Transfer the money from your checking or savings acct to a prepaid visa or mastercard such as Greendot,Netspend or Rush Card etc .Direct deposit your paycheck to one of these cards to avoid bank levy

Of course we owe the money you dork but not to your law firm......someday soon you too will be unable to pay your debts.never say never.....sheez xas gridrea

One day you will be in trouble with debt.I put a spell on you

They hire kids to perform in person service. But some turn out to be what is called a "sewer service" (thrown in the garbage) if the hired process server who gets paid by the number of services a day gets pissed and is unethical doing the service, and if they get sick of trying to serve you, they throw the Summons and Complaint in the garbage and the Swear and Affirm on an affidavit that they did. This is crime of false swearing and to the civil court --an improper service. You can file a motion to vacate if you have proper standing (proof) that it was improper. They can't just stick it in the door or give it to a 6 year old girl and say they served you. You can also file a Summons and Complaint on them in MN and have the Sheriffs serve them. Lay out your claim using a pleadings option in MS Word. Look up a sample Summons and Complaint, Affidavit of Service, Acknowledgement, then bury them in a first set of Questions-- (interrogatories)  The lawsuit starts the moment they are served in MN not when you go to court and pay the filing fee. They have 20 days to answer, here and if they don't, go down to District Court where they filed on you and file a motion for default and pay the filing fee. Sue them for what harm and damages they have caused or whatever laws they broke. Some lawyers will take your case for free if they think they violated the laws and legal procedure, since they can recover attorney fees and extra moneys in the form of other relief provided through various collection laws or other. I turned the tables on this idiots and beat their collective butts. How dare I out smart them at their own game. through the interrogatories I found out the name address, phone number, make and model of his care and the affidavit he filed did not match up to my NOT BEING in town and there was no one else here. Also the car was captured on my DVR video surveillance.  NEVER give them any information--never they LIE--Call blocking does not work on toll free numbers--use a prepaid calling card through a pay phone, or use a fake email if you want or must call them. Try to find out their non-toll free number then you can block your ID then record the conversation. You can get these simple devices on line- works with any recorder that has a plug in for mic option, or use the suction type on any other phone. It is 100% legal in MN to record the conversation since MN is a one party permission state. Get them to say something stupid or threating--They do it anyway so record it. In the military I learned counter surveillance. These people are small tiny little men and women who hide in the dark and beat you up like any street thug. Turn it around on them. I am not an attorney and nothing above is suggested as legal advise.

I cant believe how ignorant you are. When people don't pay their credit cards, the owner of the credit card company does not want to loose any profits. He fires people instead. He is already filthy rich, he just doesn't want to lose a penny! It is called greed you ignorant!!! You have obviously been brainwashed by all the TV you have watched throughout your ignorant life. You now believe its all people's fault. Go back to school dumb boy! They request bailouts because they don't want to give up their profits. They already bought the government and they get all they want from it! People do live within their means until they are offered not to do so anymore. The credit card companies don't want you to live within your means. They want you to owe them money so that they can enslave you for as long as possible. They are the one taking the initiative when it comes to giving people credit cards. You have probably noticed that on TV, no? The economy is going to hell because the owners of the credit card companies, put in very fine print that they reserve the right to change the credit card agreement as they see appropriate. Are they being responsible? Or are they being filthy rats? But according to all the TV you have seen, you have to bee responsible right? I wish I could pay for a commercial advertising decency honesty and straightforwardness among the credit card company owners of america. I would play that commercial all day and night the same way they play the commercial of "be responsible" to the not-so-well-off audience. Pay what you owe? You are just saying: "Do what you are told" and you don'e even know it. But its not your fault, your parent thought you that! They obviously did not teach you how to analyse one thing at a time under it very unique circumstances. That's probably a lot of work for you to do anyhow. You go ahead and continue being a subject. You will die never knowing you were nothing but a subject. Or you could get a brain, but that starts with your parents. Sorry man, wont be answering another stupid comment of yours. Go back to school though!

Suck it!

If you have already paid and they accepted the checks but say they didnt accept the offer, then tell her to send the checks back and you will make the offer and have them accept it, then you will get your money back and send it to them once again and have them send you a stamped copy of your documents.  Also, they need to report to the financial institution that it is paid in full and then the financial institution should report that to the credit bureau.  Let them holler and rant and rave, but that is their way of intimidating you and getting you to do what they want you to do. Get copies of your checks and dont pay them again.  Look up your state statutes to see what you can do under the laws of your state.

How did your court case go?  I have TWO lawsuits against me. Both cases go to trial March 27 2013.  I got on TX Art.GEN website and it said your wages can not be garnished except for state, federal taxes and child support. And since I am on SSA  disability they can't for the same reason. My bank said the refuse to garnish wages because creditors can't in Texas.

I live in the state of Nevada and am wondering if Rausche,Strum, Israel, Emerson and Hormik is a law firm at all. The reason why I say this is because it says they are an attorney then if you read at the bottom it says
"this firm is a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose". If they are a "real" law firm why would they be able to settle the debt for less money. I was never served any papers, but rather got a letter in the mail saying that I owe a lot of money to Paypal and all I have from paypal is a prepaid credit card.

F U DUMB***!!!

I got papers from rausch sturm enerson and hormik who stated that they successfully sued me and told me that i am in default on my payments related to a credit card debt from years ago. i am in wisconsin and don't know if they can legally do this or not. i have been making regular payments on my debts, etc. i feel that they are trying to scam me and i plan to pursue this. i feel that the papers i got are not even legit.

The debt collectors are the ones stealing what never belonged to them in the first place. So what gives them the right to collect $1000 for something they bought for $10? What gives them the right to add interest and penalties, and harass people unmercifully? NOTHING, and that is proved in court when the law is followed. Debt collectors do not care if a debt is valid and do not follow the law. They often get the wrong person and don't care. If you've had identity theft like me, it would open your eyes to how crooked debt collectors are.
You don't know whether someone owes a debt or not. And you haven't walked in their shoes. If you lost your job or had illness that drained every penny in your account, how would you pay your bills? You have no compassion, no ability to walk in another's shoes. It can all be taken from you in an instant, so don't be so glib, so mean. Poverty is a reality and you should be grateful if you are able to make ends meet, not spiteful towards others.

I just found myself in a really messed up situation with this company.  Dodging the servers doesn't do anything.  They claim they served me with court papers in Dec 2005.  Never happened and I never signed anything regarding court proceedings.  In Feb 2006 a default judgement was rendered because I didn't show up. Why?  I didn't know about the lawsuit!  When I confronted them with this information yesterday 4-10-12 they told me that they do not need a signature in the state of MN to serve the papers.  Basically, they can hand the papers to anyone that looks "of age" and say that you have been served...even if it their next door neighbor.  I have to look into the signature thing from a legal standpoint yet. But in my case, skirting the servers wouldn't have made a difference because they worked around it!

I  had my case dismissed.  This company sued me on an old credit card debt that was outside my state's statute of limitations.  In your case, if you were not properly served you can request the court to vacate the judgement.  A great website that I found very helpful is www.howtoanswerasummons.com.  I hope this helps

So what your saying is that even though you have made payments to these companies for years in interest and an unforseen problem has come up then you should still have to pay them.  BUT they can just take money out of our wallets in the form of bailouts for the exact same thing.  I lost my job in the housing market due to their speculation.  I do not get any bailout just higher taxes and less work to pay for their bailouts.

and not only that, my medical condition from military service now has me at home on disability. so all I can say is that so you can understand someone elses plight.......may something happen to you or a family member that will make you lose everything.  Then I really would hope you would embrace them and turn tricks to pay your bills.

I have no bank account,  had to close it when they started charged 7 dollars a month, had less than a dollar in it for years.  I live check to check, zero savings.    I was sued a couple months after my dad passed away so I had other more important things like getting my mom settled into a new place and helping her get her stuff together.  I had no money for an attorney nor any money to settle anything.  it has been 3 months since the suit and they haven't even recovered their court filing fees yet, by the end of next year,  they will have received almost enough to cover the court costs,  that is if they weren't charging interest.    I don't even have enough money for sufficient food, so an old debt is not a priority of mine, food is.   it doesnt' matter how many years they renew it,  i'm about 20 years away from retirement and will not be coming into any big money anytime in the future and also  dont see myself making more money,  I stock groceries, not sure how long i'll be able to do that, i'm already the oldest person there.

On the interrogatories you could have said " does not have sufficient information to answer yes or no " the reason you did not get to submit your case is you agreed to all the facts. They can not take you to jail for non payment on a judgment but they can obtain a court order to garnish your bank account as for the judgment go to the court and ask for a copy. You need to know in Texas a judgment is good for  years and can be renewed so that it never goes away.

One type of service is called ?substituted service?. This legal process of service is when the documents are left with an adult resident of the named party at the target?s home, or with a management level employee at their place of business. There are also circumstances when posting in a prominent place (followed up by a certified mail copy) is an accepted method of service.

They can be granted alt service by a judge with the testimony of the process server

Process serving laws and rules of civil procedure are different from state to state. You should visit the State Rules of Civil Procedure section of Serve-Now.com to learn more about service of process in your state.

find the settlement letter they sent you. Did you provide the final payment by the deadline? If not the settlement offer is null and void. They do have to give you credit for what you paid.

Wrong! If a judgment obtained the can drain your account to satisfy it. They can also send a constable to remove property  to satisfy the judgment. A lean can also be put on your home if a judgment is obtained

You are wrong. If a judgment is obtained your bank account can be garnished in  Texas. Also if you own property a lean can be put against it. The name calling is really not called for. If you pay your bills they will not call. You can also send them a letter telling them not to call.

Your atty friend was right about filing a general denial as without one they would stand a strong chance of obtaining a default judgment. As a former collector I will do the best I can to answer your questions and hope to be of some help.
 First 10.00 is really not reasonable and would never be enough to stop collection proceedings or court actions. However any $$ you send in must be applied to the balance but if interest  is still being charged it would not really help.
1) Yes try to negotiate you  do not say what creditor hired them to collect or sue but most creditors will settle for .60 on the dollar however the creditor does usually demand anything less than the full balance be paid in 6 months or less. The interest does freeze on the settlement but continues on the original balance so if you default on the settlement it reverts to the total with credit being given for what you already paid. At this point the form will probably require you to sign an agreed judgment  unless you can pay a settlement off in 3 months or less.
1b. They no longer have to provide you with validation those documents are now considered evidence for trial and can be obtained in discovery. Be warned they will probably try to use an affidavit from an employee of  the creditor you SHOULD object to this as hearsay as you can not cross examine a piece of paper. ( I am not an attorney you should look up hear say rules in texas rules of civil procedure.
2. The probability they will show up is 100%
3-5. One never knows what will happen in court or there would be no need to go. In Tx they can not garnish wages straight from you paycheck for the judgment. They can however garnish your bank account. Get a lean on your property or send a constable to remove property to satisfy the judgment.
6. The judge can not force you to settle but he can force you into meadiation. Meadiation however is non binding.
7. There is no limit for the number of judgments that can be obtained against you in the state of Texas. However there can be only one judgment per account.Judgments in Tx are good for 10 years and can be renewed until satisfied either by paying them or bankruptcy.
8 Without knowing if you have more than one account with them I will do my best to answer. Depending on the age of the account. You should note it is not  your last activity on the account that determines the age but the date the creditor closed the account.
9. If they filed the lawsuit they have the right. I guarantee their lawyers made sure they had all their ducks in a row when it comes ti the age of the age of the account and they are licensed in Texas to practice law.
10.They will show up in court ready to negotiate and many times the lawyer will be able to offer you a better deal.
11. When all else fails hire an attorney. Many will give you a free consultation

you people amaze me. It is not like you did not know  you owed money. I am sure you were also sent MANY letters from the firm ( required by the fdcpa) One was more than  likely an intent to sue which you like you did with your bill ignored. So stop acting like a victim. If youi owe it PAY IT. Not paying is the same as stealing in my bookU6

they do not buy debt they are a law firm hired by companies to collect $$$ they are owed.

you are a debtor not a victim. If you have a judgment then you had a court hearing you most likely ignored and they are well with in their rights if allowed in your state to garnish your wages.

See my post below. Lots of good info for Fair Debt Collection Practices.

Here is a PDF containing information on  FDCPA (Fair Debt Collection Practices Act)
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf

Thank you! I've been dealing with these people and they want full payment over $3,000.00. I just paid them over 9.000. Now they want to garish my checks. Complete B.S. I did in fact contact the Attorney General.

Interested on the outcome of your case with this company in Texas . I got letter for this company base out of Addison Tx. The account is for my husband iam not on the account he is self employed and trying to settle account. Any suggestion on what to expect. Just file offer a settlement  on their website.
Will apreciate any advise

I was sued by this firm for a debt that was about 5 weeks to reach sol in Texas.    I had closed the card in 2004 because target kept raising my inerest even though I paid my bill early every month.  I continued to pay the debt for the next 3 years.  Actually I was fired at the same store in 2006 and my next job paid me less than 700 a month so my savings ran out in a few months and I had to default. theywould not take smaller payments they had other law firmsthreatened to sue a couple times over the years but dropped it as soon as I wrote  and told them I had no money.  

I was sued this past march and went to court in july. was not allowed to even present my case.  I had to sign all those discloure, intergories papers with yes because I did owe the debt. everyone says to deny them so they have to prove their case but since it has to be notarized you can't deny or you could get in trouble wiht purgery.   anyway I told them I have no money.   I live on about 900 a month and my rent takes over 2 thirds of that and no I cannot move to a cheaper place,  I just moved to this place last year to get away from a crime infested neighborhood.  I also need to live close to my recently widowed elderly mom.   Anyway they got a judgement but I have never received a copy of the judgement (odd that I do have a right to a copy of how much I owe) I only got to look at it before the judge signed it.  it is for over 5k.   I have no money in the bank and will have to close my account soon becaus I cannot afford the 7 monthly fee that the bank is going to start charnging soon.  I am making small payments to them that will take over 16 years with the interest and all.   I am going without enough food as a result and it's wrecking my mentla health which is not good to begin with (I almost go fired last year and was madated to enter phychiatric treatment.  It was fora  short time paid for by the company.    It is hurting me to pay this small amount each month and when the social security taxes go back up in january, my take home pay will drop even more.
I am afraid to not make a payment or they will order me back to court and order me or take me to jail or take what little I have (small tv, old computer, old furniture)  I have no car, no assets.    I am going to try to get foodstamps as the site says I qualify for a small amount.   I work but dont' make enough money and have some physcial limitations (arithiris in right arm as well as a fractured elbow that is untreated because I cannot afford medical care) that make my job (stocking groceries) painfuland of course like most jobs we need more employees but they aren't hiring, everyone is having to do more and and more and i'm about to go crazy again.