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I RECIVED PAPERS TODAY IN REF TO JUDGEMENT AGAINST ME FOR A CC FROM 2007. PLANNING ON APPEARING, NOT SAYING I DON'T OWE THEM. I DON'T WORK AND DON'T HAVE ANY INCOME-HUSBAND ONLY. BANKS ACCOUNTS ARE IN BOTH NAMES, LIVE WEEK TO WEEK - JUST GETTING BY WITH 5 KIDS. WHAT WILL HAPPEN AT JUDGEMENT? CAN THEY TAKE ANY $ IF WE DON'T HAVE ANY? WE CAN'T AFFORD A LAWYER EITHER, LIKE I SAID TO THE GUY WHO SERVED PAPERS IF I HAD $ TO PAY A LAWYER WOULD HAVE PAID CC. A BIT NERVOUS-HEARING IN 1 MONTH - WHAT SHOULD I EXPECT GOING ON MY OW?
Received papers for a civil judgment
When was your last payment you made on this account before it went to a charge off status?
do you have all your credit reports?
what state are you in?
what is the original creditor and the name of the CA?
what is the date of first delinquency? 30 days after last payment
this information will help me make suggestions specific to your case. The state will determine the statue of limitations for this debt. knowing the name of the OC original creditor, will help show if there is a specific govt regulators can intervene. Knowing the dates are very important.
They can only garnish your wages or bank account if the judgment goes against you. Make sure you be there on the specified date and time. If you don't appear, the judgment might go against you.