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What does a credit judgement pertain?

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beaner



Joined: 12 May 2008
beaner's page
Posts: 4



201 Magic Points
Subject: What does a credit judgement pertain?
 
 Posted on Mon May 12, 2008 10:14 pm  
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?
 
Mary

Mary

Joined: 06 Jul 2006
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Posts: 424



10960 Magic Points
 
 Posted on Tue May 13, 2008 9:34 am  
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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CMBV22

CMBV22

Joined: 08 May 2008
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Posts: 376



4057 Magic Points
 
 Posted on Sat May 17, 2008 10:37 am  
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. Laughing
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anthony

anthony

Joined: 31 Jul 2006
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13296 Magic Points
 
 Posted on Mon May 19, 2008 3:59 am  
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.
You can also visit my blog
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CMBV22

CMBV22

Joined: 08 May 2008
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Posts: 376



4057 Magic Points
 
 Posted on Mon May 19, 2008 6:07 am  
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?
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Free sample letters,
info on paying off payday loans,
and quick credit repair tips.
Pesonalized credit repair advice in the forum:

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taho
Guest
Subject: Judgement
 
 Posted on Thu Sep 11, 2008 10:41 pm  
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.
 
goodnatured



Joined: 03 Nov 2007
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Posts: 3235



2257 Magic Points
 
 Posted on Sat Sep 13, 2008 12:44 am  
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,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
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Posts: 3249



1340 Magic Points
 
 Posted on Sat Sep 13, 2008 1:59 pm  
GN What is a judgement letter?
 
erb1953



Joined: 31 Dec 2007
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Posts: 627



-15 Magic Points
 
 Posted on Sat Sep 13, 2008 11:27 pm  
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.
 
goodnatured



Joined: 03 Nov 2007
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Posts: 3235



2257 Magic Points
 
 Posted on Sun Sep 14, 2008 5:56 pm  
Sometimes they use this as a scare tactics, is it the original creditor or a collection agency.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
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Posts: 3249



1340 Magic Points
 
 Posted on Mon Sep 15, 2008 12:30 am  
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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