Re: not sure what to do/expect
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Posted by Drew
(22.214.171.124) on November 13, 2003 at 14:39:51:
In Reply to: Re: not sure what to do/expect posted by julie on November 13, 2003 at 14:26:20:
Look at your deed. NY is not a community property state and your fiance could not be touched in this. It was illegal for them to even pull your fiance's credit report.
Get an answering machine and Caller ID. Don't return their calls. If they get a judgment (they have to prove it), they can only get 10% of your take home pay after taxes. That is it.
If you send them the $10 a month in good faith, you admit before court of law that you owe the entire amount. You will have little room to dispute later on.
Oh, also you need to file a complaint with the your State Attorney General, the Federal Trade Communication, and with the Better Business Bureau for pulling your fiance's credit report. They had no business doing that. Your fiance needs to check his credit report to make sure that they didn't poison it with a hard inquiry.
More than likely they are determining whether you are worth the cost of a lawsuit or not. You have no job, you have no equity in your home and you have no means of satisfying their debt. They are fishing for potential assets and relatives that they can exploit. You don't need or want a loan from your parents, especially over an unsecured credit card debt and your fiance is not legally responsible for paying this debt. If they sue you and are successful in winning the judgement, they then have to collect.
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