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Creditor demanding proof of disabilty

Date: Fri, 11/09/2012 - 10:01
Submitted by dragonflydore on Fri, 11/09/2012 - 10:01
Posts: 4
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My son is on disability and that is my only source of income as I have to stay at home to care for him.

I recently had a summary judgment hearing and afterwards called the company in attempt to work out a lump sum plan (they did not show at the meeting, they sent a proxy who said he could not negotiate) for the $6543 ($3246 is interest) debt.

I offered $2000 lump sum and explained we had no garnishable assets at this time due to my sons disability.

They are demanding a letter from the disability office as proof before they will even entertain or submit my offer , I have been told by my sons caseworker NOT to do this, that they have no right to that information.

Can anyone clarify this or give me any tips?

Im in Indiana.


Don't send them anything of the kind. They have no right to it. The simple fact is that your son isn't liable for your bills, you are. If you can't pay it they can only attempt garnishment of your accounts, not his. If you have nothing to garnish, then send them a letter offering the lump sum to settle the debt. If they say no, tell them ok you will try next year and that's that. Keep in mind that a judgement won't go away for a long time and if you ever do have money to garnish they will.


Submitted by goldenbast on Sat, 11/10/2012 - 10:13

goldenbast

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Thanks for the replies guys, I will be calling them Tuesday and informing them that I wont be submitting any info of the sort, take or leave my offer.

Any tips for handling that? Is 2k an acceptable offer on a 3k-ish debt before interest?

This is my last debt to pay off.

The law firm handling it is Wright and Lerch and the collection company is Asset Acceptance.

Thanks again.


Submitted by dragonflydore on Sun, 11/11/2012 - 15:18

dragonflydore

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Never heard of the law firm, but I know asset very well and they are scum.

Generally the older the debt, the less you can offer on it as it approaches SOL. Tricky thing with judgments is that they can be renewed, so they can last a very long time.

BUT 2000 is better then 0 and when they realize that, they may very well settle.


Submitted by goldenbast on Mon, 11/12/2012 - 09:31

goldenbast

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