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Okay, I was stupid amd when I was 18 i got alot of credit cards, and payday loans...I intended to pay them but omg...money is hard to come across...Can I get arrested or can they take my SSI benifets..or garnish my wages??/My fiance is in the same boat...we were wondering if we can go to jail????? Cause we are deathly afraid of this! And will all the companies garnish his wages??? cause he is already working like 40 hours a week..and can not afford the time for another job!!! And hes barely home with me and our daughter! please help..I am so scared!!!!
Sorry........you and your BF need to get another job........your in it up to your neck......and it won't get any better.........Are you working.......if not get off your @ss and flip burgers some where.............then work at WalMart stocking shelves.........you pay em you made em..............
First, calm down. Second, understand that the law deals with two different types of issues: A) Criminal - someone commits a crime, such as extortion B) Civil - two people have a dispute and need a judge to settle it, such as you owe him money but you won't or can't pay. If you owe money, and you are making a "good-faith" attempt to pay it back (meaning you didn't take out a loan and never tried to pay it back ever), then you are dealing with a purely civil matter. Any collection agent who says they will throw you in jail for an unpaid debt has just crossed the line. Next time, get it on tape, because THE COLLECTION AGENT JUST COMMITTED EXTORTION (a felony in many states) (There was a caller in to the Dave Ramsey show yesterday with the exact same problem. That was the answer Dave gave. Disclaimer: I can only hope Dave knows what he's talking about) Google "extortion" for details. Remember, collection agents are professional bullies. Now, earlier I said that civil disputes are handled by a judge. In order to get a judge involved, they will have to sue you. If they threaten to sue, that's simply a bullying tactic. If they really do sue you, then yes, the judge can garnish your wages. But at that point, you'd've probably already talked to a bankruptcy attorney, which means the collection agent won't get much anyway. ------------------------------------- Now that I've explained the mess, here's a way to try to get out: Read "The Total Money Makeover" by Dave Ramsey. It's become my bible for personal finance.
It's a very difficult situation that you've placed yourself in... especially if there are children involved. I agree with the previous poster regarding the fact that you won't go to jail. I'm from Australia... and these issues also occur. What happens is when a company can't recover the money, they sell the debt to a debt collector. So if you owe $1000 the debt might be sold for $500. The debt collector then tries to recover the full amount ad they can get a $500 profit from the transaction. Obviously they're very keen for you to pay and will therefore try to use dirty tactics. The best way to deal with this is record their threats and let them know that you'll be contacting the police... this will get them off your back... or at least get them to become more polite. Also, have a lot on the internet for some information sites on this topic... i know there are heaps of them in Australia. These sites are typically unbiased and be be of use to you. An example of such site in Australia is ... but i'm sure there are plenty of similar websites where you live
Stay away from those credit counselors. They can't help you any more than you can by yourself. Just call the creditors and ask for a settlement amount or try to make a payment agreement with them. If all else fails then bankruptcy is an option you might want to explore. ONLY ohio A LAST RESORT!!!!!!!!!!!!!!!! You can file on what you want to. Just don't sit there and do nothing. Most will work with you. Some will settle for up to 50%. Some won't do it at all. Never hurts to ask or try. Best of luck to you both.
You're not the only one who made bad financial decisions at that age. You won't go to jail. If you quit talking to the bill collectors altogether, you'll be better off. Everytime you comminicate with them (especially if you say you'll send them something) it goes on your credit report. Once you stop comminicating with them, it will eventually drop off of your credit report (some states it's 4 yrs, some states, it's 7...) You'll have a very hard time doing grown up things with bad credit for a while, but now is a good time to start over. You may want to consider filing for bankrupcy, but the laws have changed. Know that you have legal rights: If bill collectors ever threaten you in any way, shape, or form, that's illegal. If you tell them to stop calling you, they're supposed to.
Passing bad checks is a crime in probably all states, but Washington for sure. I have had checks returned to check cashing places, and they weren't too concerned about it as I imagine it happens quite a bit for them. Not paying credit cards, in my experience, just leads to bad credit and harrassing phone calls and letters, but I don't think you can go to jail for that--at least I haven't yet! It sounds like you might benefit from a service like Consumer Credit Counseling ( ). They can help you work out a repayment plan that will stop harrassing phone calls, etc. I'm pretty sure they won't touch your SSI benefit, but over time (several months) they could enter a judgement against you in court, which would allow them to garnish your wages. Hope this helps, and good luck. Times are tough all over out there, and you're not alone.
To my knowledge they don't. Someone is trying to intimidate you into payment. Check in your state personally with the better business bureau and court systems. If the company has given you notice they have received a judgment against you, then they can send you to another collection agency or start proceedings to garnish your wages but that's it. and many states have their own collections departments that will work with you on payment plans to pay off any balance that you have in a judgment against you so there's that. I would file a complaint against the company that's doing this and if anyone else calls claiming to be a court officer, tell them that impersonating an officer of the court is a severe offense that carries heavy penalties if prosecuted. :)
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