Threat of judgment by Auto Lender
Phone threat of judgment from former Auto Lender
Hello,
I just graduated from college, and now I live back home in Denver, Colorado. While I was in college in the Fall of 2007, I was approved for a new car, and had a job at my university in Oklahoma. However, when I graduated and came back home to Denver from out of state, it took me 16 months to find a job. In March of 2008 my car was repossessed, and I gave the Auto Loan lender my new address and information in Denver. The Auto Loan lender never sent me any type of correspondence, and as of March 2009 I finally received a call from them that if I didn't come up with at least a $1000.00 that they would seek a judgment against me. I just got my first job out of college two weeks ago and I'm only making $16,800 this year. Was that phone threat just a scare tactic or not? And if they do try to put a judgment against me, is there anyway I can prolong the process until I can get a bankruptcy? I tried to get a bankruptcy, but I paid my school off this year a small amount, and according to the bankruptcy law I have to wait 90 days from the date of paying off my school to file for a bankruptcy, because I gave a preference to another creditor. So is there any way to tie up the judgment in litigation until I can get a bankruptcy? I just don't want to settle for wage garnishment or my tax returns being taken? I'm just starting to get on my feet and paying my student loans. If you could give me any information I would greatly appreciate it. Thanks!
Answer:
Your problem is that you are thinking in the same old ways that most folks have been trained to think. Run to the bankruptcy courts to avoid a judgment. Bankruptcy never was a good option, a terrible option in fact, but historically people have had no other options. Things have changed drastically now and people are fighting back instead of running to the bankruptcy courts and they are winning. Today those who fight back are winning and those who give up or run to the bankruptcy courts are losing. We are a company that can keep creditors from being successful with their old tricks of garnishing wages, taking vehicles and real estate and even going to homes and taking their possessions to sell to satisfy the debt. That can all be stopped now and judgment, garnishment or not they can take nothing at all. Today, people are learning how to make them pay you to go away and leave them alone. In other words, people are making their creditors and debt collectors and their lawyers do the paying instead of the other way around. There are more than 500 federal cases filed against debt collectors and attorneys every month and the average settlement is about $3800. People are learning how to win and keep the debt collectors from ever collecting a dime no matter what they do. We protect their wages and all other assets. You can win against this lender. And why should you pay for something you will never own or get any benefit from? They got the car and the payments you made. That should be good enough for them and if it isn't, tough.
And that is the attitude you need to adopt. So what are you going to do? Knuckle under and let them take you for a ride or learn how to fight back? It is up to you. Just tell me what you want to do and we will go from there. Want to learn how to protect your wages and other assets? Call us at (302) 360-8448 and lets get started on the road to total protection instead of bankruptcy.
---------- FOLLOW-UP ----------
You are absolutely right. I refuse to knuckle under and let them take me for a ride. I will not take the coward’s way out via bankruptcy. I want to fight back! What should I do?
Answer:
Since you have not been sued yet I'd say your first step is to get protection against garnishment in place. Of course,judgments and garnishments are the last thing any of us want but when it is obvious that it is going to happen sooner or later then we should get some protection in place. Protection against garnishment works something like the way anti-snake bite medicine works. The vaccine is made from a killed version the snake venom itself. Flu vaccine is made that way too. Doctors make you sick first in order to cure the sickness. Sounds crazy but it works great. That's about the way garnishment protection works. Get it ready to go because you will soon be needing it. They will sue you for the deficiency balance, they will win in local court and they will get a garnishment. Next you need to worry about how to get rid of that garnishment and judgment. That can best be done by learning all you can about FDCPA and FCRA, how they violate those laws almost without fail and how to sue them in federal court for those violations. Since we know that there are over 500 federal lawsuits against debt collectors every month and also that the average settlement is about $3800 you will most likely need to sue them more than once to come out on top. Learn how do that once then doing it again is a piece of cake. Make them pay you to go away and leave them alone and your problems are solved. So to get the garnishment protection in place call (302) 360-8448 and you can email me at ceo@creditwrench.com and I can get you started learning how to make them pay you to go away and leave them alone.
Hello,
I just graduated from college, and now I live back home in Denver, Colorado. While I was in college in the Fall of 2007, I was approved for a new car, and had a job at my university in Oklahoma. However, when I graduated and came back home to Denver from out of state, it took me 16 months to find a job. In March of 2008 my car was repossessed, and I gave the Auto Loan lender my new address and information in Denver. The Auto Loan lender never sent me any type of correspondence, and as of March 2009 I finally received a call from them that if I didn't come up with at least a $1000.00 that they would seek a judgment against me. I just got my first job out of college two weeks ago and I'm only making $16,800 this year. Was that phone threat just a scare tactic or not? And if they do try to put a judgment against me, is there anyway I can prolong the process until I can get a bankruptcy? I tried to get a bankruptcy, but I paid my school off this year a small amount, and according to the bankruptcy law I have to wait 90 days from the date of paying off my school to file for a bankruptcy, because I gave a preference to another creditor. So is there any way to tie up the judgment in litigation until I can get a bankruptcy? I just don't want to settle for wage garnishment or my tax returns being taken? I'm just starting to get on my feet and paying my student loans. If you could give me any information I would greatly appreciate it. Thanks!
Answer:
Your problem is that you are thinking in the same old ways that most folks have been trained to think. Run to the bankruptcy courts to avoid a judgment. Bankruptcy never was a good option, a terrible option in fact, but historically people have had no other options. Things have changed drastically now and people are fighting back instead of running to the bankruptcy courts and they are winning. Today those who fight back are winning and those who give up or run to the bankruptcy courts are losing. We are a company that can keep creditors from being successful with their old tricks of garnishing wages, taking vehicles and real estate and even going to homes and taking their possessions to sell to satisfy the debt. That can all be stopped now and judgment, garnishment or not they can take nothing at all. Today, people are learning how to make them pay you to go away and leave them alone. In other words, people are making their creditors and debt collectors and their lawyers do the paying instead of the other way around. There are more than 500 federal cases filed against debt collectors and attorneys every month and the average settlement is about $3800. People are learning how to win and keep the debt collectors from ever collecting a dime no matter what they do. We protect their wages and all other assets. You can win against this lender. And why should you pay for something you will never own or get any benefit from? They got the car and the payments you made. That should be good enough for them and if it isn't, tough.
And that is the attitude you need to adopt. So what are you going to do? Knuckle under and let them take you for a ride or learn how to fight back? It is up to you. Just tell me what you want to do and we will go from there. Want to learn how to protect your wages and other assets? Call us at (302) 360-8448 and lets get started on the road to total protection instead of bankruptcy.
---------- FOLLOW-UP ----------
You are absolutely right. I refuse to knuckle under and let them take me for a ride. I will not take the coward’s way out via bankruptcy. I want to fight back! What should I do?
Answer:
Since you have not been sued yet I'd say your first step is to get protection against garnishment in place. Of course,judgments and garnishments are the last thing any of us want but when it is obvious that it is going to happen sooner or later then we should get some protection in place. Protection against garnishment works something like the way anti-snake bite medicine works. The vaccine is made from a killed version the snake venom itself. Flu vaccine is made that way too. Doctors make you sick first in order to cure the sickness. Sounds crazy but it works great. That's about the way garnishment protection works. Get it ready to go because you will soon be needing it. They will sue you for the deficiency balance, they will win in local court and they will get a garnishment. Next you need to worry about how to get rid of that garnishment and judgment. That can best be done by learning all you can about FDCPA and FCRA, how they violate those laws almost without fail and how to sue them in federal court for those violations. Since we know that there are over 500 federal lawsuits against debt collectors every month and also that the average settlement is about $3800 you will most likely need to sue them more than once to come out on top. Learn how do that once then doing it again is a piece of cake. Make them pay you to go away and leave them alone and your problems are solved. So to get the garnishment protection in place call (302) 360-8448 and you can email me at ceo@creditwrench.com and I can get you started learning how to make them pay you to go away and leave them alone.
posted by TAR at
9:12 PM
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