Motorcycle as a second vehicle?

[GoingDown]

I think Singfast means you won't be able to buy property on CREDIT............ you can always pay CASH!!! But if you have an judgements against you a LIEN WILL BE ATTACHED TO IT LICKEY SPLIT!!!!!

Yes there may be a SOL, and some credit card companies will not sue for under a certain amount (too expensive on their part).... and these will evaporate after the SOL.

But the others (big amounts) - yes the cc companies will get a judgement and they will have it filed and ready to go in case you purchase property, etc.

And yes your credit and credit report WILL SUCK if you decided to wait out the SOL....... and that would put you in a position where you couldn't buy anything on credit either.



So if your brave enough to forget about your bills, and bank your odds on the SOL..... PLAN ON DEALING IN CASH ALL YOU LIFE............

This is something I have wondered about. After a creditor gets a judgment against me, how does the creditor find out whether I have any assets to put a lien on, and how do they find out about any possible wages to garnish? How do they get this information?

[no_it_all]

This is an example of the garbage that is floating around here that I corrected:
1. You can't buy property in the county you have a judgement in.
2. "Credit Investigators" can add a judgement to your credit report
3. You can expense more than two vehicles on the Means Test
4. Accounts can stay on your report for what was it? Forty years!
5. If you are over the median monthly income for your state, you "automatically" are not allowed to file Chapter 7
6. If you have a judgement you have to deal in cash the rest of your life unless you satisfy that judgement.
7. Unsecured credit card debt almost "always" ends up in as a garnishement of wages if not paid.
8. Utilizing the Statute Of Limitations law is illegal and unethical, but going BK is da bomb!

I could go on and on and on but I <think> most intelligent people get the idea. Hey, don't shoot the messenger, I am just telling you how it is!

[Minnymouth]

Usually creditors that have gone to the trouble to get a judgement against you will check the courthouse periodically to see if you have purchased any property. This would include land, businesses, auto, etc... to which they can attach a lien too...

Also a lot of time the credit bureau will have your last place of employment listed for creditors to garnish wages...

May take them a little while to find ya - but they usually do...

I'm sure they have other sources we are unaware of....

[no_it_all]

This is something I have wondered about. After a creditor gets a judgment against me, how does the creditor find out whether I have any assets to put a lien on, and how do they find out about any possible wages to garnish? How do they get this information?

Good point..maybe that is why something like 75-80 percent of judgements are never collected! A good idea would to pretend you are trying to enforce a judgement and root around using google. There are a few good sites (professional) that will explain what they can do for you and how they go about uncovering assests. Note that wage garnishments, $$ in savings, any liquid assest is considered low hanging fruit and will be picked easily.

[Minnymouth]

NO-it-all,

Do not take phrases out of context and "reword them" to suit your needs.

If you disagree with a subject, state your disagreement - but DO NOT REWORD what someone else has said to suit your own needs. You can take anything that someone says and reword it and make it mean something else.

If someone is WRONG in what they say on this forum, others will normally correct them and it is discussed.
If an answer cannot be found, the subject is researched until we do find an answer.

JUST BECAUSE you say "it ain't so" - doesn't mean YOUR RIGHT!!!

Often old laws and new laws are entirely different in both Chapters of bankruptcy. Sometimes when answering a question we will be answering it covering the new laws and the person filed under the old laws. Entirely different scenario.

We on this forum DO NOT DILIBERATELY lead anyone in the wrong direction concerning bankruptcy, nor do we try to confuse them.

AND I SUGGEST THAT YOU DON'T EITHER.....

As I said before, no one on this forum claims to be legal experts or attorneys.

Anything discussed on this forum, should also be discussed with your attorney before you file bankruptcy.

Our forum deals a lot with the anxiety, feelings, fears, day to day experience of filing bankruptcy, what can happen in bankruptcy, and how it affects our lives, and our families.

We leave the LEGAL ADVICE TO THE ATTORNEYS..... DECISIONS TO THE COURTS.

I suggest you do also!

Suggestions, comments, opinions are always welcome on this forum.

You may be a very well educated, smart, knowledgable individual with lots of information to offer people on this forum.

BUT NOT MANY are going to be interested in listening to someone who is RUDE, IRRITATING, OBNOXIOUS, AND THINKS HE KNOWS IT ALL!!

INSULTS, ARROGANCE AND A SNOTTY ATTITUDE WILL NOT BE TOLERATED ANY LONGER!!

[no_it_all]

INSULTS, ARROGANCE AND A SNOTTY ATTITUDE WILL NOT BE TOLERATED ANY LONGER!!

You TOAD,................ READ!!

In short, shut up until you can practice what you preach. Show proof or shut the hell up.

Why don't you just SHUT THE HELL UP AND STAY AWAY!!!

some idiot like you didn't do their job right the first time.

you who are mis-informed, and blind, and stupid

you are a liar.

an "educated IDIOT.

I am really sorry I messed up your tea party! But as a service to others I am compelled to call ANYONE out that gives wrong information!! I really don't care if they have a thousand posts or they are an administrator or moderator, a post that is full of mis-information MUST be taken to task! BTW, please find ONE post that I mis-quoted someone on (hard to do, since they were cut and paste) and ONE post where I used language ANYWHERE similar to that which was directed to me...What is that??? YOU CAN'T !!! OMG'd looks like I really do No_it_all...the proof they say, is in the puddin' Have a GREAT day ya'all

[SinkingFast]

CCS did have a Judgement listed against us in our Credit Reports. I have their original letter of apology for their reporting error to prove it. It's in the file along with the Court Certified Document stating the Law Suit was settled. We kinda figured if it popped out of the woodwork like that once, 8 years after the fact, it might possibly happen again.

My son was the nose guard on his State Championship High School football team. And yes there are guys who can dribble a football. I've seen it done.

We just ran our Credit Reports and there were accounts on there that I couldn't remember having from before Hubby and I got married 25 years ago. I don't know about 40 years. I haven't personally had credit for 40 years. But, both Hubby and I have accts on our Credit Reports from 30 years ago. I believe Minny has said she has accts from over 40 years ago on her Credit Reports.

no_it_all spouts from an "I've read it/learned it" perspective, rather than an "I've lived it in the real world" perspective.

Lost is right in that you can discharge the Debts from certain types of Judgements thru BK, while other types of Judgements are not dischargeable. But, any Judgement will physically, legally have to be removed at the Court House, most probably by an attny. You may be able to go to the Court House with your BK docs and get it removed yourself. But, it will have to be physically, legally removed, or the word Judgement will continue to show up in your Credit Reports.

[no_it_all]

This is something I have wondered about. After a creditor gets a judgment against me, how does the creditor find out whether I have any assets to put a lien on, and how do they find out about any possible wages to garnish? How do they get this information?

This is kinda scary..Yeah, Judgements are BAD things!! Note this was lifted from the Oregon state web site, you may want to root around in your home state to see what they say. BTW, here is a tip when rooting around the internet. If the site you are on has a bunch of ads for cell phones, annoying pop ups telling you that you won a new XBOX 360 or IPod it <probably> is not a good source of accurate information..try to stick with domains that have dot org or dot gov...

Judgment Debtor Exam
If your creditor doesn't know how to find your property, bank account or employer, or does not know what your property is worth, the creditor can get a court order that requires you to appear in court to give them that information. You may be able to fill out a questionnaire about your financial situation instead of going to court. Ask the creditor about this if you get served with papers for a judgment debtor exam.

At the court hearing, the creditor will ask about your income and any property you own. Although you cannot be sent to jail for failing to pay debts or judgments for consumer debts, you can be arrested and brought before a judge for failure to show up for a judgment debtor examination.

[LostOne0069]

I am really sorry I messed up your tea party! But as a service to others I am compelled to call ANYONE out that gives wrong information!! I really don't care if they have a thousand posts or they are an administrator or moderator, a post that is full of mis-information MUST be taken to task! BTW, please find ONE post that I mis-quoted someone on (hard to do, since they were cut and paste) and ONE post where I used language ANYWHERE similar to that which was directed to me...What is that??? YOU CAN'T !!! OMG'd looks like I really do No_it_all...the proof they say, is in the puddin' Have a GREAT day ya'all

No one asked you for your "service". Especially since your "facts" have no more validity than the "facts" that everyone else is talking about. You put yourself forward as knowing everything there is to know about this subject but the only "proof" you give is "this is what _I_ did" or "_I_ haven't ever seen that".

This forum is about helping others with their questions about bankruptcy. You have not made any attempt to do this. You have spent all of your time telling people that they don't know what they're talking about.

Would you care to give your verifiable credentials that would give us a reason to believe that you know what you're talking about?

We don't mind people pointing out our mistakes... as long as you have more than "because I said so" to back yourself up with. Many of us will post our opinion or experience... but most of the time we also post a disclaimer and advise them to talk to a lawyer. Just read through the posts in this forum and you'll see the phrase "You should check with an attorney" or "I'm not a lawyer but...." and "only way to tell for sure is to check with a lawyer".

If you really do know a lot about the laws and feel "compelled" to help, then stop being a jerk and start actually trying to help.

[LostOne0069]

This is kinda scary..Yeah, Judgements are BAD things!! Note this was lifted from the Oregon state web site, you may want to root around in your home state to see what they say. BTW, here is a tip when rooting around the internet. If the site you are on has a bunch of ads for cell phones, annoying pop ups telling you that you won a new XBOX 360 or IPod it <probably> is not a good source of accurate information..try to stick with domains that have dot org or dot gov...

Judgment Debtor Exam
If your creditor doesn't know how to find your property, bank account or employer, or does not know what your property is worth, the creditor can get a court order that requires you to appear in court to give them that information. You may be able to fill out a questionnaire about your financial situation instead of going to court. Ask the creditor about this if you get served with papers for a judgment debtor exam.

At the court hearing, the creditor will ask about your income and any property you own. Although you cannot be sent to jail for failing to pay debts or judgments for consumer debts, you can be arrested and brought before a judge for failure to show up for a judgment debtor examination.

Wait a minute!

Are you actually admitting that you CAN get a judgement against you and that creditors CAN use them to cause you problems?

Careful NIA, This post actually looks to be helpful and informative... if still a bit snide.

[no_it_all]

Sure you can get a judgement! That is credit collections 101, knew that in third grade! You just don't get them very often for unsecured credit card debt!!!

[SinkingFast]

Word