ameratsu21
Junior Member
What is the name of your state (only U.S. law)? Nebraska
To give a little back ground, I spent some money, lost everything was homeless for a year and a half, and got back on my feet. Well this particular debt collection agency has always been very rude to me, and was never willing to work with me on repaying my debt to them. I was unable to work for about a year and am now married and a stay at home mom. I have no personal income so everything we buy/pay comes from my husbands earning. We do not have a joint checking account. This particular debt collectors I have already paid over 1 thousand dollars to them and settled one of my debts. The other debt I owe then is a little over $800. I am unable to make monthly payments due to already making monthly payment on creditors that worked with me to keep them from going delinquent, but I use all of the household income tax to repay debts that are delinquent. July 12th two officers showed up on my door giving me a paper they told me they would be back in two weeks to take any property to repay the loan or if that wasn't sufficient my wages would be garnished. And that if I wanted to stop that from happening I needed to call the number at the bottom of the page.
After reviewing the page the only date listed on it is July 3, 2014 and is the two week time limit from then? Also if I make no money and I don't own a car, or property (we rent), and everything else of value has been purchased using my husbands money and the car is in his name (although I am listed as an inheritor), I have inherited my grandmothers bedroom set (dressers, nightstand, chest, and cabinet), I also have a few other furnishings I received form my mother. We also have a roommate, is his stuff at risk? Reading the letter I was given it mentions a "Notice of Exemptions" that is attached, but I never got that. If they are coming this weekend we are going out of town for my mother-in-law's bridal shower, what do I do?
On top of this they are now charging me $9049.00 plus extra fees on top of the 800 I already owe them. What has been suggested to me was to go bankrupt. Besides for spending the weekend freaking out. What am I suppose to do and how does it affect my husband?
To give a little back ground, I spent some money, lost everything was homeless for a year and a half, and got back on my feet. Well this particular debt collection agency has always been very rude to me, and was never willing to work with me on repaying my debt to them. I was unable to work for about a year and am now married and a stay at home mom. I have no personal income so everything we buy/pay comes from my husbands earning. We do not have a joint checking account. This particular debt collectors I have already paid over 1 thousand dollars to them and settled one of my debts. The other debt I owe then is a little over $800. I am unable to make monthly payments due to already making monthly payment on creditors that worked with me to keep them from going delinquent, but I use all of the household income tax to repay debts that are delinquent. July 12th two officers showed up on my door giving me a paper they told me they would be back in two weeks to take any property to repay the loan or if that wasn't sufficient my wages would be garnished. And that if I wanted to stop that from happening I needed to call the number at the bottom of the page.
After reviewing the page the only date listed on it is July 3, 2014 and is the two week time limit from then? Also if I make no money and I don't own a car, or property (we rent), and everything else of value has been purchased using my husbands money and the car is in his name (although I am listed as an inheritor), I have inherited my grandmothers bedroom set (dressers, nightstand, chest, and cabinet), I also have a few other furnishings I received form my mother. We also have a roommate, is his stuff at risk? Reading the letter I was given it mentions a "Notice of Exemptions" that is attached, but I never got that. If they are coming this weekend we are going out of town for my mother-in-law's bridal shower, what do I do?
On top of this they are now charging me $9049.00 plus extra fees on top of the 800 I already owe them. What has been suggested to me was to go bankrupt. Besides for spending the weekend freaking out. What am I suppose to do and how does it affect my husband?