Recent content by GrumpyWillis

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    First party debt collector lying

    Not sure you had to be rude. No high horse here. I just expect everyone to play by the rules. The lending was predatory in the first place with interest rates that changed over time, so high it was meaningless to pay in the end because paying the minimum payments just caused the balance to...
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    First party debt collector lying

    I am getting contacted by a company named ARCHMI formerly United guaranty regarding an ancient PRIVATE student loan originating with citi bank. (No payment by me since 2011). They claim there was a payment made August 2016 but that would still put this debt outside of the statute of...
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    Can I release insurance of all liability and not put us at a disadvantage somehow?

    Thanks for all the advice. I ended up telling the claims guy at the insurance company that I didn’t want to sign anything until everything else was settled because signing something that said “all claims” made me uncomfortable. Our car was fixed adequately and we just reached a final...
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    Can I release insurance of all liability and not put us at a disadvantage somehow?

    I told the claims guy of my reservations and he changed the document I have to sign. What is your thoughts on this? It puts a pending next to property damage but all the other language is basically the same.
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    Enterprise Rental car oil leaked all over my driveway

    Spoke to an area manager today. Surprised they called me on a Sunday. They’re gonna reimburse me for the material I had to buy to soak the spill and for someone to come and clean my driveway. Figured this would be an uphill battle. But I have it on my security camera that the car was leaking...
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    Enterprise Rental car oil leaked all over my driveway

    State is Tennessee I got a rental car(s) from enterprise after my car was rear ended. the first car I got, the transmission failed 3 days in. the second car a 2022 rav 4 dumped oil all over my driveway. And not just a little bit of oil, literally all of the oil it had. I pride myself...
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    Can I release insurance of all liability and not put us at a disadvantage somehow?

    the claims guy actually mentioned only I should sign mine right now because if we both did we wouldn’t have an open claim anymore and our cars still in the shop. But was still leery as I didn’t know if there was some weird legal thing that if I released them from Liability it would somehow give...
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    Can I release insurance of all liability and not put us at a disadvantage somehow?

    This is in TN Little bit of back story: me and my wife got rear ended by a truck a couple weeks ago. The man admitted fault, his insurance is fixing the car. The first claims person Asked if we were injured I said no but a little sore. She said since I said that she had to open a medical...
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    Garnishment Can I Use Wildcard exemption for debt collection

    I don’t believe a bankruptcy will be necessary. This is my only debt I have. And if the $10,000 exemption works to keep them from garnishing my bank account and taking my old car, they will never see any money from me. In fact once I empty the account paying for my wife’s masters degree in...
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    Garnishment Can I Use Wildcard exemption for debt collection

    Thanks for the replies. I will take that under advisement.
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    Garnishment Can I Use Wildcard exemption for debt collection

    Tennessee Code Title 26, Chapter 2, Part 1 (2020) - Exemptions :: 2020 Tennessee Code :: US Codes and Statutes :: US Law :: Justia Thank you for the response. I did actually read that exact page as I was doing my research and it appeared as though it was meant to be used for any type of...
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    Garnishment Can I Use Wildcard exemption for debt collection

    The form is this one here: https://www.tncourts.gov/sites/default/files/docs/protected_income_and_assets_-_march_2013.pdf
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    Garnishment Can I Use Wildcard exemption for debt collection

    Hello, i am being sued for roughly $4000 for a credit card I defaulted on in late 2017. I have become disabled since then and cannot work and have zero income. I am married and my wife has a job but she will not pay this debt and she isn’t responsible for it. I do have about $6,000 in my...
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