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What a piece of work................

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    What a piece of work................

    Prior to us filing bankruptcy, my wife and I were served a citation by the civil courts here in Houston. We were being sued by a lawyer here in Houston on behalf of Target stores. We tried working out payment plans with their atty, to which they wouldn't agree to. Well, we tried borrowing money to pay this off, and no one could loan us the $$. We resorted to filing bankruptcy.

    Now, we had to "answer" the citation with the civil court as to what we were going to do. We answered that we were working with the atty that was sueing us to work out a payment plan.............which we were. This answer was done pre-filing of bk. The courts sent us a letter stating that a non-jury trial was set for 12/12/05.

    After we filed bk, we received from this atty "orders to pay". I promptly notified this atty that we filed bk, case # blah, blah, blah.

    341 meeting yesterday (11/21). Today, I receive by certifed mail, a package from this atty representing Target, a copy of a motion to continue trial. They state that we were 1. in violation of some rule that we filed answer with the court, but did not send copy of said answer to them. And 2. that said answer was filed in bad faith, and was used as a stall tactic to delay this court case. 3. Even if court dismisses case, that we should be liable for additional fees of $250 for more paperwork, etc. that was produced since they did not received the answer we filed with the court.

    1. The citation we were served with made no mention of having to answer to this atty as well as the court. It only stated that we had to answer the court.
    2. The answer we filed was not in bad faith, as that was truth at the time we filed said answer. Nor was it a stall tactic.
    3. They can take that $250 addtional fee and stick it where the sun doesn't shine. We didn't know what we HAD to copy them on the answer, and have all copies of paperwork involving this case and out bk. Write it off.


    I think I'm getting an ulcer now...............................I'm in contact with our atty to see what needs to be done. To me, it seems they are in violation of the stay. And since the court date for this case is on 12/12, and our last date for objections is 1/20/06, I don't see how they can continue that case. I get the image that they are mad because we filed bk, and they are trying anything to get their case pushed through and get $$$.
    Filed: 10/11/05 DONE
    341 Meeting: 11/21/05 DONE
    Last day for Objections: 1/20/06 DONE
    Discharged: 1/26/06
    CLOSED!! 3/16/06 :yahoo: :D

    #2
    Relax, Dave. This is just standard legalese you are getting. They are asking, but they won't be getting. The trustee will handle it, and you are not going to have to pay any filing fees.
    Let your attorney deal with this.
    Filed Chapter 7, 8/16/05, 341 10/12/05
    Discharged 2/16/06, Case Closed 3/8/06
    FICA Score (Equifax) as of 10/13/06 - 645
    (It was 506 on 10/12/05)

    Comment


      #3
      thanks for the encouragement, pinktiger. I'm hoping that they're just pushing their luck in hopes that the judge will favor them. They are the only creditor that we've had problems with. With this atty being here in town, I was VERY surprised that he didn't show at our 341 yesterday.
      Filed: 10/11/05 DONE
      341 Meeting: 11/21/05 DONE
      Last day for Objections: 1/20/06 DONE
      Discharged: 1/26/06
      CLOSED!! 3/16/06 :yahoo: :D

      Comment


        #4
        Originally posted by suprdav2
        thanks for the encouragement, pinktiger. I'm hoping that they're just pushing their luck in hopes that the judge will favor them. They are the only creditor that we've had problems with. With this atty being here in town, I was VERY surprised that he didn't show at our 341 yesterday.
        He didn't show because he knew that the court wouldn't get anything and that he had violated the automatic stay and would be in trouble.
        What you rec'd from them is nothing much more than a harassment "form letter".
        They're trying to "bully you". Punch back by copying their letter and writing at the bottom of the letter..."This is an abuse of the "automatic stay relief offered by the US Bk. Act" "Copies sent to "attorney's name" and "Trustees name". Then send your atty and trustee a copy of this as well as sending a certified mail...delivery confirmation, to Target's atty. This is not really an atty, it is a law firm acting as a collection agency.
        I once rec'd a letter like that for a therapist's bill for marriage counseling and she advised my wife to file for divorce. We were supposed to each pay half, but I came to my senses and figured out what a big fraud she had going and decided not to pay. Anyway I get this threatening letter from an atty who had been in the same group as I was in. A few months later, I happened to stumbel into him at lunchtime, went up and said hello and told him why I did not respond to his letter. His reply was, Oh don't worry about that, I just wrote some of those letters for the therapist, because she offered to barter my time for part of the bill I owed her. There's no plans to follow through with it. She just wanted to see if she could intimadate you to get you to pay. Sorry, I had to do it to you, but it I needed the money.
        Interesting, huh??? Art

        Comment


          #5
          Art, that is an interesting story. But, this guy is an actual attorney here in town. He specializes in debt collection though (consumer, child support, etc.). Still waiting on word from my atty. One of my co-workers stated that they're not sure if they would be in violation of the stay since it appears they are just trying to get the judge to lift the stay and proceed with their trial against us. Who knows..........they are being very persistent, that's for sure. I'll keep you guys posted on what transpires.

          Dave
          Filed: 10/11/05 DONE
          341 Meeting: 11/21/05 DONE
          Last day for Objections: 1/20/06 DONE
          Discharged: 1/26/06
          CLOSED!! 3/16/06 :yahoo: :D

          Comment


            #6
            well, finally received a response from out atty. His assistant stated that they are my atty for the bankruptcy case only, not for other issues. However, they would try to help in any way they could, to a degree. She said that Target and the atty representing them were sent notices of my bankruptcy, and that basically we don't owe them a dime. They were going to prepare a "suggestion of bankruptcy" notice for me to file with the county clerks office, just so they have notice of this as well. Was also told that "yes, you DO have to notify the opposing party when you submit an answer to the courts". Well, they need to let the average joe's in the world know that because in all of the initial citiation paperwork I was served with regarding this lawsuit, nothing states about having to notify the other party. So I guess once the county clerk receives that "suggestion of bankrupty" notice, I will have to follow up with them to see where all that stands. My wife is telling me she has this sick feeling we'll end up having to pay Target off because we goofed and didn't know we goofed. But not if I can help it.
            Filed: 10/11/05 DONE
            341 Meeting: 11/21/05 DONE
            Last day for Objections: 1/20/06 DONE
            Discharged: 1/26/06
            CLOSED!! 3/16/06 :yahoo: :D

            Comment


              #7
              well, received yet another certified letter this morning from this atty sueing us on our Target Visa acct. BUT..............this letter was a "nonsuit" letter. Basically states that they are dropping the lawsuit against us. WOOOOOHOOOOOOOO!

              Now that's a big weight off of our shoulders. Just have to finish waiting out the remainder of the 60-day period.
              Filed: 10/11/05 DONE
              341 Meeting: 11/21/05 DONE
              Last day for Objections: 1/20/06 DONE
              Discharged: 1/26/06
              CLOSED!! 3/16/06 :yahoo: :D

              Comment


                #8
                Hey, Major Congrats!!! Art

                Comment


                  #9
                  Sounds like a good end result. Perhaps the bK took a while to reach the desk of the person handling your account? Not that its an issue now, but they would have had to petition the BK court to lift the automatic stay, not the court they had filed the suit in to begin with.
                  Most of my information is from personal experience or HOURS and HOURS of online research. When you're searching online, keep in mind there is no guarantee that the info is completely up to date, and your situation is unique from anyone else's. Do your homework, and consult with an attorney so you can make an informed decision.

                  Comment


                    #10
                    I'm just glad that's all over with and appears they won't be objecting to the bankruptcy anyways. I feel I can enjoy the holidays a little bit more now.
                    Filed: 10/11/05 DONE
                    341 Meeting: 11/21/05 DONE
                    Last day for Objections: 1/20/06 DONE
                    Discharged: 1/26/06
                    CLOSED!! 3/16/06 :yahoo: :D

                    Comment

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