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beaner
Joined: 12 May 2008
beaner's page
Posts: 4
233 Magic Points
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Subject: What does a credit judgement pertain?
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Mon May 12, 2008 10:14 pm
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I have gotten notices in the mail that I may be getting a judgement put against me if I do not contact them regarding my credit card account. I want to contact them however I want more information on my legal rights.
I currently get disability and may be unable to repay what the seek for. I already filed bankruptsy before this happened.
Can this creditor still take legal action on garnishing my income when the only income I have is my disability?
Please help? |
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Mary
Joined: 06 Jul 2006
Mary's page
Posts: 730
17413 Magic Points
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Tue May 13, 2008 9:34 am
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Hi, Beaner
Income which constitutes a part of social security benefit cannot be garnished. If you have already filed a bankruptcy, I think you need not worry as no legal action can be taken against you. However bankruptcy will remain in your credit report for 10 years and you may find it difficult of getting credit.
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Where there's a will, there's a way !! |
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CMBV22
Joined: 08 May 2008
CMBV22's page
Posts: 382
4309 Magic Points
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Sat May 17, 2008 10:37 am
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The best thing that you can do for yourself is sit down and read into the state and federal guidelines that creditors are legally obligated to follow. You will want to research your states statute of limitations, and various debt cllections laws IMO, everyone should read into the FCRA.
Also, you might want to look in to the DC. Sometimes when you google them you find out all sorts of tidbits like, they have oodles of lawsuits against them for FCRA violations. 
_________________
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Pesonalized credit repair advice in the forum:
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anthony
Joined: 31 Jul 2006
anthony's page
Posts: 550
13573 Magic Points
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Mon May 19, 2008 3:59 am
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I too agree with CMBV22 on this point. One should always go through the SOL of your state and FCRA before going for a credit.
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Anthony Marx
A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible. |
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CMBV22
Joined: 08 May 2008
CMBV22's page
Posts: 382
4309 Magic Points
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Mon May 19, 2008 6:07 am
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Have you validated this debt? They legally cannot file suit against you until they validate your debt if you requested it. Also, is this the first you have heard from this debt collector?
_________________
****************************
Free sample letters,
info on paying off payday loans,
and quick credit repair tips.
Pesonalized credit repair advice in the forum:
www.homecreditrepair.net
http://homecreditrepair.hqforums.net/ |
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taho
Guest
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Subject: Judgement
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Thu Sep 11, 2008 10:41 pm
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| I received a judgement letter. I'm already under the credit settlement program. what should I do. I don't have money to spare. please help. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3735
10 Magic Points
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Sat Sep 13, 2008 12:44 am
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Send a debt validation letter to whoever sent you the judgement letter. Send it certified mail and return reciept requested.
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Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4124
1011 Magic Points
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Sat Sep 13, 2008 1:59 pm
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| GN What is a judgement letter? |
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erb1953
Joined: 31 Dec 2007
erb1953's page
Posts: 621
-55 Magic Points
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Sat Sep 13, 2008 11:27 pm
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| A judgement letter is a letter telling you that they intend on suing you and giving you time to either make payment in full or be sued. |
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goodnatured
Joined: 03 Nov 2007
goodnatured's page
Posts: 3735
10 Magic Points
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Sun Sep 14, 2008 5:56 pm
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Sometimes they use this as a scare tactics, is it the original creditor or a collection agency.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
fireyone's page
Posts: 4124
1011 Magic Points
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Mon Sep 15, 2008 12:30 am
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Just a little interested in that one cause I see Midland around here alot and I have an account that just pasted SOL last Dec. Figured they had to serve me before they could land a judgement but I moved since then and there isn't even a home on the lot where I use to live.
Someitmes you see posts that people find judgements against them and weren't even aware they were there. I was just wondering how they could not know they were there if they had to be served and fo to court before one could be placed on them. |
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katee123
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Subject: judgements
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Mon Mar 02, 2009 4:41 am
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| I received information that I was being sued for a credit card debt. I havent worked for 4 years and am currently on social security disability and will not be returning to work. I need all my ssd to live. What will happen? |
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Justin
Joined: 17 Jul 2006
Justin's page
Posts: 1093
25288 Magic Points
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Tue Mar 03, 2009 9:15 am
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| You need not worry about the judgment because social security cannot be garnished to recover credit card debts. However, if you receive any summon you should file a response to it and inform the court that the money that gets credited in your account is your ss benefit. Social security benefit can only be garnished to recover alimony and child support obligations and Federal Tax debts. |
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