Crap One raises the white flag for now.

[jacko]

Got a one page letter from the Crap One law firm that sued and got a judgment against me. They are pleading for a settlement for 30% or payment arrangements. They are suggesting that I use my tax refund towards the debt. I have until April 15 to decide. Yea, I already made my decision.

Finally, they peaked in to my credit report last month which is a replica of the Battle of Algiers, with many of the dead on the battlefield. If they looked before, they would of not spent hundreds of dollars in collection efforts.

[treehugger1]

Somehow, I'm not sure checking your CR has any effect on a decision to sue. I have also been sued by C1 and the legal firm pulled my train-wreck of a credit report. I can only surmise that the legal firm must be paid by the hour and not working on a percentage.

[jacko]

The weird part about this, is that I sent the debtor exam(current checking #) via unregistered mail and apparently they never received it. On two occasions after wards, they sent me notice that they seized my since two closed checking accounts and that I had 20 days to claim exemption.

My state is a creditor friendly one. Once judgment is granted the creditor can directly demand a debtor exam response with out coming directly from the court. However, I did not know at the time I could blow their debt exam off and not respond unless they spent more dough with the court ordering my compliance. Since my initial response never got to them, I was never summoned to answer.

[AngelinaCatHub]

Cool about the credit exam. What state are you in? Will you bk 7? With a little more effort, you can get that Judgment set aside. 'Hub

[jacko]

Minnesota. I will eventually file at some point. Would like to have a FT employment with health insurance before I pull the BK level

Cool about the credit exam. What state are you in? Will you bk 7? With a little more effort, you can get that Judgment set aside. 'Hub