Money 8/4 - Barb sued by another bank - Capital One Bank

[AnOminous]

It can take fucking years in some cases, especially if you appear to be working (Mailing back and forth attempting to nail down exactly what is owed and isn't for instance) with them and are cordial. However, it can quickly escalate from paper mail, to slow trickle of phone calls, to the legal limit of phone call volume, straight to a lawsuit if you keep brushing them off, or worse, you are dumb enough to tell them "don't contact me again". Legally, you can do this, and legally, they have to stop once you formally request they no longer bother you.

This also depends on how bogus what they're trying to collect is. You can't actually tell them to stop contacting you entirely, but you can insist that any further communications be on paper and not via phone call. One of the more powerful methods of written communication a creditor is allowed to use is suing your ass.

However, they generally prefer to let the debt rack up on the jacked-up interest rates for a few years before they bother, and unless they're filing nearly pointless shotgun shitsuits at everyone in sight, they usually prioritize suing people who actually have money.

Someone like Barb is a reasonable target for lawsuits like this, as while she isn't exactly in great financial shape, she does have an income of sorts and they might be able to squeeze something out of her.

Not if the bank has a bunch of lawyers that work on retainer for this stuff. A lot of people who get sued for outstanding debts probably don't even show up and the court just awards the bank a default judgement, and then they turn it over to a collection agency.

Whereupon the deadbeat just goes on ignoring the new collection agency like they ignored the one before it.

 

[mrmilkman]

Since Barb is going to die soon,she has no reason to worry.

 

[Picklechu]

I wonder how much she owes on this one? For her to get two in one year, she either has to have way more debt than I assumed (and I had assumed a lot), she's gotten lazy about paying/is losing the bills in the Hoard, has had her income decrease somehow, or has increased her spending on other things because she's a mentally ill redneck.

Part of me almost wishes that Bob had put the money he left for Barb and Chris in some sort of trust.

Hey Barb.... WHAT'S IN YOUR WALLET?


hhahahahahaha

Probably more Hoard.

 

[Suicidal Emo Panda]

Since Barb is going to die soon,she has n reason to worry.

And afterwards Chris will happily inheret Barb's belongings, him being naive to think it's a positive thing, and ends up with these debts.

Edit:

Part of me almost wishes that Bob had put the money he left for Barb and Chris in some sort of trust.

He did but the Chandlers blew almost all of it on the courtcase to get the man-child out of trouble.

 

[Bassomatic]

How many more vultures are still in line waiting for their turn on blorb?

 

[Picklechu]

And afterwards Chris will happily inheret Barb's belongings, him being naive to think it's a positive thing, and ends up with these debts.

That's not how debt works. If Barb were to die with debts (LOL, "if"), creditors would take whatever they could of Barb's assets, and Chris would have anything that's left. Chris can't inherit the debt itself.

Edit:



He did but the Chandlers blew almost all of it on the courtcase to get the man-child out of trouble.

I know. He didn't have it in a trust, though. If he did, he could have set it up so they only had access to a small amount at a time, rather than spending it all on Bell instead of getting a public defender.

 

[DonaldJTrump]

Barb's credit score must be a damn wreck.

 

[Suicidal Emo Panda]

That's not how debt works. If Barb were to die with debts (LOL, "if"), creditors would take whatever they could of Barb's assets, and Chris would have anything that's left. Chris can't inherit the debt itself.

Ow I didn't knew that. I suppose it's different from where I live.

 

[Mariposa Electrique]

Hey Barb.... WHAT'S IN YOUR WALLET?


hhahahahahaha

Nothing too interesting, some cough drops that expired in 1989 and a list of people that she wants to suffocate for doing her and her baby Chrisschun wrong. The usual old lady stuff.

Knowing Chris, I'm sure he hates live out there in hicksville when he would've been better off in a mid-sized city like Richmond.

That way, 10 times the people could ignore him.

 

[Apocalypso]

The begging videos are about to come back with a vengeance.

Try Hard with a Vengeance

 

[Suicidal Emo Panda]

Try Hard with a Vengeance

Thank you, I know what I have to work on now.

 

[GS 281]

I know she's dead, but hell... I will still drop a $50 donation to pay this off for a half hour alone with the carcass.

 

[Tennis-Ball-Tony]

I bet this shit has been Barb's MO since day one.

I'll wager there's a shit ton of cases in the dusty old cellars of Greene County's courthouse going back decades.

 

[Trilby]

That way, 10 times the people could ignore him.

Oh I'd love that. Nothing like being shunned out of your whole town to wake you up.

 

[JULAY]

Barb is as irresponsible with money as Chris is... maybe more so, because he seems to actually pay his bills, albeit in the most half-assed "minimum payment only" way possible.

 

[Guy Smiley]

It can't really be worth it for a bank to go after some amount under five figures, can it? Wouldn't the legal costs add up to more than that anyway?

I've seen it happen for as low as $700. Depends on the company.

 

[Null]

I've added a fun poll to the thread. Wow!

 

[Jaded Optimist]

I've added a fun poll to the thread. Wow!

Thank you Dear Leader

 

[Memories Of A Lumberjack]

So, do you trawl the justice system for instances of ''weston'' ''chandler'' and ''sonichu'' or how do you keep finding these?

Many Bothan Spies died while getting this information.

 

[Suicidal Emo Panda]

Try Hard with a Vengeance

Done!