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/biz/ - Business & Finance

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11437552 No.11437552 [Reply] [Original]

I got (my mother accepted because she didn't know what was happening) served papers from a debt collector that bought my debt from my former credit union. It's around 4k, as much as I'd like to get into why the debt was accumulated I'm going to forgo that headache unless someone wants to know. I'm in the state of Utah and have just a few days to answer, but I'd like to fight it as I have no business with the collector, and I'm willing to lawyer up. I'd like to see if anyone has any general advise as far as this kind of thing goes. I'm in a shit situation financially and a former business owner, unemployed now, and with literally no assests. Is bankruptcy an option?

>> No.11437568
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11437568

i want to get his pussy so bad

>> No.11437581

>>11437568
To clarify by no assets I mean I have a broken down truck from 1991 and a few pieces landscaping of landscaping equipment that they don't know about.

>> No.11437617
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11437617

>>11437568
Yeh she's breddy hawt.

>> No.11437648

Bumpo

>> No.11437674

Bumparoo, need advice. Board is a little more active than I recall

>> No.11437704

Bro, it doesn't matter. You're probably judgement proof for now and it's just $4k. Any gain from fighting it would be negligible at best. Just ignore them.

>> No.11437797

>>11437704
My strategy for the moment is to "answer" because I have to or else it will default and my future wages will be garnished, but I plan to respond "idk" in legalese. The one thing that concerns me is that they layed out in the service letter all the terms and whatnot from the credit union, literal screanshots. My one thing is that this collection agency has no in paper confirmation with me yet. One option is to explain without admitting any fault that I am unable finantially to put up with it as I've been helping my mother with her cancer treatment and I myself have not been able to work (I have written evidence here) due to medical shit (respiritory issue caused by my previous job that I didn't sue for, so now I'm boned with medical bills with now way to pay)

>> No.11437835

Bamparinoshino

>> No.11437855

>>11437704
Thinking about it though I guess that is an option; let it go to default and take the chance on it not being judged, but I don't know about that. Honestly I'm coming from a history of getting boned legally by could have would have should haves.

>> No.11437874

google: debt consultations
make 3-5 calls, ask for advice, give them 50$ and cheers up

>> No.11437875

Pamp

>> No.11437893

>>11437874
Will do, as well and getting at the utah bar deal to see if I qualify for lawyer coupons. Thanks my dude

>> No.11437902

>>11437568
I know it's just a character and no spoilers but fuck her.

>> No.11437904

I don't have any input but wanted to say I'm in salt lake.
Good night I'm tired.

>> No.11437917

>>11437902
Yeah I was watching for a good minute like till season 5 but once my dumb ass put two and two together and got the meme of the chink dieing from like two years back from the point when I was watching I just kinda gave up on the series. Should probably get back into it. It was never really bad but it was going south

>> No.11437923

>>11437552
The reason you are in debt makes a huge difference as to whether you can tell them to fuck off or not. Also standard collection practice gives you thirty days to dispute your balance from the date you're served your letter. Who are you in debt to and what's the original date of the bill(not the date the agency received it, but the date you incurred original charges.)

>> No.11437933

>>11437923
forgot
t. debt collector

>> No.11437934

>>11437904
Despite always planning on moving away I feel like I can't until I live down there for some time. Like the whole "don't explore space until we've explored the oceans" kind of argument.

>> No.11437946

Identity theft.
Don't care how or why.
Find an identity theft person in your area.
They won't tell you the details.
Plausible deniability.
I'm not trolling.
You're welcome.

>> No.11437970

>>11437923
>>11437933
Certainly not in statute of limitations teritory but it's been a minute. The letter says ten days which could be wrong/scare tactics, thanks for bringing that to my attention. Basically my landscaping company lost traction and my mother got cancer is the deal, some of this can be proven but overall idk how to translate that formally.

>> No.11437973

>>11437917
but the chink died in season 7 tho he got his skull crushed in

>> No.11437985

>>11437946
Elaborate I'm a brainlet
>>11437973
I know, it was a gient meme but I didn't realise it until season five, then I just gave up on it. I'm not even a soured by spoilers kind of guy but I just said fuck it after that

>> No.11438007

Friendly bampu

>> No.11438013

>>11437552

Don't even worry about lawyering up. Just show up in court and contest the lawsuit. The company is expecting you not to show up, so they can get an easy default judgement against you and the thousands of other bad debts they bought for next to nothing.

Don't let them do this! They probably have very few records from the original creditor, most likely nothing that'll hold up in court. Say you don't know whose debt this is and tell them they've shown you nothing with your signature or the full history of the balance from the very beginning.

Their lawyer may "continue" the case and make you keep showing up in court, but if you keep showing up, eventually they'll give you a trial. Show up for trial and just say you don't know what the fuck this bill even is and point out that you've asked them for proof legal proof constantly but it was never provided.

I personally beat a $9k lawsuit over some bad debt from 6 years ago doing this. It was a hassle, but well worth it to see the judge just throw the case out and their lawyer tear up. Now it's wiped clean forever!

>> No.11438030

>>11437552

I also need to advise you to not cooperate with the bill collector at all. If they want your signature to request more documents, fuck 'em. The burden of proof is on them since they're suing you.

Most likely it's some huge firm that has contracted out a big batch of debt collection work to some local law firm, who has assigned one of their least essential employees to handle a few hundred of these cases at a time. They'll show up at court with "files" on like 200 of them to work through in a few hours, and if you demand they show you what they have it's likely very little. Usually just a bill of sale and maybe a couple of statements. That doesn't hold up in court so they count on you giving the case away. Fuck 'em!

>> No.11438042

>>11438013
I as a sentiment agree with all of this, but the potential difference is that they have my signature on screenshotted and pasted onto the service doc, from the original creditor. It just seems shady thay they are implying that they are an "attorny for" the creditor

>> No.11438067

>>11438030
I see, so make them prove that the creditor actually did any business with me? In terms of bill of sales, actual proof from the original creditor that it is in fact my (my) debt? In hoping that they either don't have contract to attain that very specific personal info, or that they'll just give up at that point knowing a fight when they see it?

>> No.11438103

>>11438030
>>11437946
>>11437923
>>11437874
>>11437704
I want to thank yoj folks for your input so far, I'm really at wit's end with this and would certainly like to outwit this bullshit

>> No.11438133

Bumparoonitoonie

>> No.11438193
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11438193

Megabump

>> No.11438430

Eh one last bump my guys, thanks for your help so far

>> No.11438481

TL;DR

Yes, file for bankruptcy. It's not as bad as you may think and it'll wipe the slate clean no problem. Your credit will recover quickly afterwards.

>> No.11438515

Try this technique:

https://youtu.be/oD2gXY4piF4

>> No.11438545

I got the answer for you OP

https://www.youtube.com/watch?v=oD2gXY4piF4

>> No.11438568

>>11438481
> filing for bankruptcy because of $4k
state of biz

>> No.11438615

>>11438568
Well walk me through what i should do big boi
>>11438545
Doing exactly this, in every aspect of my life; just jew the fuck out.

>> No.11438762

>>11437552
I need this woman to bear my children