Posts by Daniel Chavez9

John Clark6 said:Oh man, I honestly think you might be missing the bigger picture here... if you really want to get up to speed on what’s actually going down, maybe try scrolling back through the previous pages? It might help clarify things!

The mistake was entirely on their end, and everything is sorted out now. They didn't block me, and the repayment terms remain exactly as we originally agreed.

As for "John Clark6," take that attitude somewhere else if you don't have anything constructive to contribute to the conversation.

Thanks to everyone who stepped up to help me out—you know who you are.

Look, I handle all my payments through PrimaSolvent, and honestly, I highly doubt they even have the authority to issue a verbal agreement for an installment plan.
Everything we discussed was strictly a verbal handshake deal.

That’s exactly why I asked you guys earlier—who actually is PrimaSolvent? Are those legal threats just a scare tactic to rattle people, or are they legitimately hitting bank accounts?

My old man dealt with some IRS issues once, and when the notice arrived, he was forced to sign off just to acknowledge he’d received it.

I haven't signed a single thing, and to top it off, I actually found one of those notices sitting in my neighbor's mailbox.

Technically, I could probably claim I never even received it, couldn't I?

ruggedmaker2 Asks:
How exactly does that work?
Look, at the end of the day, you're the only one who truly knows what kind of mess you're dealing with. You're the only one sitting in the driver's seat, so you're the one who actually understands the reality of your situation.

It sounds almost impossible to me that Comcast hasn't been sending you bills for this long. Something about that story just doesn't sit right with me. If you actually gave them the right information—I mean, if you provided a legitimate service address—they definitely would have been getting those invoices out to you.
Since you were already heading over there to grill them about those bills, why didn't you just ask them to print out your payment details right then and there? They can easily do that. Or, at the very least, you could have had them shoot the info over to your email. It’s not like they make it difficult.

Why didn't you just open an account on their website? It’s actually pretty straightforward—you can just download all those bills directly onto your own computer. It saves so much hassle in the long run.
Take a look at this. Right here. .

I’ve got my home internet and TV bundled through one provider, while my mobile plan is handled by another entirely. I don't bother with paper statements at all—nothing ever shows up in my mailbox anyway. My routine is pretty straightforward: I just log in to their respective websites, download the PDF, settle the bill, and call it a day. It's efficient, if a bit disconnected.

If you stop paying off a debt for a few months, it’s just basic math at that point—you can pretty much expect a garnishment or some kind of legal seizure to follow. It's not a mystery; it's just how the system works.
Look, if there’s absolutely no way you can settle that debt by the deadline, they’re going to freeze your accounts. It’s just how the system works. At that point, your best move is to set up a protected account for your shielded income—and since a scholarship counts as protected funds, they aren't legally allowed to touch it for garnishment. Once that’s sorted, you can just chip away at the balance bit by bit, at whatever pace you can actually manage.
Sure, you’ll be looking at interest piling up and those inevitable legal fees from the repossession process, but honestly, it is what it is.
Just make sure you get that protected account set up well before your usual scholarship payout date hits. You want to give the IRS enough lead time to send the official notice regarding the protected account number over to the payer, otherwise, things might get messy with the timing.

Alright, let me break this down for you.

Back in March, I moved to a new place and made sure to notify customer support right away. You’d think that would be the end of it, right? Wrong. They completely dropped the ball and failed to update my delivery address with the billing department. Despite me calling them over and over again to fix the mistake, they kept sending my statements to my old place near Central Park all the way through June. It’s frustrating, but at least I have everything recorded—every single one of those calls was logged, so if I ever need to prove they ignored me, I've got the receipts.
Back when I was with Comcast, the app only let me peek at my call charges; I could never actually pull up the full itemized bill with the 2D barcode. Now that I've switched over to AT&T, I’m running into the exact same limitation. However, I managed to get an automatic payment plan set up with them right away, so at least I won't have to deal with any late payment headaches.
At the end of June, I moved back home to Cleveland. When I made the switch, I specifically called to have my final bills forwarded to my new address, but they never showed up. So, I headed down to the local Comcast service center in person to get it sorted out. They were all apologetic, promising me that the statements would be sent over shortly, but once again, nothing arrived. I eventually gave them another call to see if I could just wire the balance directly to their account number to settle things, but they told me that wasn't an option because my contract had already been terminated and I was technically no longer a customer. Honestly, being met with that kind of bureaucratic nonsense—which makes zero sense given I'm trying to actually pay them—just completely drained me. I ended up giving up on the whole thing.

Since October, I haven't received a single bill at any of my previous addresses, nor have they shown up at my primary residence. It’s like my mail just vanished into thin air.
Back in November, PrimaSolvent reached out to let me know I needed to settle my entire outstanding balance. Once I laid out the whole mess I’d been dealing with regarding Comcast, they actually went ahead and touched base with them. It turns out Comcast apologized for the headache, but according to the law, PrimaSolvent still has to collect the debt regardless. We eventually managed to work things out, and we agreed on a three-month installment plan to get it all squared away. $83.

And then they went and pulled that classic blunder—sending me a formal notice of intent to sue even though I’m already on a structured installment plan. It’s one of those "oops, we didn't check our own files" moments that makes you wonder how these big outfits function at all.

The installment plan officially kicked off on November 1st, which means the second payment isn't even due until December 1st. Yet, here we are, receiving a pre-lawsuit warning on November 18th. If I had missed a payment or failed to stick to the schedule, I’d certainly understand why they were breathing down my neck. But this? This makes absolutely no sense. It's just absurd.

So, I put this question out to you all—my esteemed legal minds on this forum—and I’m still chewing on it. How is it actually possible that someone who is on a structured installment plan, and is paying those installments religiously on schedule, suddenly gets hit with a formal notice of intent to sue? Is this just some aggressive intimidation tactic by the bank, is it an error within the App, or is there some legitimate legal loophole that makes this a real possibility?

Also, how is this even possible when we're talking about such a pathetic amount? A measly 400USD.

If someone owes over 20,000, I get it. They go after you. But doing this to me?

Basically, I have $200, I pay those 400, and I’m left with $67 to survive the entire month.

All I did was ask if I really needed to pay the full amount right now, or if it would be smarter to just ignore the notice, pretend it never arrived, and just pay the next installment on schedule like I originally planned.

I honestly thought I might find some actual support or helpful advice here. But no. It’s easier for everyone to act like it’s entirely my fault—like, "too bad for you," even when you're just a 20-year-old student trying to get by—rather than actually offering some practical perspective on what makes sense.

And frankly, I don't see what they can even accomplish with this legal action. If my scholarship gets deposited into a different account, there’s nothing for them to freeze or seize anyway.

Why aren't they focusing their energy on the people who actually owe money and have assets worth taking?

Is there seriously nobody out there who can actually help me?

So, here’s the situation: I’m dealing with some outstanding debt involving Comcast.

My contract ended back in July, and I decided not to renew it because they completely failed to send me any invoices for May, June, or July.
I spent the entire summer calling them up, begging them to just send the bills so I could actually pay them. I even went down to one of their physical locations in person. Each time, they just gave me the usual runaround—"We'll send them over," "Yeah, we'll get back to you," etc.

Then, on October 27th, I get hit with a formal demand notice from Solvent LLC regarding those unpaid bills, totaling $233.

I called them immediately to explain the mess. I told them straight up: I’m a twenty-year-old student living entirely off a scholarship with zero income. I asked if we could just work out a payment plan.
They seemed fine with that, so we agreed on three installments of $83 each.
I paid the first installment right at the start of November, fully expecting to clear the rest over the next two months.
But then, today—November 25th—I receive a pre-lawsuit notice stating that I have until November 28th to settle the full $150 balance, or they’ll move toward garnishment.

What am I supposed to do? How am I supposed to eat? To make matters worse, this was supposedly sent on November 18th, yet I only received it today, the 25th (and I live in New York City, just like they do).
If I pay this now, I’ll be left with absolutely nothing. And when I call them to point out our agreement, they suddenly play dumb, claiming we never discussed an installment plan in the first place.

I'm stuck in a bind: do I pay the money and go broke waiting for my next scholarship check, or do I hold out and risk the legal action, which will likely snowball into even higher costs with court fees and whatever else gets tacked on?

It honestly feels absurd that someone would come after me for a debt of $100. For a student, that's more than half my monthly stipend. If they had just sent the bills when they were supposed to, none of this would even be an issue.

Any advice?

What happens if someone takes six 5 mg tablets of Ativan, 100 mg of Lariam, and two 0.5 mg doses of something else? Is this kind of dosage actually lethal, or am I just looking at a very long nap?

I’m calling out to any experts hanging around here—I know there are plenty of you—please weigh in. To everyone else: if you have follow-up questions, keep them to yourself. There are specific reasons why I’m not reaching out to an ER or a doctor directly; the situation is far too complicated for that. Just be human and help me out. Thanks.