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Utah: Woman Loses Home Over $68 Dental Bill!


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Paul A Drockton M.A.
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Unpaid dental bill dogs Utah homeowner
February 28th, 2010 @ 5:59pm

SALT LAKE CITY (AP) -- A Utah woman who lost the title to her house over an unpaid $68 dental bill has been given a reprieve.

The Utah Court of Appeals ruled Capri Ramos is entitled to another opportunity to void the sale of her house at a county auction for $1,550.

The collection agency North American Recovery sued Ramos in 1995 over the dental bill. She did not contest the lawsuit, never realizing the consequences. Her house in the Salt Lake City suburb of Glendale was sold the next year to a group of investors.

On Thursday, the Utah Court of Appeals sent the case 3rd District Court for a hearing on whether Ramos had proper notice of the sheriff's sale and whether the sale price was "grossly inadequate."

------
Information from: The Salt Lake Tribune

(Copyright 2010 by The Associated Press. All Rights Reserved.)
One of the greatest outrages of our time! By law, you cannot place a lien against a home for medical or dental bills. The same is true for credit cards (which are called unsecured debt for a reason). So, these collection agencies buy the debt for 10 cents on the dollar and then convert it into a judgement. How can ANY court lawfully change an unsecured debt with no collateral into one that can be attached to a property?

In my opinion, just more corruption in America.

Jesus said:

  38 And he said unto them in his doctrine, Beware of the scribes, which love to go in long clothing, and love salutations in the marketplaces,
  39 And the chief seats in the synagogues, and the uppermost rooms at feasts:
  40 Which devour widows’ houses, and for a pretence make long prayers: these shall receive greater damnation. (source)


Here are some of the comments from this article: (source)

"It appears that the person stealing the home in this case is a Salt Lake City lawyer by the name of Ralph Petty (according to this link: http://www.bkforum.com/archive/index.php/t-24642.html). How low can Mr. Petty and his "cover" business of Jarmaccc Properties (a legal entity that he can hide behind so his clients won't know that he is out there doing these kinds of things) be? I will bet that he was the attorney representing the collection business and the dentist too!"

------------------------------------

"We need to change the laws in this state because everyone and their dog can steal your home in this state. Your primary residence should be off limits. If you are allowed to make someone homeless over $68 then the laws are perverted."

------------------------------------

"If they are going to take and sell the house they should also have to sell it for fair market value. And give the rest of the funds back to her.
For Christ sake they could pawn one of her TVs to pay that debt."

------------------------------------

"My POINT sir, is that our perverted laws in this state allow creditors with judgments to SELL YOUR HOME FOR NEXT TO NOTHING OUT FROM UNDER YOU! I call that stealing. You don't?

Yes, she should have fought the lawsuit, but she knew she owed the debt, so how was she supposed to fight it? The laws are perverted because they allowed this scummy collection agency to actually SELL HER HOME OUT FROM UNDER HER OVER 68 LOUSY DOLLARS!"

------------------------------------

"The reason I mention banks is because they are the ones behind this kind of system that comes in and wants to get people having to pay for 30 years to own a house. They love this sort of thing. I realize this is a collection agency that pulled this one this time. But the banks do this sort of thing all the time. How many people can go for 30 years with out losing their job,etc,etc...and if you do, they own your house and you get nothing in return. Even if you have paid 99% of your payments. I had a friend who was one of the hardest working and honest people I ever met get really messed over by the banks. He bought a truck for a business and then realized he was over his head, and asked if he could turn the truck back in. He wasn't upside down on the payments. The banker said sure, just sign here and turn in your truck and everything will be taken care of. He owed about $4000 on a $9000 bluebook truck. The sold the truck at one of thoes auctions that isn't open to the public for $1500 and then let him know that he still owed $2500 on a truch he didn't even own. They dinked him good. He paid them the $2500, same as this home owner, but selling someones house for $68 bill and then selling the house for $1500 sounds like a scam. I'm sure the people that bought it feel it's O.K. because it is all legal, It reminds be of the fact that Jesus only really gets down on two groups of people in the bible, the money changer (bankers) and the lawyers. I wonder why???"

------------------------------------

What kind of house sells for $1550, even at a auction? That in itself sounds like the purchasers were working with the auctioneers and being a bit shady

------------------------------------

These collection laws need to change. I had a bench warrant out for my arrest and was almost taken to jail for a $32.00 doctor bill that was paid, but the office showed it was not. It was then sent to collections and tried to take me to jail, I would have had to pay $750.00 bail. Again, collection laws need to change because they are ridiculous.

------------------------------------

Credit laws do need to change. We had medical bills that were paid but the collection agency keep coming after us. They filed a suit for collection and we contested the suit. Several times the judge admonished the collection company to proceed or drop the suit and each time we would receive more notices or more papers to file. They keep this up until we missed a deadline (we had moved and did not get that filing until too late). Bam ... they got a judgement. We have appealed but collection continues. What can you do when the collection company has a lawyers on staff and we don't. The only consolation is that the lawyer will have to face another judge at a higher bar one day.

------------------------------------
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