Southern Chemical and Equipment LLC
Sarasota,#2Consumer Comment
Thu, May 03, 2012
First understand that nobody can take any personal property from you without suing you first and getting a judgement, with the exception of property used as collateral on a loan.
These debt collectors have most likely violated federal law in that they have violated the FDCPA.
They can garnish your pay, and the max garnishment in FL for civil judgements is 25% of your income which will cover all debts combined.
School loans are subject to a higher level of collection activity, but they still cannot take your primary residence or your only vehicle, and there are stricter rules on garnishment of any retirement or disability income or unemployment.
Never use third party debt "consolidators" as you call them. That is just asking for trouble. It costs you more money and opens you up to more risk, when there is nothing they can do for you that you cannot do for yourself.
Your best option would be to file for SSDI and any other public assistance you can get and then file for bankruptcy. Then your only remaining obligation is the school loans, and the bankruptcy court will determine how much you pay them per month.
Shaka
ironton,#3Author of original report
Wed, July 23, 2008
Somene replied and recommended disability. I have often thought of that when im on my last leg at work, digging to take that last table for that last tip, kowing i will have to call fmla(family medical leave act) the next day or so due to the excruciating pain i feel right then. the two to three days i can make it get me by and i push through the pain and try not to use any perscribed pain meds out of pride or being smart (addiction). I just see others in my situatiion whom are able to do less, and they are denied disability, so that has discouraged me. But as i approach 45 years of age, its becoming reality. I will check into it though. I am just more concerned about the recent threats and trying to protect my job, home, and threats of asset overtakings that i do not longer have due to sell(car)!!!
Dani
Clive,#4Consumer Suggestion
Tue, July 22, 2008
Have you looked into disability?