A creditor issued me a store card. Paid as agreed until I was seriously injured by a XXXX one morning whom left me without. All creditors were notified, letter of protection agreed debts were to be satisfied, I did as stated in those letters too. The only creditor who did not honor their word is this bank. Bank sold debt to another company, company sued me ; so, I made an agreement with the court. Bank is known by consumers if they shop at big box stores with the XXXX '', home improvement store with the XXXX '', bank begins with a " S ''. Ca n't write their names ; so, you 'll know them as XXXX and XXXX letters of alphabet, changed many times to now the XXXX letter of alphabet. Located in XXXX that has XXXX XXXX on each side, lots of XXXX, and families who love their theme parks ; a city begins with XXXX letter of alphabet. OK, we all now know whom me writing about. Hidden Truth About Consumer Protection : You think you have consumer protection? You be the judge from my experiences. 
I satisfied that debt greater than I agreed. Have documents showing such. Creditor ( bank ) still reporting this as a Charged Off Account, Past Due, Collections with XXXX credit files when bank " sold this account to another who has been paid ''. I wrote this bank several times, they still refuse to change until I pay them too. Are they nuts ( bank )! Bank want me to pay them ( bank ) too. Gets even better - Why pay any debts whether from a judge 's order or anyone if the debt will " never '' show as satisfied? I wrote the judge asking him to honor his own ruling, his response, " contact a licensed attorney, I ca n't advocate. '' Really judge, you do n't have 93 seconds to look over your own ruling. ( I timed it ). This why you should never give supporting vote to a local judge. 
I reported this attorney after he would not return my calls ( common of an attorney ) ; so, I had no choices left. I filed a complaint to the State Bar, but only after speaking with an attorney friend in a different discipline of law. Response both judge and attorney are violating their duties, contact the Bar. I done all that too - Nothing! 
I presented all cancelled checks to the Stat Bar, well grounded evidence showing where attorney received payments ; now he says he was terminated from Debt Collections firm. Really? Then why would anyone allow another to write checks in your name ( lawyer ), deposit then claim you 're not with them. Sounds like a bunch of smoke ; however, State Bar asked me what they could do for me, and I answered - " Just be honest. '' Their response, " We ca n't do that. '' Ca n't do that because I am not a paying member, not in their club of humbugging, it 's OK if your licensed and one of their paying members huh? This is why I say to any consumer, if anyone contacts you about a past due debt, do n't communicate, do n't accept a subpoena, shut the door in their faces - Do n't say nothing, never pay any debts if you do n't have the funds - Do n't go hungry for those unwarrantable words of consumer law protection. You have no real protection just words that are not enforced equally. Do n't be afraid, stand your ground, or they will run over you! 
Let the judge order a judgment, so what. Get a Pre-Paid card, deposit all your funds in that card. They contact your employer, quit if your employer gives in, find another, or draw welfare others do it, Do n't pay a cent! File taxes where you owe the IRS, refunds are for those who do n't know how to fill out forms. An example why would you get a loan for your own money? Refunds are over payments. Some accounts ca n't attach like Social Security. Until laws are equally applied via the Constitution, do n't give in from fear - Have Fun, Save $ - They got TARP did you? Who does those laws protect, the consumer - Yea right! Do n't go hungry and w/out like me.