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what if I just don't pay? (unsecured CC)

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N

no love lost

Guest
TX -

Have a $10k balance on a Visa and about $50k in medical bills from an accident. Spouse is retired on SS. I am just getting back into the work force with disability in both hands and very limited.

Been trying for several years to dig out of this CC debt. The accident was the last straw. I have no problem going chapter 7, but I have a lawsuit pending b/c of the accident. My lawyer states it will hurt my case.

Problem is I can't afford the $270. a month visa pymt on our $1,000. a month income... not if I want to eat. Had savings but medical and no income has dwindled it to enough to get out of town...if we hurry before it's all gone. As it is a roof over our heads (rent) is becoming impossible on the slave wages in this state. Gawd what were we thinking in coming to this backward state??!!

So, with few job prospects around here and the absurd wages ($7. an hr is like GOLD to these ppl and they're happy as a pig and **** to get it)...what can the credit card company do to me if I just let the bill ride, change my phone # until we can get out of this god forsaken hellhole?

If worse comes to worse I can do a chapter 7 (zero assets) and if it hurts the case, so be it. No guarantees with that and I can't keep paying $270. for a "maybe" settlement down the road.

Bank account is joint. Only money that goes in is direct deposit of SS check each month. The checking account is joint, but the credit card is in my name only.

Can they touch this joint bank account?
 


JETX

Senior Member
First and foremost, do NOT fall for the scam offered by mhansen. He has tried to peddle his scam here before and was kicked off the forum. He will be again. And, if you don't believe me, you can certainly give him the $1800 or so that he is asking for his 'secrets'... then if you follow them, you will be subject to arrest for bankruptcy fraud. He is a well-known con and a scammer.

Second, here is what COULD happen... assuming that the debts are valid (and not expired), the creditor could get a judgment against you. Then, that judgment could be transferred (called domesticated) to your 'new' state. And since Texas gives the debtor far more exemptions than most states, you will definitely be going from the pan to the fire when you move.
 
N

no love lost

Guest
thx Halket for the advice. Not much chance of me contacting an unknown username by email (LOL) but thx for the headsup on that guy.

So beyond a judgement, can they seize our joint checking account? Judgements have little effect on my lack of sleep. There is always Chptr 7. What I am most concerned about is being able to survive. If I get a settlement in the future to pay off all debts, that would be great. If not, at least we can survive meanwhile.

hunt me down? that would be worth their effort if I had a pot to piss in :) Believe me the best have tried, and gotten **zip**

I notice you're a TX debt collector. Must be busy as hell these days in TX. This state is an employers dream- employee's nightmare. How backward can a state be that doesn't even REQUIRE workman's comp?? Low pay, little overhead for the employer and they pay slave wages?

don't even get me started on failure to enforce disability laws....failure to do much of anything to protect their citizens.. how many medical doctors have lost their licenses in this state for malpractice?

I really am sorry to be so critical of your state, but gawd I can't wait to get the f**k out of here
 

JETX

Senior Member
Q1) "So beyond a judgement, can they seize our joint checking account?"
A1) Yes, if the creditor gets a judgment against you, the bank account is one of the assets that can be seized.

Q2) "I notice you're a TX debt collector."
A2) Not really. Debt collectors are 3rd party agents for the creditor. I purchase the judgments and in doing so, become the creditor. Also, debt collectors are very limited in the legal actions that they can take (their only action is really to harass the debtor hoping that he/she will pay). Since I am the creditor, I can take legal actions to enforce the judgment.

Q3) "Must be busy as hell these days in TX. This state is an employers dream- employee's nightmare. How backward can a state be that doesn't even REQUIRE workman's comp?? Low pay, little overhead for the employer and they pay slave wages?"
A3) I don't see anything in your many complaints about the type of business you might do. Certainly if you are working in a convenience store, hamburger shack or gas station, the pay is not great (same as elsewhere). However if you are in a profession or business career, the oppportunities in Texas are outstanding. As for your comment regarding not requiring an employer to carry workmens comp.... you are simply wrong.

Q4) "don't even get me started on failure to enforce disability laws....failure to do much of anything to protect their citizens.. how many medical doctors have lost their licenses in this state for malpractice?"
A4) And what percentage has lost theirs in your 'perfect' home state?

Q5) "I really am sorry to be so critical of your state, but gawd I can't wait to get the f**k out of here"
A5) No problem. Sounds like both of us will be better off when you cross the stateline. BTW, where is your 'perfect' state?
 

nailtech

Senior Member
Texas is not the problem, you seem to have other problems other then the state issues.... maybe you fell into one of them hell holes of a small town, I don't know,... but Texas is a great state to live in..... I may be a little bias. Sorry....... but there’s no place better then TEXAS......!!!!! How long have you been here?? And where were you from before that??? and what profession??


Seriously??
 
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C

CaliCat

Guest
I myself have about $10,000 in CC debt and nearly half a million in medical debt. I am 21, disabled, and get $770 between the state and fed.gov. per months. I have been unable to pay any bills if I want a roof over my head and food to eat. I can't leave the Bay Area because my doctors and specialists are here. My fiance is a chef, and chefs don't make the bookoo bucks people think. Anyway, my debts have gone unpaid for nearly two years now since we rely on his credit and I will have to file chtp7 when we can spare the money. I tell the creditors who call that I will file when I have the money. No one has tried to gain judgements against me or anything, and my personal bank account if fine.

I also have an accident clain going on. I was a pedestrian hit by a drunk, and I can lose any money I get to bankruptcy unless I get it first and, with the help of an attorney, put it into exempt property.

If I were you, I'd let my first concern be a roof and food. Don't concern yourself too much with the debts right now. Just do what you can to get by.

Good luck and God bless. I feel for you more than you probably can comprehend.
 
N

no love lost

Guest
thank you Calicat for your kind words. it takes someone who has been there to know the shoes I walk in.

As far as the others comments, you are obviously native texans. I've found those to be the only ones that can tolerate few rights and little opportunity. Why do you care where I am from or where I am going? As you said, happy to see me go. Great attitude - TX love it or leave it good ole boys?


No I do not live in a small town. No there is NO workmans comp required in this state. Call the state workmans comp - I did. They did away with it about 5 yrs ago.

professional? yes - pay in local area:

full charge bookeeper 5 yrs experience = $6.50 to $7. per hour.

accountant 3 yrs experience=$7. per hour

Graphic Designer, Quark, Adobe, Illustrator=$6.50 per hr.

Programmer, C+, VB, etc =$8. per hr

Paralegal=$9.00 per hr

Medical Assistant=$7. per hour

And yes I will shake the dust off my feet when I leave this state.
 
N

no love lost

Guest
For Texans that "think" they are covered by Workman's Comp, I urge you to call your State Workmans Comp Div.

or check the links below:

Am I covered by Workman's Comp?

http://www.workerscompensation.com/texas/reference/employee/emp02.htm

Most other states REQUIRE Workman's Comp protectiion for employees if their employer has 4+ employees. That's reasonable. Many startup companies are able to do business until they grow. TX Workman's Comp is strictly voluntary! You could employ 10,000 ppl and still not be required to have the coverage.

Notice the repealed laws to even NOTIFY an employee that they are not even covered :)

http://www.workerscompensation.com/texas/htdocs/index.php3?SCREEN=department&sid=&department=335

Most ppl haven't a clue what their rights are until they are faced with an emergency. Would you risk life and limb if you knew what your state was doing to protect your rights? For low pay? Talk about insult to injury.
 

JETX

Senior Member
Get off your 'high horse' about the state of workmans comp in Texas. We are NOT one of those liberal 'government provides or mandates everything states' like you are probably use to (notice you still haven't told us what 'perfect' state you are from).

From my perspective, an employer should have the right to determine whether they want to participate in the workman comp 'pool' or not.

You make it sound like workmans comp is some 'right' that you have or should have. It simply isn't. The purpose of the comp pool, is to share the risk of the industries into a lower premium program. From an employer viewpoint, the risk to me is that an injured worker can sue if I am not in the 'pool'.... and can't sue if I am in the pool. With that in mind, I am sure that there are far more employees that have been injured that would wish that their employers had NOT been in the workmans comp 'pool'.

From your own site reference: "An employer who chooses not to subscribe to the workers' compensation system may be sued for damages based on common-law concepts and when he is sued, he can't raise such defenses as contributory negligence, fellow servant rules, and assumption of risk."

As for salaries, I don't know where you got your guesses... but I will offer the following REAL ones that offer far more than you claim!!
"Accountant/ Bkkp 40-50K (depending on experience)
Assume duties of retiring bookkeeper - excellent training. Must have good bookkeeping skills as well as accounting knowledge... degree would be a plus. Mature attitude with a background in or around the construction industry...experience within a smaller company would be helpful in knowing how this office works. You would work in an industrial envionment located in west Houston. Company is relaxed and hires congenial people. Good benefits..."
Thats $40k to 50k per year!! Far more than the $6.50 to $7 you claim!!
Source: http://www.cendrickpersonnel.com/jobs/

Programmer:
"A typical Programmer I working in metro Texas -- Austin is expected to earn a median base salary of $43,788. Half of the people in this job are expected to earn between $39,242 and $49,801 (i.e., between the 25th and 75th percentiles). These numbers are based on national averages adjusted by geographic salary differentials."
(This data is as of August, 2002.)
"Programmer I Low Median High
Texas -- Austin $39,242 $43,788 $49,801
US $41,091 $45,851 $52,147"
Source: http://www.collegegrad.com

Bookeeper in Austin:
"Earns a median base salary of $29,116.
The top half of earners are paid an average of $33,762.
The lower half of earners are paid an average of $25,287."
Again, far from your wage claim!!
Source: http://www.careers.yahoo.com/

Graphic Arts - Web Designer III in Austin
"Earns a median base salary of $62,383.
The top half of earners are paid an average of $73,278.
The lower half of earners are paid an average of $57,188.
Again, far from your claims!!
Source: http://www.careers.yahoo.com/

We Texans are pretty good at recognizing a pail of BS when it is set in front of us.... and your wage claims smell just the same. So, quit trying to BS us with your 'woe is me' claims of low-wages and your self-concern re: whether the state has the right or duty to tell a businessman how to run HIS business.

So, you are either getting what you are worth.... or are looking for a job in the GreenSheet!!
 
N

no love lost

Guest
halket - in the "real world", Workman's Comp is usually understood to be an employee's minimum right to protection against sweat shop employers. To say that TX is BACKWARD in this respect is an honest observation. If you take issue with that, so be it.

"As for your comment regarding not requiring an employer to carry workmens comp.... you are simply wrong."

obviously YOU were and your backpedaling is hilarious >>


"We are NOT one of those liberal 'government provides or mandates everything states' like you are probably use to".

nuff said there - that is EXACTLY the love it or leave it cause we sure as hell aren't gonna change mentality I was talking about. Gives me the warm and fuzzies just thinking about what a great welcome mat you ppl offer.

You must be quoting the Houston Chronicle for wages buddy, cause it sure as hell isn't even close around here. And this is a town of over 100k ppl, 2 colleges, etc. The rich get richer off the backs of those they screw.

don't call me a liar or full of BS. I don't recall having a woe is me attitude. I askied for a way of escape to survive. Asked what my rights were. I'm not asking for a handout. Texans like you just confirm my observations.

again, why do you care where I am from or care to go? I could have not even mentioned the state of TX and still blasted the injustices, but was required to for this board.

get over it.
 
K

knorris

Guest
Not a Texan.

But I married one. Best damn move I ever made... Lived in the great state for 7 years and only left to be close to my parents as they are getting older. So love or leave it are get the hell out. Kathie :D
 

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