The week I retained my attorney, I was served papers from one of the collectors (Eaton Group Attorneys) that they were going to seize the money in my bank accounts.
I called my attorney so she could stop them from carrying it out. She had already drafted a letter to that collector that had a judgment against me to cease and desist.
I hadn’t had a chance to write a post about it. I’ve been trying to focus on bigger articles on this and other blogs.
Lesson?
Once a creditor or collector has a judgment against you they can proceed with getting a writ of seizure or a writ of garnishment or both. They can force you into bankruptcy.
Even though a debt is unsecured, they can still legally come after you and take money and assets. Just because the credit card company probably won’t do it doesn’t mean the collectors they sell your debt to won’t do it.
Technorati Tags: bankruptcy, lessons on collectors, writ of seizure
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June 27th, 2008
Posted by
joubess |
Legal Issues |
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For the third time in the last 9 months, my laptop is on the fritz. This time it’s the hard drive and the DVD-CD/RW drive (multi-drive).
Total cost to repair and recover my data: $350
- Hard drive and data recovery: $150
- DVD-CD/RW drive: $100
- Labor: $100
Replacing the hard drive is self-explanatory. Why do I have to replace the multi-drive? It’s how all the software will be loaded back onto the computer. Without it, I’m screwed. I’ll have all my data but none of the associated programs.
I would say this is unexpected, but it’s really not. I’m lucky the hard drive and multi-drive lasted over 4 years. They usually don’t last that long. I was just hoping the hard drive would hold on until fall when I have less time to work online and more money coming in from tutoring.
Plans
As soon as the bankruptcy is over and my income stabilizes, the first thing I’m saving up for (after a baby emergency fund) is a Mac Book. They are about the same price as a Windows machine now, and I soooo miss my Mac.
Productivity
My productivity isn’t what it would be if I had my own computer in my office. I’m back working on the desktop computer until they get my laptop fixed. In the last 9 months I’ve had my laptop in working order for about 6 months. That’s 3 months of lost work.
If I’m going to make a living online, I’ve got to get a reliable computer. I’m praying that keeping the Toshiba going for 6 more months will do the trick and turn the tide on my earnings. I’ve been improving steadily over the last 3 months, but I’ve got to improve exponentially over the next several months to replace the full-time income I’m earning at two part-time jobs.
I still plan to continue tutoring part-time regardless of how much I earn with any other endeavors, online or off. I enjoy it and I would do it for free if money were no object.
Technorati Tags: hard drive, laptop, multi-drive, repair cost
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June 27th, 2008
Posted by
joubess |
Maintenance & Repairs |
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