i have arrears thta built up while i was in school. my ex and i negotiated a deal before i started school to lower my support, but built up what i owed her. i didn't have to do this, but in fairness to her i paid so much and owed so much. we have an order in place fo payback, and i am current with that order. all of a sudden, support collections freezes my account, and tells both of us, there is nothing we can do about it. what good is a court order if they caan do this?
210346
Yes they can even freeze social security benefits checks deposited in your checking or savings.They can and will take your state and federal income tax refund check.File a petition in juvenile and domestic relations intake office for your support to be re evaluated.
491719
I retired from IRS Collection Division 2 yrs ago after working 28 yrs. You need to go/phone IRS and ask for paperwork to file an "Offer in Compromise" Anyone who owes taxes to IRS has a RIGHT to this. It is a way for people to settle their tax debt when they cannot fully pay it. The IRS is required to help you along in the process, you do NOT need to pay an att'y or accountant to help you. You offer what you can afford, as little as $1. If you feel the IRS person is not helping you, then you have a RIGHT to speak to their supervisor. If the offer becomes accepted the tax lien is removed. I urge you to take action now, do not delay in contacting IRS. Write down names & ph # of IRS employees you talk to and notes as to what they tell you. Good luck.
176900
While a written agreement is the easiest to clearly understand, a verbal agreement is also legally binding.  It's good you've got witnesses to back you up - take her to court, she owes you!  She might decide to pay once she realizes you are serious about collecting your debt and you may never have to go to court to collect.  Don't feel bad about suing her for it either - you already have been kind to her with all you did do - and she doesn't seem to have a problem taking advantage of you and flaunting it in your face... this is what the legal system is for - this is obviously bothering you - this is your only recourse unless you decide you want to "gift" it to her and then you should quit complaining about what she didn't pay back.
379565
She can't legally hold your belongings, but it sounds like you owe her money even if nothing was in your name.  Pay up and be a grown up and then get your crap outta there.
394565
I'm sorry Love, but it sounds like your missing something!?! You refied. with another bank! They called for the pay off and wrote the bank of your previous loan the whole amount to give them the holding on your home? Now, the previous bank says that you did not pay the correct amount and are foreclosing on you? \nIf you only owed 4 thousand something, on the home and refied. with another bank, they should have called to get the correct amount, then pay off the loan from bank 1 to give holding to bank 2! Bank 1 refused the money because, Why? Bank 2 is, What?\nIf you refied, and only got a 2nd on the house you would still owe money to bank 1 and now owe money to bank 2! So I'm a bit confused about what really happened!\nYou really need to get an attorney, weather it be to file bankruptcy or just sue someone! This is a bit complicated even for someone who deals with this on a daily bases.\nI know that you don't want to spend the money on an attorney but beleive me when I tell you that if you don't do this you could very well lose everything and still have to pay everyone back what they say you owe them! Don't wait and don't delay! Do it as soon as you can! They can help stop anything that may be in action right now and atleast give you enough time to figure out what you want to do! You may even have money coming to you because of what bank 1 did and what bank 2 didn't do!\n\nGood Luck Little One!\n\nBlessed Be
308184
Almost all the info you have here is not correct.  Collections agencies do not buy accounts, they work on a contingent basis.\n\nSome of the info is right.  Once the account is assigned to a 3rd party the original creditor does not have the ability to negotiate any longer  \n\nYou must deal with the collection agency.\n\nHere are some hints.\n\nDo not tell the collector that you are trying to buy something on credit (ie a house or car) and you need this to be paid.  This take away your leverage as they now know that you HAVE to pay it and they don't have to take a settlement.\n\nSimply tell them that you are trying to make good on your past mistakes and take care of your responsibilities.\n\nMost agencies will take a settlement offer, start low and they will counter, don't play too much or it will irritate them and then may just say "forget it, pay it all."\n\nGood luck!!
445758
What seems to be happening here is,the company you had the actual debt with has not closed the account and it has therefore gained small interest,these files are then sent in bulk for a collection agency to sort out,the amount which has been paid still remains as unpaid when sent to the collection agency,so what you need to do is make contact with the persons,company or who ever the debt originated from and in turn they should inform the collections company,the fact that you say you continue to get them off different companys also backs this,has what is also happening one you explain the situation to one collection company and they then send it back to the originator who then sends it to another collection company,this is because the left arm hasnt got a clue what the right arm is doing and in any case dont worry about it,if seven years have passed you can tell them to take a run and jump
150279
You are finding out what I've been trying to warn people about for weeks now.  \n\nNever, ever, pay off an bill that is in collections unless you get IN WRITING that they will remove the negative entry from your record before you pay them a DIME!\n\nNow that they have your money, you no longer have any leverage over them.  Good luck getting them to fix your report.  Remember this....credit reporting agencies only report what the creditor tells them.  They can NOT remove it or change it.  \n\nWhat you will need to do is this.\n\n1) Send a letter to the CRA protesting the report, and tell them exactly what is wrong with it.  If it's paid off try to supply any evidence of it.\n\nThe CRA will contact the creditor to "verify" that the report is legitimate.  Remember they are not investigating anything, they are just verifing with the creditor that the information they have is correct.  \n\nIf the creditor does not change the record, and you have documented evidence that it is wrong, then move on to part 2.\n\n2) Send a "demand for validation" letter to the creditor.  They must supply you with copies of all contracts, bills, receipts, and everything used to calculate what they claim you owe. If they do not produce it, send a copy of this letter with another protest to the CRA to remove the listing.  If they don't do it, you have grounds to sue both the CRA and the creditor.\n\nIf the creditor can not supply proper evidence to prove the listing is accurate, and still will not remove it, you can sue the creditor for violations of the FCRA, and defamation of character.  \n\nRead the links below, contact me if you need more help.
32657
What you should do is talk to them and explain your situation... Also I would look into going through a debt consolidator... That is what I do... and I was in your situation and now all I have left is less than a year and I am debt free!!!! I had to go to court for one of my bills... and when I did that the person said that they couldnt take money I didnt have, so they worked with me so I am paying a very low payment... SO your best solution is to talk to all of them... They may be able to help you out...
652540
I have worked for several collection agencies and when the sherriff comes with the subpeona it was sent by the pre-legal dept. all that is is a dept that tries to decide whether it is worth it to sue. i.e do u have a job? can they garnish? do u have a car worth anything? do u own ur home? lots of things because for the most part it would cost too much in legal fees to sue and not worth it but if your friend has assets that can have a lien put on them or wages that can be garnished it would be in their best interest to try to work out a pyment plan.
245045
In my case, things got BETTER between my ex and I AFTER I took him to court for support.  \n\nIt was especially difficult because he is an attorney and tried to make it hard for me.  But, I went after everything I could because I figured that even the LAW would grant me more than he was leaving me and the children with - which was nothing!\n\nSo, I sued him and fought him.  I won enough to make a difference, and it was totally worth it.  I too have a child going to college in a few years, and I have younger ones too. \n\nFor the sake of your children, and for the sake of your own sanity, SUE him if you must.  \n\nMy ex has reluctantly accepted the situation, but I had to have his wages garnished before he finally came around, and now we're actually better friends than when we were married.\n\nIt's hard, I know.  But, it's worth it.  You can't afford NOT to go after him.  Your children are HIS children too.  \n\nGood luck!
670391
Anything that is past the statute of limitations for your state of residence is uncollectible.  It will fall off your credit record at 7 years from the date of the last activity; contrary to what another poster said it does NOT stay there until paid + 7 years!\n\nIf you get feeling guilty and contact the creditor trying to "make things right" they will re-age your debt (this IS legal!) and start collection efforts all over again.  It will show up as a chargeoff with recent activity.\n\nIt's a dirty little secret that creditors sell of old chargeoffs to collection firms for as little as less than a penny on the dollar.  This is great for the collection firms, as if they get a 10% response on any of their efforts, they make a TON of money!  Imagine that you buy a $1 million in chargeoffs for $5,000.00.  If you get 10% of the debtors feeling guilt enough to pay off their debt you just made a cool $95,000.00 profit.  These firms buy these accounts in blocks of tens or even hundreds of millions of dollars.  Do the math, it's an EXTREMELY lucrative venture!\n\nYeah, you can have both the original debt AND the collection agency's data on your record at the same time.  Once the statute has expired, it's best to leave sleeping dogs lie.  If they contact you by mail, just trash it.  If they call you, just hang up.  If you say anything at all, say, "Don't contact me again." and then hang up.\n\nIf your "moral compass" is giving you fits, make an equivalent charitable donation to a worthy cause and don't deduct it on your taxes.
235905
First of all he violated court orders. Talk to your attorney about reporting that and taking his fool butt back to court. \n\nSecond, you need to take copies of those court papers to the bank and deliver them to who ever is in charge of the debt. Since you have these, you are not liable for the debt. If they continue to bother you, you may need to get your attorney involved to shut them up. Best of luck.\n\nAdded: Be sure to add court costs to any suit you bring against your ex or the bank. That should help reduce your own costs. Heck, just sue the ex for any costs you incure due to his lack of action on those court orders. Take care.
136232
If I understand the question, the answer is no.\n\nAre you asking if: you owe money. you offer to settle for less than is owed. if they say no, they have to live with only what you have already paid?\n\nIf so, of course not.\n\nAs long as really really owe the money (or if it has been legally determined that you do) the collection company can settle, or it can do what it can to collect the whole amount from you.  Collection agencies often agree to accept less than they have a right to (say, to forgive interest, or cut the amount a little) because it is cheaper than going through the effort of collecting.  But they don't have to.
568437
If you have a copy of that promisary agreement, you would have a good case.  Without it, it's your word against theirs.\n\nAt lease tell the collection agency to send you a letter saying you do not have an agreement to pay them.  That will help out with any future statue of limitations arguments.
432742
Danny, have you talked to your trustee about this. If they were to be making the payments, if I were you I would be asking where did the money go to. I would contact a lawyer. I would think you would have some kind of re-course. Good luck to you.
660928
If the letter was from a court, there is a judgment against you. They may be able to get a court order garnishing your wages or your bank account. They can not take any other property you own, unless they have a court order. Courts do not often order the seizure of non cash assets, If it was not from the court, it most likely was an attempt to scare you into paying.\n\nLook for small print at the bottom. If it says "this is an attempt to collect a debt............" then it is just a collection attempt. \n\nYou still owe the money, and should do everything you can to pay it back. Send the dealer something, even if it is not a full payment, every month. The best way to solve this problem is to pay what you owe.