income tax is coming, creditors/pdls will take'em?!!!

Posts: 52
Credits: 1983.3
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just wanna give lil heads up. cause it happened to a friend here in las vegas. he's got so many bills that went to collection. and never paid'em ever. the creditor reported him to the irs and now he's gettin NOTHING from his income tax. so if you guys gots lotsa pdls/collections etc try to work with them even if just partial payments. which i start doing today. because i want to keep my income tax money. these creditors/pdls are being smart these days they will do everything they can in their power to get their money back. hopefully this year i get all my pdl fully paid and done. jst wanna share that with you guys


chrisandandreasmith
Posts: 36
Credits: 859

Sub: #1 By law they have to send something to your bank, AND all they ha
Fri, 03/20/2009 - 13:24



By law they have to send something to your bank, AND all they have to do is look through check systems or something to that nature to search your bank account, they can place a judgement on your checking and you not be served. I got served AFTER they put a freeze on my account, as long as the bank gets their notice, it doesnt matter if you do or not. I never paid that bill with a check from my account or had anything debited as well, its easy to search for your bank info...just like they can look up your work info. Its the program that costs a whooping $19.95 a month unlimited and you can trace where anyone is as long as you have the social security number of the person your looking for. Also known as "skip trace". Some people are smart, they know its tax time and serve your bank with papers around the time they know your gonna file...happens to the best of us.


Unregistered

Sub: #2 nobody knew my bank account its through my union and i got direc
Fri, 03/20/2009 - 13:15



nobody knew my bank account its through my union and i got direct deposit the irs sent it to the loan company instead of me with no judgment aginst me


Frogpatch


Posts: 5391
Credits: 65259.51839509

Sub: #3 That was after it was deposited. That was a lien on your bank ac
Fri, 03/20/2009 - 12:12



That was after it was deposited. That was a lien on your bank account.

Escape the Payday Loan Trap http://tinyurl.com/pdltrap
Article-When the Debt Collector Calls


nohiogal

Posts: 2584
Credits: 11799.75

Sub: #4 If the loan company took your check they must have gotten a judg
Fri, 03/20/2009 - 12:10



If the loan company took your check they must have gotten a judgement on your bank account at some point.

The only way they can take your check straight out before you get it is the federal government for past due taxes, for student loans or for back child support.

To infinity, and beyond


Unregistered

Sub: #5 the place where i got my home loan which i am behind on took my
Fri, 03/20/2009 - 11:48



the place where i got my home loan which i am behind on took my federal refund and i tried to be smart and change banks and i efiled all that i was surpposed to get my refund on the 15th and never did turns out the loan company did so u people who think it cant be done are all so very wrong.


paulmergel


Posts: 15525
Credits: 135803.21104969

Sub: #6 reply
Thu, 02/05/2009 - 12:58



these bottomfeeders are something else...literally.

giving hope to the hopeless,help to the helpless,and hap to the hapless.


alinewcombe
Posts: 68
Credits: 1270.2

Sub: #7 I also received a call from Lawal and Associates telling me that
Thu, 02/05/2009 - 12:54



I also received a call from Lawal and Associates telling me that they can garnish my irs refund. I just hung up on them and laughed! :lol:

There are high spots in all of our lives, and most of them come about through encouragement from someone else.


Frogpatch


Posts: 5391
Credits: 65259.51839509

Sub: #8 Explained well above
Thu, 02/05/2009 - 01:49



Explained well above

Escape the Payday Loan Trap http://tinyurl.com/pdltrap
Article-When the Debt Collector Calls


nohiogal

Posts: 2584
Credits: 11799.75

Sub: #9 A PDL or collection agency can not just seize your refund. He
Thu, 02/05/2009 - 01:38



A PDL or collection agency can not just seize your refund.

Here is an article about who can take your refund.

From WikiAnswers..."With a judgment lien can a tax refund and bank accounts be garnished?"

"If the judgment is for state or federal taxes then any refund is subject to seizure by the agency holding the judgment.

If it is a creditor judgment, a tax refund would only be subject to attachment if it were placed in a bank account that was being levied by the judgment creditor."

The IRS would have told the creditor or PDLs to pound salt and to take him to civil court.

It does raise the issue of direct deposit of your refund. If you do the electronic filing and have it deposited to your normal bank account then it is subject to the PDLs getting it if you have not secured your account.

Some may want to elect to get a paper check or open a new account and have it deposited there instead.

To infinity, and beyond


Frogpatch


Posts: 5391
Credits: 65259.51839509

Sub: #10 that is very far fetched! The IRS will not just turn money over
Thu, 02/05/2009 - 01:11



that is very far fetched! The IRS will not just turn money over to a creditor on their say so. There would have to be a federal court order to do so. It would be more likely for it to be seized whan it reached the bank with a lien from a judgement

Escape the Payday Loan Trap http://tinyurl.com/pdltrap
Article-When the Debt Collector Calls


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