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Looking for advice about a creditor. I think I'm being sued by a credit card company (which is a first) but I was wondering when it would happen.

I always paid bills on time but had some life events a couple years ago I'm still recovering from (ie, left husband, sis died that week, then cuz I was in hospital with her too much before she died, I lost my job, and have since reunited with husband and we're better for it now as far as having a more healthy relationship and better communication and understanding of eachother, etc.) achem, anyway...we're still just one paycheck away from homelessness and trying to recover,  and no, we're not spending money on drugs or alcohol at all--we live in the sticks of northern Mn where jobs are sparse and pay, if any, is low. I don't try not to pay bills, but am just trying not to run out of fuel oil again this winter.

So this lady says she's coming to serve me some papers today at 3pm CST and I say we were planning on going to town for supplies (which we don't do often, it's a big deal, as we live an hour from town, and gas money is a big deal) and then this morning she calls again and I say one day is a bit short notice, and I didn't say it in a rude tone...just trying to reason with her. I'm sure her job has her on the defense and offense at the same time, but she rudely says she'll tell the judge I'm not being cooperative, and she then hangs up so I can't respond.

Plans changed and I actually will be home today.

So question: should I accept the papers she is bringing to my house today, and actually sign a paper stating I received them? Or should I not answer the door and pretend we're not home? Will that delay the court date? I just need enough time to try to find a pro bono lawyer. I'm waiting for a call back from legal aid, but there's no guarantee they have resources in this small town area to help us. I would really appreciate and use any good advice on where I can find info to represent myself in a competent manner?

Btw, I don't owe more than $1k. The company she said was on the envelope was a law firm I think. I checked my credit reports, and it's not on there. I'm not sure if she's representing the original creditor or if the debt has been sold to a collection agency. She gave me a ph# to call if I want to reschedule, but I haven't done that because I wanted to research to find out my rights and best course of action to leverage my position. Would calling them be bad if I don't agree to make a payment?

Thanks in advance.

(did I put this in the right forum?)

rated:
My question pertains to liquidating gift cards on a large scale.

If you had, say, $50,000 worth of Visa/MasterCard gift cards in various denominations, how would you go about liquidating those in a quick manner?

I know about the PIN/MO method, but there has got to be other methods.

rated:
Expialidocious said:   Looking for advice about a creditor. I think I'm being sued by a credit card company (which is a first) but I was wondering when it would happen.

I always paid bills on time but had some life events a couple years ago I'm still recovering from (ie, left husband, sis died that week, then cuz I was in hospital with her too much before she died, I lost my job, and have since reunited with husband and we're better for it now as far as having a more healthy relationship and better communication and understanding of eachother, etc.) achem, anyway...we're still just one paycheck away from homelessness and trying to recover,  and no, we're not spending money on drugs or alcohol at all--we live in the sticks of northern Mn where jobs are sparse and pay, if any, is low. I don't try not to pay bills, but am just trying not to run out of fuel oil again this winter.

So this lady says she's coming to serve me some papers today at 3pm CST and I say we were planning on going to town for supplies (which we don't do often, it's a big deal, as we live an hour from town, and gas money is a big deal) and then this morning she calls again and I say one day is a bit short notice, and I didn't say it in a rude tone...just trying to reason with her. I'm sure her job has her on the defense and offense at the same time, but she rudely says she'll tell the judge I'm not being cooperative, and she then hangs up so I can't respond.

Plans changed and I actually will be home today.

So question: should I accept the papers she is bringing to my house today, and actually sign a paper stating I received them? Or should I not answer the door and pretend we're not home? Will that delay the court date? I just need enough time to try to find a pro bono lawyer. I'm waiting for a call back from legal aid, but there's no guarantee they have resources in this small town area to help us. I would really appreciate and use any good advice on where I can find info to represent myself in a competent manner?

Btw, I don't owe more than $1k. The company she said was on the envelope was a law firm I think. I checked my credit reports, and it's not on there. I'm not sure if she's representing the original creditor or if the debt has been sold to a collection agency. She gave me a ph# to call if I want to reschedule, but I haven't done that because I wanted to research to find out my rights and best course of action to leverage my position. Would calling them be bad if I don't agree to make a payment?

Thanks in advance.

(did I put this in the right forum?)
 

  let her serve you. Then worry about it. If it were me, I would not accommodate her schedule.
I'm actually surprised she's calling you. Usually if you're getting served, they just show up. perhaps it's a MN thing?
She's likely not representing anyone. IF you're getting served she probably gets contract work to serve people. She'll have no idea what's in it. She'll care if the document was served or not. You could be getting served with something completely unrelated to what you think it is right now.

If you get served, deal with it then. If it's finance related, you could create a thread here. Just remember that we're not lawyers (mostly).
If you get served because of some debt, and the debt's not on your credit report. Do some further investigation. If the debts not yours, you might be able to countersue and get your winter fuel paid for.
I would also suggest you start recording these phone calls (tell her you're recording them).
 

rated:
Thanks for responding, Batman. I think she called because it would be 2 hours out of her way if I wasn't home. (1 hr ea way). I did break down and call the # she gave and the guy works for a firm in NY and he even pointed me to the NY gov site showing they are licensed there, for whatever that's worth. He's temporarily staying the action to sue in small claims court for a $300 claim and is giving me until tomorrow to call him and pay. Ha. Not happening. He said he didn't have to tell me who his client is until he serves me. Apparently he sent me a letter at my old address, which I didn't get because I moved a year ago and although I forwarded my mail thru USPS, all mail forwarding has stopped. I think I had 30 days to respond to his letter if I wanted to request cease and desist, but I'm not sure. He said my 30 days was up a week ago. I asked if he wanted my new address and he said no, which makes me worry they would try to get judgment against me by saying they tried to serve my old address. He said it was my responsibility to notify all my creditors of my new address. Anyway, I think I know who I owed $300 to and am tempted to call them, but the NY guy said they sold the debt, so I'm not sure if it would be in my best interest to deal with the original creditor.

rated:
^^If the debt was sold, you'll likely have to deal with the agency who bought it. But like batman said... wait until you know what is in the doc to worry about it.

rated:
Yeah, I think I'll just let them serve me (but I won't sign for it--I thought servers just had to hand it to you and run, lol--maybe I watch too much TV) so I can see who owns the debt and deal with them in court, since I can't work out a deal with them right now, especially not over the phone. I will get everything in writing, from all I've read about debt collection scams. Thanks for your input. This was more than just a good sounding board experience. Mwah!

rated:
Expialidocious said:   Thanks for responding, Batman. I think she called because it would be 2 hours out of her way if I wasn't home. (1 hr ea way). I did break down and call the # she gave and the guy works for a firm in NY and he even pointed me to the NY gov site showing they are licensed there, for whatever that's worth. He's temporarily staying the action to sue in small claims court for a $300 claim and is giving me until tomorrow to call him and pay. Ha. Not happening. He said he didn't have to tell me who his client is until he serves me. Apparently he sent me a letter at my old address, which I didn't get because I moved a year ago and although I forwarded my mail thru USPS, all mail forwarding has stopped. I think I had 30 days to respond to his letter if I wanted to request cease and desist, but I'm not sure. He said my 30 days was up a week ago. I asked if he wanted my new address and he said no, which makes me worry they would try to get judgment against me by saying they tried to serve my old address. He said it was my responsibility to notify all my creditors of my new address. Anyway, I think I know who I owed $300 to and am tempted to call them, but the NY guy said they sold the debt, so I'm not sure if it would be in my best interest to deal with the original creditor.
  don't just pay. If you owe something, get validation of debt.
don't do anything without getting served.
For all you know, this could just be a scam.
start legally (http://www.aapsonline.org/judicial/telephone.htm) recording your phone calls (i'm not kidding).
If you talk to anyone again, get addresses and phone numbers (say you'll try to get a check in the mail). Send a cease and desist letter and a request for validation of debt via certified mail.
For all you know it could be someone else with your name they're after. i read this article today http://finance.yahoo.com/news/one-man-got-even-debt-103042195.ht... 
which I posted about in this thread http://www.fatwallet.com/forums/finance/1366242/ (I suggest you read that thread too, and consider posting there)
Even if it is your debt, these people have to follow the law. If they do not, you can sue them, and have a good chance of winning. Especially if they do not have clear written consent from you that says they can call you, and they call you.

 

rated:
Yes I was looking for my digital recorder. It's around here somewhere. Gotta figure out how to transfer digital recordings to CD or a legally acceptable format. Shouldn't be too hard.

rated:
we have an upcoming vacation to Hawaii and expect to be spending between 3-5k. I am looking to open two cards one for me and the other my spouse. So far I have costco Amex (3% back on travel), discover it and BofA platinum rewards. Wife has Amex blue Edc and Dcu platinum visa. Looking for a cc with decent opening bonuses (some thing that I can maximize on) as it will affect my average age of accounts. So it better be worth the shot.

I read through the posts and shortlisted southwest (-50k mile after spending 2k- annual fee 99$) and chase sapphire preferred (40k plus 5k - after spending 3k). We usually don't travel a lot but planning to do some long due trips in 2015 before kids.

Are there any other options besides above mentioned cards. Thanks for your input in advance

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