The Police (SheriFFFFFFFFF) ended up at my house the other day over a small debt.... making connections.

You need to look up the statue of limitations on credit card debts in your state.

For instance, CA has a four year statue of limitations for most credit account debts. That means four years after the date of default, the company or collections a-holes can no longer legally go after you. They can still harass you, but they have no legal recourse to collect a dime from you. If they continue to harass you, you just need to send a certified letter telling them to fuck off. If they don't, you can sue them.

The debt will still be on your credit reports for 7 years from the date of default, but after four years they can't legally collect.

Find the information in your state.

[link to www.creditcards.com]

Yeah.

Not too long ago when I was really going through it... a Chief of Police in a nearby county was charged with child porn distribution.

[link to 6abc.com]

Also this just happened nearby, too. A doctor charged with distribution...

[link to philadelphia.cbslocal.com]

And now you all know what state I live in.
Idc, honestly. I'm a nobody. Fuck it.

Getting out of this state is fast becoming a goal at the top of my priority list.

OMG. It may be too late for me.
My avoidance may have fucked me...
in which case I take full responsibility.

But thanks for this.

No, it may have helped you. The statue of limitations is there to protect you. Find out what the length of time is in your state in the link above. If it is already past that date, the collectors can't sue you, garnish your wages, or seize accounts legally.

You need to take a deep breath. Try to separate this debt issue from the other legal issues you are having.

Learn the laws in your state regarding debt so you know where you stand legally with these collectors.

If you can't do that, then I would suggest finding free legal aid through your county.

Ok. Thank you.

OP, by chance was what the sheriff delivered a court order?

1> Hire a bankruptcy lawyer.
2> Talk about chapter 7 bankruptcy.
3> Pay your hired gun, let him do his thing.
4> Put the whole mess behind you.

Something like that. I was supposed to respond to it in writing personally, or have a legal advocate respond to it. I didn't.

Now I got a new letter... that I'm supposed to respond to...

What I'd really like to do...
is smear my shit all over the letter and send it back to them.

LOL! I don't think I'll do bankruptcy. I would've paid the initial debt, if they'd work with me. They must've recorded that phone conversation, the assholes. Maybe I'll find a way to prolong this situation until it crosses the 4 years, the dicks.

Why not do bankruptcy?
Your credit is probably destroyed already thanks to them.
Bankruptcy costs about $2K, compared to the $50K you owe them now.
And yes, you can do just fine without credit. I have no credit score, yet have a mortgage, a car, and a stable job.
Can still fly, rent a car, etc.
Don't let them tell you you can't survive without a credit score.

Are you in CA? It may be a different amount of time if you are somewhere else.

When you endorse your paycheck you create the counterfeit currency ..

I am 6,000 something in debt(due to constant charges being added on over the years).

I said I'll end up 50,000 in debt, kind of jokingly, after all this is finished.

But thank you, I kind of had the same line of thought... I really don't care about credit anymore. Or banks... maybe this will all do me a bit of good in the end, furthering in detaching me from the system- at least mentally. I'll do what I can to get out of banks and etc from here on out and just deal with cash only and hoard it all(possibly aiding the economic crash/depression). Come what may!

I checked the link, I am not in CA.

Good. At least you know what length of time you're working with.

Now, you need to check your credit report(s). It will list the official default date reported by the original creditor. You need to know this from your report (not what the collectors will tell you.)

Yep, that should tell you one thing for sure: OP's story is BS!!! The real question is: who does she really work for? Perhaps, she is playing on the fear mongering on behalf of collection agencies in order to get any debtor who reads her shit in a panic mode.

I should have added that if you have been served court papers (sounds like you have) then you will probably need legal help at this point.

There might be a free legal aid society where you live. Look this up and call them first thing tomorrow.

If a case has already been filed with the court, you can't ignore this any longer. Don't let it go until there is a judgement. It's almost impossible to go back and ask a judge to relieve you of a judgment, and the judgement debt usually will not be discharged in a bankruptcy.

What is a Sherif of Police? I don't even know what Sherif is, or what it means, that's not even an actual word.

Oops. There is a judgement, the last letter...

:(

Well, all I can say is this is a true story. I know the truth is hard to handle. And I've been terribly stupid and Idk what will happen next. I'm accepting the fact that my wages may be garnished and my accounts frozen, and I'll just hoard up all the left overs in cash for the next few years before I can get the fuck out of this state. Honestly, I feel like I already work for practically free...

But it still feels ridiculous that a SheriFFFFFF would end up at my doorstep over a small debt like this. It IS BULLSHIT.

And maybe I'm crazy but I can't help but connect it all to a psychological warfare that I've been increasingly aware of within the past year. Psychological, spiritual, whatever it is it's very real to me.

"Pursuant to Rule 236 of the Supreme Court of Pennsylvania, you are hereby notified that a Judgement has been entered against you in the above proceeding as indicated below..." Etc.etc.etc.

The SHERIFFFFF was paid to serve me initially, but I was not home at the time. It's all here.

I could take pics of the letters and blur out the names and addresses. The title SHERIFFFFF is given, about the serving, and exactly how much he was paid. 58.00 dollars.

So the sheriff was paid to serve you a notice you were being sued for a debt. That sounds right.

File bankruptcy and it all stops. Be sure to write every little debt in the bankruptcy so they all get wiped out.

You will still get credit after bankruptcy, but why do you want to go back to the same ol, same ol trap.

I still get an image of the asshole Sherif in Robin Hood, picking on the poor folk.



I do feel bad that I owe money, and my jiminy cricket wants to pay it off, it really does. But I just feel like they're all being assholes about it. Idk, maybe I'm the asshole.

Statute of limitations over here in the UK is 6 years . I have used that myself when I hit bad times , what ya do in your position if it is less than the statute of limitations in your country is this , contact the credit card company that you owe the debt too offer them the $2k as a full and final settlement figure and you want it in writing that they accept it .And they WILL accept it trust me .
Your debt will disappear and you have it in writing that they have accepted the amount and there can be no recourse to the debt its wiped out .......This will work ..Unfortunately I have experience in being up shite creek without a paddle and have done the same thing....

You mean the company that I originally owe money to, NOT the debt collection agency that the company sold the debt to? Just curious.

Be very,very careful if you do this if you are considering using the statute of limitations. Held in default without payment there is no "acknowledgement" (this is legalese pretty much but I think you can see the point) on your part that the debt is yours once you contact/send even a partial payment etc. the statute very well may start all over again. Call a lawyer get some advice and they will tell you just exactly what you need to do or say to them in order to settle for less.

Yup definitely sounds like she is being targetted purposely and these are the people we all need to protect from this crooked paedo ass kissing system of blackmale! Humankind should be wiped out fir this shit!

Toi bad we cant put our politicians in jail for their debts like they do us, as we see here right before our very eyes!!!!!

Targeted by WHAT, exactly?

Honestly, there's probably no human connection at all and I'm wrong for even voicing that suspicion. If anything, I'm just a nut going through a rough time... and imagining that there are forces beyond our human comprehension at work here. I got a really good imagination, too, dare I say. Torturous at times, to be true.