Can Someone Help Me Pleaes? I'm Desparate

Quote:

Thank you so much for answering my question!

From what I have learned, SOL is only an affirmative defense if I was to show up to court, if I don't, then yea a default judgment would be set against me.

I was on the phone with LA court just now and this lady looked up my name as a favor and said there are three files under my name, but she can't confirm whether it was me. I tried to ask more but she just said no she would have to charge me and hung up.

That's actually the second time someone hung up on me today. The first was this lawyer from allexperts dot com who told me to call him for advice after posting the same question. He told me that I should file bankruptcy. I asked why I should file for bankruptcy when my debts are SOL, then he mumbled something like oh you don't want help in this you just want to hide, I'm not going to help you do that! And he hung up.

I'm not trying to hide from anyone. I'm just trying to tie up these loose ends so I can move on with my life.

I appreicate any help that can be given to me. Thank you

Quote:

I lived in Los Angeles. The suit would have been filed in Los Angeles superior court.

May I ask why you wrote :"if these places serve you properly it would get dismissed."? I was always told that if they sue you and you don't show up to defend yourself, then you win, period, regardless of whether it's SOL or not. I was told that SOL is an affirmative defense but the judge won't care about that if the defendant doesn't show up or doesn't use it.

I hope I'm wrong. Sorry to be a nag or to freak out over it. This has been so stressful. I'm finally towrads the end of the seven year bad mark era, I don't want a judgment to fall on me now and end up with another 7 to 10 years of bad report.

Thank you so much!

what i mean is if you are served properly.in your case you will show up,and therefore lawsuit dismissed.the only way i don't see you showing up is a catastrophe.your right if you are properly served and do not show then your defense doesn't matter,but some places do not serve properly or at all.that is when you get the default if it comes to that vacated.you might be dealing with bottomfeeders at some point so just know some don't play fair.that is where the line about proper service came from.

Quote:

yes let sleeping dogs lie.a bottomfeeders will call you.deal with it then.

Quote:

Quote:

Yes Paul, this was the same lawyer who told me to file for bankruptcy. Thank you for all your help. You've been such a blessing.

it's totally my pleasure.

I have a suggestion: Why don't you sign up for a mail-forwarding service? Set it up with an actually physical address and contact all the credit bureaus and send them your new information. You can also get a magic jack and get a new phone number to give the credit bureaus as well. When you are done doing all of that, just go to the LA courthouse online and check. The information you are requesting is a public record, and it shouldn't cost a dime to look up every pending court date in LA county. We have one in the state where I live, and I have been checking because I was served with a summons. After we sent in our answer, we've heard absolutely nothing! Not a thing, so I kept checking but nothing, which is a good thing! You're acting as though the world is coming to an end, but it's not. In fact, your starting a new chapter in your life, and you should feel good about it. Don't let your past haunt your future. Just start over! Change all your personal information on file asap, so nobody can contact you where you live now. That way you don't have to worry. Earth Class Mail or another mail forwarding service (Just Google it) will be good. You can get a Magic Jack at www.magicjack.com. Take a deep breath and relax. All the phone calls will end, and you can get on with your life. They first have to find you to serve you, and if they can't find you, even if they did get a judgment against you, it would be dismissed because it was improperly served, so don't worry. Bottom-feeder creditors should not be a threat in your life. Just work on getting a job, getting established and since the SOL has lapsed, there is nothing they can do legally! Why worry?

Quote:

I just read your post in detail a little closer. Actually, updating your address to where you live now, is not such a great thing because any sheriff can come knocking on your door to serve you. Once they see you have a job and are applying for credit - that's when any bottom feeder may start in. See they check credit reports to see who has a job, who is spending what. If you don't give your new address, they can't find you. Last thing you want to give them is an opportunity to harass them. I'd get a mail forwarding service immediately at a physical address. I would never give out my actual address on a credit report. It would show up all over the Internet on places like Intellus and Zaba Search. You'd be better off giving a PO BOX at best. That's where all the skip tracers look for information. I'd be careful about ever giving out a physical address to a credit agency or online because once they have it, it becomes public record all over the Internet.

I'm not afraid of the sheriff serving me. Actually I look forward to it, cause then I would go to court and tell the judge that my debts are SOL and end the whole deal.

The reason why I had all my credit reports updated is because I didn't want these creditors to have trouble finding me and then serving me by publication. I dont' have much knowledge in vacating a summary judgment but I do know that I want to avoid that as much as possible.

I can't figure out what happened to my last post. In essence, this is the best thing you can do: Sign up for a mail forwarding service, and get a magic jack (phone service). Then contact all the three credit bureaus and give them the information for your new mailing address and new phone number. Do not give out any information to the credit bureaus with you home address as well as your home phone and cell because a bottom-feeder could send the sheriff to your house with a summons. If you need to give an address on your credit report, make sure it's either a physical address from a mail forwarding service or a PO BOX! The bottom feeder is watching your credit reports for new information as well as any major purchases or new job. New jobs do not have to show up on a credit report. Don't apply for any credit using the new job! But don't worry, the SOL has lapsed. Just to rest easy, go to the clerk of the court in LA county and check the public record for any pending files. It's a public record and they have to give list all that information for free. You're starting a new chapter in your life. Relax! Whatever you do, never give out a physical address of where you live on a credit report. Once that is published, that information becomes a public record for anyone on the Internet. You would find your address on Zabasearch and Intellus and that's where skip tracers and bottom feeders look for information.

Well, if you got in a lawsuit for any other reason you would not want them finding you. Trust me. If some strange person decided to sue you for no reason out of the blue, the last thing you would want is your address on a credit report. It shows up on ZabaSearch and every public search on the Internet. For me, I am working to remain under-the-radar as far as public information on the Internet is concerned. I don't want some crazy stalker finding out my personal phone number and address. I'd be careful as to putting your physical address and phone number in a credit report, Hence, anyone who has something against you can find you that way, whether it's a bottom feeder, stalker or someone who wants to sue you out of the blue.

But if they do find me, and try to sue, can't I just claim SOL in court and be done with?

Quote:

I found an article last night, but I don't know where the story is? It was about a woman who was looking for a job, but a stalker kept on writing terrible things about her online. When a potential employer contacted her, he told her about the stalker who was leaving terrible messages at Zabasearch about her character. I really would be careful about posting your physical address on a credit report or anywhere publicly. People can leave messages at ZabaSearch.com - good or bad about your character and potential employers as well as bottom-feeders and skip tracers go there to find out your personal information. In her case, it was a bad situation. She became a victim of an online stalker. Other people she knew kept telling her about the vicious attacks that were made against her character on the Internet. I'm sure that's not the norm, but why open the door for every single crazy person to know where you live, including the bottom-feeders? I can't understand it? I'd keep under-the-radar. If you put a phone number and address on a credit report, it opens the door for the Internet world to find you - good or bad. Simple as that. I'd get a magic jack, put that phone number down and either supply a PO Box or a mail forwarding address on a credit report. Your private life should remain private.

[QUOTE=Anonymous;650750]I have a suggestion: Why don't you sign up for a mail-forwarding service? Set it up with an actually physical address and contact all the credit bureaus and send them your new information. You can also get a magic jack and get a new phone number to give the credit bureaus as well. When you are done doing all of that, just go to the LA courthouse online and check. The information you are requesting is a public record, and it shouldn't cost a dime to look up every pending court date in LA county. We have one in the state where I live, and I have been checking because I was served with a summons. After we sent in our answer, we've heard absolutely nothing! Not a thing, so I kept checking but nothing, which is a good thing! You're acting as though the world is coming to an end, but it's not. In fact, your starting a new chapter in your life, and you should feel good about it. Don't let your past haunt your future. Just start over! Change all your personal information on file asap, so nobody can contact you where you live now. That way you don't have to worry. Earth Class Mail or another mail forwarding service (Just Google it) will be good. You can get a Magic Jack at ****************. Take a deep breath and relax. All the phone calls will end, and you can get on with your life. They first have to find you to serve you, and if they can't find you, even if they did get a judgment against you, it would be dismissed because it was improperly served, so don't worry. Bottom-feeder creditors should not be a threat in your life. Just work on getting a job, getting established and since the SOL has lapsed, there is nothing they can do legally! Why worry?[/QUOTE]

Quote:

[QUOTE=unclewulf;650821]I never read such a concentrated load of shit in my entire life! Okay, except for some of Al Gore's crap...

So... You come in here, all sneaky and annonymous behind your monitor and guest login, and make like you're James freakin' Bond? Playing possum ain't where it's at, bud. Down that path lie all manner of pitfalls. Collectors calling your family, friends, employers, and such in a legal attempt to locate you. Default judgements, after they've exhausted normal service procedures and resorted to service by publication, which you likely missed. Being completely out of the loop as concerns the world at large and how it relates to you. Missing your only chance to get a judgement vacated, because you never knew you'd been sued?

Yup. Sounds like a plan to me.

Playin' possum with creditors ain't where it's at. Trust me, by the time the tenth or twelfth collector has called everybody who might possibly know how to find you, somebody's gonna tell'em where you are. Just so they'll stop calling them, if nothing else.

News flash: Credit reports are not available to just anybody on the Internet. No matter what load of manure our annonymous pal is peddling. Intellus? Zabasearch?? Get real. I'm a very well-known consultant, living in a small town in Vermont. I'm listed in the phone book, both personally and as a business. I just Zaba-searched myself. Sha-zam! 34 hits on people with my name, living in Vermont. Not one of which was me. Not one of which was even in my county.

The way to deal with creditors and collectors is honestly, straight-up, and in their faces if need be. They want to serve you? Wonderful. Sign for the papers, smile, and say 'thank you.' Then go down to the courthouse and have the case dismissed with prejudice as a time-barred debt. End the madness, once and for all. The right way, by working to defend yourself within the legal system. Not hiding from it as this coward would have you do.[/QUOTE]

Being served by publication is one of the things I'm concerned about. If my creditors put out an ad for me in my old state, I definitely wouldn't have known about it.

I stand by the advice I've given you in this thread. And my reputation in this community speaks for itself.

There are much worse things in life than being sued and having to defend yourself. Being blindsided by an unsuspected garnishment or bank levy after a default judgement is one of them.

hi!

I came across your post, Being in the similar situation a year back, I opted for a Debt Settlement with trusted company suggested by my friend. LINK REMOVED

The company have settled my debt by almost 70% of the total amount i owed.

Visit the company website and submit your details. Their representative will get back to you

Shanoon