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ivysaffiliates1 New Deals: Shany Cosmetics Butterfly Makeup Kit, 2011 Collection, All In One Makeup Set http://t.co/I2Xkq821

saltyl0l 0MG(゚゚0)I mist00k :’)'Have a g00d**** day!!!!!!!!!!!'o→0 The collection (**)

surferjosh6 Digging through the film collection to pick something to watch before bed. Hmm a blast from the past? Lost in Space it is!

Mayeuvs Fruits: This is a collection of 45 Tokyo street fashion portraits from Japan's premier fanzine. "Fruits" was est... http://t.co/ViO8TPp7

NaturaLadErikah RT @Marhtakbu2011My Elands Heart: This is a collection of the art and stories of 17 !Xun and Kkhwe artists who live and work in S... ...

I_AM_GiGi @Talk2veeky saw it in a collection....lmao

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OMGItsShellie @HelloEzra since a university is actually a collection of colleges. Some (universities) that are small call themselves colleges.

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ThirdRailers The Funny Papers: 10/27/2011 - A Collection of the Best & the... http://t.co/L9Iv7DhP #tcot #tlot #teaparty #thirdrailers #iamthemob

daisy_merri RT @Harry_Styles And....I appear to be up a Monkey suit. Standard. you should start a collection of animal suits, it would be fab

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Discussions

Can a collection agency have a levy placed on real estate property and personal property owned by the debtor? by Mike D Q: Can a collection agency have a levy or jugdement place on real estate property and personal property owned by the debtor? The propery foreclosed on the 1st lien but the 2nd is still outstanding (currently in collections). The property is located in SC but the debtor works and live in NC? Also if the debtor is 50% owner of his personal home and the other 50% belongs to the wife, can jugdement still be placed on the personal home?

A: you both are responsible and whether the property is real estate or not if you own it or your spouse in some states a lien can be placed against it

How does the debt collection process work on an unsecured loan? by Wildfire Q: I am 105K in debt(mortgage, student loan, car and the unsecured loan) and lost my former job due to lack of work. I got a new job but I am out 15K/yr. Through much juggling, I am paying off everyone except the unsecured loan on which I am paying 30/month(they want 260/mth) and they are unhappy I am paying them so little and threatening to sue me. I am trying to sell the house to pay off the mortgage and the personal loan and this is still at the original lender level. I am hoping I will get to work with a collections agency first since I can offer them the 30 I am now paying the creditor and when I sell the house I can pay the bill in full and have the credit bureau remove the blotch from my credit by showing evidence of payment. Do they go to collections or sue first?If they do sue,will they garnish my wages or freeze my checking account(no savings) or both? How does the debt collection process work on an unsecured loan? Tried debt consolidation but my house is not worth enough to do it and having other debt attached to it would reduce my chances of selling the house and paying off the mortgage and the personal loan. I am really looking for info on how the debt collection process works,not how to get out of debt. I have that part figured out unless I get sued. Thanks Thanks Taja but I am asking what the collection process is. I owe 105K out of which only 9K are unsecured debt. I am paying everybody except for the unsecured debt (to preserve my assets) and paying this unsecured creditor 30 a month hoping to sell my house to pay of the mortgage and the unsecured loan which will get rid of 64K off my debt and put approx 4 K in my pocket to move to an area with a better pay labor market. I am trying to find out (by learning how the collection process works) if I am going to have time to get this done before I have to worry about their coming after my wages and/or checking bank account. In other words, if I can work with a collection agency to which I can offer payments and pay the 30 I am now paying until I can sell the house. I already tried debt consolidation and I can't get a loan for 105 K with a house that is worth 79K as the only collateral. The rest I owe is my car and student loans which must be paid or they will be worse than this creditor. BBOYBALL: My mortgage is in perfectly good standing since I pay that before I even buy food. It is the only assett I have and I want to move to an area where I can work without having to commute an hour to do so. That is why I am selling the house: to move and to pay off the mortgage and the personal loan I took out to buy a new furnace and remove asbestos. I am willing to sell for 76K.

A: The debt collection process When you default on a loan or pay less than your contractual agreement – for instance, you have to pay a set percentage of the amount owing on credit cards or a minimum payment – your account will be passed to the firm’s own internal debt collection people. They will contact you to try to recover what is owed and to check your circumstances. Most banks and financial organisations prefer – at least initially – to handle debt problems themselves. However, if the situation continues for any length of time or they are unable to come to an agreement with you, or you ignore their letters and/or phone calls, they may pass the debt on to a collection agency or try to recover their money some other way. Any debt collection agency used by your creditors must work within the same legal restraints as the original financial organisation and cannot, for instance, try to demand money under threat of physical violence. Often the letter you receive will indicate that you have to pay the full outstanding balance of the debt with a threat that if you do not, further serious action will be taken. Some people get frightened by this but it is essential you respond indicating why you cannot pay the full amount and sending a copy of your budget and repayment proposals. Provided that you maintain the proposed payments, update the information in your budget when asked by your creditors to do so and provide evidence (like bank statements and payslips) when they are requested, most creditors should be prepared to help. However, if you do not voluntarily make payments to reduce your debts or keep to your repayment arrangement, the original financial organisation or the collection agency may apply to get a County Court Judgment(s) against you. In this case you will usually be sent a claim form. This gives you an opportunity to respond – either by defending the claim if you dispute it (using the form known as an N9B) or by offering to repay the debt by instalments (using the N9A form which has to be completed with the same sort of information that is included in your budget). In most cases, provided you complete this form, your proposals are realistic and you keep up the payments, no further action will be taken. If you wish you can attend a hearing and explain your circumstances and present your personal budget but this is not normally necessary as long as you have returned the relevant paperwork within the time allowed and your budget is a realistic one. Failure to keep up the payments agreed can lead to further action. If you are employed and fail to make payments to a CCJ, an attachment of earnings order may be made against you. That means the instalments due will be taken directly from your salary by your employer before the balance is passed on to you. If you are under a judgment(s) from the Court and fail to keep up payments, the creditor also has the right to instruct bailiffs to recover the amount due. This is the likely course of action if you are not working or are self employed and fail to keep up the agreed payments. Bailiffs might also be sent if you fail to reply to any letter from the Court that seeks further clarification of your position

How much would this collection of spawn action figures be worth? by larry Q: I have: Exo-skeleton spawn, sam and twitch, violator two, the mangler, spawn two, the widow maker, curse of the spawn, the goddess, scourge, zombie spawn, nuclear spawn, future spawn, and poacher. they are all in near mint condition: still in the box but in some cases the sealant is coming off in a few places but for the most part they are good. Also if you could point out any of them that would be most expensive that would be great. Thanks!

Is there a book on Kafka's The Metamorphosis (not a collection of essays)? by Jared Q: Need literary/philosophical interpretation.

What is some chill music you would listen to by yourself in a cabin? by Blacob Q: Okay, so I'm probably not going to find myself in a cabin anytime soon, but I like that atmosphere. Also I am trying to expand my music collection. What music is good cabin morning music? What would be good night music?

my son has a collection of baseball cards he has collected since he was little.Are they worth anything? by Aussie 4 Q: The idiot who says a stupid comment like reproducing?? What the hell does that have to do with the value of baseball cards..you are a dumb ass! Dont comment unless you have something nice to say! My son is my only child for your info.

Is It Possible To Build A Deck Straight From Legendary Collection 2? by Daniel Q: Just say if I wanted to build .... Elemental hero. etc

Can you make a deck out of the legendary collection 2 only? by Bryson Williams Q: I was wondering if you can make a deck out of just the box. And how good would it be?

Since liberals want to cap citizens earnings & cons want to cap govts tax collection why not a compromise? by Peace Q: Agree to cap citizens earnings and government tax collection at the same amount, let's say $2 trillion. So Bill Gates cant earn more than $2 trillion and government cant tax more than $2 trillion. Is that a good compromise?

Does anyone know of a site that has a collection of beautiful exterior paint schemes of homes? by BruceWayne Q: About to paint my home and I want to get a good view of options. I've tried a few sites but they all seem like a waste of time. Thanks y'all.

A: I found a wonderful video on You Tube of "Exterior House Colors, Exterior Paint Colors and Ideas" that maybe you can find helpful: http://www.youtube.com/watch?v=c-EarXHi6LQ

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