Thread 512394804

Can't you just move to another state and start fresh? If you avoid them for 6 years here it's no longer legally enforceable.

>>512394884
My case is 2 months before the 6 year deadline.

>>512394804 (OP)
the lawsuit only carries 10y as opposed to 7y of collectible time frames.
during this period of time if u buy anything from a car, house, boat, anything with a title, get it registered in your MOMS name, not your own to prevent liens on it.
you'll also want to change your phone number any time they figure it out to prevent harassment as well as email address.
they will rarely do wage garnishment and if they do u can usually fight that and win but u have to take it to court, depends on state but its typically difficult for the debt collector to garnish your wages.
beyond that is all u need to know and how to BTFO the debtjews

>>512394942
Go on holiday for 2 months or something. Don't debt collectors have to put the papers in your hand or something in America? They do ramp things up towards the end here as they sell them to more specialist debt collectors but the ccjs and defaults go on early so you can literally just ignore them for 2 months if they find your address.

>>512394804 (OP)
>who?
>nah man he doesn't live here anymore
>me?
>i'm nobody man

>>512394804 (OP)
It may be too late, not sure where along the process you're at.
Look up your rights and all the codes around debt, loans, all that.
Send them a letter of debt validation, it's a ridiculously long list of things they legally have to provide you with. Cite said rights and codes in the letter, use as much legal jargon as you can. Do NOT admit guilt or that the debt is yours, refer to it as "alleged" debt. Preface the letter by saying you have been instructed by legal counsel to send it. Make sure the letter is registered mail and has to be signed for. Godspeed anon.
>t.got out of being sued by a law firm/debt collector over credit card debt I racked up during the coof

>>512395155
Ive already answered the summons. This is the second debt collector to own the debt. I guess they call them junk debt collectors. I’m gonna just show up as Ive read that most times when you actually answer and show up, the debt collector does not show.

>>512395620
The Attourney is actually the one who owns the debt but he claimed that Bank of America (the credit card i defaulted on) is the Plaintiff. As far as I can tell he was bluffing and trying to get me to make payments again. I’m just gonna show up, fuck it.

>>512395655
>answered the summons
Damn. Show up to court then. Even if they do show you will more than likely be awarded a payment plan. Tell them you can pay (as little as possible) a month and they will most likely take it. You will avoid having your wages garnished as long as you show up.

>>512394804 (OP)
Pay your debts dingus.

>>512395860
how much is the debt and what company owns it? i can give you the correct steps to have the best chance of beating it.

>>512396054
4,000 and im not revealing that info dipshit. It’s a law firm.

>>512395860
He 100% was bluffing. That's what they tried with me. The law firm bought my debt from a previous collector and sent me multiple threatening letters saying they were gonna take me to court until I btfo'd them with the debt validation letter. That shit passed through 3 collectors up until then, I just KNEW they didn't have the proper paper trail to take me to court. Best of luck anon.
>>512395970
Paying your debts is why the jew gained power. It is our duty to take our money back and btfo them when given the chance.

>>512396211
lmao the law firm doesnt own the debt, and none of that info would be remotely de-anonymizing. have fun asking chatgpt for advice faggot

>>512396266
My court case is in two weeks. Should I request the documents now?

>>512396211
rack up more and more if you can and do a chapter 7 my man :)

>>512396310
They do own the debt. I confirmed it with Bank of America.

>>512395655
They show up and probably have 100 other people on the list too that they are suing.
Also I did all the shit I researched like discovery and all that to try to make them prove their case, and they had it all in order. Though mine wasnt a debt collector, it was a law firm contracted for the hospital that was suing me directly, vs sold off debt.
I ended up settling for a lump sum of the original balance, with the court fees and everything removed, at the actual court house right before it would have went before the judge.

>>512396419
>I ended up settling for a lump sum of the original balance, with the court fees and everything removed, at the actual court house right before it would have went before the judge.
you got played

In my country they just steal from your bank account if you owe money, does not happen in the usa?

>>512394804 (OP)
Literally just throw the mail in the garbage and block their calls. So shrimple a caveman can do it.

>>512396355
I think it may be too late unfortunately since you've already got the summons. Did you bite and own up to the debt prior to the summons? Usually a $4000 debt won't see court (here at least) unless you've taken some of their bait. If that's the case the letter will do nothing for you as it solely exists for you to confirm whether or not the debt is indeed yours, which is usually where they fuck up by not having the required documents. Your best bet is to see this through in court, all things considered that is a TINY debt compared to most the court sees, and you will be given a payment plan. Be respectful and courteous to the judge and everything should be okay. That was my plan B. Don't stress too much, if you show they won't take all your money via your employer or bank.

>>512396685
Only the government can do that if you owe back taxes. Debt collectors can't do shit but make your (credit report) low.

>>512394804 (OP)
Collection law firms buy those debts for pennies on the dollar.
Remember, everything can be negotiated down.
Just keep throwing them extreme lowball offers, keep doubling down, don't capitulate, and just tell them that's all you're able to afford.
They should cave eventually, because after all, "Something is better than nothing."

>>512394804 (OP)
Creed from The Office gave a tutorial on this.

https://www.youtube.com/watch?v=C-m3RtoguAQ

>>512394804 (OP)
I racked up 30000 in debt then got on ssdi and said fuck it to society. I got a summonce a couple of years ago and I claimed autism and should be discharged then I just sperged out like never before in the courtroom cried when things got to loud raised my hand to go to the restroom ever five minutes then accidentally watched porn with the sound on in court eventually the prosecutors or whatever you call them decided it wasn’t worth the trouble and discharged everything.

>>512396920
Yea and he lied and said the Plaintiff is Bank of America (they’re not).

If you just tell them you have no money, and go ahead, they will likely come back with some cash closeout offer.
I had one once that was over $10k. It wasn't even late, but failing at business triggered a clause that required immediate repayment.
I ended up paying around $2k I think,

>>512394804 (OP)
>be so retarded you get into debt you cant repay
>blame the guy doing his job collecting debt.

lmao, declare banckrupcy/insolvency if you really cant pay, trump did it.
im dont know much about that but there are 2 options, or you pay or you declare insolvency NOW, if you drag it interest will acumulate

>>512396902
Why not debtmaxxx and just more to europe and live like a king for 10 years as exotic desirable american kek.

>>512394804 (OP)
Ignore them and stop earning kike (((money))). God will provide food for you if you stop being evil and (((working))).

>>512397125
>watched porn in court.
Kek classic always works

>>512396613
It was literally 5 minutes before going to the judge, who was granting summary judgments left and right. $7000 with court fees and interest vs the original $3500. maybe did get played but what else could I do by then, I'm not a lawyer just did the standard shit you get recommended (debt verification and request original signed paperwork, both of which they provided).

>>512397303
That's actually the solution for society's ails.
Because we want their Federal Reserve Notes, it creates demand for it, since it has demand, the (((Bankers))) can "Print" more of it to steal the value of that Note you have in your pocket.
We facilitate the very system that works against us. Stop using their money, barter, trade, stop creating demand for their paper notes

>>512394804 (OP)
I’m not a nigger so I pay my bills. Have you tried not being a nigger?

>>512394804 (OP)
Yeah, ignore them

>>512394804 (OP)
#1 - don't answer them ever
#2 - don't have assets, liquidate/transfer them now
#3 - don't have income

If you aren't a retard read all relevant laws for yourself. Laws are all written so they can be ignored so the ruling class can ignore them.
Under no circumstances ever pay a debt just because someone sends you a bill. Paying is acknowledgement that you owe it even if you do not. They do this for things like debts from your relatives which cannot be passed to you, but acknowledging them and starting payments will transfer them.
Having a common name can be helpful.

>>512397268
I am debt maxxing and living here. Just have to get family to sign for new loans like cars that I will pay.

I've been sued by a debt collector and I got out of it. It only worked though because I had a legitimate reason not to pay.
A car rental company (AVIS) double charged me and every time I called customer support I'd be connected to sum nigress who wouldn't listen to a fucking word I said and would just repeat
>"Uhmm but it says right here you were supposed to pay"
>YES I did pay, but I was double charged. I only backcharged the extra charge. How could I possibly return the same rental car after a week rental, twice on the same day?
>"Uhmmm but the receipt right here says you need to pay?"
FUCK AVIS.

So after a few months of back and forth they sold the $750 collection to a collections company. I received a letter from the collections company saying I have 30 days to contest or they'll start calling credit rating agencies. I collected every email, bank statement, credit card receipt, and piece of documentation and I typed on professional cardstock a concise 1 page summary of the events and how I attempted to resolve it and mailed all this documentation in.
A week later I received a letter from the collections company telling me they were no longer pursuing the debt.

>>512397380
>gets 7k court fee.
>dont pay for 10 years and transfer assets to mommy.
Simple as you dumb retard.

>>512394804 (OP)
Fun fact: every debt collector on earth has kidneys

>having debt
>ever
yeah naw, can't relate

>>512397563
Pretty much this. Ignore unless you can't fuck them with 100% certainty. I had a rental company come after me for $10k once after I cosigned on an apartment for my brother. Emailed them back "you spelled my last name wrong" (they didn't lol) and never heard from them again.
The only debt nigger I fear is the CRA. They can and will rape you.

>>512394804 (OP)
No but I have experience losing with the rent dispute committee and having lots of money automatically withdrawn from my account

>>512395155
Just to add Canadian related info; lawsuits need to be served directly to the person within 6 months of their filing, but if they are obviously avoiding it you can file a court motion to serve them by other means like mail/email.

>>512397443
Exactly, let the kikes go to hell and let free men live off the land.

here shitty(and scummy) law firms buy debt obligations from other business and try to execute the debt bullying retards, its extremely easy to detect and lame because its mostly chump change, they will not bully a real company just niggers.

if its that the type of debt you can laugh it off, problem is having a debt with the state

I have personally never seen a debt purchaser that is also, itself, a specific law firm. I have seen purchasers that purchase all sorts of paper that have their own internal legal units though.

>>512397140
Every debt collectors license requires them to be honest and forthright with all information regarding your debt.
Be sure to bring any and all evidence of any lie they told to you to further their collection of the debt.
If they go far enough, the court will throw out their claim, nullify the debt, pull their license, and potentially criminal charges for them.
TLDR, look up your states debt collector laws. They have to follow them to the letter, bail them to the wall for the slightest infraction.

>>512394804 (OP)
Pay ur debts nigger.

>>512398351
maybe its not that the law firm business model is specifically that its like a side gig, since they already go to the courthouses every day for their usual job they can do that as a plus, no added expenses to do it for them

>>512398825
>Pay ur debts nigger.
What if the loan was created out of thin air? nothing backing it? Then, you are expected to pay it back with interest.
It's illegal for us to conjure loans out of thin air.

>>512397642
He was absolutely amazing in this role.

>>512398351
To add onto this, it's entirely plausible that the plaintiff is Bank of America. They are just using a third-party law firm to service the debt.
If you call in to Bank of America they can't (and won't) provide you with any information about the account at all other than "This is with xxxx" now. This is due to whatever contractual agreement they have with the firm to service batches of accounts.
It's more likely that this is the case vs. the Law Firm is acting malicious in some way. Don't walk into court thinking you've got some "gotcha".

>>512395655
>Answered the summons
Why would you go and do that?

>>512399089
If its unjust then kill the collector simple as.

>>512399222
Because if were not to it would be an automatic judgement against me. Shithead.

>>512399135
Why wouldn’t bank of America be able to confirm with me that they have a Lawsuit out. Bank of America also confirmed that the law firm is the current owner of the debt. I believe the lawfirm was bluffing because the statute of limitations is up in a couple months.

>>512399869
Bank of America didn't technically file for suit. The law firm servicing the debt did. Bank of America simply authorized the contracted firm to proceed with debt collection efforts in whatever way they determine will actually yield $$.
I've looked at hundreds of S&Cs where debts from original issuers (ex. Citi, Synchrony, BOA) were actually sold to debt purchasers before being placed with a firm. The plaintiff in those cases were always the new debt purchasers. One of the largest being Portfolio Recovery.
I'm saying it's more likely you spoke with an agent at BOA who didn't use the proper terminology than that a law firm acted maliciously and submitted intentionally incorrect paperwork to a court.

>>512400243
I talked to the legal department multiple times to confirm they are not suing me. The debt was charged off almost six years ago to a debt collector. Then it was sold to the law firm suing my rn. You’re not making any sense. Im gonna ignore you.

>>512400243
Also I talked to a lawyer and he said the somebody from BOA needs to show up in court. That’s not going to happen.

>>512400547
Issuers charge-off bad debt after it has reached a certain stage of delinquency. Just because it was placed with a debt collector does not necessarily mean it was sold.
Good luck dude.

>>512399869
most collection firms work on commission and have a policy that their client, BoA in this case, always redirect your call back to the agency. a peon at the bank wont know anything more than the note on your account that says which agency now handles it. theyre also not attorneys but they like to LARP as them.
i routinely place accounts with collections. 95% business accounts though and im not a money lender we offer net 30 terms on equipment that we rent

I would try a settlement offer of 1k

>>512395860
It's a scam and honestly I'm boggled how it goes on.

For instance, these people just sue everyone and then it ties up your local city courts... Why are local city courts letting third parties sue their residents? Or wasting the cities taxpayer dollars helping a third party extort people?

I got hit once, and I paid a lawyer ~$1000 I think.. can't remember, and he showed up and they dismissed it.

>>512401347
I talked to the legal department multiple times asswipe.

>>512395655
Show up and be ignorant. Say 'what debt', 'i dont remember that', etc.
Force them to show you owe the debt.
They have to have solid proof that you owe.

>>512401922
Im 90 percent sure this kike wont show up. Not only did he lie about the plaintiff, he withheld pages from the complaint and gave the wrong zipcode for his office. The lady at the post office caught it at the last minute. He tried to get me to send the answer to a non existent place.

>>512395655
>I’ve already answered the summons
You better hope they don’t show and the judge doesn’t give them a continuance

>>512402517
Bro had I not answered the summons they would have automatically judged against me. No I didn’t claim in anyway that I owe them the debt.

>>512396685
Lol! No, the fair debt collections act of 1976 was one of the only good actions of the congress in the past century

>>512394804 (OP)
Bankruptcy. If you're poor, it's a magic wand. Eliminated 12K in debt for 1800 bucks to a lawyer.

>>512397125
>I want to believe.jpg

>>512394804 (OP)
Is it a real summons? They commonly hire rubes off the street to “serve” you, and it’s some stupid shit written by lawyers that never filed through any court or clerk. Totally fake shit to scare you.

>>512394804 (OP)
you should have voted for kamala

>>512402664
you could have gone to a lawyer and they file something to postpone that

>>512402931
Yea its confirmed with the court. Although the debt collector who is also an attorney claimed that the plaintiff is Bank Of america, which I confirmed is not true with Bank Of america’s legal department. Trying to bluff to get me to make payments. I guess he didn’t suspect I have superior intelligence.

>>512403207
Im fucking broke nigga

>>512403306
so why do you care about being taken to court? they will see you're unemployed and broke. unless you were being hyperbolic about being broke. you can't get blood from a stone so who cares?

>>512394804 (OP)
they can't really do anything besides fuck up your credit score

>>512403602
I have a mortgage on a house

>>512403782
just start threatening them, convince them of mutually assured destruction.

This is something more and more debt collectors are doing… small claims lawsuits. If I had a debt, and it’s too late now, I’d never miss the payment. Just a $1 is enough. It’ll piss them off but they never can say you defaulted.

>>512403782
ok so you're not broke and you have a job. pay the lawyer you fucking retard. they file something that prevents the case from going forward. you lose $1,000. big deal. as opposed to being forced to pay the entire thing

>>512394804 (OP)
Start a new identity and get a burner phone. Its what kikes do.

>>512403897
I don’t. My mortgage is on hold currently. I’m broke af.

>>512394804 (OP)
A debt collector bought some traffic tickets I had that were on a car I had sold. They were like it is 600$ now. I called them to laugh at their face, told them how they are fools for not doing their due diligence while buying debt and now they are stuck with debt that's documentably not mine.
They never reached out again lmao.

>>512404001
well i mean it sounds like a judge wouldn't ground you into the dirt so i wouldn't stress it. say hardship stuff, etc.

>>512404001
On the mortgage end, I also stopped paying that when they took the debt I was choosing not to pay to the city and paid it and tried to have me pay it in 4 installments. I told them I can afford to pay but I am choosing not to pay.
My credit score has been going up since I stopped paying. It is weird. I also told them I no longer live in that home so you know go do debt in lieu or short sale I dont give a fuck haha.

>>512404034
Im pretty sure this jew wont show anyway. I’m not really worried about it. Apparently most people don’t answer a summons and the ones who do, usually the lawyer doesn’t show in court. I’ll be fine.

Return all letters to the sender.
Fill your house with junk, allow bailiffs to take junk away.
Resume normal life

>>512394804 (OP)
>how to beat these mfs?


You took out a loan
Pay it back
Shrimples

>>512403840
man i just watched that movie a month ago.. never even heard of it till then.

no wonder they made a movie about this guy

>>512394804 (OP)
secure assets with family and let them send you to jail. Pay nothing. Fuck them. This country will never change until we stop participating in fucking usury.

offer 5cents, 10cents on the dollar.

If that doesn't work, and you end-up in court... ask for continuance / continuance / continuance add-infinitum...

Fuck ZOG... Fuck Niggers&Jews

>>512404572
(Isildur at mt doom)

>>512404952
Theres no debt collection jail bro lol

>>512394804 (OP)
Simply ignore them. The statute is at most 7 years anywhere in the US, just make sure not to make any payments or acknowledge the debt. My state (PA) is only 3.5 years for most forms of debt (they sometimes differentiate based on what kind of debt it is, such as taxes, etc). Literally just ignore their calls and throw away any mail they send. If they were to sue you, it would have to be delivered in person, so don't worry about throwing away anything important.
Mind you that they can still request it after the statute has expired, but it is meaningless, and whatever damage that was done to your kike score will already be done and not get any worse. Just throw them away, regardless of how threatening they try to word it. If it is severe, you can make a complaint to the AG of your state that they are harassing you for an invalid debt.
Eventually they might sell your debt to some ultra-kike company for pennies to try and collect. These ones are often more aggressive, but give up quite quickly.

>>512405280
>Theres no debt collection jail bro lol
in red states there is lol

>>512405070
I got you

>>512406975
I’m in a homo state so there isnt

>>512399690
Civil court? If so answering the summons resets the 6 year deadline unless you win the case.

>>512407497
I think in gonna not take anymore advice about my court case from anons lol.

>>512407790
start building a killdozer

>>512394804 (OP)
Yeah just ignore them.

>>512407790
Look up your states debt collector laws.
As anon said here
>>512406908
Answering the summons may have acknowledged the debt depending on the state. Either way it will lay out your obligations and the debt collectors obligations.

>>512394804 (OP)
Yeah I just ignore them. I went to to the doctor, i paid my bill, a year later they wanted 200 dollars more. I said no, they sent me to collections. I get a text like once a year saying I can pay it off for a few bucks

>>512394804 (OP)
>ITT kikes advising kikes how to kike
you fucking niggers

>>512394804 (OP)
Your best bet was to simply not interact with them, not to tell them who you are and confirm any details about yourself.

Given that you've now caved in to their intimidation tactics and answered the summons, you should show up to court. You are entitled to legal representation, and I suggest you request the state assist you with that (because it's better than none and also adds credibility to your story that you are in financial difficulties).

You just tell the judge that you are having financial difficulties and are simply unable to pay the amount requested. The little known truth is that these debt collectors buy the debt from banks at pennies of the dollar. So even something that sounds ridiculously low to you is still enough for them to have made money on you and while they might try to push for more it really comes down to how well you can argue your case and sound reasonable to the judge.

So you tell the judge that due to your circumstances you can only afford pay X per month. The correct legal buzzword to look up is "undue hardship". You don't need to mention this directly but understand what it means in the context of American law and what kind of factors sound "reasonable" to a judge.

Willingness to even talk about a payment plan and keeping your mouth shut in court will put you above 90% of the retards who take what these collectors say personally and feel they need to outtalk them or talk down to them. You don't have to do that, you just have to outsmart them, and you do that by understand their business model, how courts work and by sounding like the most reasonable party in the room.

>>512410743
If I had not answered the summons it would have been an automatic judgement against me. You dont know what you’re talking about.

>>512411021
Those are part of the intimidation tactics they use, to convince you that your only option is to confirm who you are by answering the summons and which confirms that you still live there and received the notice, which now means that you can actually be taken to court. Cops use the same tactic, where they convince you that a confession is in your best interest because they make you feel like they've already got you, when they are bluffing in a lot of cases. And guess what, a lot of retards confess. But you've got it all figured out, that's why you're looking for advice on 4chan. Fucks sake. Why did you even make this thread then if you want to pretend to be a smartass? No wonder you got into debt you couldn't pay.

>>512411649
Suck my cock leprechaun

>>512394804 (OP)
What about paying your debts? That'd make the debt collector go away.