what if the credit card companies sue me?

[GoingDown]

PA not a garnishment state but yes they can get into your bank accounts They can have the sheriff enter your home and take your property and sell it. I think I can safely say that no one on this forum is judgment proof.

Perhaps this varies from state to state, but in Arizona:

"TheConstable has no right of entry into a
person’s home and cannot search the
individual."

http://www.co.yavapai.az.us/WorkArea/showcontent.aspx?id=19202

So, being ascared of the big bad sheriff coming into your rented apartment and taking your underwear is the kind of thing that debt collectors try to scare debtors with. For one thing, your used personal possessions are usually not worth as much as it would cost to take them, transport them, store them, insure them, and then sell them at auction. It's just a scare tactic used by debt collectors.

But this is a primary reason why YOU SHOULD NEVER TALK TO A CREDITOR OR DEBT COLLECTOR ON THE TELEPHONE. They might get information from you about your assets. What you don't tell them, they will probably never know.

[CompTweaker]

Sure I can. I think some of you really need to read up on judgment proofing yourself before thinking you are. Yes any judgments you had before BK are wiped out. But how about the 8 years following the discharge? Why do you think CC companies are so willing to give you credit?
How many here have 500K to setup and maintained off shore accounts in countries that do not have finical treaties with the US.

you must be a collector.....so tell me what can be done about the discharged debt 8 years later. you trying to scare people with false information? the debt has been discharged and can never be collected on legally....but go ahead and waste time and money chasing something not collectible lol

[CompTweaker]

"There is a true story of a JDB/Attorney in PA or NJ that buys old debts, then he serves the people at an old address he knows they don't live at (funny how you can be served at an old address??) But then after the default judgment does one of two things. Is able to get the judge to order a seizure of that persons vehicle (funny how he knows where the car is) to pay the debt and as soon as the judge signs the order bam they go out and grab the car that night at the persons real address (this is how is works with a crooked process server). They take the car and then hold it until you pay all the fee's or sell it and then 1099C you for some horrendous amount. This was on like 60 minutes and now the two bothers both attorney's are being investigated by the AG's office. But in the course of like 4 or 5 years of doing business they had popped like 4000 cars. "



Those guys should be in jail because I'm sure some of those vehicles were covered through the state's exemptions on what could be recovered. Plus how could they do something like that without doing a proper debtors exam? I hope they get thrown in prison for doing things like that.

[GoingDown]

"There is a true story of a JDB/Attorney in PA or NJ that buys old debts, then he serves the people at an old address he knows they don't live at (funny how you can be served at an old address??) But then after the default judgment does one of two things. Is able to get the judge to order a seizure of that persons vehicle (funny how he knows where the car is) to pay the debt and as soon as the judge signs the order bam they go out and grab the car that night at the persons real address (this is how is works with a crooked process server). They take the car and then hold it until you pay all the fee's or sell it and then 1099C you for some horrendous amount. This was on like 60 minutes and now the two bothers both attorney's are being investigated by the AG's office. But in the course of like 4 or 5 years of doing business they had popped like 4000 cars. "



Those guys should be in jail because I'm sure some of those vehicles were covered through the state's exemptions on what could be recovered. Plus how could they do something like that without doing a proper debtors exam? I hope they get thrown in prison for doing things like that.

I heard a similar story about that, and what one of the debtors said was that most people didn't know their rights and they VOLUNTARILY handed over the keys and titles to the debt collectors out of fear. But one of them had enough knowledge to realize that it didn't seem right, and so he brought his phone outside and called the police and as soon as the debt collectors heard that, they jumped back in their truck and drove away.

What they were doing was obviously not legal, or perhaps the repo men had warrants for themselves and they didn't want to have anything to do with cops showing up on the scene.