Disabled Pa renter whose only income is SSI being sued by debt collection agency

by Joan
(Lemoyne, Pa. USA)

I HAVE READ THE FIRST PART OF YOUR BOOK. PLEASE HELP ME.

I am a PENNSYLVANIA resident who is being sued by a debt collector(Portfolio Recovery) for amount of $22,000.
The Sheriffs have knocked on my door but I have not answered.
I am disabled; my ONLY INCOME is Supplimental Security Income(SSI).
I am a renter who does NOT OWN a HOUSE or a VEHICLE.

Q: In court, when they win, what can they take from me?

(1)Can they GARNISH or put a FREEZE on my checking account(it only has money from my monthly $720.10 direct deposit from SSI. My bank is Sovereign Bank now owned by The Santander Group)

(2)Can they Sherrif sale my other belongs, such as Furniture, Cookware, Televisons, Clothing or Jewelry, etc?

(3 My roomate will be receiving alot of money sometime very soon but I am not allowed to disclose this due to the very high powered Government party who is paying him.

*I will absolutely(100% SURE) be paying all of my debt
when he receives this money, which is a definite..
HOWEVER, I can NOT disclose this information to the Party who is suing OR to the Judge at hearing.

Thank you for your help. I am sick and the stress of not knowing what can happen is making me even more weak and sick.
Many thanks to you ..I await your reply


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Aug 13, 2012
Disabled Pa renter whose only income is SSI being sued by debt collection agency
by: debtCollection Answers.com

Joan:

I am so sorry to know that you are stressed out by your situation although I understand how frightening it can be to owe money and not know what what will happen next.

First, you should know that a collector or creditor cannot take your SSI income. That income is exempt from collection. This is true even if you are sued and lose the lawsuit.

Also, much if not all of the property you describe in your question would also be exempt from collection according to the law of your state. That means that no one can take those assets from you. In addition, even if any of that property was not exempt, it's unlikely that the collector or creditor that sued you would go after it because the cost of trying to take those things from you would probably be more that what your furniture, cookware, televisons, clothing and jewelry is worth.

Bottom line, from what you tell me, it sounds like you are judgment proof. In other words, even if you lose in court, there is nothing for the collector or creditor to take.

I recommend therefore that before your roommate pays any money on your debts or you do anything else that you contact a consumer law attorney in your area who helps people resolve their debt collection problems to find out what you should do about the lawsuit. Do this right away because ignoring the lawsuit or not showing up in court is likely to complicate matters for you although it will not change the fact that your SSI income cannot be taken and that all of your other assets may also be exempt from collection. An initial appointment with a consumer law attorney should be free. The attorney will advise you about what you should do regarding the lawsuit but if the court and the company has sued you knows that you are judgment proof, it's likely that the lawsuit against you will be dropped. The attorney will tell you how best to make this fact known to the court.

So please get the information you need from an attorney immediately and put your mind at rest. Once you do you will sleep better at night.



Mar 06, 2014
Being sued for fraudulent account
by: Anonymous

I am an SSI recipient who is being sued for a "fraudulent checking account." The account in question is not fraudulent! It was a checking account I've had for years,& was allowed only a certain amount of transfers and withdrawals a month. This particular month exceeded my withdrawal and transfers for the month when the scheduled payment was to be withdrawn. Therefore my account was closed and of course the funds being withdrawn wasn't available. I later received an email stating that they(online financial institution) wasn't able to withdraw funds because of a closed account.

I also received calls from the collection agency demanding full payment. I agreed that I owed the money and that it was a hardship withdrawal but I wasn't able to pay it all and needed a payment plan. I was told that a payment plan was unacceptable and that I needed to pay ASAP.

Now I've received a call saying that an affidavit has been placed against me and that I would have to appear in court if I don't agree to the settlement given,or pay the lump sum. I am nervous because I've never been through anything like this please help!

Reply from DebtCollectionAnswers.com:

It sounds like it could be a scam but you need to make sure it's not. We'd really encourage you to talk with a consumer law attorney to learn your rights. You can find out how to get free or low-cost legal advice about debt collection here.

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