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Judgement against me

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josamaritan
Guest

Subject: Judgement against me

Wed Jan 30, 2008 1:25 pm

Hi! I have recently received court judgement for a credit card account that I refused to pay because I don't recognize that account. I requested for documentations from the collecting firm to prove that the account is mine. While waiting for the documents, the court scheduled a trial and unfortunately (due to work) I wasn't able to show up. So the court gave the final judgement in favor of the collector. The amount the I have to pay is $1,600.00. Do you know if there is still a way to dispute the account or at least negotiate a lower pay-off? Will appreciate any advice. Thanks!

August

Joined: 09 Jan 2008
August's page
Posts: 134

30 Magic Points

Wed Jan 30, 2008 2:05 pm

the unfortunate thing is that you did not get to show up and they get a default judgement when the defendant does not appear to give his or her side of the story.

It is my understanding that you can appeal this action, you will have to contact the local courthouse where the judgement was issued and see what the process is to file for the appeal and what action has to be taken on your behalf, find out also if you have to hire an attorney to get involved in this, unless you can do all the necessary paperwork and filing yourself.

Call the prothonotary or the clerk of courts and see what their appeal process is. Goodluck, hope this works out for you.

You may want to contact or go on the naca.net webpage, there are collection lawyers on there that may be able to direct you according to the laws in your state, they are there for about evey state.

josamaritan
Guest

Subject: Judgement against me

Wed Jan 30, 2008 2:28 pm

Thanks for the advice. Have any idea if there's a chance I can negotiate a pay-off? $1,600.00 is big, specially I don't even recognize the account.
Thanks again.

music
Guest

Subject: thx for this post

Wed Jan 30, 2008 6:30 pm

What do you mean ?

lidia
Guest

Subject: important

Fri Feb 01, 2008 11:20 pm

right me on this e-mail email addy removed for your safety--Morningstar and i will try to help you

August

Joined: 09 Jan 2008
August's page
Posts: 134

30 Magic Points

Sat Feb 02, 2008 5:36 pm

Usually you can negotiate it out with them, they will try to get as much as they can of course, keep in mind that they usually try to get 70-80 % of the bill, only negotiate what you can pay?

If you don't recognize the bill, are you sure it is not yours, could it be from a past card that the amount is the accumulated fees, you need to find the origination of the bill before you pay anything.

Have you called them to see what the bill is originally for?

Morningstar

Joined: 17 Apr 2007
Morningstar's page
Posts: 582

11 Magic Points

Sun Feb 03, 2008 10:34 am

Is this ID theft?
_________________
I don't dream since I quit sleeping

August

Joined: 09 Jan 2008
August's page
Posts: 134

30 Magic Points

Sun Feb 03, 2008 3:49 pm

Very good possibility if you truly don't recognized the debt.

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1334

35466 Magic Points

Mon Feb 04, 2008 11:14 am

Appeal to the court once again and reopen the case. You cannot let this happen when you are not at fault. What was the judgment? Do not make any payments because this can be a case of Identity Fraud as many of the forum members are saying.
_________________
Regards,
Laura.

Dadummy

Joined: 15 Nov 2007
Dadummy's page
Posts: 606

57 Magic Points

Mon Feb 04, 2008 5:27 pm

I would think you could appeal but youd need a lawyer.

fred333

Joined: 22 Jan 2008
fred333's page
Posts: 27

814 Magic Points

Mon Feb 04, 2008 10:12 pm

I would make sure you have a lawyer if you are going down that road.
_________________
Trying to find debt settlement in my life.

August

Joined: 09 Jan 2008
August's page
Posts: 134

30 Magic Points

Tue Feb 05, 2008 1:25 am

Definately obtain an attorney if you don't recognize the debt, did you call them and see where it originated from? They go from company to company when they are in collections. You need to call the company and find out who the original creditor is? What is showing on your credit report?

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1334

35466 Magic Points

Tue Feb 05, 2008 9:07 am

Hi Josamaritan,

I hope you will come up with some update. Did you appoint an attorney for this? Why are you thinking of a settlement when you cannot recognize the debt?
_________________
Regards,
Laura.

August

Joined: 09 Jan 2008
August's page
Posts: 134

30 Magic Points

Tue Feb 05, 2008 10:18 pm

That would be my question to Laura, I am wondering if the debt is an old one that was forgotten about and then it changed hands to a collection agency or several collection agencies and penalties are adding up making the debt amount unrecognizable?

h808
Guest

Subject: Possible judgement

Thu Jul 31, 2008 3:30 pm

I received a letter in the mail from an attorney. They letter stated that I should be aware of a judgement against me and that I owe over 6,000. This is the first piece of mail I have received about this and want to find out what my options are. Do I call? Do I verify this judgement...and how do I do so?
Thanks for your help

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