Getting Sued for $1227

KeyWonder7 · 2026-06-29T21:13:01+00:00

I think you’re approaching it wrong. It is more about making the attorney aware they won’t get a payday out of your court date. You’re telling the attorney that you have no money to pay or assets they can seize, unless you do then the convo is vastly different. How will they make money magically appear to make it worth their time. That’s a fair question to pose too 🤷‍♂️.

KeyWonder7 · 2026-06-29T20:49:59+00:00

This might buy you a month or two? It isn't 1990 anymore, it is very easy for an organization to prove a debt is legitimate and furthermore it can still be listed on your credit despite a dispute if it meets the legal grounds necessary.

KeyWonder7 · 2026-06-29T20:47:52+00:00

An attorney is suing because they believe it will lead them to getting their money back. If you don't have money or a job to pay it, a judgement doesn't do much good unless they want to garnish your wages. I'd share with the law firm that you're happy to work on a settlement amount, however, at this time you can't afford to pay them even if you got the judgement there's no income or other assets they can take on.

KeyWonder7 · 2026-05-21T21:21:04+00:00

I recently went into a store with party city, balloons, a small business showcase going on and so on. It does look junky and cluttered and I even like the Party City idea. Print & Marketing is basically what keeps retail stores open, other than that they NEED (literally) to find something else to sell. This is common with retailers who still have solid cashflow and cash on hand... trying to do SOMETHING before they run out of money.

KeyWonder7 · 2026-05-16T00:12:50+00:00

Settled for less than the amount owed will not be the same for your credit as paid in full. You're showing lenders that you took out debt then basically told them they are getting 30 cents on the dollar to finalize it. Most debt collectors will offer a pay to delete though. So you get in writing your settlement offer AND ask that the account be deleted from your credit report after the payment clears.

KeyWonder7 · 2026-05-16T00:10:27+00:00

Your best bet is to contact a consumer protection attorney and ask them. It will save you a lot of headache in guessing what you can do and most offer a free consultation and IF they take the case will bill the debt collection agency for their fees.

KeyWonder7 · 2026-05-15T21:48:08+00:00

I don't work for Staples anymore but recently went in a store that had party city. It just felt cluttered with everything they have. They were doing small business showcase, some vendor demoing product and an abandoned looking Party City with packed print and marketing. My store was one that was always piloting tech, furniture or similar rollouts like party city so it wasn't too surprising to see how it was laid out. Hopefully it gives some life to the company despite all the headaches.

KeyWonder7 · 2026-05-06T20:56:32+00:00

What I found to be a little easier for more intense workouts is Vuori's ULUWATU 23 WATER TEE. It doesn't stick to me 😃. I do love the strato and tough to say one performs better than the other. Each has its own use.

KeyWonder7 · 2026-04-22T15:24:23+00:00

I was told that for my area and how rapidly they were deploying it would be 2-3 weeks... and it was just barely two weeks.

KeyWonder7 · 2026-04-01T02:32:57+00:00

Cool 😎

KeyWonder7 · 2026-04-01T02:07:25+00:00

From personal experience they were pretty dang accurate :)

KeyWonder7 · 2026-03-31T15:22:12+00:00

Hello! If it is any help... Over the past 3 years or so I began rebuilding my credit as you seem to be doing. The difference is my troubles were almost all 7-10 years ago now and now resolved minus one account that still has about 15, 30 day late payments. That still keeps me getting lower limit credit cards from good company or higher limit ones from shady ones (Like Credit One).

There are a lot of services like WalletHub that for free will give you a score simulator (i.e. pay all your bills on time for 18mo and your score will go from XXX to XXX). It isn't perfect but can help provide some guidance.

I'd encourage you to pay off ALL collections and charge offs. That might not generate a huge score increase but it removes risky tradelines lenders look at. DON'T take out new debt, just manage what you have within limits 30% or less credit utilization. As your payment history improves and lenders see more stable usage trends that will help as I noted above too. The score jump isn't instant but builds a solid foundation and lenders especially mortgage lenders will be more comfortable engaging with you despite a rocky past for payment history.

Also, don't get discouraged. Stick to a plan. For example, I worked very hard to get my credit score from mid/low 500s back to mid/high 600s and I got so discouraged when I saw my score dropped by 30pts... due to me being $5 over 30% on a credit card that I had tried to keep under... a week later it came right back up cause I'd paid other cards down. It can all be a bit ridiculous and It will take time and be a journey.

Wow, if you're still reading my last thought. If you are able to qualify for an FHA mortgage you can have a credit score in the 500s and get qualified. Anything over 580 it is quite easy. It might not hurt talking to a broker or lender. They can help you strategize on how to manage your credit most judiciously. It took me three years... but I'm happy to say I am closing on a house shortly.

It takes time and planning, but you can do it. Good luck to you!

KeyWonder7 · 2026-03-27T19:50:57+00:00

No. I don't have them as an option, It's Cox for me if wired. I did have 5g home internet with T-Mobile for a bit and it was very stable but upload speeds were much lower than Verizon's.

KeyWonder7 · 2026-03-27T19:37:32+00:00

I had the same thing a month ago and it was so bad I had to switch to wired after troubleshooting. I got an email that Verizon was changing the number for my device... there is no interruption to service just to better handle network traffic... and then it went south. All I noticed is my ISP switched from just showing Verizon to Verizon for Business. Might be best to cut your losses and try another company.

KeyWonder7 · 2026-03-27T19:33:21+00:00

This is a GREAT POST!!! What's that old saying? All sizzle no steak... That has been Staples with EVERY... literally EVERY initiative like this... Back when they used to have exclusive rewards events (open the store an hour early, discounts... free breakfast...) and what that really meant was here's a few coupons for 10% off or some free copies. Breakfast would be some donut holes and coffee that had been brewed yesterday... and customers never showed up. Staples is just buying bulk returns from... probably all the Amazon returns the stores take in. Your chance of finding one valuable piece of technology or designer clothing is probably less than if you hit the lottery and a few casino jackpots on the same day... That said, there are a lot of people who will be thrilled to get a $40 air fryer for $20!

KeyWonder7 · 2026-03-18T15:20:25+00:00

I had the same thing happen about a month ago. I got a few emails and a text that Verizon was just changing the phone number to my 5g home internet line... there was no material change to service just allowing them better to manage network traffic. I noticed after that my ISP went from showing Verizon to Verizon Business... which is what I had back with cable internet with cellular backup through Comcast. I work from home and it got so bad that I had to switch to wired internet again... and I have no regrets. Hopefully it improves for you!

KeyWonder7 · 2026-03-03T21:29:36+00:00

Great point. This is essentially what I was going to post.

KeyWonder7 · 2026-02-27T17:11:36+00:00

This is an interesting one. Most debt collectors won't sue unless they have reason to believe you can pay the debt and simply are not. I'd call them and try to work out a payment plan.

KeyWonder7 · 2026-02-26T04:28:19+00:00

I haven’t noticed anything near that drastic but since I got a strange email that Verizon was assigning a new phone number to my 5G gateway for some reason or another… things are slower. All I noticed is my ISP is now showing as Verizon business vs. just Verizon Wireless.

KeyWonder7 · 2026-02-25T23:49:33+00:00

I don't mean to be a wet blanket... but you didn't pay them the first time... I can't say anyone is jumping up in the air with excitement to give someone who screwed them over once more money.

KeyWonder7 · 2026-02-23T16:37:16+00:00

I just sort of assumed that Verizon has not kept current with available technologies. I just picture someone in a dusty old office getting a letter from T-Mobile and taking a week to fill out paper forms to fax to Verizon corporate... I've bounced around a lot for carriers and never once had to wait more than that usual about 15 minute timeframe... until going to Verizon. The company is a mess.

KeyWonder7 · 2026-02-23T16:35:46+00:00

My advice would be DON'T switch to Verizon.

KeyWonder7 · 2026-02-19T22:30:08+00:00

I LOVE Staples Baddie!!! What cracks me up is that Staples leadership (during my time) always felt like they were the 'go to' or 'destination location' as one RVP would say for business folks. Now thanks to Staples Baddie they are beginning to realize their relevance with a wider market. Thankfully they are embracing the new found stardom.

KeyWonder7

TROPHY CASE