Re: SETTLEMENT LETTER

Posted by Linda on August 31, 2001 at 14:59:22:

In Reply to: Re: SETTLEMENT LETTER posted by jordan on August 31, 2001 at 14:10:51:

Usually the sheriff serves you. If you are not at home, they can fasten it to the door, or if someone lives with you they can give it to them. Then, they also have to send it in the mail.

If you have received a letter from this attorney at your current address keep it, just in case you are served at another address, you can prove that they knew where you were. I don' think an attorney would do that, but who knows.... they have to go by the rules, but there are sleazy people in all professions.

So, I would just wait them out, if you can stand it. Your other option if they do sue you for it, is to take bankruptcy. If you have no assets and don't have a huge income, you can just file on all of it, as a last resort. Why don't you talk to a bankruptcy attorney and see if you qualify, then you can get all your paperwork ready, hide enough money to pay the bankruptcy lawyer (under the mattress, hahaha) and wait for someone to sue you. They might, if they think they can get anything, if they don't think so, they'll go away. If yo go to a bk attorney, don't use the big clinics that advertise all over - they mostly run everyone through the same system. Find an attorney who will be there afterwards if you need them, because some people still continue to try to collect even after you bk the debt. It's worth the money to have a good lawyer.

As far as how you can prove when you paid something, you had better be keeping absolutely everything, because this stuff comes back over and over and over again. Get a box and stick it all in there. If you can't deal with it now, it will all be there later, when you can deal with it. You will need it. Save everything.

When you're already overwhelmed, and they keep piling on the fees and interest, trying to bury you, they give you no choice. You can come back from a bankruptcy faster than you can come back from paying them off and dealing with it all.

It's a shame, but it's the way the system is.

Linda

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