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Posted by bman ( on June 02, 2004 at 03:40:19:

In Reply to: HELP ON CREDITORS posted by Gone2theDogs on June 02, 2004 at 02:42:50:

Hi, I'm not a lawyer or anything. I am just someone who has been through a similar situation.

One thing you can do is write a letter to the collection agencies saying they must stop trying to contact you. By law, they can send you one reply saying what they intend to do, or they can do nothing, or they can send the account back to the orignal creditor. Most of the time they send it back to the orignal creditor who assigns another collection agency.

They probably cannot garnish or attach anything unless they first go to court and get a judgment. Even then they probably can't garnish social security. Most creditors do not bother going to court unless they see assests to attach (like Real Estate.)

If you do not file bankruptcy, the debts will be reportable to the credit bureaus for 7.5 years from the date they first went delinquent.

Every state has a list of minimum necesities that are exempted from attachment. I would think your car would be exempt for medical.



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