Posts by rowdyraven112

Kyle Ruiz5 said:Hey. I’ve got a question, and I’m hoping someone can clear this up for me—I know this topic has been dragged through the mud on this thread already, but I haven't had the chance to catch up on everything yet. I just got hit with an enforcement order because of some unpaid Verizon bill from back in January 2012. According to the paperwork, I owe about $233 total, including all the extra fees and whatnot. I called up the law firm handling it, and they’re claiming I owe $300, basically telling me I should just call Verizon myself. So, I went down to a Verizon store and showed them the bill from that month, and they told me that I don't actually owe anything for that one month—it’s actually for December 2011. Of course, I don't have that specific bill on hand. My main thing is, could this be a statute of limitations issue? If the bill is from 2011 and they didn't send the enforcement order until 2014, does that hold water? Thanks for any help. In the meantime, I'll keep digging through this thread, maybe I'll find the answer 🙂

So, the enforcement is for a January 2012 bill. You already paid that bill. File an objection to the enforcement immediately. Everything you need regarding objections is on the previous pages (three copies, www.uscourts.gov — you can draft an objection online for free, plus get a tax certificate to waive court costs). In the objection, state clearly that the bill was paid and demand that all enforcement costs be shifted back to the creditor. This only holds up if the bill was paid before the enforcement proposal was filed with the notary (check the date on the front stamp that says FILED)
In your case, the statute of limitations is likely 3 years. If you just want this mess over with, pay the bill. If you want to gamble, wait until December of this year when, in my opinion, the statute expires. Go ahead.
If the court forces you to pay $33 for the resolution of the objection, those $33 can be recovered from Verizon in the same way 😉

Megan Edwards5 said:Hey 🙂

So, I woke up this morning to a freaking collection notice for some supposed "debt" of $100—it’s basically just an unpaid fee for my diploma that I haven't cleared yet (even though my actual tuition was paid in full on time). It's regarding an elective course from back in the day, like
2010-2011.
The real kicker here is the legal fees they're slapping on me; they're 3x higher than the actual debt itself, coming out to about $333🙂. Does anyone know if it's even worth trying to fight this, or should I just try to cut a deal with them to pay it off in installments? 🤷 Honestly, I'd have to borrow the cash since I'm currently unemployed and don't have any income coming in. And for the record, I never even got a single warning or heads-up before this hit my doorstep
.
I'm not denying that I owe the money, but these legal costs are absolutely insane

Too expensive. At least, that's what the commercial says.
Look, start by checking the standard fees for public notaries and lawyers somewhere online. Do the math yourself. In my opinion, the maximum fee you should be looking at for that amount is around... $167 I'm speaking from memory, so don't take this as gospel.
When you're filing an appeal, you have to keep one thing in mind: the courts charge you. $33 The court just issued an order to freeze the foreclosure. Why? Because I haven't turned in proof that I don't owe property taxes, plus a formal request to waive the legal fees. If I remember correctly, the three-year statute of limitations starts ticking from the moment that order is handed down. Right?
Look, regarding these costs... I've been staring at a whole lot of nonsense lately. And I mean real nonsense.
As far as I'm concerned, here’s how it should be written:
Notary fees.
Legal fees.
The finality clause. That's what we're talking about. It's the point of no return. Once that hammer drops, the case is closed. No more arguments, no more appeals, no more wasting everyone's time. You either deal with the verdict or you don't. Simple as that.
Sales tax. That's it.

I’ve seen plenty of mindless garbage like this before:
Serving papers via a notary public.
Handing this over to FIFA for enforcement.
....

Don't even get me started on the rest of the nonsense. Honest, transparent law firms? They’re hard to find. I've got a question for John Clark6, since he’s the only one here who actually seems straight with us. And look, don't take this personally, guys, but sometimes you all just talk out of your asses. 🙂Isn't hiking up these collection costs just a blatant scam? Look, if I bill someone for a service I didn't actually finish, that's fraud. It's breaking the law because I'm knowingly trying to rip someone off. So why is this any different? Can debtors actually point out this attempted fraud when they file an objection? And let’s clear up the mystery surrounding these fees—where exactly can you find the official regulations on collection costs online? I've had a few friends ask about this. I really hope there isn't some vague "it goes without saying" excuse used to hide the numbers.

Thanks for the intense debate over the "call to numbers." Didn't realize it would spark such a little spat. 🙂

If I were in that position, I’d be filing a formal dispute for the full amount. I’d also hit up accounting and ask them to just issue a corrected invoice for the actual total. Simple as that. $100 Can I just mark this payment as tuition?
By the way, what kind of agency are we even talking about here, if it isn't classified?

John Clark6 said:Honestly, I really think you need to go back and double-check your records—if you were actually required to provide proof of payment, then... well, the best move is probably to file a formal appeal with the proper agency—maybe the IRS?—and make sure to include the receipt, sent via certified mail just so you have that paper trail. If you don't have any documentation at all, I guess there isn't much point in pursuing this further. It’s highly likely that the payment was just sent to the wrong person or department by mistake.

Now I don't get it. If I include a specific reference number on my payment slip, the reason for the transfer is crystal clear. It shows up right away in the accounting department of the company receiving the money. So why bother sending proof of payment when their own accountants can see it without any trouble? And here we are screaming about "digital transformation."

Take apartment owners, for example. They all have nearly unique reference numbers for their monthly bills that only change by a few digits depending on which utility company issues them. Look at my situation. The apartment is in my mother's name, and the bills arrive in her name. I pay those bills regularly from my own account—using my own name—via online banking. Of course, I include the reference number. How is it that no utility company has ever tried to garnish my wages or even send a warning notice? My balance for all previous bills is zero.

That’s why I asked if he included the reference number on the slip. If some incompetent accountant at the courthouse messed up the bookkeeping, that's on them, not the individual. I deal with my company's accounting department constantly; they handle massive monthly turnovers, and at any given moment, they know exactly who paid what and why. Unless he failed to include the reference number, then he has to admit he screwed up.

Kimberly Stewart97 said:Hey there,

I just walked out of the Supreme Court after showing them my receipt, and let me tell you, the response was infuriating. They basically told me that while the receipt proves I paid, it doesn’t prove they messed up or lost their copy. Instead, they’re operating under the assumption that I’m the one who kept all the copies at home instead of handing theirs over. In other words, they aren't taking any responsibility for their own incompetence, and according to them, I should have demanded a formal confirmation from them when I handed the receipt over in the first place. 🙂

They did send word to the IRS to clear my debt, so things should be settled in a few days, but now I’m facing a whole new headache. There are legal processing fees totaling $47 + $22 that the IRS is using to freeze my account. Obviously, I don't consider myself liable for these costs caused by someone else's negligence, and I have zero intention of paying them. Since my paycheck hits in a few days, they’ll just snatch that $68 right out of my account without a second thought. The IRS told me to file a formal complaint, but when I called the complaints department, they claimed those specific costs are the court's responsibility. When I went back to the court and relayed what the complaints department said, they actually laughed in my face! They said they aren't responsible and won't pay a dime; they told me if I want my money back, I can write a letter to the Department of Justice and ask for it myself. However, the folks at the IRS warned me that nobody has ever successfully gotten reimbursed through that process.
Also, I asked the court to point me toward the proper procedure for filing a claim for damages, and everyone just gave me this condescending little laugh—as if I haven't suffered enough damage already! 🙂 To top it off, they refused to provide any guidance on how to proceed, essentially telling me to just "figure it out myself." I forgot to mention that this was handled as an infraction, so the standard enforcement laws don't apply here; we're dealing strictly with misdemeanor regulations, or so I was told.
What am I supposed to do? Any advice would be greatly appreciated..

Did you have a specific reference number when you made the payment?

Ethan Gonzalez69 said:Heh, so I actually gave Prima Solvent a ring yesterday! After being bounced around through two different transfers, I finally got a woman on the line. I explained the whole situation and gave her my basic info, but get this—she couldn't find me in their system at all! It’s like I don't even exist to them, which is pretty wild considering it's only been three days since JPMorgan Chase handed over the debt (at least, that's the date printed on the letter they sent me). So, I just left her my cell number and now I'm just sitting back and waiting for them to give me a call...

Bottom line? Don't pay a dime until you know exactly who you owe.
Get everything in writing. Seriously. Go straight to JPMorgan Chase and demand a formal confirmation stating that, as of today, you have zero balance left on that specific card. As for this other company? I'd suggest getting the same kind of paperwork from them too. Here's the deal: that firm doesn't actually want you to settle up immediately. They want to drag the debt out for as long as possible. Just go directly to their office and demand the documents.

rowdyraven112 said:Sorry to interrupt, but about two or three months ago, I handled a case where the writ of execution didn't list the date it was actually filed with the notary anywhere in the proposal... it showed the date the document was drafted, but not the date the notary officially received it (went to the eye doctor recently, apparently my vision is perfect 😉 )... on the writ, besides that date, there was also the date the order was issued... so... from then on... I advised a colleague to file an objection based on the statute of limitations (since it involved items that expire after one year) regardless of the fact that the electronic timestamp for the draft predated when the guy actually paid... at the end of the day, the creditor still got their principal back anyway.

John Clark6 said:exactly, that's the crux of it! You have to look at that specific date. If they paid after that point, you calculate the statute of limitations from when the notary officially handed down the decision—not from when you first received it, nor when the lawyers typed it up... ahhh... you'll see for yourselves eventually 🙂

So here’s the deal:
There should be three dates on an enforcement motion, right?
First, the date someone typed it up, copy-pasted it, or otherwise drafted the motion. That's the creditor's date.
Second, the date the court, the notary, or some other third party with authority stamps on the front of the motion to make it official. A judge or notary puts this one on.
Third, the actual date the enforcement order is issued. Again, that's the court or notary's doing.

I've dealt with three different cases now where that second, most critical date was practically missing. How is a debtor supposed to calculate the statute of limitations without that date?
😉
Interesting, isn't it? Someone's trying to pull a fast one. I wonder if people are expected to know about this "minor detail" when filing objections, given how often they use the excuse that "ignorance isn't a defense." 😉.
In all three cases, the principal amount was eventually paid, just late.

So, my suggestion for these people: file the objection for the statute of limitations or not? If that second date exists, I'd tell them immediately which legal fees they're stuck paying.

casualjackal14 said:Hey everyone, I could really use some help cracking this ridiculous PIN situation on the IRS website—I keep getting hit with this annoying error message:

"Crypto device support is not ready. Please verify that the correct crypto device support is installed."

I’ve tried installing every version of Java under the sun, swapped between IE, Mozilla, and Chrome, even went as far as disabling my antivirus entirely, but nothing works! It’s just the same frustrating loop over and over...

...maybe plug the crypto device or the USB smartcard reader into a different USB port? Anyone got a clue...

I've had my fair share of fights with customer service at both the IRS and the Treasury. "Ping pong" doesn't even cover it. Eventually, they just nonchalantly told me to reinstall Windows... that day, I was busy "getting intimate" with Maja Blagdan and Jelena Rozga at least 73 times... luckily Mišo Kovač didn't cross my mind... just wipe everything and take it slow with the installation... if that fails, try older versions of Explorer and Java... for example, on one computer of mine, the ActivClient app from the IRS site wouldn't work... after endless reinstalls, I grabbed the app from the Chase site and that actually worked... not to mention how the Treasury had issues with the new Java version over the last month, so I blocked the installation for a while (not sure if it's still an issue, but my Java is still blocked)...

John Clark6 said:Wait, what are you even talking about? I mean, honestly—you can just look at when the notary received your specific enforcement order and compare that to when you actually sent the payment via your bank transfer... if you add 2 and 2, you'll know pretty clearly whether you were on time or not! As for avoiding the debate, maybe you could just file a motion with the court stating you're withdrawing your appeal so they don't need to schedule a hearing—and, of course, make sure to attach the receipt showing you've cleared the balance.

Sorry to interrupt, but about two or three months ago, I handled a case where the writ of execution didn't list the date it was actually filed with the notary anywhere in the proposal... it showed the date the document was drafted, but not the date the notary officially received it (went to the eye doctor recently, apparently my vision is perfect 😉 )... on the writ, besides that date, there was also the date the order was issued... so... from then on... I advised a colleague to file an objection based on the statute of limitations (since it involved items that expire after one year) regardless of the fact that the electronic timestamp for the draft predated when the guy actually paid... at the end of the day, the creditor still got their principal back anyway.