At the end of November, I sent the crap one debt collector lawyer the information they requested such as my full name, SS, address, employer, car make, current checking account info etc.. I did not send via register mail, just dropped it off in the mail box at the post office. I did not care if they got it or not since I had it notarized.
Since I fall under the poverty income guidelines, I thought they would leave me alone. On December 5, I left the state to go visit the folks for at least 2-3 months. I have a friend who has been collecting the mail weekly in my absence. By mid December the crap one lawyer sent another darning letter that they will be garnishing(NON_EARNINGS) my since closed checking account(closed over 6 months ago). They are requesting if any of the funds in the closed account is exempt etc.. This summons was sent through regular mail and was not discovered until mid January under a pile of other creditor letters. I finally received it today at my folks residence. The summons was due back last month.
I assume that did not receive my debtor exam. I still have my current checking account open that I monitor closely. Once funds are deposited, I pay my utilities and auto insurance ahead of the due date and withdraw my excess funds.
Since I did not respond and January is almost history, I have not heard from them. However, there is register mail at the post office awaiting but will not be there to retrieve since I will not be returning soon.
BTW: The auction date on my condo has been postponed for the second time for another three months which restarts the six month redemption period.
At least I will be making up for PMI and my initial down payment.
Since I fall under the poverty income guidelines, I thought they would leave me alone. On December 5, I left the state to go visit the folks for at least 2-3 months. I have a friend who has been collecting the mail weekly in my absence. By mid December the crap one lawyer sent another darning letter that they will be garnishing(NON_EARNINGS) my since closed checking account(closed over 6 months ago). They are requesting if any of the funds in the closed account is exempt etc.. This summons was sent through regular mail and was not discovered until mid January under a pile of other creditor letters. I finally received it today at my folks residence. The summons was due back last month.
I assume that did not receive my debtor exam. I still have my current checking account open that I monitor closely. Once funds are deposited, I pay my utilities and auto insurance ahead of the due date and withdraw my excess funds.
Since I did not respond and January is almost history, I have not heard from them. However, there is register mail at the post office awaiting but will not be there to retrieve since I will not be returning soon.
BTW: The auction date on my condo has been postponed for the second time for another three months which restarts the six month redemption period.
At least I will be making up for PMI and my initial down payment.
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