Knock Knock Who's At My Door!

[IvoryAngel]

Okay, so I realized over the weekend one of the loan companies I have stopped paying has filed to sue me. Well according to the website the court date is on the 20th March. Well, I have yet to see the paperwork. I have read over the post and I am not sure what the process is. I owe them like o' 200.00 true insignificant but they have filed. Not sure what the balance is now.

So I am thinking okay I am sure they have to notify me via served paperwork that they are taking you to court right? I kinda been expecting it. Well this afternoon this guy in a rather nice vehicle with a clip board comes banging on my house. The front door, my windows, pretty much anywhere he could find to bang. Mind you I am on the phone with a customer. I was thinking what in the hell is going on. You would swore my house was on fire and he was warning us to get the heck out.

So, I tried to distract my customer and finish my call but I couldn't just put them on hold to go tend to company. I am thinking gessssh.

So I guess this guy will come back tomorrow. Hopefully I am not on the clock and go get the door. Do I just accept the paperwork and tell him thanks? I dunno what to say.

I have been trying to stall the sharks at bay until I could get the monies together. But they are relentless.

Thankfully today I found out that the job I left full time outside the home that I could have 25% of my 401k . Kinda upset that I have to give it up. Its around $2000.oo not alot but definitely on my way to saving for retirement. However, I only get that if I rollover. If I cash it out I only get $795.oo which is 5.oo short of my entire filing fees. So, with that being said and now being almost poor as poor can be because I am not making the same amount of monies I was do you agree I should just cash out and file? I mean can they bring that be used against me in some way?

I also want to say Thank You!! You guys are a wealth of information. I wish I had found this site years ago. I might have filed sooner. But I do believe everything is within its own time.

[BKTango]

I'm not sure about where you live but where I live, they have or take 2 chances to serve you, if they can't serve you by then they usually leave a notice on your door. You then have to track them down. I went through this and with one creditor it took me 2 weeks just to find the servers they hired to get the papers. Your time starts ticking from the date you get served, now in our case with that one it started the date of their last attempt. I also noticed on the first page of one of our served papers that it was worded in a way that even if they couldn't locate you the suit still went through the courts. All you will do when you get served is sign a piece of paper and make sure it has that days date on it. You are not doing yourself any favors really by not answering the door, you want to have as much time as possible to prepare your answer. You usually have 20 days. In our case we answered and notated in the answer we were in the process of filing bankruptcy. If you wait to file until after a cmpany has already received a judgement against you, then you will later on have to petition the court to vacate that judgement however it will already be on your credit report. It would be easier in the long run for you to try to file as soon as you possibly can.

[IvoryAngel]

I am in Oklahoma City, and you are right I agree with you and have no problem excepting the paper work from him etc. But, reguardless I was on the clock at work <even tho from home> when he came. I am hoping that when he comes today I will be able to get with him. I guess I will have to wait and find out.