Isn't it funny that I am going to appear in court and get sued, possibly have my wages garnished, all before

Question

getting even one kiss...?

I am 22 and in college.

Answer 1

SMOOCH ! That make you feel better?

Answer 2

Though you haven't asked a question, I want to present a question and a recommendation for others following this thread.

Possible situation: Bad debt resulting in a summary judgment (for which you're going to court). For obvious reasons, you're concerned about wage garnishment and levying your bank accounts.

Recommendations: Force your creditor to verify this alleged debt, i.e. debt validation. Your credit file must by law be 100% accurate.

If not, eve listings .1% inaccurate must be deleted.

Therefore, force the creditor to validate; simultaneously, dispute the listings with the credit reporting agencies. By the way, during the dispute period, pull copies of your reports and confirm the CRA has put the derog account "in dispute."

If not, violation.

Further, your alleged creditor must provide every scrap of information about the alleged debt....and 100% of the listing must be 100% accurate.

**TIP: Study each negative listing on your credit reports. Look carefully for even the tiniest discrepancy. In other words, is the date of last activity correct? Is the balance correct? Is the negative listing outside the statute of limitations? Is EVERYTHING correct about the listing?

Do NOT simply roll over and play dead. The U.S. Public Interest Research Group reports that 80% of all credit files contain errors...80%!

Twenty-five (25%) percent of those reports contain serious enough errors to result in denied credit.

Now, this is not funny. And it's definitely not deserving of any kisses even on the a$$.

You're 22 and in college. You don't want to trash your credit, especially with many prospective employers running employees' credit before offering positions.

On the other hand, the U.S. does not have debtor's prison. In the unlikely event you're not able to find some error with the listing or some violations perped by the the creditor or credit reporting agencies and the creditor gets a summary or default judgment, the creditor still must collect.

With a judgment, your creditor can:

1. place a lien on any property you owe with the creditor getting paid before you ever sell your property;

2. garnish your wages up to 25% of net;

3. levy your bank accounts to zero

However, you must:

1. own property to have a lien placed;

2. have a job that you can't or won't quit to avoid wage garnishment;

3. have money in a bank or even a bank account in order to suffer a levying order.

Thanks but no thanks...I don't want a kiss though I hope this helps even one person.

Of course, we daily encounter good people totally ignorant of their rights in credit-related matters. In turn, the other side holds all the proverbial cards.

Don't automatically believe you're screwed. Take time to study the Fair Credit Reporting Act and the FAir Debt Collection Practices Act (they're really not boring) and exercise your rights.

Best,
Mike

Answer 3

You may think it's funny now, but in about 5 years, when you are more interested in your credit score, it won't seem that funny, especially when you know you still have 2 additional years to wait until the bad deb falls off your report.

Answer 4

Either you are 15 or a giant WoW fan. Which is it?

Answer 5

why are you going to court?? sexual harrassment? I see having to go to court as A NO LAUGHING MATTER,,,

Answer 6

funny ironically, sucky yes.

Answer 7

and your question is ??