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Old 03-13-2008, 10:35 PM
 
1 posts, read 7,366 times
Reputation: 10
Post What happens when I send a letter to the collection agency stating that I am "collection proof" and I can't pay my bills

Okay, you see I get bill collectors contacting me every single day throughout the entire day, and I sent them a letter stating that I am collection proof, I can't pay my bills since I don't have no income or anything and to stop further collection activity. What happens after that? Do I still need to pay my debt still? Please help me. Thanks.
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Old 03-13-2008, 10:39 PM
 
Location: Chicago
15,589 posts, read 12,243,597 times
Reputation: 1761
Pay them $5 a month each until you can get something in order. Maybe you should try bankruptcy?

My advice is get a laywer.
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Old 03-14-2008, 05:03 AM
 
Location: NE Florida
17,755 posts, read 20,831,479 times
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Quote:
Originally Posted by lpowell5623 View Post
I sent them a letter stating that I am collection proof, I can't pay my bills since I don't have no income or anything and to stop further collection activity.
The only way you are collection proof is if your only income is from SS or SSI some pensions are collection proof as is child support and you have no assets. But other than that they can still collect.
You can send them a cease & desist letter so they no longer can contact you, but that won't stop them if they should decide to pursue legal action.
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Old 03-14-2008, 05:23 AM
 
Location: Atlanta
282 posts, read 700,175 times
Reputation: 195
That is a sure fire way to get hauled into court. Karla, I am curious why you think limited income excludes one from suit? Do you have a case sample you can share? Are you speaking of a specific state statute?

You have already admitted you owe the debt to the collection company. Your letter did not state do not contact me via phone? Best bet is to reach a settlement and a payment plan with them. Depending on how large the collection is, they may test your "collection proof" in court. Times have changed and everyone is fighting tooth and nail for their debts. Another thing a judge will look at, did you create the debt knowiung you would never have the means to pay it. You will get your wages garnished.

Food for though.
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Old 03-14-2008, 05:53 AM
 
Location: NE Florida
17,755 posts, read 20,831,479 times
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I guess I should of said "judgment/garnishment proof" to be more clear.
the incomes I mentioned are garnishment proof meaning should the creditor decide to go for litigation when they can't collect they can not garnish the above forms of income.
So many creditors will not spend the time or court costs to seek a judgment when they know they can't collect.

I completely agree that he if he knows he owes the debt he should pay especially if he used the credit and there was no income to repay.
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Old 03-14-2008, 06:12 AM
 
6,586 posts, read 15,904,708 times
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Talk to a bankruptcy attorney.
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Old 03-14-2008, 06:31 AM
 
Location: Oz
2,238 posts, read 6,252,669 times
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I would assume that you are capable of working, since you mention no income (which would mean you're not getting SSI or welfare). So, get a job, and start paying the debt.

Since you incurred the debt, at least make a good faith effort to pay it back. Call your creditors, try to get them to reduce it some way, and make a payment arrangement. They're a lot more willing to work with you if you actually make an attempt rather than if you run away from it.
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Old 03-14-2008, 10:36 AM
 
Location: home state of Myrtle Beach!
5,462 posts, read 9,794,160 times
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Quote:
Originally Posted by RoaminRed View Post
I would assume that you are capable of working, since you mention no income (which would mean you're not getting SSI or welfare). So, get a job, and start paying the debt.

Since you incurred the debt, at least make a good faith effort to pay it back. Call your creditors, try to get them to reduce it some way, and make a payment arrangement. They're a lot more willing to work with you if you actually make an attempt rather than if you run away from it.
Nothing in the post suggests the OP is capable of working but I can tell you from experience that it is possible to "run away" as you mention above. Don't answer your phone and get rid of voicemail. If you win powerball you can then pay your debt. Thats my plan.
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Old 03-14-2008, 11:41 AM
 
Location: Hampton Roads, Virginia
1,123 posts, read 3,381,704 times
Reputation: 617
I guess my suggestion is to find some type of work and pay your bills. If you 'cannot' work, there must be ways to make money anyway by using your computer.

Either that or sell the computer and stop the internet in order to pay bills
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Old 03-14-2008, 11:43 AM
 
Location: Great State of Texas
72,972 posts, read 33,017,775 times
Reputation: 17300
There is no free lunch. You took on debt that should be repaid. Get a job at the Wallymart and send in what you can. Work out a payment schedule.
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