Debt Collection

They should not be calling repeatedly during the day, nor at unreasonable times. If they keep calling in one single day, then it's a form of creditor harassment, you should keep notes of the time of each call and who you spoke to, and complain to the creditor or a professional body.

There's many variables in your question. But assuming they have a judgment (again with the variables) - it depends on your state. MA for instant, is 20 years. And with all states you're responsible for post judgment interest, court fees, attorney fees and any post judgment remedies like wage garnishment. So rather than worrying about not paying it back, do the right thing and payback the debt your signed for.

Experience: I own a collection agency.

The best way to stop foreclosure is to stop in occurring this event to happen.

You can pay the judgement, which will pay the creditor. Or, you can request to pay the creditor directly and negotiate for the judgement to be vacated (removed).

No

No

No

The wife is not directly responsible unless she is on the contract. Florida courts could rule that the spouse benefited from the debts and could be held responsible. The estate has to pay the debts before she can inherit anything.

Yes, if the spouse is living in the home or benefited from the utility use. The assets of the estate have to be used to clear all debts before anything can be distributed. That includes utility bills and credit card debts.

When a judgment is not renewed, it typically expires after a certain period, which can vary by jurisdiction, often ranging from 5 to 10 years. Once expired, the judgment can no longer be enforced, meaning the creditor loses the legal ability to collect the debt through court actions. Additionally, the debtor's credit report may reflect the judgment for a limited time, but its impact diminishes once expired. As a result, the debtor may find it easier to obtain credit after the judgment lapses.

As in all states, Missouri requires the estate to be responsible for all the debts of the deceased. That means before the estate can be settled, all debts have to be cleared. If there is not enough in the estate to cover them, there are some people who will not get paid.

Wages cannot be garnished by anyone except the courts. Organisations and individuals must apply through the courts

Yes, they can call you as many times they want if are not responding them.

Por los poderes de la tierra, por la presencia del fuego, por la inspiración del aire, por las virtudes del agua, invoco y conjuro a Pomba Gira María Padilha, por la fuerza de los corazones sagrados y de las lágrimas derramadas por amor, para que se dirija a BS donde está trayendo su espíritu ante mi AD, amarrándolo definitivamente al mío.

Que su espíritu se bañe en la esencia de mi amor y me devuelva el amor en cuádruple. Que BS jamás quiera a otra persona y que su cuerpo solo a mi AD me pertenezca. Que BS no beba, no coma, no hable, no escuche, no cante a no ser en mi presencia. Que mis grilletes lo apresen para siempre, por los poderes de esta Oración. Minhas pombas gira use su poder y aleje a BS de cualquier mujer con que el este en este momento; y si estuviera que llame mi nombre. Quiero amarrar el espíritu y cuerpo de BS ; porque lo quiero amarrado y enamorado de mi AD quiero que BS quede dependiente de mi amor, quiero verlo loco por mi AD, deseándome como si yo fuese la última persona de la faz de la tierra. Quiero su corazón prendido a mi eternamente, que en nombre de la gran Reina María Padilha florezca este sentimiento dentro de BS dejándole preso a mi AD, 24 horas por día. OH Pomba gira Reina María Padilha has de traer a BS , para mi AD, pues yo a el deseo, y lo quiero deprisa. Por tus poderes ocultos, que BS comience a amarme a mi AD a partir de este exacto instante y que el piense sólo en mi AD, como si yo fuese la única persona del mundo.

Que BS venga corriendo hacia mi, lleno de esperanzas y deseo, que BS no tenga sosiego hasta que venga a buscarme, y vuelva a mi AD. Reina María Padilha yo te imploro para que me traigas a BS . que BS me ame mucho, venga manso y como yo deseo.

Yo le agradezco a la gran Rainha María Padilha. Y prometo siempre llevar su nombre conmigo. OH! Poderosa Pomba Gira Siete Exus, quiero de vuelta mi amado BS que me entristece con su desprecio, que BS olvide y deje de una vez y por todas todos los otros amores y a los que nos quieran apartar. Que BS sea desanimado y frío con otras personas, que desanime y sea frío con todas las otras mujeres, que cualquier otra mujer que este con BS se estrese con el, pelee con el y salga inmediatamente de la vida de el y le tome enojo, odio, aversión y rabia de el y no se retracte de nada. Y que BS tome enojo, odio, aversión y rabia de cualquier otra mujer que ande con el ahora y que ellos terminen esa relación urgentemente. Que BS se sienta solo, humillado, avergonzado de todo y por todos. Que El venga a mi AD, pida mi amor y mi perdón. Oh! Linda Poderosa Pomba Gira Sete Exus, que en ese momento BS no quiera mas andar con nadie ni con sus amigos. Que quede sólo pensando en mí y pensando cómo va a hacer para HACERME FELIZ. Necesito reina, de una señal, una llamada telefónica, cualquier contacto para yo saber si BS piensa en mi y que me quiere, y me quite de esa oscuridad. Que BS hable conmigo, que sienta que me echa de menos. Usted es fuerte y poderosa, traiga a BS a mis pies, para no mas salir, y que venga Corriendo, que deje todo y a todos Y que sólo piense en mi AD. Linda Poderosa Pomba Gira Siete Exus que con su grande y fuerte poder quite todas las barreras que están impidiendo que BS ME AME LOCAMENTE y desee unirse a mi AD. Quiero mi amado, amándome y admirándome siempre. Que el no sienta mas deseos sexuales por ninguna otra persona. Que sus deseos sean sólo para mi AD, que sus pensamientos, gentilezas y bondades sean sólo para mi AD

Que BS quiera mucho de verdad que yo AD me Quede Con el. Pero además, quiero que usted, Linda Poderosa Pomba Gira Sete Exus, aleje de BS toda y cualquier otra mujer. Y Que podamos ser felices juntitos. Que el sólo sienta atracción y deseo sexual por mi AD. Que el me llame por teléfono, desde ya y a todo instante. Que sienta nostalgia por mi persona, y que sufra lejos de mi AD y no aguante mas sufrir. Quiero que el me busque hoy y ahora. Quiero oír la voz de el, pidiendo verme para quedarse conmigo y volviendo a mi AD para siempre, diciendo que me ama y que me quiere solo a mi. Gracias por el favor concedido.

Yes, if the sale price is less than you borrowed (minus any capital amount you have paid off), you are still responsible for the difference and ongoing interest on the difference. If you are in debt you should seek help from a debt adviser - there are some who will help you for free, they will be able to get the interest frozen and advise you weather you should go bankrupt to free yourself form debt.

Can a collection agency already garnishing you also levy your wages

Normally it takes 7 years for a foreclosure to expunge from your credit report. However it that meantime, paying bills early, paying more then minimum on credit card bills. Just managing your money in general. Slowly over time it will improve.

PFA Judgment Recovery, Inc is a judgment collecting firm located in the state of Missouri and has a solid reputation for being aggressive in the pursuit of debt collections. Not only is PFA Judgment Recovery, Inc able to collect in Missouri but can collect nationwide. The dedication, hard work and favorable results from the Investigators that work the cases has marked this firm as being one of the top producers in judgment collecting.

When a collection agency calls you can inform then that "x" resident no longer lives their and you wish for the calling to cease.

Otherwise, If the calling does not cease you can contact the FTC (Federal Trades Commission) and file a harassment complaint.

If all else fails and the calls continue despite your many attempts to have the calling ceased it would be in your best interest to have your phone number changed.

I am unable to pay my utilities and credit cards and was wondering when the creditors place a judgement on me if my retirement money can be taken, it would mean then not being able to pay mortgage

Liquid assets are those considered easy to liquidate. Such as savings, money market accounts and cash on hand. Non liquid assets are difficult to liquidate. Certificates of deposits are an example of a non liquid asset.

All of them! We are taking our all of our kitchen appliances when we are notified of our move out time. I bought them with my own money. The greedy banker didn't.

No, but this depends on what state you are in - If you are in CA, then the bank (or private party) will post a 3 Day Notice to vacate the home (after foreclosure) - depending on which bank, it sometimes will take them a couple days to coordinate this. On a more practical matter, they will generally offer you "cash for keys" and give you $1000-$3000 to leave within a certain time frame (7-14 days) and leave the home is "broom clean" condition. They do this because the cost of eviction and risk that the homeowner will steal things from the home or leave the home damaged is much greater then the cash for keys. If its not too late then check the details to stop or avoid foreclosure or contact some professional.

Yes, they will get in the way. Debts are the responsibility of the estate. Before anything in the estate can be distributed, the debts have to be cleared.