Trial day... Not allowed to talk to judge?

[Just Blue]

Oh that's just marvy.

And not really something you want to be bragging about...

Nope not a good thing to be hounded by debtcollectors!!

 

[Jeran]

One has to wonder if OP should follow advice from a person with VAST EXPERIENCE with not paying bills. Hum...

Oh! I just love the profile page as well!

Hey, I and my deceased wife owed a HUGE amount of debt (credit card debt, medical debt). I never paid a penny of it, to this very day.

I didn't even have to file bankruptcy.

My credit report is clean and clear. After 7 years, every negative account dropped off.

I don't even get phone calls from debt collectors anymore.

How did I do it?

I used the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and I made myself as judgment proof as possible.

Look at your state's exemptions to find out which things are exempt from creditors. In Arizona, for example, a motor vehicle exemption in the amount of $5000 for one vehicle doubles to $10,000 for a disabled person. You'd be surprised what a nice used car you can get for $10,000.

I now even have a checking account, but I am careful to never leave more than 60 days worth of Social Security Disability money in it. Social Security Disability money is safe from debt collectors as long as you don't leave more than 60 days of it in a checking account.

 

[Jeran]

Nope not a good thing to be hounded by debtcollectors!!

They don't even call me on the phone anymore.

 

[Jeran]

One could always pay ones bills as promised, lest they become entrapped by Dr. Evil.

Easier to avoid than fix.

Your posts on this thread seem to be coming a wee bit close to derailing the train just to get your point across.

For the sake of the original poster of this thread, would you tell us whether or not you are currently employed in the debt collection industry, Proserpina?

All of your posts seem to come across as the perspective of someone who works in the debt collection industry.

That seems to be your perspective.

 

[Jeran]

Perhaps this attitude is why the Judge doesn't want to "talk" to you?

The reason most of the posters on here are not being very helpful to the original poster is because most of them are debt collectors or work in that industry or look at it from that perspective.

I think it is safe to say that they do like people like me who do not pay their bills and they do not want help us.

So, just make sure to look at what they say from the perspective of the poster.

Debt collectors have a very different perspective than someone like me who is a deadbeat debtor and proud of it. I fought back against the debt collection system and I won.

All of my debts are beyond the statute of limitations for winning a lawsuit against me. All of my negative accounts are so old that they have fallen off my credit reports, so I once again have good clean credit, none of them call me on the phone anymore, and I did it all without even having to file bankruptcy.

 

[TigerD]

Hey, I and my deceased wife owed a HUGE amount of debt (credit card debt, medical debt).

I am going to regret asking this but:
What do you consider to be a "HUGE amount of debt"?

DC

 

[Proserpina]

For the sake of the original poster of this thread, would you tell us whether or not you are currently employed in the debt collection industry, Proserpina?

Nope. As in, "nope, I do not work in the debt collection industry".

All of your posts seem to come across as the perspective of someone who works in the debt collection industry.

If we replace "someone who works in the debt collection industry", with "someone who believes in honoring a promise to pay a debt", that would be accurate.

That seems to be your perspective.

C'est la vie.

 

[Proserpina]

The reason most of the posters on here are not being very helpful to the original poster is because most of them are debt collectors or work in that industry or look at it from that perspective.

I think it is safe to say that they do like people like me who do not pay their bills and they do not want help us.

So, just make sure to look at what they say from the perspective of the poster.

Debt collectors have a very different perspective than someone like me who is a deadbeat debtor and proud of it. I fought back against the debt collection system and I won.

All of my debts are beyond the statute of limitations for winning a lawsuit against me. All of my negative accounts are so old that they have fallen off my credit reports, so I once again have good clean credit, none of them call me on the phone anymore, and I did it all without even having to file bankruptcy.

Well, at least you know you're a deadbeat. That's a rarity.

 

[Jeran]

I am going to regret asking this but:
What do you consider to be a "HUGE amount of debt"?

DC

Unsecured debt from credit cards and from various doctors, St. Joseph's Hospital (in Phoenix), Insight imaging, ambulance rides, etc. $183,598.

I consider that a huge amount for an average couple.

The vast majority of it was from a futile attempt to fight cancer, and she had lost her insurance. She got sick, then got fired from her job, then lost her insurance. And then the phone calls from debt collectors began, and I fought back.

 

[Jeran]

Well, at least you know you're a deadbeat. That's a rarity.

I admit it and I am proud of it.

I fought back and I won.

 

[Jeran]

Nope. As in, "nope, I do not work in the debt collection industry".



If we replace "someone who works in the debt collection industry", with "someone who believes in honoring a promise to pay a debt", that would be accurate.



C'est la vie.

Well, you sure play the part well. If you ever lose your current job, I'll bet you would have no problem finding a job in the debt collection industry and calling people like me on the phone.

But fair warning, I will be tape recording your phone call.

I record all calls from debt collectors. And I always tell them I am recording their phone call.

 

[Proserpina]

Well, you sure play the part well. If you ever lose your current job, I'll bet you would have no problem finding a job in the debt collection industry and calling people like me on the phone.

But fair warning, I will be tape recording your phone call.

I record all calls from debt collectors. And I always tell them I am recording their phone call.

Sweety, you're not worth the cost of a free call.

But I'm getting the distinct feeling that you're doing nothing but trolling.

 

[Nellibelle]

I explained what the counterclaim was above. You are all very rude people and was only seeking some help. Don't bother replying. All you do is insult me. I followed the rules regarding the counterclaim. I contacted an attorney regarding the answer and counterclaim paperwork and it was done correctly.

All I wanted to know is why I wasn't allowed to talk to the judge. Not one person even answered that. Even if I just filed an answer and wanted to fight to win and not have it dismissed without prejudice, the court did not allow me to do that even though at the start of court the judge said if we couldn't come to a resolution, we would be able to go before the judge.

Enjoy your negative lives, being nasty on the internet behind your computers.

I agree with you that you are being disrespected here! The fact is that the plaintiff requested dismissal without prejudice--he has that right and it dismisses any counter-claim that goes with it! You have the right to file suit regarding your counter-claim which becomes another case with you as the plaintiff, if you do so!

Personally, I believe that you did everything right regarding your counterclaim, but the Plaintiff requested dismissal without prejudice and that is why the case was dismissed! Good luck to you!

 

[Proserpina]

I agree with you that you are being disrespected here! The fact is that the plaintiff requested dismissal without prejudice--he has that right and it dismisses any counter-claim that goes with it! You have the right to file suit regarding your counter-claim which becomes another case with you as the plaintiff, if you do so!

Personally, I believe that you did everything right regarding your counterclaim, but the Plaintiff requested dismissal without prejudice and that is why the case was dismissed! Good luck to you!

Ironic given your previous incarnation.

 

[TigerD]

Unsecured debt from credit cards and from various doctors, St. Joseph's Hospital (in Phoenix), Insight imaging, ambulance rides, etc. $183,598.

I consider that a huge amount for an average couple.

The vast majority of it was from a futile attempt to fight cancer, and she had lost her insurance. She got sick, then got fired from her job, then lost her insurance. And then the phone calls from debt collectors began, and I fought back.

Sorry for your loss. Cancer is tough.

It does seem ironic that her employer and insurance company created the situation and you blame the collectors. However, now I can understand the emotion that clouds your judgment. I'm sure that if I were in your place I would want to lash out as well.

$183k is a lot of money. In regards to medical costs, it isn't a great deal of money. For average debt, it is actually fairly average. Most Americans owe several multiples of their income. Hell, I'm not debt free - currently my wife and I owe more than a million including mortgages, student loans, credit cars, and other debt.

I couldn't imagine putting myself though hell to remain judgment proof just to evade a relatively small amount of debt. I would have filed Chapter 7 and then gone on to make as much as I could.

Good luck in the future. Please take care to remember that while you lashed out in pain, some people need help getting back on track - they aren't trying to punish the world for the loss of their wife.

DC