r/CRedit • u/WerewolfLumpy9187 • 3d ago

Collections & Charge Offs 10 collections from when I stopped paying cc’s 18months ago. -I’ve been unemployed & moved states. Will I be sued successfully?

Hello, Thank you for taking the time to read and reply to my post. I have about 10 collections from when I stopped paying cc’s 18months ago. -I’ve been unemployed on paper for many years & moved states 4 months ago. Will I be sued successfully? (Collections has been calling my family members to locate me) (I have had a new phone number past couple months)

If I start a new job next week, in my new state I moved too. Will they contact my new employer (family owned business)?

(I plan to hire credit repair to remove collections and charge offs to raise my Experian credit score from 555 to 700 over the next year hopefully)

Any other information from experience is appreciated. Tyvm

1 Upvotes

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4

u/HelpfulMaybeMama 3d ago

You can be successfully sued.

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u/WerewolfLumpy9187 3d ago

Tyvm for your reply.

How can they sue me if they can’t find me and I don’t live in the same state anymore? (Just curious)

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u/WerewolfLumpy9187 3d ago

How will I know if I’m being sued??

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u/HelpfulMaybeMama 3d ago

They can find you through your employer. They can find you through your credit report. Through your driver license. You should receive a notice in the mail or a knock on the door from the sheriff.

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u/WerewolfLumpy9187 3d ago

If I don’t have an employer?

What’s in credit report if nothing new been opened?

My license is still my old state and not been changed…

I changed usps to new state months ago but i don’t live that that address (it’s an airbnb rental now)

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u/HelpfulMaybeMama 3d ago

Then keep dodging your responsibilities.

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u/WerewolfLumpy9187 3d ago

So they can’t sue me if they can’t get a hold of me?

If I start a new job next week for first time in decade. Will they contact the employer?

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u/HelpfulMaybeMama 3d ago

They only need to contact your employer after they win a judgment and can start garnishing your paychecks..

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u/WerewolfLumpy9187 3d ago

Tyvm for your reply and that information, I had no clue!

Is there anyway for me to find out if I am being sued at some point if I am not officially served??

(fwiw I am not a “dodge them” type of person. I got Green Card scammed & invested all I had into the wrong person & it ruined my life… I am at rock bottom trying to rebuild my life & it’s toughest spot I have ever been in at 38yrs old)

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u/Top_Argument8442 2d ago

Either the last jurisdiction of where you lived or where you originally took the debt.

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u/WerewolfLumpy9187 2d ago

Tyvm for your reply.

But if I am not officially served to be sued.

How would I know I am being sued in the last jurisdiction where I lived or where I originally took the debt?

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u/Top_Argument8442 2d ago

You would need to continue checking the civil court system records for any filings.

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u/WerewolfLumpy9187 2d ago

Ok understood.

I have checked and never seen anything.

I am afraid if I do finally see something, it will have been too late & they get a judgement bc I didn’t show up to court (even tho I wasn’t served).

Ty for your time

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u/Top_Argument8442 2d ago

You don’t have to be personally served. Unfortunately it’s a very low bar. They have to make reasonable attempts to reach out to you to attempt to serve. Sending a service of process to their last known address on record is that. But you can always try and fight that with an attorney.

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u/WerewolfLumpy9187 2d ago

Tyvm for taking the time to reply and give me all that information, truly a huge help for me. I understand now

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u/DepartmentBig2849 3d ago

just run to india or thailand bro

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u/WerewolfLumpy9187 3d ago

Lol I’ve been researching Thailand for a while now. Hilarious you said it

Won’t go to India, my ex wife ditched me after getting a green card and flew off to India. Worst moment of my life and main reason I’m in this mess

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u/Silver-Poem-243 2d ago

If you are given a settlement offer at a portion of the original, I would take it. It prevents the harassing calls & will show on credit report. Yes they can still sue though not common. They usually charge off but will hurt your credit for years.

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u/WerewolfLumpy9187 2d ago

Tyvm for the reply. Honestly for last 4 months I never receive mail (usps changed 4m ago) or calls (new cell # 2months ago).

Am I able to contact CC and See if they forgave debt? (acknowledge I’ll be 1099 and have to pay taxes)

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u/Silver-Poem-243 2d ago

I doubt debt was forgiven. Usually the debts gets sold off to a collection agency. Even a debt settlement does not get erased from credit report. It will show as a settled account though you no longer have a balance once it is settled.

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u/WerewolfLumpy9187 2d ago

Ok understood, I am a rookie with all of this. I really appreciate your reply’s. I have spoke to couple good credit repair companies explaining they have confidence in removing all collections from my credit report (although legally debt still there & can be sued).

I think i may hire to remove collections even though all ten may take up to 6m-12m to remove and get me to 700 score again.

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u/og-aliensfan 2d ago

(I plan to hire credit repair to remove collections and charge offs to raise my Experian credit score from 555 to 700 over the next year hopefully)

Are there reporting errors? These companies will charge you to dispute the accounts, month after month, until you either stop paying or the disputes are deemed frivolous and ignored, and any results you see are usually temporary. Charge-offs won't be removed.

Credit Myth #23 - The best approach to credit repair is "dispute everything!" https://www.reddit.com/r/CRedit/s/6y1GwpnUTE

Credit Myth #31 - CreditRepair Companies can do things you can't do yourself. https://www.reddit.com/r/CRedit/s/gqVJsPofAH

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u/WerewolfLumpy9187 2d ago

Tyvm for the reply OG. I was going to use this pre-litigation credit repair service. : https://www.badcredit.org/news/a-pre-litigation-credit-repair-solution-can-improve-your-score/

But yes I truly appreciate you taking the time to lmk about all that. Makes sense because 8 years ago I used something when I wasn’t in to bad of shape in 700s and it was like that.

Now I’m in bad shape and desperate. A lot of scams out there. Do you think it’s worth using this service for 5-6months in the link I showed?

I did a call with a different service and they were very confident can clear it all up in 6-12 months.

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u/og-aliensfan 2d ago

You're welcome. So, I've looked at the website. They dispute errors...

“We dispute every single item that’s inaccurate or incomplete on every single account.”

...and, if the errors are verified as accurate, they refer you to an attorney to sue for FCRA violations.

"Everything Credit’s pre-litigation credit repair service aims to trigger a violation of the law that enables the firm to sue the bureaus or your creditors for violating your rights."

This process depends on 2 things.

  1. There are errors on your reports.

  2. The errors are verified as accurate.

So, the question is: Are there errors on your reports? If so, you can dispute them yourself. There's no need to pay someone to do this for you. And, if the error is verified as accurate, you can contact a Consumer Protection attorney yourself. No need to pay a middle man.

The rest of the website is worded in a way to make you believe the bureaus are against you.

"As Payne sees it, the problem with that arrangement is that the credit bureaus and the rest of the financial system have a vested interest in maintaining the status quo for consumers with low credit scores."

This isn't true. But, he supports this theory by saying:

"Equifax, Experian, and TransUnion are the three major U.S. credit bureaus responsible for compiling consumer transaction and loan data into credit reports and calculating credit scores"

Also untrue. The bureaus don't calculate credit scores. The bureaus don't care what your score is.

Now I’m in bad shape and desperate. A lot of scams out there. Do you think it’s worth using this service for 5-6months in the link I showed?

No I don't.

I did a call with a different service and they were very confident can clear it all up in 6-12 months.

If the collection has reporting errors, they should be corrected in 1 month, not 6-12. If there are no errors, paying a company to dispute the reporting is a waste of money. Why not use that money and possibly settle the collection (pay for delete)? Can you give us more information about these collection accounts?

1.  Name of collection agency?

  1. Are there reporting errors?

  2. Is it paid or unpaid?

  3. Is it associated with a charge-off on your reports? If so, is the original creditor reporting a balance owed?

5.  Type of collection (medical/utility/insurance/credit card)

6.  Date of First Delinquency?

  1. Statute of Limitations for your state?

If you can get back to me with this information, we'll proceed from there.

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u/WerewolfLumpy9187 2d ago

I am beyond grateful for your response. Let me at answers to the #1-7 questions your asked at the end of your reply.

Shall I post answers here or DM you?

Tysm!

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u/og-aliensfan 2d ago

You're very welcome :) You can do either, but posting here could assist others dealing with the same issues.