I have this debt, it's gettin gay. Need advice.

[jjunior]

I wrecked my car a while ago, 3-4 years or so. On top of that I had no insurance, well I did but the car was about to get sold so I cancelled it. Few days later some van rammed me cause I went into his lane. It wasn't too bad i guess, I fixed my car for about 800 bucks(had to replace bumper and some other stuff) all he got was my bumper and my blinker I guess and still sold it.

He had even less damage, just some in the front and thats about it, but I guess my bumper left a mark through the side of his van which was a piece of shit dirty ass plumbers van anyway and it was hardly noticible. It could probobly be washed off, but him being anal about it he fixed the whole thing and I got billed for it from his insurance company. 4500 bucks! that van was probobly not even worth half of that.

I was a broke hs student at the time and couldnt pay it, so I didnt pay a dime. they kept billing me and calling me everyfuckinday and a year later or so they stopped, I think. Now the only thing that has changed over these 2-4 years is that I went from a broke hs student to broke college student.
But today I get a letter, to my old address that I havent lived in a year which was forwarded to my new place, but the problem with that is that it was addressed to my moms name. This is whats bothering me, why are they involving my mom into this. Maybe they are not but her name was on the letter so it's kind of fucked up.

http://www.bondedcollections.com/

these are the guys who sent me that letter and told me that they will try to collect the debt and shit.

They cant get jack shit from me cause I dont own anything and I dont even work but I dont want them taking shit from my mom, thats just gay.

any advice, any help? Have nowhere near extra 4500 bucks that i could dish off for them, I still gotta figure out how I'm gonna pay for my rent this year.

 

[jerseyart]

Don't just let it slide. If it is with a collection agency it is likely already a lien against you. That means you missed some court dates in which to dispute the charge.

On the plus side you can likely get it reduced to a small percentage of the amount owed. What you want to make sure is that before you pay them anything, is to request all the information on the case. There is still a chance you can dispute the charges, but prrbably not likely.

You can also negotiate to have the lien not only released (which happens when you pay it off) but(I always forget the term for this) go a step further and have it removed from your record entirely . I'll get back to you, or someone else might know. That is important, or it will stick on your report for a long time

 

[awittyusername]

First of Junior. Its not his fault (or any accident victim) that you are a broke fuck. Should you only have to pay a bill if you have the money? No. If some jackass hits you car while you are taking some college chick out and he doesnt have any money. Will you say "Thats OK. You only have to pay if you have money." NO.

Thats no incentive for people like me who busted my ass. And, payed off over 1 mil $ in debt when I got ripped off. Should I have said "oops I don't have the money" Fuck no.

Listen kid I like you. But, You have to stop looking at the world through your own eyes!
Now, get to work and pay your bills.

 

[jjunior]

Don't just let it slide. If it is with a collection agency it is likely already a lien against you. That means you missed some court dates in which to dispute the charge.

On the plus side you can likely get it reduced to a small percentage of the amount owed. What you want to make sure is that before you pay them anything, is to request all the information on the case. There is still a chance you can dispute the charges, but prrbably not likely.

You can also negotiate to have the lien not only released (which happens when you pay it off) but(I always forget the term for this) go a step further and have it removed from your record entirely . I'll get back to you, or someone else might know. That is important, or it will stick on your report for a long time

how am I supposed to dispute the charges, those charges are just for repairs right. There hasnt really been any court dates I know that for sure, just a bill and they told me one day that its my special day and instead of 4500 I can pay 4000, I would feel stupid but most likely pay for that if I had cash. I know for a fact my grandma could repair those damages and it would not cost nowhere near 4500 bucks.

Safeco is who I was dealing with, they already passed it down to some collection agency and now they passed it down to these guys here who sent a letter to my mom. Which again is kinda gay.

I'll most likely call them and tell them that I'm down to pay for it if they split my payments up in 30 year period 12.50 dollars a month. I could probobly afford that.

The guy already got his car repaired and paid for the damages by his insurance so it's not him thats on my ass. either way, why are they going after my mom?

 

[jjunior]

they can have a lien on me by the way cause theres not much they can take from me but why my mom?

 

[jjunior]

oh and what exactly can they do? take away my textbooks? take my food?

jail? community service?