hide and seek?
Date: Sun, 11/08/2009 - 16:53
Short of it all; I defaulted by reason of total disability on a loan and some credit cards and other unsecured debts, plus have three debts that are fraud (not my SSN on documents) so I have a lot of negs on my CR now ( in one case three for the same account) { I also found an address on my CR’s I never lived at and a lot of inquiries when I have not applied for credit in years}. I pulled my CR’s and found 3 CA’s on there for some of the debts, including the fraud one, but these companies never wrote me. Any company that did, I would send a dispute with a cease and desist other than to properly validate the debt per California code as well as my inability to pay and fact of exempt from judgments only income. I only heard back from one company saying they validated the debt and it was mine, but did not provide proper proof, so I again disputed and never heard back from them but instead yet another CA to whom I had to go through the whole process yet again.
Now I find these three company’s Asset Acceptance, LVNV and Midland on my CR with no prior notice from them plus someone tried to serve me via certified mail from MP Intel but I got the notice too late and the letter was returned (oh boo hooo). Part of me wants to write them all and again provide them with the exemption sections and statutes, but another part of me wants to remain unfindable…. Not sure just what to do. I search the local court site and my name has not appeared under any new cases. I am stopping all my direct deposits and closing my bank account, I have no assets and like I said, all my income is exempt per California and Federal law. Should I even bother with writing these folks yet again or just ignore them? I opt for the latter though since I do have a mental disability (according to social security), I second guess myself…..
If there are wrong information posted in credit report then I do
If there are wrong information posted in credit report then I don't see a reason why you would hide. IMO you must try to remove these factors from your report since it's an important document of your financial health.
Now-a-days with modern, sophisticated software its really hard to remain untraceable. Even when the creditors can't garnish your social security income they may put lien against your other possessions. Moreover, if a lien is put against your bank accounts then the creditor can take even the income from social security once it gets deposited in that account.
Well, I have looked into that and if the only funds deposited in
Well, I have looked into that and if the only funds deposited into an account are exempt funds, they cant touch those funds, but say Uncle Bill sends me a birthday gift check for $15.00 and I deposit that, THAT money they can take. No biggy though as I am stopping all direct deposts and closing my account. Plus, I own nothing, other than some tattered and old, beddings and fat old lady clothing and a beat up old VW, everything exempt under BK laws and my county laws from judgments, but as my BK class instructor said "If you have nothing they can take, why file for BK? Itis to protect what you have and your home." I lost my worldly possessions in a flood in a northern midwest state and did not have flood insurance and had to move away and live with relatives and in my car and OH! my tent. I do have a little tent. I thought about BK, but that stays on my CR for 10 years while these bad marks all fall off by 2015. Still thinking on it all; got BK packet from courtsite and using best case software to prefill em out so I can transfer what all it says to the forms to fill since all the best case forms have demo written across em.
