- June 15, 2024
- Posted by: legaleseblogger
- Category: Related News
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A Debt from the Past: Can It Still Haunt You?
The Background
Hi all, I’ve had this debt since I was 19, a time when I was young, dumb, and broke. After a few years, I was finally able to pay it back, but a friend suggested I wait it out until it fell off my credit bureau report instead of restarting the clock by paying it down. I took their advice and, sure enough, it fell off my report. However, they have not stopped contacting me about it, despite my ignoring their messages and threatening letters. They’ve even sent me emails, and the latest one is specific about threatening to garnish my wages and assets.
The Recent Threats
Recently, I received an email from Resolve Financial Recovery, which has been very aggressive in its tone. They’re saying they’ll conduct an employment and assets verification, and if they confirm my employment or assets, they might recommend to their client that legal action be taken to recover the debt, plus court costs and legal fees. The email is threatening:
- Garnishment of bank accounts and wages up to 20% of my gross earnings
- Execution against lands and titles, including my home and motor vehicles
- Registration of the judgment with credit bureau affiliates
The Question
Do they have any real pull, or is this just another tactic to scare me into responding? The debt is over 8 years old, and I’m worried that this is just a desperate attempt to collect an old debt.
The TL;DR
Bad debt is from 8+ years ago. Can they actually pursue wage garnishment?
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With AI Legalese Decoder, you can gain control over the situation and make informed decisions about how to respond. Don’t let complex legal language scare you – use AI Legalese Decoder to take charge and defend your rights.
Next Steps
While I’m still considering my next move, I want to ask the community:
- Have you dealt with a similar situation before?
- What did you do, and how did it turn out?
- Do you have any advice for me?
Let’s work together to tackle this complex issue and come out on top!
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****** just grabbed a
“may” is the operative word in the email. They are trying to scare you.
What province? Some provinces prohibit threatening legal action unless they plan to follow through. If yours disallows this, file a complaint with the appropriate authority or regulator.
Google “what can debt collectors do” plus your province to bring up the appropriate government website for consumer info.
You can reply with “Please be advised that the alleged debt is past the statute of limitations; learn the law and kindly fuck yourselves accordingly.” They are just bottom feeders; they cannot do any of those things they are threatening you with.