Banks, Collectors, and CRAs Discuss the elimationa of secured and unsecured "debt", as well as tactics for dealing with debt collectors and credit reporting agencies.


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  #1  
Old 09-12-2005, 09:45 AM
ksj12345
 
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judgement by wolpoff and abramson

I live in Pa. Lost our jobs and couldn't pay credit card debt. Wolpoff and Abramson got one account. They won a judgment against me because at the time I had no vehicle or know no one around here for a ride to go to courthouse to file my side of this. What I want to know is what are my options now? I own my home free and clear. It is homestead exempt. They are still charging me 18 percent interest even though I found on other sites that for my state in either collection or judgment that they can only charge 6 percent. I have been making monthly payments of 200 dollars to them. Can they force me to give up my property? What about bankruptcy? We paid these religiously. If my payment was 150<I would pay 400. But due to my common law hubby's ongoing pain from a drunk driver years ago, we had no money and I can't find work. What are my options. Can someone please answer this so that I know what my options are?

Last edited by ksj12345 : 09-12-2005 at 02:47 PM.
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  #2  
Old 09-12-2005, 04:52 PM
ksj12345
 
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Why won't anyone help?

I posted this earlier today and plenty have looked at it but with no response. Am I that screwed by these people?
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  #3  
Old 09-12-2005, 07:16 PM
Smith Smith is offline
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I would help,but I am still new here and not really too sure about what I am currently doing .....work in progress

With that in mind I will give you some encouragement " Go get them"

research research and study Did you look in the member's down loads section??

There is a post somewhere I believe in the success stories against these guys.

Good Luck
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  #4  
Old 09-12-2005, 07:22 PM
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RickA RickA is offline
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Location: Virginia
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In no way are the following words legal advice.

The following words are not legal advice.

Ok, this may not be much or, may be nothing at all, but check the link out
Hope the information in the link will be of some help.
http://www.bankruptcyaction.com/paexemptions.htm

Last edited by RickA : 09-12-2005 at 07:45 PM.
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  #5  
Old 09-12-2005, 08:40 PM
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Hi there KSJ and welcome to the board!

Some of us work LONG hours here! Anyway, read this PA court case concerning an appeal by a defendant over the interest charged by the utility company after they obtained a judgment against him... I would use this as ammo in any PA court.....

J. A29009/02
2002 PA Super 338
EQUITABLE GAS COMPANY,
:
IN THE SUPERIOR COURT OF
:
PENNSYLVANIA
:
Appellant
:
v.
:
:
BETTY F. WADE,
:
:
Appellee
:
No. 183 WDA 2002
Appeal from the Judgment entered on
December 31, 2001, in the Court of Common Pleas of Allegheny
County, Civil Division, at No. AR00-7958.
BEFORE: LALLY-GREEN, BENDER, and GRACI, JJ.
OPINION BY LALLY-GREEN, J.:
Filed: October 31, 2002
¶1
Appellant, Equitable Gas Company, appeals from the judgment
entered on December 31, 2001, following a non-jury verdict in Appellant's
favor. Appellant challenges the trial court's ruling on post-judgment
interest. We affirm.
¶2
The factual and procedural history of the case is as follows. Appellant
is a public utility supplying gas to customers in the Pittsburgh area.
Defendant/Appellee, Betty F. Wade, is a customer of Appellant. On
December 20, 2000, Appellant filed a complaint alleging that as of December
4, 2000, Wade owed $5,992.43 in overdue gas bills. Appellant sought
judgment in the amount of $5,992.43, plus pre-judgment interest, plus
post-judgment interest at the rate of 18%.
¶3
The legal rate of post-judgment interest is 6% per year, pursuant to
42 Pa.C.S.A. § 8101. Appellant contended that 18% post-judgment interest

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J. A29009/02
was collectible pursuant to a lawful tariff stating that Appellant was entitled
to collect up to 18% annual interest on delinquent accounts until the bill is
paid.
¶4
On February 13, 2001, Wade filed a motion for partial judgment on the
pleadings. Wade argued that any post-judgment interest awarded in the
case should be set at the 6% statutory rate. On May 24, 2001, the trial
court (Wettick, J.) granted Wade's motion and struck Appellant's claim for
18% post-judgment interest.
¶5
The case proceeded to arbitration. On June 22, 2001, the board of
arbitrators entered an award in Appellant's favor in the principal amount of
$5,320.88.1 Appellant appealed to the Court of Common Pleas. On
December 27, 2001, the trial court entered a non-jury verdict in Appellant's
favor in the amount of $5,320.88, plus prejudgment interest at 18%, plus
post-judgment interest at 6%. The verdict was entered on the docket on
December 31, 2001. Both parties filed post-trial motions, but Appellant filed
its notice of appeal before the trial court disposed of the motions.2
¶6
Appellant raises four issues on appeal:
A.
Whether the mere entry of judgment is sufficient to
constitute payment of a debt?

1 The reason for the discrepancy between the principal amount awarded and the principal
amount demanded is unclear.
2 The trial court did not order Appellant to file a Concise Statement of Matters Complained of
on Appeal under Pa.R.A.P. 1925, and did not issue a Rule 1925 opinion.
2

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J. A29009/02
B.
Whether 42 Pa.C.S.A. § 8101 should preempt
Equitable's tariff rate for late charges after entry of
judgment?
C.
Whether a utility's tariff should be interpreted as if it
were a contract or construed as a statute?
D.
Whether the trial court has jurisdiction to interpret a
tariff contrary to its plain meaning and thus
effectively change a rate established by tariff?
Appellant's Brief at 7.
¶7
Although styled as four arguments, Appellant raises four aspects of a
single argument. Specifically, Appellant contends that it holds a lawful tariff
authorizing a late charge of up to 18% per year until Wade's gas bill is paid
in full, and that this 18% rate should apply to the judgment amount, rather
than the 6% statutory rate of post-judgment interest.
¶8
The statute governing post-judgment interest is set forth at 42
Pa.C.S.A. § 8101, which states:
§ 8101. Interest on judgments
Except as otherwise provided by another
statute, a judgment for a specific sum of money
shall bear interest at the lawful rate from the date of
the verdict, or from the date of the judgment, if the
judgment is not entered upon a verdict or award.
42 Pa.C.S.A. § 8101 (emphasis added). The legal rate is 6% per year. 41
P.S. § 202.
¶9
The judgment at issue is "a judgment for a specific sum of money,"
and the legal rate will apply unless statutory authority provides for a
different rate. Appellant argues that it is entitled to a rate of 18%, based on
3

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  #6  
Old 09-12-2005, 08:41 PM
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Equitable Gas Company v Wade part deux

J. A29009/02
two factors: (1) a regulation governing late payments of utility bills, as set
forth in 52 Pa. Code § 56.22; and (2) a tariff that Appellant received from
the Public Utility Commission. The regulation reads as follows:
TITLE 52. PUBLIC UTILITIES
PART I. PUBLIC UTILITY COMMISSION
SUBPART C. FIXED SERVICE UTILITIES
CHAPTER 56. STANDARDS AND BILLING PRACTICES FOR RESIDENTIAL
UTILITY SERVICE
SUBCHAPTER B. BILLING AND PAYMENT STANDARDS
PAYMENTS
52 Pa. Code § 56.22 (2002)
§ 56.22. Accrual of late payment charges.
(a) Every utility subject to this chapter is prohibited
from levying or assessing a late charge or penalty on
any overdue utility bill, as defined in § 56.21
(relating to payment), in an amount which exceeds
1.5% interest per month on the full unpaid and
overdue balance of the bill. These charges are to be
calculated on the overdue portions of the bill only.
The interest rate, when annualized, may not exceed
18% simple interest per annum.
¶10 We now turn to the tariff. The tariff, issued by the Public Utility
Commission on January 6, 1998, and made effective on January 7, 1998,
authorizes Appellant to issue the following charge to its customers:
LATE PAYMENT CHARGE
If payment of a bill has not been received
within twenty days from date of mailing, a Late
Payment Charge of 1.5% per month [i.e., 18% per
year], will be added to the unpaid balance each
month until the entire bill is paid.
4

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J. A29009/02
See, Appellant's Brief in Opposition to Defendant's Motion for Partial
Judgment on the Pleadings, Exhibit A (PUC Tariff).
¶11 Neither the regulation nor the tariff supersedes § 8101, for the simple
reason that neither one is a "statute," as that term is defined by statutory
and case law. "The term `statute' specifically is defined in [1 Pa.C.S.A.]
§ 1991 as `An act of the General Assembly whether under the authority
of the Commonwealth or of the late Proprietaries of the province of
Pennsylvania.'" Ambrosia v. Yerage, 572 A.2d 777, 780 (Pa. Super. 1990)
(emphasis added). Our Courts are not at liberty to alter this statutory
definition:
Under the Statutory Construction Act, the object of
all interpretation of statutes is to ascertain and
effectuate the legislative intent. See 1 Pa.C.S.A.
§ 1921. In interpreting a statute, the words of the
statute must be construed according to their plain
meaning and usage, with technical words being
given their technical meaning, "and such others as
have acquired a peculiar and appropriate meaning
or are defined in this part, shall be construed
according to such peculiar and appropriate meaning
or definition." Id. § 1903(a) (emphasis added).
Section 1991, the definitional section of the Act,
provides that when words defined in § 1991 are
used in any statute enacted on or after September 1,
1937, they shall have the meaning ascribed to them
in the section unless the context clearly indicates
otherwise. Id.; see also Habecker v. Nationwide
Ins. Co., 299 Pa. Super. 463, 445 A.2d 1222
(1982). When the legislature has so defined a word
or phrase, we are bound by its definition. Cf.
Appeal of Neshaminy Auto Villa Ltd., 25
Pa.Commw. 129, 358 A.2d 433 (1976). ... Thus, as
a matter of statutory construction, whenever a
statute, such as 42 Pa.C.S.A. § 8121, employs the
5

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J. A29009/02
term "statute," it cannot be construed to refer to
anything other than statutes enacted by the
Pennsylvania legislature.
Id. at 779-780.
¶12 The regulation and the tariff were not enacted by the Pennsylvania
Legislature. Rather, both were issued by the Pennsylvania Public Utility
Commission. See, Aronson v. Pennsylvania PUC, 740 A.2d 1208 (Pa.
Commw. 1999), appeal denied, 751 A.2d 193 (Pa. 2000). As such, neither
is a "statute" under Pennsylvania law. Ambrosia, supra. Accordingly, we
hold that 42 Pa.C.S.A. § 8101 sets forth the legal rate of post-judgment
interest on the judgment at issue.
¶13 Appellant suggests that it should be able to collect 18% per year until
Wade pays the principal amount due, regardless of the legal rate of post-
judgment interest. According to Appellant, the 18% rate should remain in
effect because the tariff authorizes an 18% rate "until the bill is paid."
¶14 We disagree. Appellant was certainly entitled to charge 18% per year
pursuant to the tariff until and unless it obtained a final judgment in the
Court of Common Pleas. At that point, the doctrine of merger applies. This
Court explained the doctrine as follows:
"When a valid and final personal judgment is
rendered in favor of the plaintiff, the plaintiff cannot
thereafter maintain an action on the original claim or
any part thereof, although he may be able to
maintain an action upon the judgment."
Restatement (Second) of Judgments § 18. After the
plaintiff recovers a final judgment, his original claim
is extinguished and rights upon the judgment are
6

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J. A29009/02
substituted for it. "The plaintiff's original claim is
said to be `merged' in the judgment." Restatement
(Second) of Judgments § 18 comment a.
Kessler v. Old Guard Mut. Ins. Co., 570 A.2d 569, 573 (Pa. Super.
1990).3
¶15 Under this doctrine, Appellant's choice to take recourse with the court
system required it to be governed by the rules governing actions at law,
including statutory provisions governing post-judgment interest. Under the
merger doctrine, after Appellant recovered a final judgment, it may no
longer pursue "part of the claim" (i.e., a claim for 18% interest from the
date of judgment until the bill is paid). Because the judgment extinguishes
any claims with respect to the overdue bill, and because the only legal rate
of interest on a judgment is set forth at § 8101, we conclude that the trial
court did not err in dismissing Appellant's claim for 18% interest after the
judgment was entered.
¶16 Judgment affirmed.

3 Appellant properly points out that Kessler is factually distinguishable from the instant
case, but we conclude that the principles set forth above are applicable to the instant case.
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  #7  
Old 09-12-2005, 08:48 PM
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Livefire Livefire is offline
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All that legal mumbo-jumbo is saying is that since the issue is being adjudicated AT LAW, the STATUTE limiting post judgment interest to 6% takes precedence over Title 56 of the CODE allowing an 18% annual rate. You should be able to get that reversed on appeal...On this site Jerseee and iamfreeru2 are the bomb when it comes to debt and credit matters.

You have a lot of studying to do, all I have done is to show you legal precedent from the PA courts that Wolpoff and Abramson are sticking it to you with that interest rate. Read up everything you can about debt and credit in the download section.

Best Wishes
Livefire
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Old 09-12-2005, 09:09 PM
stomper12000 stomper12000 is offline
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ADMIN EDIT: Advertising not allowed by members with less than 10 posts. and then the proper place is the service providers forum.

Last edited by stomper12000 : 09-13-2005 at 04:53 PM.
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Old 09-12-2005, 09:22 PM
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charlesa6 charlesa6 is offline
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Quote:
Originally Posted by stomper12000
Hi:

There is a web site called Milktoast.info; they can help you. I've been with them almost a year. I consider their methods 100% effective. I also feel that this forum is just as effective. You have to be determined to fight for your financial freedom as long as it takes, don't give up! Pay attention to instructions and follow procedures. I have yet to even see the inside of a courtroom because I try to follow procedures. Get to know the court rules in your area.
stomper12000, welcome to the forum!
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Resolution pending
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Old 09-12-2005, 09:45 PM
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Livefire Livefire is offline
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Quote:
Originally Posted by stomper12000
Hi:

There is a web site called Milktoast.info; they can help you. I've been with them almost a year. I consider their methods 100% effective. I also feel that this forum is just as effective. You have to be determined to fight for your financial freedom as long as it takes, don't give up! Pay attention to instructions and follow procedures. I have yet to even see the inside of a courtroom because I try to follow procedures. Get to know the court rules in your area

Stomper,

One HUGE difference between Milktoast and SuiJuris.....We dont charge almost 400 FRNS for our assistance!!! These people are among the best and they do what they can to encourage and help others trying to set themselves free without a price attached to it. The moderators and senior members here set the example! That post belongs in the Service Providers section.
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