ouch...i just got served!

[Jame Gumb]

it's interesting because i just fixed a laptop for an attorney friend of my wife's.

If you can fix notebooks why didn't you accept mouse's challenge?


http://www.spurstalk.com/forums/show...ghlight=laptop

[Brianna]

Blizz I have two laptops that need work you charge by the hour?
You can PM me!

[BigBeezie]

Sounds like everyone else is helping out... I hate collection agencies. I had one sue me for an ambulance ride in NYC. I have never even been to NYC! Needless to say it is off of my credit report.

[Walter Craparita]

Don't forget that all-important 10% to the church!

Sincerely,
Dave Ramsey

lol, Ramsey is still da man though.

Live like no one else!

[blizz]

thanks everyone, great advice. they JUST got the thing filed in time. last action taken on that account was in nov, 2003. bas s.

[tsb2000]

Go to creditboards.com and click the "help- I've been served!" link. That site has a lot of great advice there.

[florige]

Dude...if it's just a collection agency, here's my advice: IGNORE THEM.

They can't throw you in jail for bad debts (at least in Texas they can't, or my happy ass would have been sold for cigs 20 years ago!), and if it's gotten this far your credit's already trashed.

If you respond to a collection agency you are just confirming the debt and they'll come after you even harder. If they're calling you at work, simply tell them to stop or you'll file a harrassment complaint.

I should start my own "Dave Ramsey" type advice show for those of us with ed up credit...

I don't know about that. A buddy of mine owed someone about 4k. True you can't go to prison for that, but the judge can lay down a judgement for the owed amount, and attorney fees. The next step after that is paycheck garnishment where they can take up to 25% of your paycheck. Your best bet before it gets to that point Blizz is to contact the collection agency who is sueing you and work out a payment plan. You don't owe that much. You probably will have to pay something like 50-75 dollars a month. Like I said with my buddy he owed 4k and ended up paying something like 150 a month or something like that. Normally they can work with you if you just call them. I know it sucks, but it sucks even more to have them taking it out your check EVERY week until the debt is paid off.

[florige]

Isn't it too late to try and settle if they have already served him with court papers? I know you can negotiate prior to that, but I didn't think you could once they've sued. Well, good luck anyway!

Nah you can still negotiate even after the judgement is issued by the judge.

[blizz]

I called and I have about 28 days to get together a decent amount to offer a settlement.

[Shelly]

I don't know about that. A buddy of mine owed someone about 4k. True you can't go to prison for that, but the judge can lay down a judgement for the owed amount, and attorney fees. The next step after that is paycheck garnishment where they can take up to 25% of your paycheck. Your best bet before it gets to that point Blizz is to contact the collection agency who is sueing you and work out a payment plan. You don't owe that much. You probably will have to pay something like 50-75 dollars a month. Like I said with my buddy he owed 4k and ended up paying something like 150 a month or something like that. Normally they can work with you if you just call them. I know it sucks, but it sucks even more to have them taking it out your check EVERY week until the debt is paid off.

Please pay up. Garnishment of wages is a pain in the ass because then it's up to the employer to remember to pay it for you. I hate when I have to garnish someone's wages.

[florige]

Please pay up. Garnishment of wages is a pain in the ass because then it's up to the employer to remember to pay it for you. I hate when I have to garnish someone's wages.

I know that sucks. I need my entire paychecks. I can't afford to have 25% of my wages garnished every week. Forget that!

[Shelly]

I know that sucks. I need my entire paychecks. I can't afford to have 25% of my wages garnished every week. Forget that!

Usually by the time I get them, we've already laid them off (Ironworkers hired on a as needed per job basis). But if we re-hire them within a year, I then have to remember to garnish.

I had one guy last year that owed so much that the IRS wanted to leave him with nothing per check. Not all garnishments are 25%...some of them they tell you how much to take out after disposable earnings. I told him that he needed to work something out with them or else he was going to get maybe $100 something a week. I think he ended up getting a second mortgage on his house and they withdrew the order. Turns out that he got pulled over after that (in one of our company trucks) and they found Meth on him. I guess that's where all his tax money went. Sad, cuz he was a good guy. Our field supt. made him go to rehab, but I don't know what happened after that.

[1369]

Our field supt. made him go to rehab, but I don't know what happened after that.

But he said no, no, no...

[florige]

Usually by the time I get them, we've already laid them off (Ironworkers hired on a as needed per job basis). But if we re-hire them within a year, I then have to remember to garnish.

Not all garnishments are 25%...

I had one guy last year that owed so much that the IRS wanted to leave him with nothing per check. Not all garnishments are 25%...some of them they tell you how much to take out after disposable earnings. I told him that he needed to work something out with them or else he was going to get maybe $100 something a week. I think he ended up getting a second mortgage on his house and they withdrew the order. Turns out that he got pulled over after that (in one of our company trucks) and they found Meth on him. I guess that's where all his tax money went. Sad, cuz he was a good guy. Our field supt. made him go to rehab, but I don't know what happened after that.

I didn;t know that. I thought 25% was the max they could take. I guess when your dealing with the federal gov and their money they can do whatever the heck they want.

[Shelly]

I didn;t know that. I thought 25% was the max they could take. I guess when your dealing with the federal gov and their money they can do whatever the heck they want.

The 25% is usually what I get from the state.

The IRS has there own table http://www.irs.gov/pub/irs-pdf/p1494.pdf

So the way it works is if you're claiming Single and 1 and are paid weekly, you GET $162.87--everything else after disposable earnings goes to the IRS. I remember having to call them to verify. He worked it out that I took out $125 per check or something like that.