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looking for help with a judgement

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tcwell



Joined: 20 May 2008
tcwell's page
Posts: 1



67 Magic Points
Subject: looking for help with a judgement
 
 Posted on Tue May 20, 2008 10:23 pm  
Hello,
great forum you have here.
My situation is, i have a debt from citibank that was originally about $2000, I did not pay on it, therefore being sold off multiple times each time they would tack on a new fee which is now up to around $8000. Anyhow, it now belongs to midland credit management the have taken me to court and the judgement was made against me. I live in ohio and they cant garnish my wages, but it is preventing me from purchasing a home. Is there any way to deal with these people? Or, since i did nothing before am I now bound by law to pay the entire amount? thank you in advance for your time.
 
Mary

Mary

Joined: 06 Jul 2006
Mary's page
Posts: 110



3845 Magic Points
 
 Posted on Wed May 21, 2008 6:30 am  
It is true that the judgment will always be made against you if you are a defaulter. As you said, your present obligation is about four times your original debt, I would suggest that you can come to an agreement with your CA, midland credit management for a repayment plan. Since they cannot garnish your wage, you remain in a safer position. You can also ask your CA for deleting it from your credit report after you pay the debt in full which will help you to get a better deal on your next loan for purchasing your home. But make sure you get everything in writing.
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CMBV22

CMBV22

Joined: 08 May 2008
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Posts: 271



1751 Magic Points
 
 Posted on Wed May 21, 2008 7:42 am  
I would look into the various laws in your state. Maybe you will find somekind of loo[hole to help you out. Short of that I agree with Mary. Contact the owner of the debt and make a reasonable payment arragement. Try your best to get it in writing and ask for a PFD at the end. I dont know about in Ohio but, I know in most states judgemnts stay on your CR for as much as 15 years
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one jt
Guest
Subject: civil judgement
 
 Posted on Wed May 28, 2008 4:14 pm  
I had a civil judgement filed against me. I responded to the law firm offering a payment plan via certified mail two times however they filed ignored my offer and want to file a wage garnishment. Can I file to have the judgement vacated ?
 
CMBV22

CMBV22

Joined: 08 May 2008
CMBV22's page
Posts: 271



1751 Magic Points
 
 Posted on Thu May 29, 2008 4:28 am  
You need to go through the court for your payment plan. It should tell you on the jugement info they sent you how to file it. If they set a date to meet about the garnishment bring the letters you sent the CA as proof you tried.
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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:

www.homecreditrepair.net
 
Morningstar

Morningstar

Joined: 17 Apr 2007
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Posts: 598



10846 Magic Points
 
 Posted on Thu May 29, 2008 11:39 am  
Code:
Can I file to have the judgement vacated ?


Were you properly served or not?
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scott

scott

Joined: 28 Jun 2006
scott's page
Posts: 163



4471 Magic Points
 
 Posted on Thu May 29, 2008 12:36 pm  
Hi one jt
You need to visit the court and file a judgement that you do not want to go for wage garnishment, instead you want to repay the loan through a repayment plan. take the copies of the certified mail you sent to the CA as a proof that you tried to communicate with the CA for debt repayment
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SCOTT

Social security, bank account, and credit card numbers aren't just data. In the wrong hands they can wipe out someone's life savings, wreck their credit and cause financial ruin.
 
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