A collection co. has a judgement against me. I am 63, disabled,?

Question

widowed, on SSD. They say they are sending the sheriff out to tag my furniture and have a sheriff sale. Has a senior citizen any protection? I`m scared to death. Can`t afford new--get $890 a mo. to live on. Is there anything i can do?

Answer 1

the sheriffs department do not have sales
they are not in the business of being creditors/ liquidators/ repossesors, salesman. Thry are bluffing you ( harrasement), they are laws on this. When a deby get dues to expire collection agencies get real aggressive on collection. The only thing a sherrifs department can do is allow a party to collect cars.. ect.. ( not sure about furniture ), or ensure a safe and legal eviction.

Answer 2

It is important to know what kind of credit is involved; if it is tangible goods, like furniture, it becomes a simple repossession of the goods by the merchant only After it has been ruled a judgment against you in a court of law. Unless it is for thousands of dollars, it will not be worth the legal costs it will take for a lawsuit to get the judgment.

If it was a credit card, credit cards are considered UNSECURED credit and there is nothing they can do. There is no debter's prison for credit card debt.

Whoever is threatening you is in violation of the collection practices that protect your civil right.. You can lodge a complaint against their collection agency with the respective State Attorney General's office.

Ultimately, you do not have to answer the phone to these people calling; notify them in WRITING that they are NOT to call you and you will only accept written notifications. You will see that in writing they will have to follow the law.

Do not be scared. Contact legal services in your community for help or law enforcement if you are being threatened.

Collection practices are intended to bully you. Accounts that have been written off as bad debt are purchased in blocks for ten cents on the dollar. The scare tactic is an attempt to generate income for the collection agency.

A court judgment if it gets that far is not worth the paper it is written on. The sheriff usually does not get involved in these cases. That is a scare tactic.

Please call legal services immediately. Be brave, my friend; you can contact me direct at [e-mail] if you need further information.

Answer 3

You need to find out what the exemption statutes are for your state. Since you haven't listed the state you live in, people can't help you as far as telling you what the exemptions in that state are.

I strongly suggest contacting an attorney. Either contact Legal Aid or find an attorney that will give you a free first consult. Find out what they can and cannot take. If you are judgment proof, Legal Aid or another attorney can tell you and also tell you what your options are in dealing with that judgment.

Do that first thing in the morning.

Stay strong.

Answer 4

Sheriff Sale? That doesn't sound right, but I sure wouldn't let anyone in my house unless I was sure who they are. Especially someone who wants to sell your things. I would call the police, tell them your situation and see if that is a real sheriff calling. I don't think it's legal to tell you they are coming to your house and sell personal items ever. It sounds like someone is trying to take advantage of you and your situation. They are trying to scare you, ma'am. Don't give anyone any money or your personal information and call your local legal aid organization today. AARP has links and info for your area...there are lawyers that work for free to help eldery and disabled people avoid scams.

Answer 5

I don't know what state you're in, so I can't really help you. Is SSD really SSDI? or SSI? or do you get both?

There are exemptions from attachment and levy in all states.

If there is an Elder Affairs office or some other state agency for the protection of seniors, call them or get online with them ASAP.

Don't be scared, be mad, and get moving!

Answer 6

a series company won't be able to positioned a judgement adverse to you see you later as you're making price to them. a series company won't be able to garnish your wages whatever takes position. in the u . s . their is in uncomplicated phrases a pair options your pay will be garnished and thats in case you owe Federal Taxes and baby help. they gained't take a bill of $500 to court docket because it would cost too a lot in lawyer cost's and they understand the courts would toss it out due for your already making funds. the subsequent time they call tell them if the proceed calling you'll end making funds and they can sue you in court docket for the stability. they are going to end because its more advantageous to get alittle money slowley then no money in any respect

Answer 7

contact an attorney immediately, and appeal to whatever civic groups you can for assistance in paying the bankruptcy fees

depending on where you live, there may be an organization providing free legal assistance to persons in your situation, but you will almost certainly have to come up with the filing fees

depending on your situation, you may qualify to countersue, and an attorney may (depending on the laws & rules in your state, and depending on the merits of your claim) provide the legal assistance "pro bono" (free).

however, in every jurisdiction with which i am familiar, the plaintiff or petitioiner (in this case, that's you) has to come up with the filing fees -- and that may mean soliciting financial or material assistance from others. attorneys are generally prohibited from providing that sort of help to their clients.

thanks to the GOP and GW Bush, the legal protections you would have had under any previous regime have been all but eliminated: they passed the "Debt Reduction & Consumer Protection Act" (also known as "bankruptcy reform") -- but they only made meaningful changes to Chapters 7 & 13 (the chapters applying to individuals), effectively leaving Chapter 11 (which applies to corporations & "false persons") unaltered.

This change effectively eliminated any consequence to lenders for having issued improvident loans, and placed the entire burden for credit on individuals. Simultaneously, while all but guaranteeing that insolvent individuals are prohibited from the forgiveness of minor debts, it effectively strengthened the position of multi-billion-dollar corporations defaulting on multi-million-dollar loans on account of excessive compensation of corporate administrators.

We seriously need to permanently repeal BOTH "bankruptcy reform," which encourages fiscal malpractice, and "tort reform," which indemnifies and rewards those guilty of having caused egregious harm.

Answer 8

Though your income is protected, they CAN take your furniture. I suggest you look at places that have cheap used furniture, such as Goodwill.