Debt Collector/Judgement Proof

Date: Tue, 06/30/2009 - 21:23

Submitted by anonymous
on Tue, 06/30/2009 - 21:23

Posts: 202330 Credits: [Donate]

Total Replies: 2

I haven't worked in years, my spouse filed a solo bk, ch 7 (on all our debts; I did not file; mainly to protect his income as he is the only worker in household.) I have one creditor still attempting to collect on a debt, should I inform coll ag I have no income, assets would be exempt according to law, etc... or not respond. These people are considered some real scumbags; I had to file complaints with the atty gen offices of Ohio to get them to stop calling after sending a c & d.

they can still obtain a judgement. however, given your circumst

they can still obtain a judgement. however, given your circumstances, it wouldnt be wise for them to spend the money to file suit. how old are you? do you own your home? is the CA aware of your financial situation?

lrhall41

Submitted by on Wed, 07/01/2009 - 05:36

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I'm 54, no we don't own our home, and I don't believe they know

I'm 54, no we don't own our home, and I don't believe they know my situation. They did respond to the Ohio atty gen office and state they would continue to try to collect on this auto loan debt still even though they acknowledge my husband is no longer liable because of the bk. That's why I was wondering if I should advise them of the situation in a letter to them or just leave it alone - as I don't want to make things worse. They also did state they would abide by the cease and desist letter I had sent although they wouldn't until my complaints to the atty gen office. I don't think I should file bk because of one CA, but my research on this particular firm says to be"extremely wary of them and their tactics." Thx for your help, I appreciate it.

lrhall41

Submitted by on Wed, 07/01/2009 - 10:50

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