About John Hall Expertise Law school graduate, Juris Doctorate (J.D.) Degree; Over 25 years of
experience throughout the United States in bankruptcy law matters (Chapters 7, 11, and
13 of the United States Bankruptcy Code) primarily representing individual
debtors with consumer debt or small businesses; Experience has included all
aspects of debtor/creditor relations.
Experience FREE BANKRUPTCY HELP. If you are being sued, if your home is being foreclosed, or if you are being harassed by bill collectors, filing for bankruptcy may be a quick and inexpensive solution.. The mere filing of a bankruptcy will operate as a federal court order (it is called an automatic stay) to stop all bill collection efforts, including lawsuits that are pending or ongoing. Bankruptcy is a legitimate way to meet your problems with debt head-on. The bankruptcy law is designed to give you a second chance to make a new start without the psychological and financial burden of pressing debts that you are unable to pay. Depending on what state you live in and what your assets are, it is very unlikely that you are going to have to lose anything if you file for bankruptcy, and this is something that you can do immediately without having to pay the $500 to $1,500 attorney fees that most attorneys charge. Also, you might be surprised that you can file for bankruptcy and that it will not have the devastating effect on your credit that most bill collectors describe. Life is too short to have all this anxiety over losing your car through repossession, getting evicted from your home, or losing your home through foreclosure. Bankruptcy law was designed to give you a second chance. I will not charge you just to talk on the phone. Call me at 432 853-5711, or send me an email at j_h14@hotmail.com with your telephone number, and I will call you back.
It's very nice of you to answer questions like this, and I appreciate being able to read your entries. Thank you, ahead of time!
Yesterday I received notice from the Washington, DC city government that they sent notice of $145 in unpaid parking tickets ($60 in tickets, $75 in penalties) to the credit bureaus.
This is infuriating. I called them to see why this was the first I heard about it, and they said they had four addresses for me on file. They had previously notified me, though I never received their notification.
I'm angry because it seems so heavy-handed, and because of the potential impact on my credit score. I have not missed a credit card payment in 12 years of having cards. My credit score is over 800. The complaint is sent, and they can't take it back. They won't negotiate (I'd have paid in full with penalties immediately; the bureaucrat handling it is incredibly rigid, and won't agree to take any negative marks away, just will say that the bill was paid.)
How much will something like this affect my score? How much will it affect my score if I resolve it? If I don't pay?
Again, I appreciate your time.
Answer If you don't pay the tickets, it is possible, although probably unlikely, that they could arrest you.
What should you do now - is the bureaucrat you speak of right? This is standard practice with these guys. don't waste your time when you have no leverage.
Will this affect your credit score very much? Whether you pay or not, this is not a whole lot to worry about. You have the right under the Fair Credit Reporting Act to make an entry in the report - a narrative entry - and say that you didn't pay these because you didn't know about them - However, if you were a creditor, would you be impressed with that? Maybe, maybe not. If you have the money to pay them, I don't see a whole lot of benefit in holding back because you feel tht it is not right. You may be correct, but it is also not worth the trouble.
If you have the money, it would save a lot of hassle and put this behind you if you just paid it and were done with it. Otherwise, you're going to come off looking like Marie Antoinette (She said "let them eat cake" whlen the people were rioting because they didn't have food).
