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I'm in Pennsylvania and I have about 10 accounts > 100k in total about to charge off. My question is what can happen from this point. Can my house, car and wages be attached or taken?
At this point should I settle or let the process run out? My credit is ruined if I settle or charge off in Pennsylvania, right? what are the PA charge off laws?
Thanks in advance.
CS610
The SOL in PA cs is 4 years. Do you mean charge off where a company can charge off a debt with in months of not paying or fall off where it is close to statutes? You in any case should always try to settle debts because the effect of letting them go unpaid is havoc to your credit report. These days your credit report is more valuable than most understand. It can even effect you when you go for new employment. Get back to me and we'll take it from there.
Charge off does not necessarily mean that you are exempted from paying the debt. In fact your are fully liable for the debt till the time the SOL in your state has expired which is 4 years in your state as said by fireyone and your creditor can sue you to the court and bring judgments against you which may even result in garnishment of your wages.
Yes Anthony is right. But since charge off remains in your credit report for seven years and cannot be generally removed from your report, it is always essential that you avoid charge off somehow. For this all you need to do is to get in touch with your creditor directly and inform him of the situation and try to negotiate. You need to find out for how much the creditor is willing to settle for not marking your debt as charge off and try to set up a repayment plan to pay off your dues.
I believe it is usually better to get a hold of the original creditor when possible. Right guys?
Pennsylvania charge off will stay on your report for seven years unless you pay for a delete. If you make any attempt to settle these accounts out make sure that you tell them that part of the deal is to delete them so you can start rebuilding your credit right from the start. goodluck with this, hope you will keep us updated on your progress in this matter.
Good point Justin! I think a lot of people get confused about the SOL. A states SOL only determines how long a creditor can attemp to collect a debt. Like in PA it is just 4 years. But a chargeoff can still stay on your credit for 7yrs from the time of the chargeoff. I just wanted to clarify that incase anyone else misunderstood this.
So you are saying if your report says charged off 30 days you can count seven years from that date? My report is weird cause a couple of my medical debts fall off way before the 7 year mark. I have two from the same backwards doc office and they will only be on a totel of 4 years and are to fall off next month and the other a year from that. wierd or what?
The four year statute of limitation refers to the period of time that the collector can sue you. I had one that filed a summons with in one week of the sol expiration, any legal action such as a summons will freeze the SOL, in essence, giving them more time.
Or in other words..just to keep you hanging. They sure have to keep a lose eye on something to stop SOL within a week before expiring.
About to charge off
I just wanted to let you know that in the state of Pennsylvania they can not garnish your wages. You can be charged off (written off) but that dosen't mean the debt is forgotten. Be on the look out for junk buyers to make your life a living hell. Statue of limitation is 4 years in our lovely state but it stays on the credit for at least 7.
The only things that they can garnish for in the great state of Pennsylvania is taxes and child support, other than that if they try to collect anything your payroll department should know not to let them pull funds from your paycheck. We have had taxes garnished but always get forwarning that it is going to happen before it does, which is nice because you can plan for the lower pay then.
Don't you love good ole Pennsylvania? These collectors will still attempt to collect, so hopefully your payroll department is aware of these laws.
If they weren't and I were being garnished I would say something to make sure it was stopped. I imagine you could probaly sue since rthat would be taking the money illegally. I have seen in some states (good ole Judge Judy) where they garnish up to 25% of someones paycheck. Just think what that would leave you with after taxes and what not.
Pennsylvania wage garnishment laws do not permit attachment of wages for repayment of credit card or personal debt. Wages can only be garnished for child support obligations and if you have unpaid federal taxes. The state can even garnish your wages for collection of Federal taxes even without court orders and the wage garnishment will continue till the time your tax is fully paid.
The government wouldn't need court orders as you said but for things like past due child support they do.
Delete
Will a credit card company be willing to "delete" the credit reporting history if you settle for an amount less than is now owed with interest? How much does a delete typically cost?
If it is an original creditor then they have the power to delete an entry as long as it is their entry, a collection agency can not delete an original creditors entry and an original creditor can not delete any other companies entry that is reported on the debt, they can only take their own entry off.
collection agency phone calls daily
i have a collection agency question..and never ending phone calls for a 15 year old debt that was for someone else that defaulted on the loan <it> so the ca keeps calling the co signer on the 15 yo debt is there anything that can be done... they were told were the person that bought the carpet works and lives many times
but still insists on calling the co signer everyday and sometimes twice a day
well the cosignor never made a payment on the carpet and i would guess no payments were made on it for at least 15 yrs becuse its been 15 yrs of harrasing tellephone calls from ca ,in one call they said they had no idea where the purchaser of the carpet had moved too and lost contact with her yrs ago and in 2 occassions cosinger found out where she moved and worked and passed the info on to the ca but they said it dont matter pay the debit we are in pennsylvania, the name of the agency calling is ASSETACCEPTANCE.I realize that a cosignor is responsible as much as the signor of the loan she the cosigner was a lil gullable.and young at the time not realizing what she had got into with this, but 15 yrs passed and the 2 rooms of carpet she signed for is most likely out in a dump by now ,and at this time i have no idea what amout was paid for it or how much they are trying to collect,iam doing this to just help out a good friend and to see what options she has if any
credit
I live in PA, as well. The SOL (Statue of Limitations) in PA, is 4 years. Obviously..the SOL has expired. Which means, the CA can't try and collect on it after the SOL. Also..you said it's a 15 year old debt? NOPE...they can't do anything about it now..waiting so long. Have you looked on your CR (credit report) to see if the debt is even still there? Usually debts (except BK's) 'fall off' in 7 years. Look on your CR. Don't give this CA a dime!! CA's can threaten and give you every story in the book!! That's a long time to try and collect on a debt. If the debt is still on your CR, you can 'dispute' the item, with the CB's and have it removed, because the 'fall off' date has already passed. This worked for me, with a few debts I had.
thanks but the daily phone calls from the ca
i realize my naive lil friend had cosigned the original lender agreement to help a friend 15 years ago to purchace the carpeting for 2 small living spaces at home she at that time rented <but> so then in the meantime the loan must have been defaulted on by the other party who has not been seen since the argument 15/16 yrs ago so mean while the ca has been calling my friend the cosignor of orig debt twice a day everyday for the last 15 yrs the collection agencies name is Asset Acceptance,LLC and just todayin the mail she recievd a letter from them with no real validation of the debt in my eyes but 2 amounts on it a settle amount and a current bal .no idea of how much the orig loan was for but according to this statement it lists orig account number and who its regarding i guess the orig lender..on the back are the statements on collecting information in connection with debt collecting .....????????????as permited by law and creit reporting act and sharing her info foe individuals locaction and skip tracing what ever that means. so AFTER ALL THAT IS THERE A WAY TO GET THE CALLS TO STOP ALSO NO LISTING OF THIS IS ANY WHERE ON HER CREDIT REPORT DO I NEED TO SEND A VALIDATION LETTER REQUESTING A COPY OF THE ORIG LOAN AND AMOUNT? THEY WERE ALSO TOLD NUMEROUS TIMES THE LOCATION AND WORK PLACE OF THE ORIG PERSON WHO GOT THE LOAN
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OhEkTL Thanks for the article post.Thanks Again. Great.
HBO's documented 'Swiped' paints a bleak portrait
inside of 2015, journalist Nancy Jo Sales wrote an exhaustive story for Vanity Fair about how 20 somethings hated Tinder but also couldn't stop using it. Sales described how young each gender used the dating app to prowl for casual sex, a new "escort apocalypse" Where everybody was disposable and another, more significant match, was just a swipe away. The article came out right as dating app fatigue was needs to set in.
currently, many years later, Sales has delved deeper into the topic in an comprehensive but bleak documentary, "sharpened: Hooking Up in digital Age, Which Sales wrote and pointed and which premieres Monday night on HBO.
Nancy Jo merchandise sales: Although every who's in this culture knows this culture, There hasn't yet been a really broad look at: just what this mean? How is this having an effect on us? Why are we the process? How do we become about it?I'm hoping that they'll want to watch it because it's echoing of their lives. [yet,yet somehow] It will hopefully also be interesting promptly know nothing about it. What our experts allege in the film is that we are in a truly freakish moment in terms of dating and mating due to technology.
Jonathan Badeen at Tinder tells: "We were seeking disruption, which is a Silicon Valley business term, And it's viewed as a good thing. But what they're referencing here is disrupting evolution and disrupting manners and disrupting love and sex.
there's a lot of things that are not even being acknowledged as being a problem and are not being addressed in any significant way. there are lots of sexual violence related to dating apps. I heard it over and continuously, From ladies that I interviewed. A study in Britain found a 450 percent rise in sexual violence related to dating foreign girls and dating apps in five years [out of 2009 to 2014].
elements types of abuses that can happen. there are a young woman Nicole, Who's within our film, Who had a guy sexually harass her and then build this web site about her, Saying she's a crackhead and all this horrific stuff. Danielle Citron [A law professor at the school of Maryland] Says this may not uncommon. One in 25 most people [Say they are victims of revenge porn]; That's mind blowing.
A still from the HBO documentary "swiped: Hooking Up in the digital Age, (cinemax)
Bonos: i've been to a Tinder wedding. Several of my close friends have married people they met online. Tell me about the decision not to include any accounts of success in the film.
I'm not saying it will not happen. We went to a wedding of a lot of who met on Hinge [But it didn't make it into movie industry]. Even as I was legitimate [the bride], She was complaining about dating apps and how hard they were. she gets lucky because so many of her friends are not finding someone like [Her his conversation] On kinds of apps, And it's very hard. routines happen. But I do not think, Statistically, is it doesn't norm.
Bonos: From the time you reported out that original Vanity Fair article in 2015 and then this documentary many years later, What has changed the most in online dating site?
earnings: This deal has exploded. There are now loads of of dating apps in America and all over the world with hundreds of woman in spanish millions of users. this may not be just in America; This is a global method. that is one big change.
And it's just become very settled down because of it. It's overtaken the world of dating on college campuses this is how young people and learners date. The girls and the guys I questioned, At the as well as college of California at Santa Cruz, They don't talk together at parties, when considering dating. they will not say, "seriously, need to have grab a beer or coffee, That's odd. We heard all the time and again that it's more typical to swipe on somebody that you think is cute, And then if you match on Tinder you will start talking.
the exact "pro" Of Tinder was that it relieved people of the fear of denial. That's good in most ways, But what's lost is the serendipity of chance event the "make an impression on, as it were. I love the moment in the film when Cheyenne says she's always wanted to bump into a stranger in a bookstore. normally that's straight out of a rom com. But there is something to be said for having an adventure that is not engineered by the tech bros of Tinder.
There are dysfunctions that are gained: Convenience and technology and utility. that's what tech tries to do. But movie industry really asks: What has been lost in all of this?
What's been lost is not only the sense of adventure. then again, The whole design of these apps makes people feel like they're one in some pictures that are just as easily consumed as discarded. It feels personal because it's your phone, But it's not really personal it's a billboard space, And it leads to a few dehumanization and objectification, certainly of women.
Bonos: When I'm seeing, I'm looking for someone that I connect with and we're compatible. But I'm also looking for an individual who is fed up with all of that and is ready to pick someone.
earnings: I heard that a lot in legitimate people for this film. People require someone who hates the apps just as much as they do. Because if you think it's all really great you're probably not as interested in a long term connection.
There's nothing at all wrong with hooking up the film is in no way trying to judge that. But as Justin McLeod of hinge says, Apps advantage people who demand just a hookup. If you are looking at something more serious and long term, It's maybe not the absolute right place to find it.
often there is another person who may be available, May be better. And don't sit with your feelings of: So and so has not texted me back. Uh also. All of that ambiguity is alleviated to a certain extent, as you are can just go back on Tinder. I don't really have to sit with those feelings and figure out what's up with this person because I can go on Tinder and find someone else.
Bonos: You also do not need to confront it with that person.
promos: quite. And good whole ghosting thing, Which I think has caused a lot of heartbreak that you're kind of not allowed to feel, Because that's just the way things are and less expensive be hip to it and accept it. but it really isn't nice to ghost someone; It isn't respectful or kind. but almost certainly, It's so settled down.
Overall I'm hoping the film starts a conversing. rather than using these things, Maybe people will seem how they really feel about it.
Bonos: You've spent a lot of time reporting on generations that you're not a part of. It's a skill in order to do that in a way that doesn't sound like, "Geez, The kids as of late, Do you have any trade secrets to portraying these young people on screen?
revenues:[In my books about teenager girls] I try and but let them talk and let their voices be heard. I experimented with do the same in this film. I revealed to Daniel, simple cameraman, I plan to be on their faces a lot. There's several close ups, pretty extreme close up, Because I wanted to capture all that beautiful emotion. uncomplicated all happy, But it's splendid because it's real. I wanted viewers to feel whatever they felt as they were talking. I don't think that me being older in any way bars me from the principle advantage of listen and understand, And truly that was my goal.
conclusively, i am just single. I dating. You'll find out when you get to be my age that almost all so different; We still have many of the same issues. This dating app culture has involved guys who are older, additionally.
There's so much that we can share together with each other across generations. This regarded hopes and goals of feminism, Is that women of different generations will listen together and support each other. And what happens: Older ladies do have things that they know that the younger ones might not know, Because we've experienced all this stuff. all this was not Tinder, But it was everything else.