Re: anxious to learn

Posted by JKelly (141.151.91.180) on May 31, 2004 at 10:55:41:

In Reply to: anxious to learn posted by Coop on May 31, 2004 at 02:03:32:

Barb is right. But, they can't touch your bank account unless they get a judgement against you. Not sure what went on in Barb's case, they may have gotten a judgement that she was not aware of. But 1200.00 is not small change to them. They will take it in a heartbeat if they get a judgement. The other thing that can happen is that if the creditor can convince a judge that you will take your money out of the bank in order to avoid paying a debt, they can freeze the account (not take it) until they get the judgement. This is uncommon, but can happen. Last, they can garnish your wages. I had 13 cards and only one sued, so chances are good that you will not be sued. My strategy was to ignore creditors. Did not apply for credit, unlisted phone (of course they got the number eventually, I just slowed them down) OPT OUT. ( I didn't and that was how one CA found me, and sued me) Don't let them get update info on your employment. If you have ever paid the original creditor with your current checking account, they have your info. Change banks and get a joint account with someone else as primary (if possible). If they call, watch caller ID, let the machine pick up. Don't talk to them.

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