Posts by Susan Chase70

It all hinges on whether you're dealing with a court order or a notary's 2008 writ of execution. If it’s the latter, you should only be on the hook for the drafting fee, the filing fee, and the service costs.

Your best bet is to call Law Firm XY immediately and get some clarity.
If you aren't disputing the debt, just pay it right away... it’s better that way.
Before any accounts get frozen, a potential 2008 writ of execution has to become final and enforceable. That means they have to serve you at your home address to allow for an objection...
You need to move fast before this hits the sheriff's office. If you don't, you'll just be stuck paying extra legal fees and sheriff costs...

rowdyraven112 said:Anyone can open a protected checking account whenever they want. It doesn't matter if there’s actually any threat of being sued or garnished. You just send a letter to your employer and reroute two-thirds of your paycheck straight into it immediately. Simple.
If you're facing any kind of garnishment, opening a new account isn't some luxury—it’s a necessity. It's pure prevention. The IRS and your bank don't give a damn about the law or whether they're only supposed to take a third or half of your paycheck. If even one cent hits that frozen account? They'll grab the entire damn thing.
Based on what I’ve seen from everyone posting here, getting back funds that should have been exempt from execution comes down to one thing: whether the creditor actually feels like being a decent human being. It’s entirely up to their good will. Honestly, I haven't run into anyone who actually sued the bank, the IRS, or the creditor for violating the enforcement law—you know, when they seize an entire paycheck or funds that are legally protected. Why? Mostly because people are too broke to afford a lawsuit, and frankly, most lawyers won't even touch it because there's no money in it for them. Is it worth it? Probably not. 😉

You can't just open it whenever you feel like it... It only becomes possible once the writ of execution has been finalized, and then the debtor is responsible for proving everything to the IRS. According to the regulations regarding the methods and procedures for enforcing levies on monetary assets...

rowdyraven112 said:It means the law firm is going to start seizing your assets.
So you were just living large on those cards? Married a sugar daddy or something? 🙂
By the way, what kind of limit did you have on that Mastercard that you could pull that much credit? $10 That means your take-home pay had to be at least $3.25 net. You must have been working some high-level management job.😉

That part is purely psychological. Just a scare tactic to make you shit your pants so you'll scramble to pay the debt immediately.

Call the Law Firm XY and set up an appointment. Explain your situation and negotiate a payment plan based on what you can actually afford. Try to agree to have an administrative garnishment placed on your income capped at one-third of your paycheck until the debt is cleared. When negotiating that garnishment, avoid any sentence that mentions interest. Focus on paying off the principal first. If they refuse to cooperate, send a formal written notice to both your bank and the law firm making the same request. Send those inquiries to the processing department at the bank and the law firm, or via certified mail so you have proof they received them.
Here’s the catch. The catch is that an administrative garnishment is basically just another form of execution, except you get to decide what gets paid off first—and it's better for you to tackle the principal first. Any refusal from the creditor to allow this is just their attempt to screw you over and rack up extra fees.
And finally, regarding the part about seizing assets—it's also a good idea to transfer the title of your personal property and real estate to someone who doesn't have any liens against them, if you think you won't be able to meet the obligation.

Where exactly is this written? Under the obligatory relationship law, costs are settled first, then interest, and only then the principal... though the creditor does have the option to set their own order of priority. It would be just lovely for creditors if debtors were allowed to dictate their fate like this...

rowdyraven112 said:It means the law firm is going to start seizing your assets.
So you were just living large on those cards? Married a sugar daddy or something? 🙂
By the way, what kind of limit did you have on that Mastercard that you could pull that much credit? $10 That means your take-home pay had to be at least $3.25 net. You must have been working some high-level management job.😉

That part is purely psychological. Just a scare tactic to make you shit your pants so you'll scramble to pay the debt immediately.

Call the Law Firm XY and set up an appointment. Explain your situation and negotiate a payment plan based on what you can actually afford. Try to agree to have an administrative garnishment placed on your income capped at one-third of your paycheck until the debt is cleared. When negotiating that garnishment, avoid any sentence that mentions interest. Focus on paying off the principal first. If they refuse to cooperate, send a formal written notice to both your bank and the law firm making the same request. Send those inquiries to the processing department at the bank and the law firm, or via certified mail so you have proof they received them.
Here’s the catch. The catch is that an administrative garnishment is basically just another form of execution, except you get to decide what gets paid off first—and it's better for you to tackle the principal first. Any refusal from the creditor to allow this is just their attempt to screw you over and rack up extra fees.
And finally, regarding the part about seizing assets—it's also a good idea to transfer the title of your personal property and real estate to someone who doesn't have any liens against them, if you think you won't be able to meet the obligation.

Not only does producing such a transcript constitute a criminal offense, but in civil court, it’s easily debunked... which just leads to more legal fees and attorney costs being billed against you. But hey, if that's what people want...

Megan Ross20 said:Hello everyone, and thanks in advance for any insight you can offer. I apologize if this has already been answered, but I’m honestly so worked up right now that the more I read, the less I seem to process...

Here’s the situation. I just received a demand letter from Leka & Partners because I haven't been keeping up with my Mastercard payments. They’re demanding $10. I lost access to a specific stream of income I was using to cover those Mastercard bills, and between the principal and the interest, the total has ballooned to that amount. It’s not that I’m trying to dodge my responsibilities—I want to pay what I owe—but right now, I simply don't have the funds to cover the full balance, let alone even the minimum revolving payments I used to manage.

Now I’ve been given an eight-day window to settle the entire debt in full. I don't have the money, and if I don't comply, they claim they will pass a motion for execution to a notary public. (What does that actually imply?)

The letter states the following:

"Please be advised that—should you fail to remit payment as described above—our firm will initiate proceedings to recover the aforementioned claim from your wages, pension, or any other movable or immovable assets, for which we possess precise data and all necessary legal authorizations." Where on earth are they getting this data from, and what "assets" could I possibly have? I’m just a renter; there is absolutely nothing in this apartment that belongs to me...

Furthermore:

"In order to avoid additional costs and inconveniences at your place of employment or residence, we once again urge you to settle your debt before we commence formal forced collection procedures..." Inconveniences??? What kind of inconveniences are they talking about??? What exactly are they planning to do???

And finally:

"We also inform you that our office, acting in strict accordance with our client's instructions, will file criminal charges for fraud under Article 224 of the State Archives code should you fail to meet the aforementioned deadline."

What am I supposed to do now? Should I look into setting up a protected account through the IRS? Please, I need some advice. At this moment, I have no way to come up with an amount like 😢

Thanks.

That 8-day window is just an arbitrary deadline they give you before they initiate an execution proceeding based on a credible instrument. Usually, they do this based on some ledger extract, a contract, or other documents proving you took on an obligation or owe a debt.

The "data" likely refers to all the documentation from Mastercard showing your obligations. Your paycheck and your accounts are things they can target for an execution.

As for the criminal charge of fraud... whether that's just a bluff or not, you can decide that for yourself.

A protected account isn't even an option until you are officially in default/blocked.

Your best bet is to call them and try to negotiate a waiver of interest and a payment plan.

That scene where Bo has an epiphany after a smoke with Zlajf and just tells his wife to get lost—specifically, "get lost, damn you"—is peak cinema. 😂🙏
The movie is fantastic. Keckes is a legend!!

If my memory serves me right, Tomson swiped a few—if not more—electric guitar solos...