So the CC people are calling me left and right. I think I have stalled them long enough. Still don't have a job. Got my W-2 from the old job and really need that money. I am concerned because I don't know if they can get their hands on that or not. Should I have my IRS refund directly deposited in my banking account or should I do it by hand and have them send me a paper check. I was thinking about giving the CC people some money but I don't want them to get their greedy hands on what little I have coming (about $900 coming back). Any advice would be appreciated. No job, no car, no house = no assets. However I do have 3 CC that I owe about 21K on.
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Credit Card People Calling Left And Right
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Does this collection company have access to your checking account? Your refund can only be offset for past-due federal tax liability, other federal agency non-tax debts (student loans, etc.), state income tax, or alimony/child support arrears.. A CC company cannot touch your refund.. However, in certain states, a CC company can dip into your checking account, if you gave them your info or if the CC debt is through the bank you check with. I would NEVER under any circumstances give a CC company my ACH draft information and if you haven't then you should be safe to have your refund direct deposited.Disclaimer: Young, NOT Dumb.(._.) The plan: $480 monthly for 60 months at 100%. 07/12/08
Motion to Discharge: FILED!! 08/07/13
60 down/0 to go \m/(*.*)\m/ 100% complete!
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It sounds like they're just calling, so if they don't have a judgment against you, then they can't just "get" your money. Get the money deposited into your account and don't worry about it until you need to worry.
Paying them a little bit is like throwing gas on the fire.All information contained in this post is for informational and amusement purposes only.
Bankruptcy is a process, not an event.......
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Nobody can take your money without a judgment against you. You are safe for a few months at least.Well, I did. Every one of 'em. Mostly I remember the last one. The wild finish. A guy standing on a station platform in the rain with a comical look in his face because his insides have been kicked out. -Rick
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I agree with the postings above. Without a judgment they can't do squat. The IRS is the only one that can offset your tax return - although the IRS will offset on behalf of a few others, such as for past-due child support/spousal support at the request of your state, but not for a judgment otherwise.
--WilliamI am an attorney, but I am just not your attorney.
As such, any statement is not intended to create an attorney/client relationship.
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Originally posted by BKDefender View PostI agree with the postings above. Without a judgment they can't do squat. The IRS is the only one that can offset your tax return - although the IRS will offset on behalf of a few others, such as for past-due child support/spousal support at the request of your state, but not for a judgment otherwise.
--William
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Originally posted by maxwellv8670 View PostI have one question though. Why is paying them a little bit like throwing gas on the fire?
Further more if you plan on attempting to settle in the future paying little bits will lessen the chances.Chapter 7 filed December 11, 2009, 341 Meeting held on January 7, 2010
Deadline to File a Complaint: March 8, 2010
Discharged and Closed March 11, 2010
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Originally posted by spearmint View PostI thought if you owed money to the state (via a judgment) they could lay claim to any refunds you may be due by the state. Is that true?_________________________________________
Filed 5 Year Chapter 13: April 2002
Early Buy-Out: April 2006
Discharge: August 2006
"A credit card is a snake in your pocket"
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Originally posted by maxwellv8670 View PostSo the CC people are calling me left and right. I think I have stalled them long enough. Still don't have a job. Got my W-2 from the old job and really need that money. I am concerned because I don't know if they can get their hands on that or not. Should I have my IRS refund directly deposited in my banking account or should I do it by hand and have them send me a paper check. I was thinking about giving the CC people some money but I don't want them to get their greedy hands on what little I have coming (about $900 coming back). Any advice would be appreciated. No job, no car, no house = no assets. However I do have 3 CC that I owe about 21K on._________________________________________
Filed 5 Year Chapter 13: April 2002
Early Buy-Out: April 2006
Discharge: August 2006
"A credit card is a snake in your pocket"
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