Cohen And Slamowitz, Midland Credit Garnishment Woodbury New York

Chrissy,

Whom are you responding to? I don't see anyone here responding to you or accusing you of trying to get away with anything.

FROM THE RESPONSE THAT I READ, IT SEEMS AS IF THERE ISN'T ANY ROOM FOR WHAT HAPPENED, HOW IT HAPPENED AND WHAT'S RIGHT. I NEVER SAID THAT I WANTED TO GET OUT OF PAYING ANY PART OF THAT CREDIT CARD BILL. I SAID THAT I WAS NOT NOTIFIED TIMELY BECAUSE OF CHANGE IN ADDRESS AND I NEVER HEARD FROM THIS LAW FIRM EVER. TO BE HONEST I CALLED TO CANCEL THE CREDIT CARD AND I THOUGHT IT WAS HANDLED. I NEVER TRIED TO AGNORE ANY OF MY BILLS.

MY POINT IS I HAD NO IDEA ABOUT THE SUMMONS. I KNEW THAT IT WAS IMPOSSIBLE FOR ME TO OWE THAT AMOUNT OF MONEY WITH INTEREST. MY CREDIT WASN'T ALL OF THAT FOR A CREDITOR TO GIVE ME THAT TYPE OF CREDIT LIMIT.

I NEVER REALLY KNEW ANYTHING ABOUT SOL's UNTIL RECENTLY. I HONESTLY DIDN'T CHECK MY CREDIT REPORTS BECAUSE I KNEW I HAD BAD CREDIT DUE TO MY SITUTATION. PLUS I DINDN'T HAVE A CREDIT CARD TO ORDER MY REPORTS. I JUST FOUND OUT ABOUT FREE ANNUAL REPORTS AND I SPOKE WITH A CONSULTANT.

THE BEST PART HAPPENED WHEN I CALLED THE CREDITOR TO ASK IF THEY RECEIVED THE BANK STATEMENTS RE: MY MOMS EXEMPT FUNDS. I JUST SO HAPPENS THAT THE LAW FIRM AND THE CREDITOR SAY THAT THEY DIDN'T GET THE FAX ALTHOUGH I HAVE A FAX CONFIRMATION. THE CREDITOR TOLD ME THAT THE BANK SENT THEM A CHECK WHICH MEANS THEY GARNISHED MY MOMS FUNDS. THE LAW FIRM TOLD ME IT WAS JUST A FREEZE. THE ACCOUNTIS DOWN TO ZERO.

AS I SAID WHEN THEY SO CALLED FROZE THE ACCOUNT THE ONLY MONEY IN IT WAS MY MOTHERS MONEY WITH PROOF IT WAS HERS. IT WAS ONLY ENOUGH MONEY IN THEIR FOR HER TO PAY HER RENT. THIS IS GOING ON OVER 2 WEEKS. IF THEY NEED TO FEEL TO KEEP A FREEZE ON THE ACCOUNT SO BE IT, BUT I NEED FOR THEM TO RELEASE MY MOMS EXEMPT FUNDS OR SEND ME A CHECK FOR THE AMOUNT THEY TOOK OUT

I'M DEEPLY SADDEN BY THESE EVENTS BECAUSE I WAS AN UP AND UP PERSON WHO TRIED TO TAKE CARE OF BUSINESS AND STAY ON TOP. I WORKED FOR YEARS AND YEARS WITHOUT EVER TAKING VACATIONS ETC. I PAID MY BILLS AHEAD OF TIME. I GOT SICK AND THIS IS THE WAY THINGS WENT DOWN. WHAT MAKES IT WORSE IS THAT I ALWAYS TOOK INSURANCE OUT ON MY CARDS. WHEN I TRIED TO PUT IN CLAIMS WENT I GOT SICK EVEN WITH THE FORMS THAT THE PHYSICIANS FILLED OUT, I NEVER SAW A DIME. I DIDN'T WANT TO SEE THE INSURANCE I JUST WANTED THE INSURANCE TO GO TO THE LENDER.

I TALKED TO THE LENDER ABOUT IT AND THEY TOLD ME THAT THEY DON'T DEAL WITH THE INSURANCE PART ALTHOUGH IT WAS A PART OF THEIR APPLICATION. NO ONE EVER RESPONDED TO ME YET. I MEAN FOR ANY INSURANCE THAT I TOOK OUT ON ANY CARD THAT I EVER HAD ESPECIALLY WHEN I WAS ON DISABILITY. IT WAS A RIP OFF.

THE DEBT COLLECTOR REFUSED TO WORK WITH ME. AT ANY RATE I HAVE TO FILE BANKRUPTCY AND NOT FOR ESCAPE PURPOSES. I JUST DON'T HAVE IT LIKE THAT. I HAVE TO LIVE TOO. I UNDERSTAND THAT IS NOT A QUICK FIX BUT THERE IS NO OTHER WAY OUT OR HALF WAY OUT ACCORDING TO THE ADVISE AND RESPONSES THAT I HAVE RECEIVED FROM THIS SITE WHICH HAVE BEEN VERY HELPFUL. MY BACK IS UP AGAINST THE WALL.

I WILL NEVER HAVE ANOTHER CREDIT CARD AGAIN. THAT'S ASHAME BECAUSE I DID TAKE CARE OF MY BUSINESS OR SO I THOUGHT. I WAS A LOT YOUNGER AND HEALTHIER. I NEVER INVISIONED OR MEANT FOR THINGS TO BE THIS WAY.

I SUPPOSE THE WORLD GOT TO HIGH TECH. WE WANT EVERYTHING EASIER SUCH AS DIRECT DEPOSITS AND SUCH. BACK IN THE DAY PEOPLE DIDN'T TRUST BANKS AND PEOPLE LIKED GOING TO THE BANK JUST TO CASH THEIR CHECKS. IT BECAME POPULAR AND EASIER FOR ELECTRONIC EVERYTHING AND IT WORKED BUT THE LOCAL BANKING BUSINESSES ARE LOSING MORE AND MORE CONSUMERS AND CLIENTS. TO BE HONEST CREDIT IS A SIGN OF WEAKNESS, I MEAN BESIDES A LOAN FOR A HOUSE, CAR OR EMERGENCIES, OTHERWISE, IF YOU DON'T HAVE THE MONEY TO GET THINGS, JUST DON'T GET THEM BECAUSE THAT MEAN YOU WILL ALWAYS OWE SOMEONE SOMETHING. I ALSO FIND IT AMAZING THAT PEOPLE GLOAT ABOUT CREDIT CARDS. DEBIT CARD WERE NOT THAT POPULAR BACK IN THE DAY. THAT'S TOO BAD BECAUSE IT WOULD HHAVE STOPPED A LOT OF THESE ISSUES TO WERE MILLIONS OF PEOPLE ARE IN CARD DEBT.

I NEED A GRANT TO HELP ME

LASTLY. I CAN SAY THAT I DO NOT OWE THAT TYPE OF MONEY TO ANY CREDITOR ON ANY SINGLE ACCOUNT AND THE LORD KNOWS THAT. I WILL MAKE SURE THAT THIS NEVER HAPPENS AGAIN AND IF I CAN STOP OTHER PEOPLE FROM MAKING THIS MISTAKE I WILL.