Debt collector harassment

[patly55]

What is the name of your state? Ohio

[GulfBreeze]

Originally Posted by patly55

What is the name of your state? Ohio

nice to meet you....and?

[patly55]

Hi, I'm new at this and may not be getting through. I made the mistake of co-signing for a loan for my son to buy a car. He was fully employed and able to make the payments. He since lost his job and got behind. I was not in a financial position to make the payments. His car was repossessed and sold at an auction. After that we still owed about $6,000. We have every intention of paying the debt, but now it is just impossible. However, the debt collector keeps calling and threatening us. We can't even get a word in and they say the will just note our account as uncooperative and unwilling to pay - which isn't true. What do we do? We will pay the debt, but it will be a slow process. How do we get the debt collector to stop harassing us?

[Kanchazi]

[url]http://www.depts.ttu.edu/sls/files/debt%20collection%20cease%20and%20desist.doc[/url]

[Ladynred]

We can't even get a word in and they say the will just note our account as uncooperative and unwilling to pay

Don't let that get under your skin - the 'refusal to pay' attack is nothing but a tactic to push your buttons to get you to pay up.

A cease and desist letter might make them stop harassing your (far too many ignore the law), and they could just as easily turn around and sue you in response.

How long ago was the repossession ?
Were you AND your son BOTH notified of the date, place and time of the auction and did you BOTH get paperwork afterwards stating the deficiency owed, plus a full accounting of all fees attached to the sale ?

[javier_zuniga]

California I am looking for help. My wife and ex took a loan to avoid defaulting and they defaulted anyway that was in 1995. Now, the credit union that gave them the loan is attempting to collect. they mailed court orders showing Wells Fargo as the garnishee and a levy on all sums deposited for the judgment debtors and they show my wife's social and her ex's social. Question: Can they levy our present bank account since my wife is on the account. We don't know why Wells Fargo is listed as the garnishee.

[Ladynred]

Javier, don't hijack someone else's thread, start your own topic please.

If your wife is named on a judgment, then any bank account her name appears on can and likely WILL be garnished. When the bank receives an order to levy a bank account, the BANK is the garnishee -- not you.