Posts by John Clark6

Congratulations! I really think you should have probably handled that first step before jumping straight into posting the request...

This is actually the first time I'm hearing about this—especially considering how tiny the amount is... and, well, if we're looking at the statute of limitations, five years have already passed since the notary received that enforcement proposal

Ashley White said:What is even the point of mortgage loans and paying ten times more for them than when a property isn't tied up in a mortgage? (Or is the second half of that question actually the answer itself?)

Well, I suppose it's so you don't have sixteen different debt collectors breathing down your neck and... well, let's just say they won't be very polite if you miss a payment... sorry about the colorful language there!

P.S.—Honestly, dealing with big banks makes zero sense—you borrow $500,000 and end up paying back a million... I wouldn't even bother trying to find any logic in it if I were you!

George Clark19 said:But wait, what if that isn't even an actual insurance instrument?

Has anyone else felt like they were being completely ignored when their notary was supposed to be reading through—and, more importantly, *explaining*—the fine print of a loan agreement with the Bank? I mean, seriously... I distinctly remember mine going out of her way to emphasize certain points to me... right before the final signing...

Laura Cox said:Hello,

I’m looking for some guidance if anyone can offer it.. My brother has been living in a commune for about a year now; he's divorced and has a child around eighteen months to two years old. Recently, my mother tried to check through the IRS to see exactly how much debt he carries and whether there are any pending garnishments that might eventually land on her doorstep..
What she found was quite significant—a total debt of $13 with interest reaching roughly $20 stemming from various sources (Verizon, AT&T, traffic fines, etc.).
Can anyone suggest a way to stop this debt from spiraling? Is there any mechanism to halt the interest accrual, or perhaps a way to have some of it forgiven?..
It’s becoming incredibly difficult for Mom to cover this out of her own salary, and she’s feeling lost; she can’t take out a loan because she’s already maxed out on her existing credit..
If anyone understands the best course of action in a situation like this, please reach out with advice. I suspect my brother won't be returning anytime soon, and even when he does, paying this off will be an impossible task.. the amount is almost certainly going to balloon further..
Thanks in advance!

The deadline for filing a request for debt forgiveness has already passed... so, that's that. Those were the available options—now, the debt is just going to keep growing and growing, and there's no statute of limitations to worry about as long as they keep renewing the collection proceedings and such...

I mean, it’s kind of like how things work over at CNN... you’re technically supposed to pay, but then again, maybe you don't have to... though if you decide not to, I guess you might end up facing a courtroom—but honestly, for an amount this small, it probably wouldn't even be worth the hassle!

I mean, seriously, who’s actually claiming you were the one downloading...? They’d have to prove it—which, let's be honest, they can't. All they have is your IP address. It's not like I haven't sat out on a patio at a local Starbucks with my laptop, using the free Wi-Fi to stream a movie or two—and if the owner gets in trouble, that's hardly their fault, right? You know what I mean? Almost every cafe or restaurant these days has wireless access. So, you've got plenty of ways to defend yourself... maybe someone else just logged onto your connection or something. I don't know the specifics, obviously, but I really don't think they can pin anything on you. At least in my book, they wouldn't be able to pull a stunt like that on me!

Joseph Brown84 said:So, a friend was hanging out at my place and downloaded this movie online. Neither of us realized it was actually illegal. Now I’ve got a fine sitting on my desk. The funniest part? I don't even know how anyone does that stuff. My friend already headed back to America.
Is there any way I can get out of this? The fine is pretty steep.
I mean, if someone else is driving your car and they get a ticket, the driver pays, not the owner, right?
Why wouldn't that logic apply here too?

I think we've touched on this topic before... if I recall correctly, the general consensus seems to be that those letters from law firms (even over in Germany) are basically just a high-pressure tactic—sort of an "appeal if you feel like it" situation—because, well, there are a million different ways you could potentially defend yourself.🙂

Daniel Reed68 said:If that’s what you're referring to—I saw that, but we're already talking about an actual court proceeding now, not just a seizure proposal.
I'm wondering if there's a specific legal term or something for this situation. A long time ago, we filed an objection regarding part of the bill being past the statute of limitations, but we never heard back—no response, no court summons, nothing. I really don't want us getting hit with all these extra costs after a hundred years of waiting...

Well, it won't just stay as it is—it turns into a full-blown lawsuit (civil litigation) once you file your objection... and as for not getting a response to your objection, honestly, why should you worry? As long as you filed that objection on time, you're in the clear!

Go ahead and give your mouse a little scroll upward—you’ll find the answer right here on this page!

Patrick Doyle70 said:I’ve been scrolling through these forums for ages, just hoping someone might actually have an answer for me. I’d be incredibly grateful if anyone could help... Back in 1995, my husband shut down his small business and, predictably, he stopped paying his taxes. Well, last Tuesday, we got hit with a formal warning from the IRS regarding seizure proceedings at $19667. We don't have any money, and my husband isn't working right now. What happens next? Is there any chance the statute of limitations has kicked in by now? Who do we even talk to about this? If anyone has any insight at all, I would truly appreciate it...

Well, if they haven't actually initiated the seizure yet, the statute of limitations for those contributions is five years—though it jumps to ten years absolutely (if the seizure process has already been started)—and for taxes, it's three years... so, I guess you'll just need to invoke the statute of limitations if they do decide to move forward with the seizure.

Brian Morgan25 said:An interesting little situation here?

So, after I filed an objection regarding the statute of limitations on the account, I got a summons from the court for a civil lawsuit.
I also received a filing from the prosecutor—which they’ve since amended—where they actually concede the statute of limitations, but now they're trying to claw back their own legal fees!

My question is—can I actually demand that the plaintiff covers my legal costs during the pretrial hearing, just because they're the ones who dragged this whole mess into court in the first place?

Well, the whole thing was kicked off because you weren't meeting your payment obligations... though, you can certainly argue to have those costs reduced based on how much you won in the dispute... for instance, if the Visa balance was $667 and $1,000.00 was written off, you might end up only owing 50% of the legal fees.

I think I'll go with this first one... 🙂

Exactly! Honestly, it’s probably better to just keep your mouths shut and settle up—especially since you’re the ones who caused this mess in the first place by admitting you didn't pay... I mean, there really isn't any point in us trying to offer legal advice here, because I suspect you'll just end up racking up even more unnecessary fees for yourselves...

Is it really true that an enforcement can only be carried out strictly according to the Bankruptcy Code??? I mean, that’s exactly why these discussions exist—so people can ask questions and actually get some guidance... It’s only natural that laws evolve over time, right? They have to adapt to keep up with everything happening in society...

I mean, honestly—what difference does a change in the law actually make here? The core topic remains exactly the same, doesn't it?

Oh boy... that actually makes things even more complicated for you—especially since there isn't even an absolute statute of limitations to fall back on here...

Angela Wright4 said:Sure, they might be taking some, but are we really talking about thousands upon thousands of dollars? I mean, we're bordering on tens of thousands at this point, right? It just doesn't seem possible...

If you look at your $167 (the ones you mentioned), we actually end up looking at tens of thousands of dollars...

Angela Wright4 said:Where could the money have gone???

An account levy has started on my checking account following a court judgment.
I’ve been looking at my transaction history. My bank claims—and even provided a statement showing—that they transferred about $333 to the seizure account.
Then I check with the IRS, and they give me their own transaction report. According to their records, the amount collected via the levy was $167.

The actual amounts involved are much higher, but there is this consistent 2:1 discrepancy. What could possibly happen to the difference in funds that the IRS doesn't see, even though the bank insists they already sent it out??? Who do I contact to get this investigated? Everyone seems to be playing by their own set of rules and pointing fingers, while I'm just left here wondering where the money actually went. Seriously, who should I reach out to...

The IRS charges a specific fee for processing the garnishment...

I suppose there’s a certain truth to the idea that if someone isn't even willing to put in the effort to learn the basics—you know, actually trying to understand the situation at hand—then they haven't really earned the right to ask for a helping hand...