A leasing company which I had an apartment from wants to sue me. I moved out in 1990 leaving some unpain rent. Now they want to ruin my life. I was just trying to get my credit straighten out, just had a death in the family, I'm HIV+, lots of meds, working. But this is taking a toll on me. By the way the dept is over $20,000.00. I no way of paying except through execution of wages, if this happens i'll be behind in my other obligations.
2006-10-21 17:19:03 · 11 answers · asked by jason w 1 in Business & Finance ➔ Personal Finance
try to work out a payment plan. As long as you pay them some money, they can't attach your wages.
2006-10-21 17:20:34 · answer #1 · answered by reff 3 · 1⤊ 1⤋
Talk to a credit counselor from a non-profit org. You have options. First the debt was a long time ago, but since it is such a large amount I can see why they would try to get it. If you do not want to file BK, you could make some arrangement to pay a very low amount every month. Like $10.00 or something. A credit counselor can make those arrangements for you. You will not want to do it yourself since collection people will try to make you angry so you will say stupid things to them.
Other options are to not let anyone know where you work, live or where your bank accounts are. This means never applying for credit of any kind, since all of the information that you give for a loan is on record at the credit bureau and your creditors can get it. Sometimes there are volunteer attorney's, etc. at an AIDS network in your state that could help you. Good Luck.
2006-10-21 17:36:25 · answer #2 · answered by tonks_op 7 · 1⤊ 1⤋
Every state has a Statute of Limitations. That not only applies to credit cards and loans, but to unpaid rent.
If you haven't done anything with this debt for 16 years, there is nothing the can do.
All it will take is motion to dismiss based on the expiration of the statute fo limitations. I don't know what state you live in, so I can't point you to the exact process.
Consult with a local attorney and they should easily be able to guide you through it.
2006-10-22 07:02:16 · answer #3 · answered by Anonymous · 0⤊ 1⤋
Well I've been through a similar situation.What I did is I contacted the company and requested a payment plan because lord knows I can't go through another garnishment it was extremely hard they were taking anywhere from $500.00 to nearly 1000.00. And I have (4) children.So the best thing is to make payments it may take awhile but aleast you will have the voice to say what you can afford to pay than them deciding what they think you should pay. Good Luck.
2006-10-21 17:36:27 · answer #4 · answered by BabyGirl 2 · 1⤊ 1⤋
Like some of the folks already said, work out a plan w/the garnisher. If it's to the point where they won't take your word for it and they still want to garnish your check, make sure that it's for an amount that won't leave you scrambling for groceries or extra's for rent/mortgage. Just take care of it before they put it on your credit if they haven't already done so.
2006-10-21 21:08:35 · answer #5 · answered by estrellamorena12 1 · 0⤊ 1⤋
In my state if you join a credit counseling service you can't be garnished. The debt needs to be included in the arrangement with the counseling service and you must make your payments. Before wages can be garnished there must be a judgment against you. Even then they can't automatically garnish. After a judgment has been issued they have to give you a certain amount of time (19 days in my county) then send you a letter of intent to garnish, then give you additional 15 days (again in my county) before they can contact your employer. Check with the county clerks office, and then maybe a lawyer.
2006-10-21 17:35:48 · answer #6 · answered by NETTA M 3 · 1⤊ 1⤋
Consult with an attorney! A 16 year old debt may be uncollectible depending upon your state.
With that large of a claim, you can't afford to NOT have an attorney.
2006-10-21 17:39:25 · answer #7 · answered by Bostonian In MO 7 · 2⤊ 0⤋
Find out your states statue of limatations,,, That debt may be uncollectable after 16 years..
2006-10-22 01:22:12 · answer #8 · answered by kitkatish1962 5 · 0⤊ 0⤋
If none of the other suggestions work, try to find a job where you
are considered a " self employed contractor " .
2006-10-21 20:11:07 · answer #9 · answered by wallyinsa 3 · 0⤊ 2⤋
Yahoo! Answers is not the place to find your solution to this problem. You need an attorney to help you navigate this problem.
2006-10-21 17:26:47 · answer #10 · answered by princessmeltdown 7 · 1⤊ 1⤋