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SP friendly attorney / bankruptcy trustee?

Hi everyone

I am searching around to see if anyone has any referrals (current SPs or the guys here) for a friendly and understanding attorney/trustee to meet with and discuss some complications.

In addition to future financial planning, I need to talk with someone who is supportive of me being in this industry who can help me. I recently found out I am being sued by creditors. Of course, they never served me the court papers and so the judgement at the hearing(s) I missed was to garnish my wages. All accounts are frozen and my money is GONE.

I need to talk with someone to help me come up with a secure plan that will flow well with the judge(?) and the creditors I am up against!

Thanks everyone, I know you'll pull through. I want to kick their butts. :)
 

gcostanza

Well-known member
Jul 24, 2010
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Hi everyone

I am searching around to see if anyone has any referrals (current SPs or the guys here) for a friendly and understanding attorney/trustee to meet with and discuss some complications.

In addition to future financial planning, I need to talk with someone who is supportive of me being in this industry who can help me. I recently found out I am being sued by creditors. Of course, they never served me the court papers and so the judgement at the hearing(s) I missed was to garnish my wages. All accounts are frozen and my money is GONE.

I need to talk with someone to help me come up with a secure plan that will flow well with the judge(?) and the creditors I am up against!

Thanks everyone, I know you'll pull through. I want to kick their butts. :)
You were sued by creditors, (people/companies you owed money to), and now your (correction), their money has been used to settle the debts?

Seems fair to me.
 
You were sued by creditors, (people/companies you owed money to), and now your (correction), their money has been used to settle the debts?

Seems fair to me.
Correction, I was asking for friendly and supportive information. :)

Fair, perhaps -- if I was served the court papers (which, legally I am entitled to.) to attend the hearing to defend myself. For starters, I was not given this chance. While I agree that creditors are entitled to their money -- I do not agree that my bank accounts should be garnished forever and ever. My next step is a trustee to discuss bankruptcy options or a consumers proposal, etc.

So I owe money to credit card companies -- Who doesn't? I'm supposed to sit here and never be allowed to deposit a legitimate pay cheque for the next 5 years? No.. I am entitled to confront them and arrange payment options to get myself out of this situation.

Hence coming here and asking for help from someone who does this for a living who I can be upfront about my situation and intent to pay, given my occupation. Instead of just going through the yellow pages and saying "Uhh, I... babysit?"

But THANKS for stating the obvious anyway. :)
 

peter4025

Active member
Mar 10, 2010
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Unfortunately the money taken is gone. Won't be able to get it back. Now you have two options
1) go to any credit counseling company and ask the to help you write a consumer proposal. This will wipe out some of your debt and they will arrange a consolidation of debt monthly payment (most probably interest free) to pay it off.
2) go to any bankruptcy trustee and talk to them to start procedures to declare bankruptcy. But it will cost you ( $3000) and if you have any tangible assets you can loose them.
 

gcostanza

Well-known member
Jul 24, 2010
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Correction, I was asking for friendly and supportive information. :)
No, what you stated in your original post was:

I am searching around to see if anyone has any referrals (current SPs or the guys here) for a friendly and understanding attorney/trustee (Bold mine)
to meet with and discuss some complications.



Fair, perhaps -- if I was served the court papers (which, legally I am entitled to.) to attend the hearing to defend myself. For starters, I was not given this chance .
It is most likely that the papers were served to the last address that you had given your creditors.

While I agree that creditors are entitled to their money -- I do not agree that my bank accounts should be garnished forever and ever.
Not forever and ever, just until you pay your debts.

So I owe money to credit card companies -- Who doesn't?
I don't.



I'm supposed to sit here and never be allowed to deposit a legitimate pay cheque for the next 5 years? No.. I am entitled to confront them and arrange payment options to get myself out of this situation.
You can deposit legitimate pay cheques whenever you want, much as your creditors have the right to receive legitimate monies owed them by you, that they lent you in good faith. Return the favour, pay your debts.

You used the word entitled, perhaps that is a significant part of the problem here.



But THANKS for stating the obvious anyway.
You are welcome.
 

HOF

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Aug 10, 2009
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Relocating February 1, 2012
Correction, I was asking for friendly and supportive information. :)

Fair, perhaps -- if I was served the court papers (which, legally I am entitled to.) to attend the hearing to defend myself. For starters, I was not given this chance. While I agree that creditors are entitled to their money -- I do not agree that my bank accounts should be garnished forever and ever. My next step is a trustee to discuss bankruptcy options or a consumers proposal, etc.

So I owe money to credit card companies -- Who doesn't? I'm supposed to sit here and never be allowed to deposit a legitimate pay cheque for the next 5 years? No.. I am entitled to confront them and arrange payment options to get myself out of this situation.

Hence coming here and asking for help from someone who does this for a living who I can be upfront about my situation and intent to pay, given my occupation. Instead of just going through the yellow pages and saying "Uhh, I... babysit?"

But THANKS for stating the obvious anyway. :)
You ask who doesn't owe CC companies? I don't!

At 18-24% interest on purchases, I seldom use any of the three that all have large amounts available. No store credit cards either.

You must have seen these things coming.

Good luck.
 

gcostanza

Well-known member
Jul 24, 2010
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A lot of work went into you being a sanctimonious being a douchebag costanza. Any other kicks you want to hit her with while she is down?

Sofia, PM me and I can give you some advice privately. Out of earshot of ignorant cowardly bullies.


I kicked no one, I told the truth.

And, I am not a 1) sanctimonious being or 2) a douchebag.

If you want to coddle her and say it's okay to try to ignore your responsibilities, that is your perogative. It tells a lot about your value system.
That's what got her in to this mess in the 1st place, someone not being straight and telling her to own up to her debts.

Since when did telling someone facts equate to bullying?

Nice insults you're chuckin' there, Keyboard Warrior. :rolleyes:
 

39ajaxmale

New member
Jan 13, 2012
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What she was asking for was assistance in trying to do the right thing, through the court system, with a lawyer/trustee. How is that her trying to duck her responsibilities?

In a normal mediated situation where a borrower and lender get together, there is often a payment plan that is worked out to deal with the retirement of the debt. When just the lender is allowed to argue their side of the story, and make a recommendation as to the settlement of that debt, usually you seizure of property and such.

I think in this case, Sofia just wants her side of the story told, and her interests represented in the debt settlement. Nowhere does she say in her post I need a lawyer to get out of paying.
 
Thanks guys =)

I'm not overly offended by his words. Not everyone can comprehend the series of circumstances another person has gone through to get to where they are, for better or worse. Just like I can't say I know what happened in a person's life to have them grow in to being such a j̶e̶r̶k̶ prick. Must be nice to never have had to worry about these things. However, water under the bridge :)

As for the support thanks guys. :) Going through this alone, it's nice to hear I have the right goal in mind to focus on. Like what was said -- I have no interest in defending myself and not paying. Im fully aware I owe money to collection companies. What I would like, however, is for them to understand I have the intent to pay -- but they can not realistically expect me to give 100% of my income to be distributed as they see fit. People need to pay rent, buy groceries, you know? With accounts frozen and doing nothing about it -- it sort of sends people in to an endless rotating cycle of distress and id just like to have the problem managed and have me kept in the loop in regards to where the money is going, and for how long. :) Things like that!

Which is why I came here to ask for information on finding a trustee or whatnot to submit a consumers report. If I had just went to any old place in the crummy newspaper ads, I would have fumbled all over those private questions they ask.

Just needed a little direction towards my next realistic step... Thanks guys! xo
 

gcostanza

Well-known member
Jul 24, 2010
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gcostanza

Well-known member
Jul 24, 2010
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I'm not overly offended by his words. Not everyone can comprehend the series of circumstances another person has gone through to get to where they are, for better or worse. Just like I can't say I know what happened in a person's life to have them grow in to being such a j̶e̶r̶k̶ prick. Must be nice to never have had to worry about these things. However, water under the bridge :)
Name calling, nice.

And, speaking of sanctimonious, which I was accused wrongly of being earlier in the thread, you have no idea of my background, you have no clue as to my past (or present) financial situation (other than I don't owe on a credit card).

Banks and lenders do not simply snap their fingers one day and decide to garnishee someone's wages, and seize funds in bank accounts.

This situation has been building for months, if not a year.

Had you approached your lenders earlier, stayed in contact with them, notified them of changes in your circumstances, they most likely would have worked with you on a repayment plan that would not be so onerous.
 
Name calling, nice.

And, speaking of sanctimonious, which I was accused wrongly of being earlier in the thread, you have no idea of my background, you have no clue as to my past (or present) financial situation (other than I don't owe on a credit card).

Banks and lenders do not simply snap their fingers one day and decide to garnishee someone's wages, and seize funds in bank accounts.

This situation has been building for months, if not a year.

Had you approached your lenders earlier, stayed in contact with them, notified them of changes in your circumstances, they most likely would have worked with you on a repayment plan that would not be so onerous.
The problem here is.. I did not ask for your opinion or judgement on how you think it got to this point. I'm fully aware! I'm not the first person to fail miserably with my finances, and I wont be the last. The thread was started to ask what I should do next, moving forward. :) You're TOTALLY RIGHT. Shoulda, could, woulda. Does this bring happiness to your day? So all I wanted was a referral to someone who can point me towards the next step. :) However the question has already been answered so thank you for contributing your unproductive two cents. I will add it to the already existent pile of towering knowledge I have learned through trial and error mistakes. +1, someone agrees people should pay their bills on time. Eureka!

Okay this is getting out of hand now :)
 

gcostanza

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Jul 24, 2010
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SIRSPANKSALOT

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Jul 12, 2011
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Hope it's okay to mention a particular company here. My DAD got his pensions garnished at age 87 for a back tax bill and this TRUSTEE took care of it in a heartbeat. His name is CYRIL SAPIRO and here's his site.

http://www.csapirotrustee.ca/

Part of the process is that you have to undergo two compulsory Credit Counselling sessions. Cyril gives you a File Folder with some pamphlets and says, "Okay, let's get started .... don't do it again. Oh, it's TWO sessions .... DEFINITELY don't do it again."

No judgment from him. Tell him what you do .... with the recent Supreme Court decisions, it's a legal profession. (Save your breath, guys ... I know the decision was stayed.)


GOOD LUCK
 

Mod100

Super Moderator
Feb 18, 2010
2,226
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Lord people, let's keep this positive.
 
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