometimes, pdl's can attach a so-called "exempt" account! SHOW UP AT A-L-L COURT HEARINGS!!!!!!


lrhall41

Submitted by susie_q on Sat, 04/18/2009 - 08:27

( Posts: 34 | Credits: )


Hello everyone!!! I decided to write to the pdl today, and let them know, that if they do take this to court, I can indeed prove that social security is my only income! And, that I have NO "attachable" assets! I could not resist telling the manager she should save her company further expenses, as what good would a judgement against me do if they can't collect it? And, I only have 1 car, with a book value of $550...so...they would have to satisfy the lien that's already on it...so...basically, I told them go ahead...it's your legal right to do so!!!!


lrhall41

Submitted by susie_q on Sat, 04/18/2009 - 20:23

( Posts: 34 | Credits: )


I am getting a message here that sounds a little mixed. Maybe it is just me, but it seems the OP is promoting the fact that they are exempt from paying back a PDL company. We all know the laws on garnishment, but that does not mean flaunt it :? If the OP is exempt from the judgment then fine, but was there any attempt made to satisfy the debt and why did the storefront lend to them if SS was their only source of income. Seems likt the company shot themselves in the foot with this one :?

I understand we fall on hard times, but if this were a Legal lender, then I believe the moral thing should be paying back what you borrowed atleast. Sorry to approach this from a different point of view. I just do not want folks to think we advocate ways to escaping a debt rather than morally solve the situation with the lender. :?

If I read this wrong then please excuse my post..LOL :wink:


lrhall41

Submitted by Cool_Abyss on Sun, 04/19/2009 - 10:49

( Posts: 2936 | Credits: )


Hello anyaroberts!!! In some cases, it could be exactly like you think it is. However, in my case, NONE of the storefront pdl's I had wanted to be the one to wait, and I couldn't afford to pay all of them at one time. My intent was NOT to flaunt the fact that all I get is ss, but to serve as a reminder to the pdl's that have harrassed me unto no end. For awhile, I heard nothing, then all of a sudden, they take another breath. As far as morals go, that works BOTH ways. The pdl's have, in the 6 years I've been dealing with them, FLAUNTED the Kentucky state laws by deliberately manipulating them. Does this mean I don't have to pay?! No. What all of this means is that I don't have the money to pay!!! And when they purposely try to scare you, then I think it's time that a customer lets them know they know their rights!!! That's all. And when I think of the thousands they've made off me and others in the last 6 years...and you want to talk about morals?! I realize personal responsibility has to be reckoned with, but when you have a pdl hounding you, and not listening when you try to explain, then, well, what can I say? I did pay them-for 6 years! Then I just couldn't pay anymore!


lrhall41

Submitted by susie_q on Sun, 04/19/2009 - 11:55

( Posts: 34 | Credits: )


Well then in your situation you have no other option. You can only do what is best for you. There is a fine line with morales and written laws unfortunatelly. Legal lenders may be relentless once a consumer defaults, and have little regard for your situation. Hence their morales are out the window, and they want to collect on the debt by any means necessary. If your back was against the wall then do what you feel is necessary.

That was understood, my post was for the newcomers to the forum who may get confused with the above message. Best of Luck! :wink:


lrhall41

Submitted by Cool_Abyss on Sun, 04/19/2009 - 12:02

( Posts: 2936 | Credits: )


hello again anya!!! Good talking to you!! Indeed, some newcomers could get the wrong idea. I would never advocate getting a pdl with the intent of NOT paying it. But, sadly, I'm sure that there are people who do! This is fraud, plain and simple!!!


lrhall41

Submitted by susie_q on Sun, 04/19/2009 - 13:10

( Posts: 34 | Credits: )