We’re Using ChatGPT To Fight A $37,000 Lawsuit

0:00Brought to you by CHM, a budget-friendly faith-based alternative to health insurance. CHministries.org slash budget. We have been served papers on an old debt that we now are having to either go to court and fight it or settle, and so we don't have the money for a lawyer, so we've been using chat AI to kind of guide us through, and so far it's worked, like, you know, if we've been able to prolong it a little bit, so but now, you know, I need guidance, I need real guidance on what to do and where to go. How long ago was this? It's okay. Take a deep breath. Sorry.

1:00It's okay. Sorry. I'm just nervous and then it's just very emotional. Yeah. Stressful. Stress. Yeah. Yeah. So, the debts from 2017, or we took the loan out in 2017 and then, like, around 2019, it's a so-fi loan. It gave us 50 grand. It was great. We re-confolitated debt. It didn't work. And so, around 2019, I had a baby and then right around the corner of 2020, all of a sudden, I was home and had to quit my job and so it was just my husband. And we were kind of like, we missed a couple of payments and, but we would catch up and then, right around the corner of 2020, like, they just sold it off. Like, it didn't matter. Yeah. Yeah. We've been fighting it ever since they served us papers. December 16th, I've been coping.

2:02Like, we only had 20 days to respond and I think they were hoping that, with the holidays, we wouldn't be able to find a lawyer and we wouldn't know what to do. We just wouldn't respond. But we did. We got it together. We put it in chat. Chat gave us some information. We sent it. They sent us back discovery. Most of it redacted. And so, our next, like, we were going to send another request for more discovery. But instead, we just sent them a pro-say if they would settle and say, what company owns the debt right now? Do you know the name of it? LVNV. And what's the LVNV? Yeah. Okay. So, Lisa, I need you to just understand who you're dealing with because I do think that always helps the stress level. Okay. When bad debts, whether it's loans, credit cards are sold, they sell them to a company, the company, you know, repackages them with other loans, sells it to another company,

3:06and it's been probably passed around. Okay. So, you're dealing with someone who's sitting in a cubicle. If you miss health plan, open enrollment, don't panic. Christian Health Care Ministries offers a budget-friendly alternative to health insurance and you can join at any time. With CHL, there are no network restrictions. And members say they often save hundreds of dollars a month compared to traditional insurance. So, make a change that fits your budget, your values, and your timing. Check out CHministries.org-budgets to learn more. So, you're dealing with someone who's sitting in a cubicle who's been on the job for probably three weeks. And we'll probably end up leaving in two months because the turnover rate with collectors is constant. It's constant, okay? So, it feels scary and it's a big number, right? So, we're going to have to address it, but I do want to take some of the stress off of who it is. It's someone who honestly has probably the worst job on the planet who is calling and serving people old debt.

4:11And again, the intimidation factor is so big, but the reality of it's not leases. So, we have to deal with it. So, I'm not minimizing the situation, but I do want you to just realize the person you're talking to or who even wrote the letter to serve it. It's probably not even going to be there in 60 days. It's going to go on to someone else. And then the company in V, or whatever. Ellen VNV. It's okay. Okay, there you go. Lisa, I used to back in the day when the credit card companies used to call me and debt collectors used to call me. I used to just imagine that they probably had more debt than I did, otherwise they wouldn't be working there. And it made me feel a lot better. It made the whole thing a lot less intimidating. So, you have no money right now. Have you offered to do any sort of payment plan? So, in the past, like the past couple of years, we did a payment plan for like, they'll do one for like 12 months. And then after that amount of time, they'll hit you back up and they want to hold it out.

5:12Sure. So, explain to us what's going on with your money now that over the course since 2017 and even 2020 on where we haven't been able to kind of stack together any money to make any sort of deal on this or keep the payment plans going. Tell us what's going on now. So, now we're doing better. Like, our income is getting up there in 2020. It just wasn't. What is it today? What's your income today? 204. Okay. And is this the only debt that you have or do you have other debts? Okay, tell us really quickly about the other debts. So, we can understand how this fits in. So, we have 58,000 of like other debt and cars. Tell me the cars, what do they each total? One is 11 and one is 15. And then the other debt is, I think there's two loans like small loans and then card cards.

6:17So, we've been paying it down like it was much worse than that. So, there is a light at the end of this tunnel like 58,000 sounds really, really bad and it is. And then we have a mortgage and our mortgage is 175,000 but our houses were like 450. Yeah. Okay. So, I just, with the numbers you're telling me, I don't see a world where you're not setting up a payment plan and in the meantime stacking up a bunch of cash to settle. I think a lot of your trauma and shame about this lives in the past because it sounds like today you have the ability to start getting this cleaned up. Unless you tell me a reason that you don't see that hope. Oh, I do. Yeah. I mean, do you think that we should settle? Yes. Yeah, you just have to have the amount of money to settle. And depending on how long it's been and how long, you know, considering this was a, you stopped really paying in 2020, it's been six years. So, they're probably not expecting to really get paid Lisa.

7:17I mean, at the end of the day, they're probably, you know, they probably assume you guys are broke. So, if you could... You could try it 50% instead of less. Yeah, that's what I was going to say. If you could get maybe 15,000 and that means you guys are going to have to limit your life. Like, you guys are going to have to be working extra. You're going to limit lifestyle. You're going to do whatever you can and you're going to get 15,000 dollars as soon as possible. And if you can hold them off till then and then see if they will settle. If you can somewhat get maybe back on a payment plan and then have an amount of money and say, this is what we have. What are your cars worth? The one that's 15,000, if you were to sell it, what could you get for it? Maybe 20 or 22. You know what I do. I'd sell one of these cars and be done with this today. Hypothetically. I'd sell one of these cars if you can get 24 it and you only owe 15. I'd get a $5,000 car. I'd get a $5,000 saddle. Is it paid off or... I'm sorry. Yeah, I would do that. I would clear that out.

8:18Get more money per month. Then I can add that up and then I can settle this debt very quickly. That's what I would do. It's going to be a major sacrifice. But the way you cried when you came on the line, this has been going on for too long enough. Like far, far too long. And I would be going to great extents to make this better in the next... I'd give myself 30 days to make this happen. And if that means selling cars and driving junkers, then that's what I'm going to do. Christian Healthcare Ministries can save your family hundreds of dollars on healthcare every month. Learn more at CHministries.org slash budget.