Sorry to be late in replying. I am recovering from a 5 week stay in the hospital and PT/OT rehab (not Covid). after 5 weeks flat on my back, I now have home health visits- sometimes multiple a day - to get to walking, etc. again. I could not even use a tablet so am way behind. After an extra long therapy appt today, even my fingers hurt so please excuse the typos. After this, I am trying to cleanup several longstanding legal issues.
There are multiple states. There are no orders that I am aware of. Since the refusal to repay the debt I have discovered that the other person involved had violated federal law, falsified federal affidavits and, likely, bank documents. Unfortunately, many of the actions occurred early during the loan period and are beyond the SOL
The debtor defaulted on a promissory note with a balloon payment and left their former residence without giving notice or a forwarding address. This debt is now nearly 2 years in default.They did not respond to emails. It took me months to locate them. Certified letters to their home (and also Sec of State business location and registered agent address) have been returned. The business actually operates in a multi building commercial area referenced by name rather than physical addresses. The business is open normal business and has the debtor as the only stated employee so they cannot be at the house or RA address for service there. The only place I was able to find a physical address for the business is on its Facebook page created about 10 months after the returned certified letter. Obviously this is needed for the sheriff to serve the documents.
I have tried repeatedly to get them to repay the debt; at the time they skipped out on the debt, they should have had several hundred $K - far more than what they owe me.
The debtor finally has contacted me by email with a settlement offer; I countered with a draft of a promissory note which they refuse to sign. Their offer was unenforceable, was for a greatly extended time period, was significantly less than what is now owed and would be owed at the very nominal 3.5% rate, and was in very small monthly payments. I have rejected the offer albeit delayed by my illness which had been communicated prior to my hospitalization. In order to finish my filing, I needed to make a collection attempt which I did by priority mail.
My refusing to agree to their terms (I admit I said I would no longer be taken advantage of financially by the debtor) and a prior refusal to pay another $10,000 debt of theirs (for which they would not be repaying me) triggered them.
I do not know what someone is to do when a document needs top be transmitted and the recipient will not accept mail or email.
There are multiple states. There are no orders that I am aware of. Since the refusal to repay the debt I have discovered that the other person involved had violated federal law, falsified federal affidavits and, likely, bank documents. Unfortunately, many of the actions occurred early during the loan period and are beyond the SOL
The debtor defaulted on a promissory note with a balloon payment and left their former residence without giving notice or a forwarding address. This debt is now nearly 2 years in default.They did not respond to emails. It took me months to locate them. Certified letters to their home (and also Sec of State business location and registered agent address) have been returned. The business actually operates in a multi building commercial area referenced by name rather than physical addresses. The business is open normal business and has the debtor as the only stated employee so they cannot be at the house or RA address for service there. The only place I was able to find a physical address for the business is on its Facebook page created about 10 months after the returned certified letter. Obviously this is needed for the sheriff to serve the documents.
I have tried repeatedly to get them to repay the debt; at the time they skipped out on the debt, they should have had several hundred $K - far more than what they owe me.
The debtor finally has contacted me by email with a settlement offer; I countered with a draft of a promissory note which they refuse to sign. Their offer was unenforceable, was for a greatly extended time period, was significantly less than what is now owed and would be owed at the very nominal 3.5% rate, and was in very small monthly payments. I have rejected the offer albeit delayed by my illness which had been communicated prior to my hospitalization. In order to finish my filing, I needed to make a collection attempt which I did by priority mail.
My refusing to agree to their terms (I admit I said I would no longer be taken advantage of financially by the debtor) and a prior refusal to pay another $10,000 debt of theirs (for which they would not be repaying me) triggered them.
I do not know what someone is to do when a document needs top be transmitted and the recipient will not accept mail or email.