rosier2000
Member
Florida. Citibank is suing me for 8K, I have managed to delay the court date, but it will be here soon enough. I have filed for homestead exemption, and head of household exemption. (I am a single parent, so that protects my wages from being garnished I have found out) I have saved 2K which I have offered to them, no response.
I also owe on two more cards at 3K each Citibank & MBNA, which are each sending out charming collectors. Citibank has assigned NCO & MBNA has W&A.
All are well within the SOL.
My questions are:
1) Should I send NCO a C&D letter, they are calling my work and home saying they are with Citibank. If I do, should I tell them to contact me by letter or that I wish to deal only with OC?
2) W & A has been using an automated calling system and I ask the same question of them. They will go to a one-sided arbitration and then judgment?
3) Should I ask 1&2 for DV?
4) If judgments are made, can they put lien on the home even though it is protected by Florida’s homestead exemption?
5) Even though my wages are protected from garnishment as head of household, it said that my wages that go into my bank account are supposed to be protected as well, how do I prove that? I have no other income except my job.
6) If judgments are made, can they get my income tax refund?
I have paid off the rest of my unsecured debt and have about 30K in student loans that I am current on. I wish to settle with all of them, but I need to be able to breathe and feed and clothe my children too. Any advise will be greatly appreciated. I have learned much from your posts.
I also owe on two more cards at 3K each Citibank & MBNA, which are each sending out charming collectors. Citibank has assigned NCO & MBNA has W&A.
All are well within the SOL.
My questions are:
1) Should I send NCO a C&D letter, they are calling my work and home saying they are with Citibank. If I do, should I tell them to contact me by letter or that I wish to deal only with OC?
2) W & A has been using an automated calling system and I ask the same question of them. They will go to a one-sided arbitration and then judgment?
3) Should I ask 1&2 for DV?
4) If judgments are made, can they put lien on the home even though it is protected by Florida’s homestead exemption?
5) Even though my wages are protected from garnishment as head of household, it said that my wages that go into my bank account are supposed to be protected as well, how do I prove that? I have no other income except my job.
6) If judgments are made, can they get my income tax refund?
I have paid off the rest of my unsecured debt and have about 30K in student loans that I am current on. I wish to settle with all of them, but I need to be able to breathe and feed and clothe my children too. Any advise will be greatly appreciated. I have learned much from your posts.