Posts by Chloe Murphy3

dirty minds think alike 😁

Bryan Evans77 said:A few years back I was dealing with maybe 10-6.8 miles..
thank God I don't have to deal with that 😁

My job doesn't have a dress code (besides jeans and a tee), so I just rock some Tomfords and show up looking fine, not soaked like a pig 😁
but honestly, I could pull off a suit, no problem... 🙂

The only thing is, I'd probably rip my clothes on a fence instantly 😁

unless you buy some cheap plastic crap made in China 😬

I mix it up. On days I've got meetings, I take the commuter train, and if I can get away with wearing different pants plus a blazer, I will. 7.5 miles One way at least. I just stuff the blazer loosely in my backpack, so it doesn't wrinkle.

But whatever, you don't even sweat in the morning since it's cool out, and when I head home? Raiders? 😁

@ Richard King3 - it’s not like you just decide to pay those "law firm fees" whenever you feel like it. there's an actual legal order for how things get billed—check the Uniform Commercial Code, maybe.

@ hollowmason64 - look, filing an appeal against a garnishment doesn't stop the clock. an objection does. either way, you're getting the notice through USPS.

Threaten them with a lawsuit and the press. Sending a formal letter from a lawyer usually does the trick. But honestly, just be certain they actually overcharged you illegally... I guess.

The promissory note is probably for a bigger amount, maybe $16667. The creditor sent it over to the Federal Reserve with a note saying "they owe this much," and then more costs popped up later that they're also on the hook for, so they just sent another notice saying "now they owe this much too."

Basically, the creditor can go after whatever is due. If part of the debt became due after they already sent the note to the Federal Reserve for the initial amount—but the note covers everything since it's all from the same deal—there's no reason they can't demand that extra bit too.

I'm making this sound complicated, but I hope you get what I'm saying. If someone is paying this as a guarantor, the creditor will eventually give them a receipt showing exactly how much was paid so they can sue the main debtor to get their money back.

The easiest way to check is through the Federal Reserve. Just ask for the details on the specific enforcement order being used; it should all match up under the same OV-... number.

Let me guess, his guarantor signed off on a promissory note? That's probably the only way they could freeze his accounts without even giving him a heads-up.

So, what even is an "appeal against a levy"
?

Look, your question is super confusing. I honestly have no clue what you're even asking. Maybe just go read Article 14, specifically Section 6 of the US Civil Code.

That article you quoted above? It only applies to interest rates—like, specifically when an interest rate changes.

The big question is whether filing an enforcement motion in court actually resets the statute of limitations. Look, I get what Rebecca White4 is saying—if a court shuts down an enforcement action because the creditor messed up, all those previous steps basically vanish and it's like the clock never even started ticking. But... if the creditor kicks off a whole new enforcement process at the same time using a certified document, and that gets pushed into a full lawsuit after an objection, then yeah, rules against double jeopardy/litigation would pretty much block them from resetting the clock.

Anyway, regardless of all that, the more I chew on it, the more I’m leaning toward option 1)

But wait, has the debtor been fighting this debt in court the entire time, or did they actually admit at some point that they owe it? Like, have they made any payments at all?

I’m betting on 4), right when he filed the motion for garnishment.

So why the hell was it thrown out?

Look, just read the fine print on that loan. There’s probably some clause in there saying if you miss a couple of payments in a row, the whole damn balance becomes due immediately.

I'm pretty sure the loan is tied directly to your checking account, right? Like, I've got one myself and I never even get a bill in the mail—it just hits my balance via autopay. If we're talking about the same thing, then if the rest of the balance drops all at once, it should just show up as a negative on your checking statement. I guess it’s cold comfort, but hey, at least it isn't three separate payments.

Just head down to the bank and find someone you can actually explain what an attachment means to you, since you don't have any assets or property to their name. I guess I don't know how JPMorgan Chase handles this—like, do they send notices through local branches or just dump stuff like this over to some corporate headquarters that manages bad debt? Try to figure that out first. You don't want to end up negotiating with some guy at a branch who’s totally clueless and has zero power to help you (there are plenty of idiots out there). Basically, find out who actually owns your file and who’s in charge.

Second thing, just pay whatever you can afford, $6.75, $6.75, $33, $33. If you can swing more, great. It’d also be smart to keep the payments on a regular schedule.

Besides, they don't really have anything to seize, and if you trigger an attachment, they'll just hit your accounts (which are empty anyway). Obviously, the headache is that the debt will grow because of the collection fees—depending on the main balance, maybe $1,000 to $667. Don't worry, nobody's gonna show up at your door. Once you land a job, if they try to garnish you then, you can just open a protected account.

Third thing, banks usually sue for overdrafts and credit card debt separately (if it's a legit credit card and not tied to your checking), so don't be shocked if you suddenly get slapped with two different attachments.

If you just pay it off, the total damage is $333. But if you wait more than 8 days, you're looking at the bill plus legal fees. Maybe try actually reading the thread for once.

Possession goes to whoever actually moves in. You probably think you can just sign up as the owner or something? I guess JPMorgan Chase can't even start an eviction or foreclosure on that apartment while it's stuck in a trust. At least, that's my take on how they'd even try to pull that off. 🙂

It happens, people mess up transfers all the time. Once that money leaves Fidelity, you aren't seeing it again—it’s just gone. Your only hope is getting it back from your employer. They screwed up, and if they’re actually decent humans, they should cover the mistake themselves. I mean, whatever, someone in accounting tripped up and they'll be the ones feeling the heat.

aha. ok.

Just pay everything into the HR account and fax the slip over to Hanzekovic—you can find their fax number on the proposal. Honestly, you should probably call them in a day or two just to make sure they actually handled it. Like, check if they pulled the notary fees. They deal with a massive backlog and an insane amount of faxes, so it doesn't hurt to be a little paranoid. You don't want someone overlooking it and having the whole damn thing automatically charged to your Fidelity account. Just be ready to wait on hold forever because everyone calls them constantly. But hey, they stay open until 6 PM, so just hang in there.

And seriously, MANDATORY: when you fax it, make sure you clearly state which file number it’s for in the top left corner (under "Our Ref:...").

Watch out, though—if you just fax the payment slip without warning, they might treat it like a formal dispute and rush the whole thing to court. Better to just call the notary directly and confirm they got the funds.

vividraven26 said:Alright, so what am I supposed to do when the paperwork only gives me the info for a standard PBS payment slip instead of specific details for the law firm or the notary? How am I even supposed to pay parts 1 and 2 separately?

You think they just padded everything? I mean, this is a notary's decision, but the proposal came from a lawyer? I gotta say, I've never seen anything like that before.

But, I guess, basically, there should be a copy of the certified document attached to the proposal. Based on that, you could probably figure out the exact amount by looking at the attorney fee schedule and maybe checking in with the notary to verify the costs—just a little math, I suppose.

@ strasna mama

The judgment for enforcement breaks down like this:

1) the principal amount (the actual balance you sued over), say $167 (listed as "VPS" in the judgment) — interest starts running from when each individual bill was due, which is noted right at the start of the document

+
2) everything else listed AT THE BOTTOM of the judgment, which is:

attorney fees for drafting the motion (x dollars + tax)
clerk fees (x dollars + tax)
postage/service fees (x dollars + tax)

interest runs on all that stuff starting from the day the judgment was issued (usually the same day the motion was filed—look for the "received on date xy" stamp on page one

+

if you don't pay within 8 days of getting the judgment or if you don't file an objection

3) the remaining costs, which look like this:

finality clause fee $10 + tax
review of finality clause $83 + tax
drafting fees for serving notice to parties involved in the enforcement (x dollars + tax)

= total cost.

So, if you pay within 8 days, you just pay 1+2.

If you pay after 8 days without filing an objection, you're stuck paying 1 + 2 + 3.

yeah, thanks 👍