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#1
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Can a debt collector take a roommates stuff?What is the name of your state? New York I live in NYC & I share an apartment with someone who owes a credit card company (less than $2000). She showed me a letter she received. A "marshal's notice of execution" letter stating that : "To the judgement debtor: An execution against personal property has been issued to me(her) as a result of a judgment entered against you in the above referenced matter. The issuance of an execution against personal property to a city marshal creates a lien on all personal property except the 'exempt' property set forth in section 5205 of the civil practice law & rules.This 'exempt' property may consist of household furniture,one radio & one television,clothing,one refrigerator,work tools, & other basic household furnishings.All personal property not 'exempt' may be levied upon & sold at public auction." ..."If you cannot pay this amount amount at this time,please contact this office as other arrangements may be made to assist you.Make check or money order payable to...". *This letter has no deadline in it.You know, like "you have 30 days to pay debt or hand over non exempt stuff".* I was wondering: 1-Can the marshal/repomen/debt collector/whoever they're going to send take MY stuff? How am I supposed to prove that MY stuff ISN'T hers? I don't have reciepts for them. 2-Can I just say that some of her stuff is mine so she does'nt have to give them all her "non exempt" stuff?She definitly can't afford to pay back the near $2000. I'd hate to see her have to give all her non exempt stuff.She told me she has all the stuff she bought w/ the credit card & would give it back to them but I'm assuming that will not be enough for the collector.They want the money or an auction. Also on the letter they misspelled one letter in her name (ex:"Tima",instead of Tina). When/if ( i say if because I'm sort of under the impression the marshal/whoever maybe won't come because they say to contact them if she can't pay.So maybe the decision's not final.) "they" come can she just say "Hey,that's not my name.I'm not giving you anything.Leave me alone."What is the name of your state? |
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#2
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| 1 - They cannot take anything that is not HER property. You need to draw up an inventory of all of YOUR stuff and she needs to do the same so she can claim her exemptions. If you hace anyone you know who can vouch for what's hers and what's yours, get that person to sign a statement that says as much. It may not be necessary, but it couldn't hurt. This is exactly what the NY Statute says: Quote:
2 - Claiming her stuff as yours would not be a good idea. If you cannot possibly PROVE it's yours, it's not worth the risk. What she needs to do is CLAIM her exemptions and then she needs to negotiate with the judgment creditor to make SOME kind of payment arrangement. They will NOT give up, they will keep trying this. If she has a bank account, they will sieze it and drain it. If she works, they will garnish her wages. Judgments in NY are good for TWENTY YEARS - it's not going away !
__________________ "Knowledge is Power - use it as you see fit ! I am not a lawyer or a member of the legal profession. My advice is based on research and experience, my own and others, some who practice law. You decide for yourself what actions you do or do not take from my advice. |
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