- Report: #112234
Complaint Review: Discover Card - Internet
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Discover Card
Discovercard.com Internet, U.S.A.
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Discover Card Sues Disabled SSI Recipients Delaware Internet
Discover Card sues handicapped SSI recipients. Permanently handicapped, living on $564/month, I was sued for over $6000 by Discover Bank and its attorneys, John D. Krisor and Associates of South Bend, Indiana. They even sought and received a summary judgment after I failed to contest the suit.
The lawsuit was filed in June of 2004 in Vanderburgh County Superior Court in Evansville, Indiana. The summary judgment was obtained in September of 2004.
I am a chronic schizophrenic. I am permanently disabled and will almost certainly never have any income other than SSI. This means that I am permanently judgment proof. This in turn means that the suit was as frivolous as frivolous can be. I sent Krisor and Associates proof of these facts, of course. But this was no deterrent at all to John D. Krisor or Discover Card.
It is important to realize that frivolous lawsuits are forbidden by the Bar Association, because they waste valuable court time. It is wrong for a lawyer to waste a judge's valuable time with a lawsuit, if he can not collect should he win; and it is wrong for a lawyer to monopolize court time with a frivolous lawsuit when other lawyers, representing other people, have cases waiting to be heard.
I had had the Discover Card for a long time but had a low balance. Then Discover offered me a balance transfer rate, so I used it, transferring balances until the balance was close to the credit limit. When the balance transfer period was over, Discover attempted to raise my interest to a higher rate than it ever was before. I declined to allow this; and they closed the account. I kept paying for months. However, I was not managing my credit well. I had to stop paying on some accounts. I called Discover to warn them, and to talk about reducing the interest rate or reopening the account, but the person to whom I spoke said only that if I stopped paying, they would sue. I said I was judgment proof, but the person replied, "Very few people are really judgment proof."
They really did sue. But I really am judgment proof.
Jonathan
Evansville, Indiana
U.S.A.
The lawsuit was filed in June of 2004 in Vanderburgh County Superior Court in Evansville, Indiana. The summary judgment was obtained in September of 2004.
I am a chronic schizophrenic. I am permanently disabled and will almost certainly never have any income other than SSI. This means that I am permanently judgment proof. This in turn means that the suit was as frivolous as frivolous can be. I sent Krisor and Associates proof of these facts, of course. But this was no deterrent at all to John D. Krisor or Discover Card.
It is important to realize that frivolous lawsuits are forbidden by the Bar Association, because they waste valuable court time. It is wrong for a lawyer to waste a judge's valuable time with a lawsuit, if he can not collect should he win; and it is wrong for a lawyer to monopolize court time with a frivolous lawsuit when other lawyers, representing other people, have cases waiting to be heard.
I had had the Discover Card for a long time but had a low balance. Then Discover offered me a balance transfer rate, so I used it, transferring balances until the balance was close to the credit limit. When the balance transfer period was over, Discover attempted to raise my interest to a higher rate than it ever was before. I declined to allow this; and they closed the account. I kept paying for months. However, I was not managing my credit well. I had to stop paying on some accounts. I called Discover to warn them, and to talk about reducing the interest rate or reopening the account, but the person to whom I spoke said only that if I stopped paying, they would sue. I said I was judgment proof, but the person replied, "Very few people are really judgment proof."
They really did sue. But I really am judgment proof.
Jonathan
Evansville, Indiana
U.S.A.
3 Updates & Rebuttals
Bob
Albuquerque,New Mexico,
U.S.A.
I had to stop paying on some accounts.
#2Consumer Comment
Mon, October 11, 2004
Discover Card should be filing a ripoff report against you. I grabbed this off the Internet so who knows if it is true but it sounds good: "A person is considered judgment proof if they have no assets from which a creditor could currently satisfy a judgment. You are judgment proof at this time,..., but that will change when you get some equity in your home or car or inherit some money or win the lottery, etc." Note, it DOESN'T say you are judgement proof because you are disabled. You OWE the money - even a court said so!!
Clarence
Weatherford,Texas,
U.S.A.
discover is not human
#3Consumer Comment
Sun, October 10, 2004
nobody at discover is in anyway close to human.they do have real problems with elderly and disabled people.soon K will be on here telling you you should have read the find print and degradeing you as she has done everyone who post about discover.she is an employee of discover and a find example of the uncaring co that discover is.read the post on my 84 yr old mother and you will see what im talking about.they would just as soon throw money away than even try to work with someone who trys to work with them.good luck and dont let K get to you.
Cory
San Antonio,Texas,
U.S.A.
Reverse Discrimination
#4Consumer Comment
Sun, October 10, 2004
You weren't handicapped enough to run the bills up, but now your too handicapped to pay them. Your story is no different than thousands of others, who have fallen into that same trap. But if any of the CC companies had denied you a card based on your disability you'd be the first to scream DISCRIMINATION, and sue under ADA. You told them, go ahead sue me I'm judgement proof, and they did. And you wonder why. Now you are trying to solicit sampathy and be an advocate of the legal system all in one post. It sounds like they sued you, went to court, you were a no show, and they received their judgement aganist you. So much for judgement proof. Maybe lack of. I'd check with legal aid about some options.
