I AM NEW TO SUI JURIS. I ACCIDENTALLY FOUND THIS SITE AND AFTER READING MANY OF YOUR POSTINGS, AND I FEEL THAT IF THERE IS ANY ADVICE THAT ANY OF YOU CAN GIVE ME, I WILL BE FURTHER THAN I AM NOW AND I AM DESPERATE, DEVASTATED, AND SOCIALLY, I AM NOT WEALTHY OR IMPORTANT TO ANY PERSONS WHO MIGHT HELP ME GET MY LIFE STRAIGHTENED OUT.

WELL, I AM SHY, AND IT HAS TAKEN ME DAYS JUST TO OPEN UP TO YOU, SO HERE I AM,

ABOUT FOUR YEARS AGO, A HOUSE GUEST (HOMELESS PERSON I TOOK IN)
borrowed my car without permission, to pick up his GIRL FRIEND FROM WORK.

MY AUTO INSURANCE HAD LAPSED TWO WEEKS BEFORE, AND I WAS SELLING THE CAR, AND GETTING A VAN.. ANYWAY, HE WAS IN AN ACCIDENT, AND IT WAS HIS FAULT,, I WAS SUED, AND THERE WAS AJUDGEMENT FOR TEN THOUSAND DOLLARS AGAINST ME,
I REALLY MADE THE WORST MISTAKE, OF MY LIFE, I BELIEVED HIM WHEN HE
SAID HE WOULD TAKE RESPONSIBILITY FOR THIS EVEN IF HE HAD TO PAY FORTHE REST OF HIS LIFE...ETC. AND MY EMPLOYER, TOLD ME DON'T WORRY,.. THEY DO NOT HAVE DEBTORS PRISON, AND THERE IS NOTHING THEY CAN DO TO Y OU, SHE SAID THIS OVER AND OVER, AND WOULD THEN CLOSE THE CONVERSATION WITH "YOU CAN'T GET BLOOD OUT OF A TURNIP.. AND SO WHEN I GOT SERVED A SUMMONS TO APPEAR IN COURT ON THIS MATTER, I DID NOT GO,MY BOSS NEEDED ME TO MEET THE SHERIFFS AT A PROPERTY SHE OWNED TO EVICT SOMEONE. I REMEMBER THAT DAY WELL, AND SHE TOLD ME THAT IF THE SHERIFFS DID NOT PHYSICALLY REMOVE THE TENANT THAT DAY THAT SHE WOULD HAVE TO START OVER WITH EVICTON, AND SHE WOULD LOOSE A LOT OF MONEY.

AND SHE WAS DEPENDING ON ME,
IT WAS MY DECISION, I HAVE NO ONE TO BLAME BUT MYSELF, YET THE OUTCOME WAS ABAD, A JUDGEMENT FOR TEN THOUSAND DOLLARS, WHICH WAS IN SEPTEMBER, AND YET THE COLLECTION AGENCY INTERCEPTED THE NOTICE OF SUSPENSION FROM DMV, AND HELD IT UNTIL DECEMBER 20, THEN MAILED IT TO ME. SO I WAS DRIVING WITH A SUSPENDED LICENSE FOR THREE MONTHS.
ANYWAY, I CONTACT THE COLLECTION AGENCY, AND ASK WHAT DO I DO TO GET MY LICENSE BACK AND THEY SAID "OH, GIVE US $25.00.00. AND I SAID I DO NOT HAVE THAT MUCH MONEY. ETC ETC. SO I HAVE BEEN DRIVING WITH A SUSPENDED LICENSE, AND NOW MY INSURANCE CO WOULD NOT RENEW MY INSURANCE, AND I DO VOLUNTEER WORK FOR HOSPICE IN LONG BEACH, AND THEY SAID I HAD TO RESIGN , AS I COULD NOT BE AFFILIATED WITH THEM WITHOUT INSURANCE, ETC,,

SO MY EMPLOYER, SAID SHE WOULD LEND ME $1000.00 , actually, give me an advance, not a loan AND SAID I SHOULD MAKE AN OFFER TO THE COLLECTION AGENCY OF $1000.00 DOWN PAYMENT AND $100.00 per month. and they SAID OK THEY WOULD ACCEPT THAT.
HOWEVER, MY EMPLOYER SAID GET IT IN WRITTING, AND ASK HOW AND WHEN THEY WILL LIFT THE RESTRICTION ON LICENSE ETC, AND IS THERE A CAP ,, ON THE AMOUNT OWED SINCE IT IS TEN PERCENT INTEREST PER YEAR, I WILL BE PAYING FOR TEN THOUSAND YEARS,,AND BOTTOM LINE IS
THE MANAGER, SAID OK HE WOULD GIVE ME THIS IN WRITTING, BUT WONT AND DID NOT,, I THINK HE JUST WANTED TO POCKET SOME JINGLING CHANGE,, ($1000.00).

WELL, I WANTED TO KNOW ABOUT THE "LAW", WHAT AUTHORITY GIVES THE RIGHT FOR A COLLECTION AGENCY TO DECIDE WHEN I GET MY DRIVERS LICENSE, AND DECIDES THE TERMS ETC.

I WAS NOT DRIVING MY CAR, I DID NOT HAVE THE ACCIDENT,YET IT WAS REGISTERED TO ME, WHY AM I BEING PUNISHED SO SEVERLY, AND IS THERE
ANYPART OF THIS LAW, THAT MAYBE I DO NOT KNOW ABOUT?
MY FAMILY IS ALL GONE, I HAVE ONLY A SON WHO IS TWENTY FOUR, AND I HAVE NOONE TO HELP ME,.. OR ADVISE ME, MY EMPLOYERS SON IS AN ATTORNEY, YET HE IS TOO BUSY,,AND MY EMPLOYER NOW SAYS AFTER I TOLD HER IT WAS NOT A GOOD MOVE TO NOT GO TO COURT,,
SHE SAYS,, THE OUTCOME WOULDHAVE BEEN THE SAME, AND "BY THE WAY, WHY IS IT THAT YOU DID NOT GO TO COURT THAT DAY"... so CLEARLY,,,THERE IT IS.
IF ANYONE KNOWS ANYTHING ABOUT THIS KIND OF LAW.. OR SITUATION,,I REALLY WILL LISTEN,,

I HOPE I POSTED THIS CORRECTLY, AND SORRY IF IT IS TOO LONG,,