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Re: Vicious creditors attacking my widowed mother...


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Posted by LadynRed (199.91.33.254) on January 22, 2003 at 16:18:08:

In Reply to: Vicious creditors attacking my widowed mother... posted by Silver Back on January 22, 2003 at 16:03:53:

At least your mother won't lose her home there in TX to these scum.

With that kind of HUGE debt load, the best thing for her would be to file for bankruptcy - there's no other way for her to get out from under that kind of debt - and if its all unsecured it will ALL be discharged.

Her income and retirement are EXEMPT in bankruptcy, so she should lose absolutely nothing except the headaches and hassles of the debt. I would strongly suggest you make some appointments with a few bankruptcy lawyers for free consulations and find out exactly where she stands.

They CANNOT put your mother in jail, there is NO debtors prison in the US !!! That's bullcrap and its illegal under the Fair Debt Collections Practices Act, which you need to get very familiar with quickly. You can sue these scumbags for violations of the FDCPA !!

You should also send out Cease and Desist letters to all of these dirtbags. You can make them stop calling her and limit them to mail communication only - they don't get that nasty in letters, believe me. However, they do still violate the FDCPA, you just don't have to listen to them.

If your mother has caller id, don't answer the phone, if she doesn't get her one. Let them talk to an answering machine -- you'll have ample proof of their violations on tape ! You could also get her Privacy Director, which I hear does a pretty good job of keeping these people from getting thru.

You can get sample C&D letters on WhyChat's site - here: http://community-2.webtv.net/Y-chat/WhyChatsCredit/#caval1



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