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Shaquil
Joined: 19 Feb 2009
Shaquil's page
Posts: 13
481 Magic Points
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Subject: Judgement on credit report
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Wed Sep 16, 2009 2:38 am
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| I have a judgment on my credit report from an apartment complex that i lived in in 2004. I was not served with a writ or a summons. However it has been turned over to an attorney and a collections agency. The problem is when I called the smalls claims there is a case number but the court states the attorney has the case. When I called the attorney they have no record on file, When I called the collections agency they have it. I did not admit to the debt but I asked for them to mail me the charges that have been brought against me I just wanted proof. The gentlemen stated he would settle for 3750 however would not give me a letter stating that. He said I would have to send the money in a cashier check once received will send the court a satisfaction of judgment and mail me a receipt. I in the process of buying a home and this is really hurting me. Should I send the money or wait for a settlement letter. I must admit I do owe something but not 3750. Legally a apartment can only sue you for two months of rent and damages if there is any. I just want to see what there charging me for. If anyone can give me some advice it would be a blessing. Thanks |
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Justin
Joined: 17 Jul 2006
Justin's page
Posts: 1093
25288 Magic Points
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Wed Sep 16, 2009 5:33 am
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Hi Shaquil,
I think you have not asked for the validation of the debt. Anyways you are saying that they have the collection agency has settled for an amount of 3750 but you do not wish to pay that amount since you do not owe that. Well, then I think you should write a counter offer letter for debt settlement to the CA stating the amount you wish to pay. Ask them to provide a written document so that you can have a proof that your debt has been settled and to make sure that they cannot bring any charges against you for the second time.
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All the Best 
Justin |
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Shaquil
Joined: 19 Feb 2009
Shaquil's page
Posts: 13
481 Magic Points
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Wed Sep 16, 2009 4:44 pm
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| Thank you for the advice. Do you think I should send them a debt of validation letter, or dispute with the CA |
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Justin
Joined: 17 Jul 2006
Justin's page
Posts: 1093
25288 Magic Points
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Thu Sep 17, 2009 11:49 am
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Hi Shaquil,
I think you should send a debt validation letter to the CA. You have every right to know about the exact amount you owe. This is possible when you send them a validation letter. You said you wanted proof, and this is possible through a debt validation letter. Once they send you the proof, you can send them the counter offer for debt settlement.
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All the Best
Justin |
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deborah_richards
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Subject: what is counter offer letter for debt settlement
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Thu Sep 17, 2009 12:28 pm
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Hey Shaquil,
A counter offer letter for debt settlement will definitely help you to deal with this problem. A counter debt settlement letter enables you to put forward the amount of debt you can pay in response to the offer made by the CA to settle debt. Hence, you will get a fair chance to calculate and put forward the amount you wish to in your letter.
Keep Posting!!
deborah richards |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1308
28489 Magic Points
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Thu Sep 17, 2009 12:48 pm
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Hi Shaquil
| Quote: | | Do you think I should send them a debt of validation letter, or dispute with the CA |
Sending a dispute letter too will require your CA to validate the debt. By sending a dispute letter you are stating that you do not agree to the debt that they are claiming.
If you are looking forward to a settlement agreement with them, get it in writing. Do, not depend on verbal agreements. These are important matters and need to be documented. Moreover, you may also try to get them agree to a pay for delete where they will delete the bad report upon payment. However, you cannot force your creditor to a pay for delete. You may still try.
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Keep in touch
Carol |
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miles1
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Subject: Judgements
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Sat Sep 19, 2009 9:03 pm
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| I have a judgement that's being paid though a payroll garnishment they charge $1.38 a day in interest is this legal ,at that rate I'll never pay it off and the debt keeps growing. is there anything I can do to help my self. |
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