Comments on: How to Hide From Debt Collection, the Debt Collector, and Creditors http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector Free debt help and debt advice on how to get out of debt, getting out of debt consolidation scams, and inside information on the debt relief and debt help industry. Fri, 25 May 2012 02:12:00 +0000 hourly 1 http://wordpress.org/?v=3.3.2 By: Carol http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-94638 Carol Fri, 02 Mar 2012 00:28:00 +0000 http://getoutofdebt.org/?p=2497#comment-94638 Is it legal/lawful for a Post Office employee to serve legal papers to a boxholder?  My P O Box has been blocked, and I have been denied access since Feb 12, 2012.  I have had that box & its predecessors since 1971. Early in the week of Feb 6th, there was an application for PO Box in my box, wanting me to fill out address, and phone #. I typed up a list of questions as to why they wanted this, and put it back in the box.  Then the box was blocked  I believe this is because of the Discover lawyer.  The Post Office is adamant about me coming in with their form, then they would unblock the box, and give me my mail.  I think they are intending to serve me with legal papers for the debt collector lawyer.   I have been fighting Discover since January 2011 over a credit card account I discharged in Oct 2010 in full, with a Letter of Credit, which they never returned to me.  Therefore, under UCC 3-603, that means the debt was discharged. The lawyer never actually validated the debt, nor would he answer any of my questions about it. A process server showed up at my home address, and was turned away because she did not ask for me.  She stuck the papers in the door handle.  My Authorized Representative retrieved them, called the law firm the next day and told them I don't live there now. All correspondence with Discover and the lawyer had been to the Post Office Box. So I feel the reason for the mess with the PO Box is because of the lawyer.  I filed a written complaint with the Postmaster, but they won't answer any of my questions. Is there any action I can take against the Post Office, or the person who authorized the blocking of my box?  The box rent is paid through the end of March 2012. Sorry this is so long. Thanks. Is it legal/lawful for a Post Office employee to serve legal papers to a boxholder?  My P O Box has been blocked, and I have been denied access since Feb 12, 2012.  I have had that box & its predecessors since 1971. Early in the week of Feb 6th, there was an application for PO Box in my box, wanting me to fill out address, and phone #. I typed up a list of questions as to why they wanted this, and put it back in the box.  Then the box was blocked  I believe this is because of the Discover lawyer.  The Post Office is adamant about me coming in with their form, then they would unblock the box, and give me my mail.  I think they are intending to serve me with legal papers for the debt collector lawyer.   I have been fighting Discover since January 2011 over a credit card account I discharged in Oct 2010 in full, with a Letter of Credit, which they never returned to me.  Therefore, under UCC 3-603, that means the debt was discharged.

The lawyer never actually validated the debt, nor would he answer any of my questions about it.

A process server showed up at my home address, and was turned away because she did not ask for me.  She stuck the papers in the door handle.  My Authorized Representative retrieved them, called the law firm the next day and told them I don’t live there now.

All correspondence with Discover and the lawyer had been to the Post Office Box. So I feel the reason for the mess with the PO Box is because of the lawyer.  I filed a written complaint with the Postmaster, but they won’t answer any of my questions.

Is there any action I can take against the Post Office, or the person who authorized the blocking of my box?  The box rent is paid through the end of March 2012.

Sorry this is so long. Thanks.

]]> By: Ajskalla http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-91190 Ajskalla Wed, 23 Nov 2011 01:00:00 +0000 http://getoutofdebt.org/?p=2497#comment-91190 my bad 20% of 30,000.00 is $6000 but still an awesome deal my bad 20% of 30,000.00 is $6000 but still an awesome deal

]]> By: Ajskalla http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-91189 Ajskalla Wed, 23 Nov 2011 00:54:00 +0000 http://getoutofdebt.org/?p=2497#comment-91189 I have been a debt collector  for a 3rd party collection company for about a year. We only collect credit card debt.  I would talk to the collections company, right off bat they can cut that in half 50% leaving you $15,000.00 in debt, but if you are unemployed, diasabled or stuggling to put kids in college having medical problems they can get u qualified for a hardship settlement which only takes a day or even 5 minutes, this can bring it down 20% $3000.00 and if you can't come up with the $3000.00 all at once negotiate them into splitting it up into 2 to 3 payments your debt will be solved. the most frustrating thing is when I cannot get consumers on the phone when I can really help them out of debt what ever this article says is bs real experience. What ever you do stay away from credit counseling its bs they are only ripping you off for things you can negotiate or qualify you for on your own. I have been a debt collector  for a 3rd party collection company for about a year. We only collect credit card debt.  I would talk to the collections company, right off bat they can cut that in half 50% leaving you $15,000.00 in debt, but if you are unemployed, diasabled or stuggling to put kids in college having medical problems they can get u qualified for a hardship settlement which only takes a day or even 5 minutes, this can bring it down 20% $3000.00 and if you can’t come up with the $3000.00 all at once negotiate them into splitting it up into 2 to 3 payments your debt will be solved. the most frustrating thing is when I cannot get consumers on the phone when I can really help them out of debt what ever this article says is bs real experience. What ever you do stay away from credit counseling its bs they are only ripping you off for things you can negotiate or qualify you for on your own.

]]> By: Tl_angel444 http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-30357 Tl_angel444 Mon, 07 Feb 2011 04:20:01 +0000 http://getoutofdebt.org/?p=2497#comment-30357 I used to work for a Canadian Company that deals with Debt collection in the U.S. It was amazing to me how easy a Debtor could escape from having to pay their debt. The first thing that you do is check something called "Choice of Law" - they are the new state provisions with regards to statutes in the United States. Take for instance, if you have a Chase account and you live in Ohio, the account is statute barred 3 years after the last payment date. The creditor or the collection CANNOT touch you after that and they have to immediately close all accounts. Also, never make a payment because if you do, that is what the statute date is calculated from. The other thing to do is never have any assets in your name because if you do, you will automatically be taken to court at some point because once we get a judgment, then we can put a lien on your property. The best thing to do, especially if you have a judgment against you is to move to another state. The collection agency will have to find you first and then order an Exemplified Judgment to transfer over to the new state and if you are going to move, move to a state that has a short statute. You can go to <a href="http://EarthClassMail.com" rel="nofollow">EarthClassMail.com</a> and get a ficticious address in another state and then make sure you let the Credit Bureau and all your existing creditors know that you still have accounts with. They will get the mail and forward it on to you. You want to make it look like you live in another city and they will have to move your file at the lawyers firm over to the new state. This all costs money and realistically, the collection agency wont spend money on an account to sue if they are not going to recover much. Also, always tell a collection agency that you have had a brain injury and you are not able to ever work and then change you number often and move around often. They can only send to trace every 6 months. Do that until the statue runs out. :-) I used to work for a Canadian Company that deals with Debt collection in the U.S. It was amazing to me how easy a Debtor could escape from having to pay their debt. The first thing that you do is check something called “Choice of Law” – they are the new state provisions with regards to statutes in the United States. Take for instance, if you have a Chase account and you live in Ohio, the account is statute barred 3 years after the last payment date. The creditor or the collection CANNOT touch you after that and they have to immediately close all accounts. Also, never make a payment because if you do, that is what the statute date is calculated from. The other thing to do is never have any assets in your name because if you do, you will automatically be taken to court at some point because once we get a judgment, then we can put a lien on your property. The best thing to do, especially if you have a judgment against you is to move to another state. The collection agency will have to find you first and then order an Exemplified Judgment to transfer over to the new state and if you are going to move, move to a state that has a short statute. You can go to EarthClassMail.com and get a ficticious address in another state and then make sure you let the Credit Bureau and all your existing creditors know that you still have accounts with. They will get the mail and forward it on to you. You want to make it look like you live in another city and they will have to move your file at the lawyers firm over to the new state. This all costs money and realistically, the collection agency wont spend money on an account to sue if they are not going to recover much. Also, always tell a collection agency that you have had a brain injury and you are not able to ever work and then change you number often and move around often. They can only send to trace every 6 months. Do that until the statue runs out. :-)

]]> By: Tl_angel444 http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-82576 Tl_angel444 Mon, 07 Feb 2011 04:20:00 +0000 http://getoutofdebt.org/?p=2497#comment-82576 I used to work for a Canadian Company that deals with Debt collection in the U.S. It was amazing to me how easy a Debtor could escape from having to pay their debt. The first thing that you do is check something called "Choice of Law" - they are the new state provisions with regards to statutes in the United States. Take for instance, if you have a Chase account and you live in Ohio, the account is statute barred 3 years after the last payment date. The creditor or the collection CANNOT touch you after that and they have to immediately close all accounts. Also, never make a payment because if you do, that is what the statute date is calculated from. The other thing to do is never have any assets in your name because if you do, you will automatically be taken to court at some point because once we get a judgment, then we can put a lien on your property. The best thing to do, especially if you have a judgment against you is to move to another state. The collection agency will have to find you first and then order an Exemplified Judgment to transfer over to the new state and if you are going to move, move to a state that has a short statute. You can go to EarthClassMail.com and get a ficticious address in another state and then make sure you let the Credit Bureau and all your existing creditors know that you still have accounts with. They will get the mail and forward it on to you. You want to make it look like you live in another city and they will have to move your file at the lawyers firm over to the new state. This all costs money and realistically, the collection agency wont spend money on an account to sue if they are not going to recover much. Also, always tell a collection agency that you have had a brain injury and you are not able to ever work and then change you number often and move around often. They can only send to trace every 6 months. Do that until the statue runs out. :-) I used to work for a Canadian Company that deals with Debt collection in the U.S. It was amazing to me how easy a Debtor could escape from having to pay their debt. The first thing that you do is check something called “Choice of Law” – they are the new state provisions with regards to statutes in the United States. Take for instance, if you have a Chase account and you live in Ohio, the account is statute barred 3 years after the last payment date. The creditor or the collection CANNOT touch you after that and they have to immediately close all accounts. Also, never make a payment because if you do, that is what the statute date is calculated from. The other thing to do is never have any assets in your name because if you do, you will automatically be taken to court at some point because once we get a judgment, then we can put a lien on your property. The best thing to do, especially if you have a judgment against you is to move to another state. The collection agency will have to find you first and then order an Exemplified Judgment to transfer over to the new state and if you are going to move, move to a state that has a short statute. You can go to EarthClassMail.com and get a ficticious address in another state and then make sure you let the Credit Bureau and all your existing creditors know that you still have accounts with. They will get the mail and forward it on to you. You want to make it look like you live in another city and they will have to move your file at the lawyers firm over to the new state. This all costs money and realistically, the collection agency wont spend money on an account to sue if they are not going to recover much. Also, always tell a collection agency that you have had a brain injury and you are not able to ever work and then change you number often and move around often. They can only send to trace every 6 months. Do that until the statue runs out. :-)

]]> By: John http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-29449 John Sat, 25 Dec 2010 05:46:42 +0000 http://getoutofdebt.org/?p=2497#comment-29449 Because I haven't been paying anything for the last two years, I can't claim the expensive in Bankruptcy. For 2011 I'm getting some health issues addressed that I had put off. Between my rent and medical bells I might be able to claim enough expensives to file bankruptcy. The system is crazy! Because I haven’t been paying anything for the last two years, I can’t claim the expensive in Bankruptcy. For 2011 I’m getting some health issues addressed that I had put off. Between my rent and medical bells I might be able to claim enough expensives to file bankruptcy. The system is crazy!

]]> By: John http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-81705 John Sat, 25 Dec 2010 05:46:00 +0000 http://getoutofdebt.org/?p=2497#comment-81705 Because I haven't been paying anything for the last two years, I can't claim the expensive in Bankruptcy. For 2011 I'm getting some health issues addressed that I had put off. Between my rent and medical bells I might be able to claim enough expensives to file bankruptcy. The system is crazy! Because I haven’t been paying anything for the last two years, I can’t claim the expensive in Bankruptcy. For 2011 I’m getting some health issues addressed that I had put off. Between my rent and medical bells I might be able to claim enough expensives to file bankruptcy. The system is crazy!

]]> By: Steve Rhode http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-28761 Steve Rhode Wed, 01 Dec 2010 17:34:46 +0000 http://getoutofdebt.org/?p=2497#comment-28761 Why not just file bankruptcy, end the debt, come out of hiding, and start living life again? Why not just file bankruptcy, end the debt, come out of hiding, and start living life again?

]]> By: Steve Rhode http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-81027 Steve Rhode Wed, 01 Dec 2010 17:34:00 +0000 http://getoutofdebt.org/?p=2497#comment-81027 Why not just file bankruptcy, end the debt, come out of hiding, and start living life again? Why not just file bankruptcy, end the debt, come out of hiding, and start living life again?

]]> By: Vcfjohn http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-28743 Vcfjohn Wed, 01 Dec 2010 06:03:17 +0000 http://getoutofdebt.org/?p=2497#comment-28743 Six more months has gone by. I'm over half way for the statue of limitation in blowing. The occasion phone calls I get I tell them only yes if they are talking to John Smith. Then they ask me the last four numbers of my Social Security Number or my middle name or where I am working at. My response would always be that I can't tell them because they are too many phishing scams out there. The phone call then ends.<br><br>Yes my consciene is bothering me. But I'm afraid if I reveal myself to only one company then dozen more would all eat me up alive. Before going into hiding I tried to come up with a payment plan with a debt company. But before it could work all of my creditors had to cooperate. That never happen and I end up over several months giving thousands of dollars for the debt company pockets. Not cent went to my creditors, It all went towards attorney fees. Six more months has gone by. I’m over half way for the statue of limitation in blowing. The occasion phone calls I get I tell them only yes if they are talking to John Smith. Then they ask me the last four numbers of my Social Security Number or my middle name or where I am working at. My response would always be that I can’t tell them because they are too many phishing scams out there. The phone call then ends.

Yes my consciene is bothering me. But I’m afraid if I reveal myself to only one company then dozen more would all eat me up alive. Before going into hiding I tried to come up with a payment plan with a debt company. But before it could work all of my creditors had to cooperate. That never happen and I end up over several months giving thousands of dollars for the debt company pockets. Not cent went to my creditors, It all went towards attorney fees.

]]> By: Vcfjohn http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-81009 Vcfjohn Wed, 01 Dec 2010 06:03:00 +0000 http://getoutofdebt.org/?p=2497#comment-81009 Six more months has gone by. I'm over half way for the statue of limitation in blowing. The occasion phone calls I get I tell them only yes if they are talking to John Smith. Then they ask me the last four numbers of my Social Security Number or my middle name or where I am working at. My response would always be that I can't tell them because they are too many phishing scams out there. The phone call then ends. Yes my consciene is bothering me. But I'm afraid if I reveal myself to only one company then dozen more would all eat me up alive. Before going into hiding I tried to come up with a payment plan with a debt company. But before it could work all of my creditors had to cooperate. That never happen and I end up over several months giving thousands of dollars for the debt company pockets. Not cent went to my creditors, It all went towards attorney fees. Six more months has gone by. I’m over half way for the statue of limitation in blowing. The occasion phone calls I get I tell them only yes if they are talking to John Smith. Then they ask me the last four numbers of my Social Security Number or my middle name or where I am working at. My response would always be that I can’t tell them because they are too many phishing scams out there. The phone call then ends.

Yes my consciene is bothering me. But I’m afraid if I reveal myself to only one company then dozen more would all eat me up alive. Before going into hiding I tried to come up with a payment plan with a debt company. But before it could work all of my creditors had to cooperate. That never happen and I end up over several months giving thousands of dollars for the debt company pockets. Not cent went to my creditors, It all went towards attorney fees.

]]> By: Jason http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-27387 Jason Tue, 19 Oct 2010 20:37:20 +0000 http://getoutofdebt.org/?p=2497#comment-27387 Hiding is never better. The only intention of hiding from your debt is to get temporary relief. The best thing to do is seek advice from a debt professional who can explore all of your options and prevent a lawsuit or wage garnishing. Hiding is never better. The only intention of hiding from your debt is to get temporary relief. The best thing to do is seek advice from a debt professional who can explore all of your options and prevent a lawsuit or wage garnishing.

]]> By: Jason http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-79695 Jason Tue, 19 Oct 2010 20:37:00 +0000 http://getoutofdebt.org/?p=2497#comment-79695 Hiding is never better. The only intention of hiding from your debt is to get temporary relief. The best thing to do is seek advice from a debt professional who can explore all of your options and prevent a lawsuit or wage garnishing. Hiding is never better. The only intention of hiding from your debt is to get temporary relief. The best thing to do is seek advice from a debt professional who can explore all of your options and prevent a lawsuit or wage garnishing.

]]> By: Joan http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-25368 Joan Wed, 25 Aug 2010 03:20:06 +0000 http://getoutofdebt.org/?p=2497#comment-25368 Well, I moved about 2 years ago and never forwarded my address with the post office. Before moving i had a $35,000 BMW repo plus I defaulted on 20k in credit cards. I am working in a steady job, but after rent etc I can't afford to pay anyone. I haven't gotten any letters from bmw or anyone so I'm sure they haven't found me. My question is, what if they just sue me at my old address? Then one day out of the blue I find a wage garnishment or bank account levy? Perhaps having known about the lawsuit and being served etc, I could have fought it in court or at the veer least slowed it down? So the question is, is hiding better since one has no knowledge of a lawsuit? Well, I moved about 2 years ago and never forwarded my address with the post office. Before moving i had a $35,000 BMW repo plus I defaulted on 20k in credit cards.
I am working in a steady job, but after rent etc I can’t afford to pay anyone.
I haven’t gotten any letters from bmw or anyone so I’m sure they haven’t found me.
My question is, what if they just sue me at my old address? Then one day out of the blue I find a wage garnishment or bank account levy? Perhaps having known about the lawsuit and being served etc, I could have fought it in court or at the veer least slowed it down?
So the question is, is hiding better since one has no knowledge of a lawsuit?

]]> By: Steve Rhode http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-23840 Steve Rhode Tue, 20 Jul 2010 17:28:45 +0000 http://getoutofdebt.org/?p=2497#comment-23840 A cease and desist letter these days is an invitation to sue you since that's the only route the collector has after their last contact after receiving the letter. Steve A cease and desist letter these days is an invitation to sue you since that’s the only route the collector has after their last contact after receiving the letter.

Steve

]]> By: Valarie http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-23839 Valarie Tue, 20 Jul 2010 17:22:40 +0000 http://getoutofdebt.org/?p=2497#comment-23839 Won't cease and desist letters help if these are from Debt collection agencies? I understand not from the original creditor you can't but for collection agencies I thought you could send them a cease and decist letter to stop the harrassment. Thanks Valarie Won’t cease and desist letters help if these are from Debt collection agencies? I understand not from the original creditor you can’t but for collection agencies I thought you could send them a cease and decist letter to stop the harrassment. Thanks Valarie

]]> By: Bee http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-22604 Bee Wed, 09 Jun 2010 15:34:32 +0000 http://getoutofdebt.org/?p=2497#comment-22604 One trick to use is to buy some cheap calling cards from a dollar store and then make your call to the creditors. Your number will not show up. It will show another number associated with that calling card sometimes coming up as a number from another country. Very confusing for the debt collectors and very good for you if your hiding from the collectors. I've done this many times and the collection people kept asking me if I'm call from the UK or the Netherlands. I just went along with them all the time and confused the heck out of them. One trick to use is to buy some cheap calling cards from a dollar store and then make your call to the creditors. Your number will not show up. It will show another number associated with that calling card sometimes coming up as a number from another country. Very confusing for the debt collectors and very good for you if your hiding from the collectors. I’ve done this many times and the collection people kept asking me if I’m call from the UK or the Netherlands. I just went along with them all the time and confused the heck out of them.

]]> By: John http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-22278 John Wed, 26 May 2010 04:48:08 +0000 http://getoutofdebt.org/?p=2497#comment-22278 This is John again. Just recently I've been getting some phone calls from collections. It goes like this. Collections will ask is this John Smith. I will say yes. Is the last numbers of your Social Security number 5555? Or they will ask had you ever lived at this address? My reply will be this. Sir or mam I know you are probally legit but I know there is lots of phishing scams out there. Could you please request this information though the mail. I would feel more comfortable if you did. These people really don't know if they are talking to the right person and the conversation ends after I ask them to mail me. However they don't know my address or know they are taling to the right person. Because of confidentiality laws that will not ingage with me any further. This is John again. Just recently I’ve been getting some phone calls from collections. It goes like this. Collections will ask is this John Smith. I will say yes. Is the last numbers of your Social Security number 5555? Or they will ask had you ever lived at this address? My reply will be this. Sir or mam I know you are probally legit but I know there is lots of phishing scams out there. Could you please request this information though the mail. I would feel more comfortable if you did. These people really don’t know if they are talking to the right person and the conversation ends after I ask them to mail me. However they don’t know my address or know they are taling to the right person. Because of confidentiality laws that will not ingage with me any further.

]]> By: John http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-21889 John Sat, 15 May 2010 15:25:28 +0000 http://getoutofdebt.org/?p=2497#comment-21889 Tony, Every State has a statue of limitations for open end loans which credit cards are. In your search engine put your State and Statue of Limitations on collecting on credit Cards. There is a good chance if your debt is more than four years old and you have'nt made any other arrangements on this debt sense the original debt was made the Statue of limitation may had already past. Many collection agencies try to collect from bad debts that they bought from the banks and loan establishments. Tony,

Every State has a statue of limitations for open end loans which credit cards are. In your search engine put your State and Statue of Limitations on collecting on credit Cards. There is a good chance if your debt is more than four years old and you have’nt made any other arrangements on this debt sense the original debt was made the Statue of limitation may had already past. Many collection agencies try to collect from bad debts that they bought from the banks and loan establishments.

]]> By: Tony http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-20515 Tony Wed, 24 Mar 2010 05:30:50 +0000 http://getoutofdebt.org/?p=2497#comment-20515 I had an old debt for 6,000 for which I was unable to pay years ago on hard times. Well, it went to collections and they found me. They are offering options for which I can't afford either one. I don't have a lump sum to put down to pay out or can make a monthly payment higher than my own car note for a year. Is there any hope for me? Will they garnish me if I don't respond in time? (Midland Credit Mgmt)is the collector. I live in Central FL. I had an old debt for 6,000 for which I was unable to pay years ago on hard times. Well, it went to collections and they found me. They are offering options for which I can’t afford either one. I don’t have a lump sum to put down to pay out or can make a monthly payment higher than my own car note for a year. Is there any hope for me? Will they garnish me if I don’t respond in time? (Midland Credit Mgmt)is the collector. I live in Central FL.

]]> By: Steve Rhode http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-20013 Steve Rhode Tue, 02 Mar 2010 20:49:59 +0000 http://getoutofdebt.org/?p=2497#comment-20013 Fran, How about a Chapter 13 bankruptcy? Steve Fran,

How about a Chapter 13 bankruptcy?

Steve

]]> By: Fran http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-20011 Fran Tue, 02 Mar 2010 19:47:02 +0000 http://getoutofdebt.org/?p=2497#comment-20011 I need to know if I have any rights when it comes to harrassing credit collectors. I filed for bankruptcy about 6 years ago, through circumstances beyond my control, (an accident/fall) was unable to work & got behind, then was unable to ever catch up on my bills. After bankruptcy, I got back on my feet & started trying to rebuild my credit, which was going quite well,until about 1&1/2 years ago.At which time I fell into this credit card trap of low interest for "x" amt of time, encountered 2 job losses, & a severely ill child requiring much medical care, & am still unemployed. Now I'm back where I started. Unable to pay my bills, although I want to. The continued calls, the rudeness are so hard to deal with. They treat me as if I'm trash or lying to them. I finally quit talking to them, they tell me they're going to look at what they can take(assets)if I don't/can't pay. I don't have anything that they can take! What else can they do??? Please help! I need to know if I have any rights when it comes to harrassing credit collectors. I filed for bankruptcy about 6 years ago, through circumstances beyond my control, (an accident/fall) was unable to work & got behind, then was unable to ever catch up on my bills. After bankruptcy, I got back on my feet & started trying to rebuild my credit, which was going quite well,until about 1&1/2 years ago.At which time I fell into this credit card trap of low interest for “x” amt of time, encountered 2 job losses, & a severely ill child requiring much medical care, & am still unemployed. Now I’m back where I started. Unable to pay my bills, although I want to. The continued calls, the rudeness are so hard to deal with. They treat me as if I’m trash or lying to them. I finally quit talking to them, they tell me they’re going to look at what they can take(assets)if I don’t/can’t pay. I don’t have anything that they can take! What else can they do??? Please help!

]]> By: sinking http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-19507 sinking Fri, 12 Feb 2010 11:47:19 +0000 http://getoutofdebt.org/?p=2497#comment-19507 I finally admitted to myself that my previous attempts to get out of debt were getting me further in I have now cut myself off from all forms of credit got some sensible advice and am trying to self negotiate with my creditors. The problem is they are not answering my letters (with budget sheet enclosed) asking them to negotiate a plan. I get computer generated BS letters. what can I do I want to sort this out before it gets any worse. Total debt £16,000 and rising with interest and charges. thanks I finally admitted to myself that my previous attempts to get out of debt were getting me further in I have now cut myself off from all forms of credit got some sensible advice and am trying to self negotiate with my creditors. The problem is they are not answering my letters (with budget sheet enclosed) asking them to negotiate a plan. I get computer generated BS letters. what can I do I want to sort this out before it gets any worse. Total debt £16,000 and rising with interest and charges. thanks

]]> By: John http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-19269 John Wed, 03 Feb 2010 06:05:32 +0000 http://getoutofdebt.org/?p=2497#comment-19269 This is the same person who wrote this back in July. So far so good. I even had something file against me that was dismissed for reasons I don't know why. I found the court paper in my PO Box. My PO Box is coming due but I won't renew it because I don't want to give away my current address. All my important stuff like DMV, Bank Records I had changed to my current address without connecting my PO box to. I have a common name and my debt is all credit card debt, no over due taxes. My social security number is not connected to any of my debts. It will come up as a second person with my name if the credit cards companies would do a search on me. They can't reveal that they are looking for me to the second ID because of disclosure laws. This is the same person who wrote this back in July. So far so good. I even had something file against me that was dismissed for reasons I don’t know why. I found the court paper in my PO Box. My PO Box is coming due but I won’t renew it because I don’t want to give away my current address. All my important stuff like DMV, Bank Records I had changed to my current address without connecting my PO box to. I have a common name and my debt is all credit card debt, no over due taxes. My social security number is not connected to any of my debts. It will come up as a second person with my name if the credit cards companies would do a search on me. They can’t reveal that they are looking for me to the second ID because of disclosure laws.

]]> By: angelrocks http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-19267 angelrocks Wed, 03 Feb 2010 03:03:50 +0000 http://getoutofdebt.org/?p=2497#comment-19267 You can also try Magicjack as a way of getting another phone number just to give out creditors and to the credit agencies. You can also make unlimited long distance phone calls to anywhere in the US and Canada. I think it's going to be much cheaper than getting two cell phones. You can also try Magicjack as a way of getting another phone number just to give out creditors and to the credit agencies. You can also make unlimited long distance phone calls to anywhere in the US and Canada. I think it’s going to be much cheaper than getting two cell phones.

]]> By: Steve Rhode http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-17038 Steve Rhode Mon, 07 Dec 2009 19:45:39 +0000 http://getoutofdebt.org/?p=2497#comment-17038 Linda, You have to list all your assets and liabilities. Go talk to a local bankruptcy attorney and they'll answer all your questions. Steve Linda,

You have to list all your assets and liabilities. Go talk to a local bankruptcy attorney and they’ll answer all your questions.

Steve

]]> By: Linda http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-17036 Linda Mon, 07 Dec 2009 19:31:01 +0000 http://getoutofdebt.org/?p=2497#comment-17036 Even though I know my credit cards are a debt I owe, Im getting bogged down. I was doing fine, then American Express and Master Card lower my credit card limits and raised the interest rate. My credit was very good and I was showing less that the 33%, now it all gone to ............. Visa has not changed anything, which is amazing, but great. I'm age 67. Can I file bankrupsty and not file the morgage? My morgage is in Ohio, but I now live in Fl. Even though I know my credit cards are a debt I owe, Im getting bogged down. I was doing fine, then American Express and Master Card lower my credit card limits and raised the interest rate. My credit was very good and I was showing less that the 33%, now it all gone to ………….
Visa has not changed anything, which is amazing, but great.

I’m age 67. Can I file bankrupsty and not file the morgage? My morgage is in Ohio, but I now live in Fl.

]]> By: Steve Rhode http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-16694 Steve Rhode Wed, 18 Nov 2009 21:55:47 +0000 http://getoutofdebt.org/?p=2497#comment-16694 Joe, I suggest you find an attorney to discuss this with. You may want to use the <a href="http://naca.networkats.com/members_online/members/directorya.asp?token=" rel="nofollow">find an attorney section of the National Association of Consumer Advocates</a> site. Steve Joe,

I suggest you find an attorney to discuss this with. You may want to use the find an attorney section of the National Association of Consumer Advocates site.

Steve

]]> By: Joe http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-16692 Joe Wed, 18 Nov 2009 21:49:57 +0000 http://getoutofdebt.org/?p=2497#comment-16692 These tips are great but I have a question concerning the new credit laws. I am reaping the problems of a creditor taking action two years ago that is now deemed illegal. If they caused me to go to collections then and this came to trial, would it be considered illegal practices? If so then I might stop trying to run from them and just take it to court. About 8 creditors all defaulted my accounts when one went late (by their own fault!) and defaulted me as a result. No one was willing to negotiate or talk things out...just a lot of irate demands for money! Grrrr!!! Any help is appreciated! These tips are great but I have a question concerning the new credit laws. I am reaping the problems of a creditor taking action two years ago that is now deemed illegal. If they caused me to go to collections then and this came to trial, would it be considered illegal practices? If so then I might stop trying to run from them and just take it to court. About 8 creditors all defaulted my accounts when one went late (by their own fault!) and defaulted me as a result. No one was willing to negotiate or talk things out…just a lot of irate demands for money! Grrrr!!! Any help is appreciated!

]]> By: Steve Rhode http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-16652 Steve Rhode Mon, 16 Nov 2009 04:11:23 +0000 http://getoutofdebt.org/?p=2497#comment-16652 Richard, I don't know, you'd have to contact them and ask about current capabilities of check deposits. Why not just ask Social Security to direct deposit your check? Steve Richard,

I don’t know, you’d have to contact them and ask about current capabilities of check deposits. Why not just ask Social Security to direct deposit your check?

Steve

]]> By: richard http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-16651 richard Mon, 16 Nov 2009 04:08:09 +0000 http://getoutofdebt.org/?p=2497#comment-16651 ok you said i could get earth class mail. what if your mailed social security check can i cash a scanned check? ok you said i could get earth class mail. what if your mailed social security check can i cash a scanned check?

]]> By: John http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-13877 John Tue, 28 Jul 2009 06:27:26 +0000 http://getoutofdebt.org/?p=2497#comment-13877 All right here are some things I did. I knew I had to move. Before I move I got a PO Box in a different nearby city to the place where I'm moving to. I Used my current address that I was currently living. The post office requires an address where you are living when you open up a PO Box. After I had established my PO box at the post office, I moved to my new place. The forwarding address that I used is my PO Box. Now places like the DMV and banks that require my new physical address, I DID NOT GIVE out my PO Box to. This is the reason why have my PO Box is in a different city is to confuse your creditors who maybe looking for me. This is not full proof, but its been working will with me. I will never again request credit again. My credit is ruins. Even if I did it will give away my where a bouts. If someone wanted to pay a whole lot of money they could find me. However, I owe to a whole a lot of creditors, I don't owe over a few thousand to a single one. So it won't be worth for a single creditor to pay a private company to find me. All right here are some things I did. I knew I had to move. Before I move I got a PO Box in a different nearby city to the place where I’m moving to. I Used my current address that I was currently living. The post office requires an address where you are living when you open up a PO Box. After I had established my PO box at the post office, I moved to my new place. The forwarding address that I used is my PO Box. Now places like the DMV and banks that require my new physical address, I DID NOT GIVE out my PO Box to. This is the reason why have my PO Box is in a different city is to confuse your creditors who maybe looking for me.

This is not full proof, but its been working will with me. I will never again request credit again. My credit is ruins. Even if I did it will give away my where a bouts. If someone wanted to pay a whole lot of money they could find me. However, I owe to a whole a lot of creditors, I don’t owe over a few thousand to a single one. So it won’t be worth for a single creditor to pay a private company to find me.

]]> By: Jaime http://getoutofdebt.org/2497/how-to-hide-from-debt-collection-and-the-debt-collector#comment-13092 Jaime Sun, 19 Jul 2009 03:06:03 +0000 http://getoutofdebt.org/?p=2497#comment-13092 I fell on my feet a couple of years ago and decided to ignore my debt. I am about $30,000 in total debt ranging from credit lines and credit cards. I am a dual citizen of America and another country. My credit accounts were opened with my US social security number. I have one checking account under my different foreign social security number. I have also recently legally changed my name. Is this good enough to escape creditors? Can they seize my current checking account? I fell on my feet a couple of years ago and decided to ignore my debt. I am about $30,000 in total debt ranging from credit lines and credit cards. I am a dual citizen of America and another country. My credit accounts were opened with my US social security number. I have one checking account under my different foreign social security number. I have also recently legally changed my name. Is this good enough to escape creditors? Can they seize my current checking account?

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