Do I HAVE TO PAY A REBILL? WHAT ABOUT A PARKING TICKET OR TOLL VIOLATION?
You didn’t have a contractual agreement to pay the debt. Another result of the settlement in was that credit reporting agencies can no longer report debts that aren’t a result of a contract or agreement you signed. In other words, if your debt from a parking ticket or library fine gets sent to a collection agency, it won’t be added to your credit reports.
https://www.magnifymoney.com/blog/fe...ars1233887230/
Can my personal property be seized In bankruptcy??
The following kinds of personal property are exempt from debt collection and cannot be seized:
Household goods, like furniture, clothing, and appliances
Medical equipment, such as a wheelchair
One television, one radio, one computer and one cell phone.
Personal items like jewelry and art, not exceeding $1,000 in value
Items that you need for work, “tools of the trade,” not exceeding $3,000 in value.
$1,000 in personal property or cash, IF you are not claiming a homestead exemption
Your car aslong as it worth less then 4k ( can be worth more aslong as there is a loan against it)
Should I dispute the debt even if I think I probably owe the money?
Yes!!!!. When it comes to the amount that you owe, and the creditor to whom you owe it, why trust the word of the debt collector? The debt collector could be lying, or it could have bad information. The dispute and verification process is designed to provide you with accurate information about your debt, so that you have the information you need to decide what to do about it. There is no reason to give money to a debt collector who cannot or will not provide you with this information.
RIGHT TO NOTICE OF DEBT: Within 5 DAYS of first contacting you, the debt collector must send you a letter telling you:
the amount of the debt
the name of the creditor
information about what you can do if you think there has been a mistake or you don’t actually owe the money
You have thirty days from receipt of this letter to dispute the debt.
How do i dispute a debt
Within 30 days of receiving the written notice of debt, send a written dispute to the debt collection agency. Once you dispute the debt, the debt collector must stop all debt collection activities until it sends you verification of the debt. You can also use the sample dispute letter to discover the name and address of the original creditor.
As with all dispute letters, you should keep a copy of the letter for your records. Also it is a good idea to send the letter certified mail, return receipt requested, so you have proof that the debt collector received it. (If certified mail is too expensive, you should at least get proof of mailing. Consult your local post office for your options.)
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Please do not pay your debts , debt collectors suck