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I’ve Been Summoned for a Credit Card Debt. Should I Hire a Lawyer or Is There Another Option?

Question by Tiffany W: I’ve Been Summoned for a Credit Card Debt. Should I Hire a Lawyer or Is There Another Option?
I have a credit card bill for about 00 that has been closed and bought by a debt buyer (Portfolio Recovery Associates) and they have recently summoned me for a civil suit. From what I’ve read, I can’t have my wages garnished in NC for credit card debt unless they get another state to order the garnishment, but the lawsuit is in a NC court and VA (the state where Portfolio Recovery Associates is headquartered) doesn’t seem to allow it either. Also, some sources (credit lawyers’ websites) say that debt buyers don’t really do well in court because they don’t usually have the documentation that they need to prove the case. According to the lawyers, the debt buyers are hoping that I won’t show up and they’ll get a default judgment – assurance that I’ll have to pay and a 20-year extension on how long they have to collect. I have a few smaller past due accounts that I would also like to pay off, but I can’t afford to pay everyone at once, especially if i make large lump sum payments on any particular account. I don’t have much money and my husband and I are struggling to recover from unemployment issues from the past two years. Therefore, I want to make the best long-term financial decision without spending more money than necessary. Does anyone with experience in this situation have advice? Would hiring a lawyer be worth the money? Is there a way to get a free but legit legal consultation (maybe local government resources)?

Best answer:

Answer by Michael T
If the lawsuit is in NC, then they have to use that court system to garnish wages. You are correct that NC does not allow wage garnishment except for child support and taxes. However you are incorrect about VA which does allow wage garnishment for consumer debt.

http://www.bcsalliance.com/debt1_virginia.html

If they are filing a lawsuit in NC (which I believe is required since that is where the debt was acquired), then it is likely that they are trying to extend the statute of limitations or possibly garnish your bank accounts.

http://www.bcsalliance.com/debt1_northcarolina.html

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Q&A: Are you required to notify all current or future employers if you’ve been in drug rehab?

Question by chibigenesis: Are you required to notify all current or future employers if you’ve been in drug rehab?
If you’ve been in a drug rehabilitation program, and successfully completed it, do you have to notify any potential employers? Do you have to notify a current employer if you’re going into a rehab program?

I assume the laws are differen in every state, but specifically in Illinois or california? If anyone knows a website that would tell me all this i’d really appreciate it.

Best answer:

Answer by James
Only if they ask on the application.

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Q&A: Child custody battle, those of you that have been there, what can I expect?

Question by Jennifer: Child custody battle, those of you that have been there, what can I expect?
We live in MO. We were not married. I made him move out literally right before I found out that I was pregnant, after my teen daughter and I witnessed him falling over drunk (this was an ongoing problem, and he smokes pot frequently). Our son is now 5 months old. I was served papers the day after I hired an attorney. He is asking the courts for joint custody, him as the custodial, me paying child support (he filed this in response to the DSS ordering him to pay child support). I just signed my response last week. I’m asking for sole legal and physical custody, with supervised visitation in my home for him. I have a really good attorney, with many years of experience in this field, and he’s also served as a judge. He has told me that judges do not give sole custody these days unless there is a good reason and it can be proven, and he feels I have a strong case and that the judge see’s fathers who file for custody to get out of child support all the time and that he won’t be fooling anyone. FYI, he has not paid me any support, only picked up occasional items that I asked him to up until I decided to cease his visits- because of his refusal to help support, his continued drinking and drug use, and his verbal abuse.

I guess I’m wanting to get a clearer picture of the process and what I can expect. My lawyer has sent out discovery, I haven’t received anything yet. He plans to get hair drug testing ordered (alcohol and marijuana abuse), and I’m told a gardien ad leitum may be appointed for my son. Will the judge order us to do DNA testing even though the father signed the affidavit at the hospital claiming paternity and is obviously asking for a paternity ruling in order to ask for joint custody?

Any info would be appreciated, especially an idea on time-lines. Thanks for reading!

Also, I know there are decent men out there who genuinely want to take care of their kids and be a part of their lives, who can’t because of vindictive mothers who are using their kids to hurt them. That is not what is happening in my case. Feedback would be much appreciated!
Yes I know I made a huge mistake being with this guy. He was really good at hiding what he was really like in the beginning, these things came out little by little over the course of our relationship. The first time I confronted him about his problems, he actually cried and promised me he would get himself under control. He didn’t obviously. When it hit the point that I knew he would never change and I’d had enough, I was already pregnant.

Best answer:

Answer by :)
why do you women have babies with drug addicts and alcoholics, then turn around and blame them for being indecent? jesus christ.

luckily for you, judge will def not give him sole custody.if he tests dirty, he will be ordered for supervised visits [which may not happen in your home on your watch] and will be ordered to take AA/NA classes.

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Child custody battle, those of you that have been there, what can I expect?

Question by Jennifer: Child custody battle, those of you that have been there, what can I expect?
We live in MO. We were not married. I made him move out literally right before I found out that I was pregnant, after my teen daughter and I witnessed him falling over drunk (this was an ongoing problem, and he smokes pot frequently). Our son is now 5 months old. I was served papers the day after I hired an attorney. He is asking the courts for joint custody, him as the custodial, me paying child support (he filed this in response to the DSS ordering him to pay child support). I just signed my response last week. I’m asking for sole legal and physical custody, with supervised visitation in my home for him. I have a really good attorney, with many years of experience in this field, and he’s also served as a judge. He has told me that judges do not give sole custody these days unless there is a good reason and it can be proven, and he feels I have a strong case and that the judge see’s fathers who file for custody to get out of child support all the time and that he won’t be fooling anyone. FYI, he has not paid me any support, only picked up occasional items that I asked him to up until I decided to cease his visits- because of his refusal to help support, his continued drinking and drug use, and his verbal abuse.

I guess I’m wanting to get a clearer picture of the process and what I can expect. My lawyer has sent out discovery, I haven’t received anything yet. He plans to get hair drug testing ordered (alcohol and marijuana abuse), and I’m told a gardien ad leitum may be appointed for my son. Will the judge order us to do DNA testing even though the father signed the affidavit at the hospital claiming paternity and is obviously asking for a paternity ruling in order to ask for joint custody?

Any info would be appreciated, especially an idea on time-lines. Thanks for reading!

Also, I know there are decent men out there who genuinely want to take care of their kids and be a part of their lives, who can’t because of vindictive mothers who are using their kids to hurt them. That is not what is happening in my case. Feedback would be much appreciated!
Yes I know I made a huge mistake being with this guy. He was really good at hiding what he was really like in the beginning, these things came out little by little over the course of our relationship. The first time I confronted him about his problems, he actually cried and promised me he would get himself under control. He didn’t obviously. When it hit the point that I knew he would never change and I’d had enough, I was already pregnant.

Best answer:

Answer by :)
why do you women have babies with drug addicts and alcoholics, then turn around and blame them for being indecent? jesus christ.

luckily for you, judge will def not give him sole custody.if he tests dirty, he will be ordered for supervised visits [which may not happen in your home on your watch] and will be ordered to take AA/NA classes.

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What should I expect in court where my Ex has been charged with contempt for failing to pay his child support?

Question by Anj: What should I expect in court where my Ex has been charged with contempt for failing to pay his child support?
The ADA filed the charge against him. He owes our 3 children over four thousand dollars in back child support. He has changed jobs repeatedly each time making less money. He thinks that makes it alright for him to stop paying his support as ordered. He has also moved several hours away, and hasn’t kept one of his court ordered visitations in a year. I have done everything I could to accommodate him. I have brought the children to him every time they have seen him except for two. These visits are not regular visit. He only stays about fifteen minutes or so and then leaves. This time it’s been over two months since he has seen them. He even missed our youngest child’s birthday. The children feel like they don’t know him anymore, and that he doesn’t know them. He thinks nothing will happen to him when he goes to court. He also threatens me that if he goes to jail, he will never pay his child support again. It really is out of my hands. I filed the case with the state office of child support recovery (Ga.). It has been extremely hard for the children and I since he stopped paying his support. I desperately need some relief through this court proceeding, but I’m not sure what to expect. I appreciate any help, especially if you have been through some thing similar.

Best answer:

Answer by Javier169
They will make him pay a certain amount by a certain time or he will be put behind bars…at least this is what they did to my deadbeat mother of my children

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I have a court ordered drug test tomorrow, and have been around second hand smoke will i pass?

Question by megan: I have a court ordered drug test tomorrow, and have been around second hand smoke will i pass?
I’ve been clean since january but i have random drug testing, and i have been around second hand marijuana smoke in the past 24 hours and need to no if i will pass the drug test. If i don’t i’m seriously screwed. Please help!

Best answer:

Answer by NHitis
Second Hand – 24 Hours – I have a feeling it should man.
If you somehow do appear negative tell them the story, hope they believe it, if not use the puppy eyes.

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I have just been diagnosed by grade II fatty infiltration of liver. How serious is the matter?

and what kind of treatment is required? I am also suffering from nonobstructive left renal calculus (3 mm in upper pole). I am non alcoholic. Please advise as soon as possible as my family and myself are quite worried.

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This is my situation my 20 year old son has been acting mentally unstable what do I do?

talking very vulgarly, loud, demands attention, talks over everyone, speaks of suicide, I have called crisis center and had the police escort him there but he plays it off to the doctors that he is completely normal and has no issues but when he comes back home he acts out immediately. He feels he is hated by everyone. I have 3 younger children and this has affected all of us. Now we are hostile towards him. He is also recently been discovered that he was using meth, Ecstasy, weed ect. I have tried to take him to go to rehab he refuses to go and he was ordered by the court to take anger management classes which he also failed to do. He blames me for all of his problems and takes no personal responsibility. He also has an ex girlfriend that put a restraining order against him and she has been rubbing in his face that she cheated on him so he is threating to cut his throat in front of her to show her how much she hurt him. I called the suicide hotline and the only advice they gave me is he is acting like someone who is on serious drugs and he needs to take care of that problem. He is in complete denial about everything. My options are limited considering he is a legal adult and I can’t force him to do anything. I don’t want to give up on him but I don’t know how much more I can deal with. What are my options for him considering he is a legal adult? help . Mom in desperation.!

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It’s been 4 months and he hasn’t called or visited me ?

my boyfriend went into rehab, choice of jail or rehab court ordered …. i heard he’s back at work this week and i’m curious if you think i should call him to see how he is or just leave him alone.
maybe he met someone new at rehab or maybe he wants to be alone.
i’ve never known him clean and sober, so he will be some brand new to me and i’m kinda scared to make the first move.
i think he is scared too.
what do you think ?
I have never taken drugs and very rarely drink alcohol.
We have many things in common such as sports that use to fill our life.
I never wrote to him while he was away in rehab for 4 months because I thought it best, now i’m unsure.
I only want what is best for him ….. I’m really proud of him !

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ok, my roomate and my boyfriends brother will no longer allow my boyfriend in my home. he has been arrested fo

ok, my roomate and my boyfriends brother will no longer allow my boyfriend in my home. he has been arrested for abuse to me and needs drug and alcohol treatment what do I do, when he comes out of jail he will be homeless

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I have a court ordered drug test tomorrow, and have been around second hand smoke will i pass?

I’ve been clean since january but i have random drug testing, and i have been around second hand marijuana smoke in the past 24 hours and need to no if i will pass the drug test. If i don’t i’m seriously screwed. Please help!

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My mother has been addicted to drugs …..?

My mother has been addicted to crack cocaine for 17 yrs now. our county doesnt allow court ordered rehab. Unfortantly my family has been living with her for almost 2 months now and its driving us crazy….She’s in denile about her addiction. So i was wondering…after we move out should I cut off all communication with her unless she agrees to go to rehab…I cant support her anymore.

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have you ever been in drug rehab?

i asked a similair question, but i doubt anybody is going to answer it, so im going to rephrase it.

my friend is locked up (court ordered) in the warm springs rehab center of castaic ,ca.

i need to know what i can send him in the mail
like: if i can mention the krew we are in, or if i can send him playboy pics (with parts marked out)

or if they even read/check his mail.

so if you have been or know sum1 who has been in a drug rehab center, do you think you can help me out with what the mail policies were?

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Paris has been court ordered for re-hab. will alcohol rehab make her a better person?

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