Skip to main content
index page

Midland Funding LLC - “ How do you deal with this collection agency"?

Submitted by PinkLady on Tue, 10/24/2006 - 07:21
Posts: 1720
Credits:
[Donate]

I'm asking this question for my Cousin who lives in Iowa.

Is there anyway to stop a wage garnishment without filing for bankruptcy. My cousing received a phone call from midland funding llc debt collector on Friday saying they were going to proceed with the garnishment, but if she was able to make arrangements please give them a call. Well she was going to call them the folloing Monday and when she got her check that Monday 200 was gone for the garnishment. She knew they were trying to sue her but things kept getting held up because the Midland Company didn't have their stuff together. They also kept telling my cousin to call, but they would never return her calls. Why would they call her on Friday telling her to call for arrangements knowing they were already getting some of her money. She wants to pay them, but she can't afford to have her wages garnished. Is there anyway to prove that this is causing financial hardship. She has two young kids to take care of and she she is already two months behind on her car payment. When she gets paid again, the next 200 will make her short on rent. I heard somewhere that a "CLAIM OF EXEMPTION" can be filed. Does anybody know anything about that and how it works. Any thoughts or suggestions would be helpful.


First of all, a garnishment is something the courts can only order. Did she miss a court date?

If you are talking about wage assignments, then those are totally voluntary, and she can revoke that at any time. For those even to be considered legal in court, they have to be signed by both parties in person. Not faxed back and fourth to each other.

Who is garnishing her wages? How much is owed?

She should type up a letter immediately if this is an assignment and send it out to them revoking their rights. She should also consult with her payroll, explaining that she is revoking their rights on the assignment. Does she work for a union? Usually payroll will contact you immediately once when something like that comes through unless you work for a union.

Let us know if there is any addtional information we can help out with.

Regards
Mike


Submitted by Teleport on Tue, 10/24/2006 - 07:53

Teleport

( Posts: 1388 | Credits: )


It's actually a wage garnishment, she was served the papers in June. When the court date came in July, midland funding llc collections didn't have the proper evidence so the judge gave them 30 days to come up with it. She said the only thing she heard after that was this call from midland funding llc phone number. the Friday before she noticed her check was garnished on Monday. She said she didn't even get a notice form her employer. She works for a nursing home, no union involved. I'm not familar with garnishments, so is this something her payroll should have informed her about. Is it not required for any type of notice to go out to the individual letting them know their wages are officaly getting garnished, no dates or amounts...I guess people just get surprised when they get their checks. Not to mention her account was already overdrawn so she was already screwed. I just don't want her to start up on the payday loan thing, because she has mentioned that already and that's just going to make things worse.


Submitted by PinkLady on Tue, 10/24/2006 - 08:12

PinkLady

( Posts: 1720 | Credits: )


Was her first court date only 5 minutes? Was she allowed to present her side? There should have been another summons for her to appear if the judge granted the lendor an additional 30 days to come up paper work.

Maybe she should contact a lawyer regarding this matter. If her employer received documentation to start withholding, then a talk won't help much. I work with payroll, and when employees find out about it for the first time, I tell them they need to contact the courts, because they should have been notified.

Regards
Mike


Submitted by Teleport on Tue, 10/24/2006 - 09:57

Teleport

( Posts: 1388 | Credits: )


what do i owe Midland Funding for? i received a bill for 464.41...what is this for? Does anyone have midland funding llc contact information?[FONT="][/FONT]


Submitted by on Mon, 11/06/2006 - 14:36

( Posts: 202330 | Credits: )


First off does your cousin have any idea what she owes? Secondly her employer has to inform of her wage garnishments before setting up payments. Also most states have a percentage law on how much can actually come out of the check for garnishments.

This happened to me with a dental bill that was a mess. My employer took the lowest % possible for the garnishment.


Submitted by sday1111 on Tue, 11/07/2006 - 17:35

sday1111

( Posts: 16 | Credits: )


Then this was the creditor's decision. I work in Hr/payroll, and trust me, you WILL be garnished 25%, period, unless the creditor decides otherwise. You got lucky...I think in my 6 years I have only seen a writ for a consumer debt at less than 25% maybe once. A state law will not supercede this..There are NO state laws on court ordered writs..They are mandated by the federal government. Trust me.


Submitted by finsfan13 on Tue, 11/07/2006 - 18:12

finsfan13

( Posts: 6919 | Credits: )


Also, another reason you may've been garnished less than 25%..If your income is less than 30x the minimum wage they'll adjust the amount..Usually down to 15%, I believe...Also, if you are a single parent or provide more than 50% of your household income and have a dependant..child or parent..A few states will adjust the percentage, I think between 10% and 20%, if I remember correctly from training..Florida is one state that does this. This was decided by a supreme court ruling in the 80s.


Submitted by finsfan13 on Tue, 11/07/2006 - 18:25

finsfan13

( Posts: 6919 | Credits: )


Can you tell me what the maximum wage garnishment is in the state of Missouri? I had a gambling problem that is now under control, I am in counciling and believe I have it whipped. But, before I got to this point I ignored some credit card companies and now am facing the punishment. The total is under $3000, but, by the time they get their fees tacked on it is more like 7k. They are already hitting me for 15%. I am single with no children and make $48,000 per year. Thank you.


Submitted by jtwka on Tue, 08/14/2007 - 17:51

jtwka

( Posts: | Credits: )


Max garnishment is 25% for consumer debts in all allowable states. If it's a hardship, you can file a tort claiming this, but you will have to provide a lot of info, such as a proposed budget, check stubbs, and copies of w2s. I have never seen a garnishment dropped, but I have seen them greatly reduced. If you have 15% right now, though, I seriously doubt you'll be able to get a debt that size any lower.


Submitted by finsfan13 on Tue, 08/14/2007 - 18:12

finsfan13

( Posts: 6919 | Credits: )


Hi,
I have just recieved a citation saying I am being sued for just over 5,000.00 that I owe on a loan. What are the steps that I have to take now? Can I deal directly with the creditor, or do I have to go through the court system?

Thanks


Submitted by on Tue, 09/04/2007 - 15:04

( Posts: 202330 | Credits: )


i am wondering if i should get involved in going after these 'lawyers' and this corporation, Midland funding llc. i looked them up on google and it turns out that alot of folks have had some hanky panky to report about the company. i guess they are a bit shady and posing as a legit law firm. i have a court date to dispute them freezing my bank account and trying to garnish my wages, i am saying that i wasn't properly served etc...but now i am wondering if it is a bigger case because they tend to do things illegally????


Submitted by on Sun, 11/18/2007 - 21:36

( Posts: 202330 | Credits: )


Hey I've had a bill from Midland for about 2 years supposedly from SBC the phone company in Springfield, MO I have ignored it because I have only found negative info on the company. They are trying to settle for 80.00 which is no big deal seeing how it's effecting my credit but does anyone have any adivice? email me at [color=DarkRed]email address removed as per forum rules - Mike[/color]


Submitted by on Tue, 11/20/2007 - 21:41

( Posts: 202330 | Credits: )


How old is the actual phone bill? Have you sent a debt validation letter to midland funding llc address asking them to prove that the debt is not beyond the statute of limitations? You really should make this a new thread as you will get many more responses. People are less likely to respond to an old thread. Also your email will be removed by another moderator for your protection. The collection agencies read these threads and you do mot wamt them to know who you are.


Submitted by Frogpatch on Wed, 11/21/2007 - 04:30

Frogpatch

( Posts: 5381 | Credits: )


do they have a legit address and phone number to contact them directly? i'd like to speak with someone there on a matter, and can't seem to get their contact information.

thanks


Submitted by on Wed, 11/21/2007 - 16:46

( Posts: 202330 | Credits: )


My husband has a bill with aspire visa through midland funding and they've taken money from his bank account!!! How can we stop this!!!


Submitted by on Wed, 12/12/2007 - 14:18

( Posts: 202330 | Credits: )


Most (if not all) of the people here were able to pay all their bills on time with little/no problem. Sometimes people fall on hard times, their hours get cut, they get laid off, people get sick/injured or even die (death in the family; funeral costs are vicious these days) in short, things happen. Most of the time you never see them coming.

I used to work in EMS and I only made about $7/hr but I put in insane work hours. My base schedule was 8am-6pm We rarely ever got off on time, sometimes hours after we were scheduled off (if your getting ready to end your shift, other trucks are out and a 911 call comes in you have to respond) on top of that I would pick up additional shifts (work the back half of a 24 hour shift where I would clock out at 6ish then clock back in to work until 7am the next day just to clock out and back in an hour later. The most I've ever worked in one week was 168 hours (that is a week straight always on the clock) which comes up to about $1624 before taxes (which rapes your paycheck from all the overtime. trust me) Needless to say I was pretty well off financially. On September 1st of 2006 I was coming home from work when I got rear ended by a pickup at 48 mph while I was at a complete stop. That caused some spinal injury to say the least. With my current condition it is very difficult to find a job that will accommodate my injury. It has taken me almost a year to mostly recover but I am still limited to lifting/stooping how long I can stand or even sometimes sit. During this time to say that I feel behind on my bills is a understatement. Don't be so quick to judge people.


Submitted by JCEMT on Sun, 12/16/2007 - 19:17

JCEMT

( Posts: 2934 | Credits: )


SO...I received a letter looking similar to a court order but NO judge signature..just the lovely lawyers of midland llc. I called them trying to set up a payment agreement being as it's some card that came back to haunt me that i forgot about from 6 yrs ago. I told them at the time I could pay $35 a paycheck ( I get pd 2 times a month). They informed me that that was unacceptable....i HAD to pay $100 every 2 weeks. So Of course life kicked in and 3 weeks later which would be today....I noticed that BOTH my bank accounts had very large levy's on them. Keep in mind I only owed $646.41 after the huge interest. Both of my accounts are being held $11,712.52. I am so sick over this. How the hell did they get THIS figure...which with 2 accounts comes to $23,425.04 !!!! I ONLY FOUND THIS OUT BY DEPOSITING ALL MY MONEY INTO MY ACCOUNT TONIGHT TO PAY MY BILLS!!!! And of course it's Saturday night..so I'll go broke until God knows when.....Someone Anyone Help


Submitted by on Sat, 02/09/2008 - 19:33

( Posts: 202330 | Credits: )


And.....not to mention my tax returns will be deposited into my account on Thursday...give or take a day......feel like I can't breath..............................................


Submitted by on Sat, 02/09/2008 - 19:37

( Posts: 202330 | Credits: )


Hi Gloria--

The first thing I would do is check to see if the "court order" is real. Check with the court that they claim it came from--the only way to legally take the money from your account is if they get a judgment against you, or if you give them your permission to take money from your bank.

Call the court clerk's office in the county you live in--they will be able to tell you if you have a judgment against you there. If the court order they sent you is from a different county, then check with that county. It should say on the page where it comes from. If it is not in the county where you reside, then petition the court that it came from to vacate the judgment due to improper venue. They are not allowed to file suit against you in some other county in the hopes that you wont know about it--and they would thus get a default judgment when you didnt show up. That is illegal. So, if they did it you can get it reversed.

OK, if you find that there was a judgment entered against you in your county, and you were never served summons to appear, then you need to file a motion to vacate the judgment on the grounds of improper service. They must, by law, notify you and report back to the court that they notified you. The plaintiff must show proof to the court that you were duly informed. If you were not, then they just lied to the court. For more info on how they are required to serve you the summons, check your state's "rules of civil procedure".

If you find that they never took this to court, you must immediately contact your bank and file a fraud complaint. Tell them that the money was illegally withdrawn without your permission and without a court order to do so. Then, notify your state's attorney general's office and file formal complaint there too--good idea to file one in the AG's office in the state that this particular collection agency operates out of as well. But your bank should be able to put a stop to that and get the money back if they had no legal right to touch it.

One more thing--what state do you live in, and do you know anything about this debt? For example, when was the last payment made by you on the account? It is possible that the debt is outside the SOL, and if it is, then you can use that to your advantage.


Submitted by skydivr7673 on Sat, 02/09/2008 - 20:08

skydivr7673

( Posts: 2036 | Credits: )


I too have worked in the HR/payroll field and finsfan is correct in the fact that consumer debts are 25%. Another thing to remember with Writs of Garnishments there is usually a minimum of 20 days before the garnishment is put in effect. The employer is required to file an answer to the writ and in most cases this gives the employee time to rectify the situation.

In most cases, your payroll department should notify you when it is being implemented. That has been my experience. Sonic Payday attempted to put through a wage assignment through my payroll department, and I was notified and able to cease this before it went through.


Submitted by rmartin33771 on Sun, 02/10/2008 - 06:17

rmartin33771

( Posts: 15 | Credits: )


yeah JCEMT, I know, I addressed that up there when I mentioned my thoughts if she finds that they never took this to court. After all, it is Midland, and they are slightly lower than the fuzzy green stuff that forms on pond scum....Somehow I think that, based on what she said, that this is fake. Hopefully she'll get back to us and let us know.


Submitted by on Sun, 02/10/2008 - 07:35

( Posts: 202330 | Credits: )


hey guys....ok....so now.....i realized that this was my sisters levy.....and she is on one of my two accounts.....so my personal acct wasn't touched....it was the joint account and her personal acct. BUT she was never notified at all......nothing....this is why we figured it was my levy. when speaking to the levy dept. at my bank sure enough found out it was the infamous rubin and rothman at it's best. but I had realized my tax refund was going into the joint account this week....my sis never uses the joint account.....it was from before she had her own. so i contact all the people i needed to and informed them of the situation and was told to contact the bank in Santa Barbara, Ca...where the checks come from. So I speak to a Stacey #198 at the bank and tell her this is not my levy and i have documentation proving that. All I had to do was fax them my ID, SS Card and Voided check from the account I WANTED the refund in. SO I do all of this on Monday morning, spending the rest of the week watching my accounts like a nut....still hoping Rubin and Rothman don't know attack MY account.....to see yes this morning that even after all of that my refund went into the joint account. So now the bank really could care less.....Miss Stacey #198 first says are you sure you talked to me? Of course I said yes I have your name written down...then only after getting mad and speaking over her to remind her of what I had told her on Monday she then remembered and said Oh Yes I remember. THEN SAYS.... Well it went into the right account right......um no...hence the reason I' calling very upset all over again. Long story short she says....oh my mistake...but i guess it didn't work. And yes folks there's my answer....if I don't climb a tower soon it WILL be a miracle.....and through all of this....RUbin and Rothman called me this morning....I just didn't answer. I don't even know how to handle them....I can't afford a lawyer especially now....and am just so terrified that they will just do what they want anyway why bother even talking to them. So listen anyone wanting to contact me regarding this instead of using this site.....my personal e-mail is Personal e-mail id removed for safety - Jason ....please help me. And to answer the other person I am in NY......Hope to hear from someone


Submitted by on Thu, 02/14/2008 - 10:45

( Posts: 202330 | Credits: )


Please, for your own safety, don't post personal information in these forums.

As for Miss Stacey #198... Go down to your local bank branch. In person, tomorrow morning. Grab the branch manager by the ear, and tell him what you want done. Then stand there glaring at him until he makes it happen.

As for the collection scum... In most states they cannot sieze your funds to satisfy a levy on a joint account holder. Make damn certain that the bank manager understands that these are not your sister's funds. FWIW, you should consider closing that account.


Submitted by unclewulf on Thu, 02/14/2008 - 16:47

unclewulf

( Posts: 3172 | Credits: )


I had an account with Verizon Wireless more than 6 years ago. I since moved and have another company. I thought that everything was settled with Verizon. Six years passed and on January 2008 I get a letter from the American Arbitration Association telling me that a complainant called Midland funding llc is suing me for $635.00 for an unpaid bill from Verizon. I also received nasy hostile bill collectors calling my house demanding payment.

I tried explaining to these collectors from Midland Funding that I did not recall owing any money to Verizon but they keep insisting that I pay them on the phone. I requested information via CERTIFIED mail with return receipt from Midland and they refused to accept the letter. This is not fair play.

They refuse to send me anything in writing as to this alleged overdue bill. They refuse to negotiate with me and they are hostile one of the collectors even yelled at me on the top of her lungs on the phone so I slammed terminated the converstation.

Anyone else that has had similar problems with this company please note it here.

The company name is
Midland Funding LLC
PO Box 939019
San Diego, CA 92193-9019
Phone 1-800-210-9855

These people should get their licensed pulled by the Federal Trade Commission.


Submitted by on Wed, 02/27/2008 - 00:56

( Posts: 202330 | Credits: )


What you should do (if your state allows recording without the other persons knowledge) is record all calls with them (if your state does not allow recording without the other persons knowledge then state that the call is being recorded. Get all their violations on tape and use that for your own civil suit. Also I would suggest you consult an attorney regarding the arbitration. It's not a fair venue from what I have heard. If there is no way of getting around arbitration then (assuming they allow formal pleadings) try requesting validation of the debt (you can find a good template via my signature for items to demand) in discovery. If they can't validate it then motion for it to be dismissed with prejudice as they cannot show without a shadow of doubt that they possess the debt and you owe it.


Submitted by JCEMT on Wed, 02/27/2008 - 04:49

JCEMT

( Posts: 2934 | Credits: )


I RECEIVED A BILL FROM MIDLAND CREDIT. I CONSULTED WITH AN ATTORNEY WHO CONTESTED THE VALIDITY OF THE BILL. IT WAS IN EXCESS OF 3 YEARS (STATUTE OF LIMITATIONS). MIDLAND CREDIT HAS JUST RECENTLY REPORTED THAT I AM OWING A PAST-DUE AMOUNT. I CALLED THEIR OFFICES IN CALIFORNIA ONLY TO BE INSULTED BY THE NASTY INDIVIDUAL ON THE OTHER END OF THE TELEPHONE. SHE STATES I STILL OWE MIDLAND. SHOULD I VISIT WITH MY ATTORNEY, AGAIN, AND HAVE HIM SEND THEM FURTHER CORRESPONDENCE?


Submitted by on Fri, 03/07/2008 - 08:16

( Posts: 202330 | Credits: )


MY ATTORNEY ADVISED ME THAT I AM NO LONGER RESPONSIBLE FOR THE DEBT AND HAD ASKED FOR VALIDATION OF THE DEBT. I AM CONFUSED. WHAT RECOURSE DOES MIDLAND MANAGEMENT HAVE AT THIS POINT? WHAT RECOURSE DO I HAVE?


Submitted by on Fri, 03/07/2008 - 08:33

( Posts: 202330 | Credits: )


Hi I'm responding to Jason; the guy that lives in NY and had his bank a/c frozen by Rubin & Rothman... I too live in NY and have the same problem with this "law firm". I just received what looks like a sommons to appear in Civil Court to responde to the Midland Fund claims of debt. but the date that I was to appear was a week old. i.e. I got the letter on the 26th and the date to appear was the 19th!?!
I'd like very much to s/w with you... maybe we and other in NY can come together and do somethiung about these guys "The scum of the earth" turn the table on them!


Submitted by on Thu, 03/27/2008 - 07:01

( Posts: 202330 | Credits: )


i am a victim of pressler and pressler, and i want to know what my options are. i had a doctors bill from july 1997 (which i originally disputed). i tried to ge tin contact with the original creditor but i was unable to as the doctor worked for a doctors service rather than a traditional office (only saw him one time in the hospital and he preceded to discuss payment terms with me while i was not 1005 with it (i was having surgery and i had already been given sedative before receiving full anesthesia) and this is when he discussed his bill with me) i had never recieved a bill from him after that until it wound up in the hands of pressler and pressler llc. i wrote a letter to them disputing the validity of the debt and never heard a response back. then they proceeded to effect wage garnishment. after a short period on time i was badly injured on the job and was unable to work (this was back in 2003) to make a long story short after becoming fully disabled i moved and lived and Arizona for almost 2 years. all the while while living there pressler and pressler proceeded to service notice on my former address and obviously didn't receive a response back. i now collect social security disability and moved back to new jersey and opened a banking account so i could receive my benefits via direct deposit. i went to the bank and found out that my account was frozen by pressler and pressler for the balance amount of the original judgment (plus interest). the bank manager was very cordial with me, provided me with the info i needed to get in contact with them. i did, and they released the funds after i faxed them my social security award letter (they wanted a complete 90 day account history for my account to prove that my only income was social security payments, i didn't want to give them any withdrawal activity info on my account because its not their business to know what i pay for medical expenses, i told them i would give them the past 5 months deposit history on my account which would show all deposit activity, they refused this stating that i was withholding information they were ALLOWED to collect) i eventually had to have the social security administration get involved to have the funds released. then after releasing my funds they refused to lift the garnishment onmy account, stating that they reserved the right to take any moneys deposited to my account that were not social security payments (is that legal?). i filed a motion to vacate due to improper venue ( i was not living in nj when they refiled the original debt lien) and a motion to vacate due to improper service, a motion disputing the validity of the debt, and a motion to have them provide me any and all correspondence they claimed they sent me to service the debt. soon after filing these motions i recieve a phone call from an attorney working for pressler and pressler, he proceeded to tell me that i would lose all my motions because since they executed a wage garnishment on me and i didn't contest it in court ( i never received a letter (regular or certified that the wage order had been granted, nor did my at that time employer inform me that one was served) i had acknowledged the existence of the debt, that improper venue didnt count because it was my responsibility to notify them and the court of my change of address, and that if i lost i would not only be subject to pay my court cost but theirs as well, thus increasing the amount of debt. he said that if i paid them $30 a month they would freeze the interest at its current level as long as i paid them, and that the clerk of the court wwas a friend of his and if i agreed he would call him and tell him that we had reached an agreement. feeling bullied and against the ropes i foolishly agreed to pay the amount, and i never received notification from the court that the matter was settled nor did i receive any notification from the court about any of the motions i filed. i have since paid them 30 a month, and now feel hoodwinked by them, that they would prey on disabled people, and was wondering if i have any options available to me, or did i screw myself because i started paying on the debt.


Submitted by on Sat, 05/17/2008 - 13:45

( Posts: 202330 | Credits: )


I am a grandmother raising grandkids for 15 1/2 years. I don't work but receive $335 check for the kids (not for myself). I sent my grandson to get the mail and he signed for a piece of mail from the clerks office at the courthouse. After I yelled at him for signing for a piece of mail with my name on it, I opened it. They had put wrong papers inside with multiple defendants names listed but not mine. I sent this back minus my address stating that a child signed by mistake and papers were for people we never heard of. I have no clue what is going on if my papers went to someone else or what. The papers in the envelope were for getting judgements against whomever. My question aside from the fact I know nothing about whom I owe or how much I owe, is....Can they take money from a checking account with my name and my adopted daughters name on also? The money in the account is hers as she is the working person in this family. Help!!! Do we need to close this checking account or what??? we live in Ohio...and one bank said they can take money from a two party account but I don't know if this is true. Any help will be truly appreciated!!!! Thanks!!!


Submitted by on Fri, 07/11/2008 - 10:42

( Posts: 202330 | Credits: )


I'm sorry ...did I mention the people that are after me are Midland Funding


Submitted by on Fri, 07/11/2008 - 10:47

( Posts: 202330 | Credits: )


Midland Funding are scumbags. I would suggest that you open another account in another name, possibly another bank, although they aren't supposed to take money from your account unless the courts have awarded them a judgement, however some of these collection agencies have been known to do so anyhow.


Submitted by on Sat, 07/12/2008 - 04:31

( Posts: 202330 | Credits: )


Midland Credit Managment says I owe close to $5,000 for a line of credit that was supposedly paid off in 2005 as the result of a nasty divorce. The divorce left me penniless and I receive welfare...can they garnish welfare??? I live in Michigan.


Submitted by on Mon, 07/14/2008 - 14:35

( Posts: 202330 | Credits: )


Janeilee,

Sorry to hear about your situation, but I'm pretty sure that they cannot garnish welfare or any public assistance since that is from the government. I'm sure someone with more knowledge will come along and help


Submitted by on Mon, 07/14/2008 - 22:42

( Posts: 202330 | Credits: )


Ok, here's my story....I was married way back in 1994. My ex-husband and I had a Fingerhut account together and purchased a video camera and a video game system. When we divorced in 1996, he got the video camera and the game system, so in our court papers it states HE is responsible for the full balance.

Well, a year goes by ok, then I receive a bill in the mail from a credit company stating that the bill had not been paid and I was responsible for the bill. I quickly went to my lawyer and he wrote up a letter to the company stating that my ex-husband, not I, was legally responsible for the bill. This went on for a couple more years with at least 2 more letters written from my lawyer to them. Now it's 12 years later and I'm still receiving this bill from MCM saying that I'm still owing them this money.

I finally called the company not too long ago to inform them of the legal standing on this bill. The guy was VERY rude and told me that MY name was the only name on the bill and that I was responsible for it! When I tried to give him my ex-husband's address at the time, he refused to take it. Then when I threatened to contact my lawyer, he yelled at me saying "Don't call your laywer. It won't do any good. YOU'RE paying this bill!" By this time I was thoroughly pissed off and said "I'm NOT paying this bill and you're not going to make me!" So his response was "So I'm putting you down as a 'refusal as payment'". I told him put whatever he wanted, he could kiss my ass, I wasn't going to pay for a bill that I wasn't responsible for!

Yes, I've tried getting my ex-husband to pay. I've forwarded the bills to him and everything! He won't do it! Hell, I don't even get child support from him because he signed away all parental rights to our son!

What I want to know is what do I do and how did my ex-husband take HIS name off of the account?????


Submitted by on Wed, 07/30/2008 - 13:25

( Posts: 202330 | Credits: )


Welcome to the community Sheri1975.

If you are not legally responsible for this debt any longer I would suggest sending them a written request to cease all communication with you by phone or mail. Send it certified mail, return receipt requested so you have proof that you sent and and proof of when they receive it.

You may want to check your credit report to see if they have reported this item, if they have you can get it removed as it is well past the 7.5 year reporting period. Also they can't take you to court over it as it's most likely well past the statutes of limitations.


Submitted by JCEMT on Wed, 07/30/2008 - 13:49

JCEMT

( Posts: 2934 | Credits: )