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tcwell
Joined: 20 May 2008
tcwell's page
Posts: 1
67 Magic Points
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Subject: looking for help with a judgement
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Tue May 20, 2008 10:23 pm
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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. |
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Mary
Joined: 06 Jul 2006
Mary's page
Posts: 730
17417 Magic Points
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Wed May 21, 2008 6:30 am
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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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Where there's a will, there's a way !! |
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CMBV22
Joined: 08 May 2008
CMBV22's page
Posts: 382
4435 Magic Points
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Wed May 21, 2008 7:42 am
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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
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Subject: civil judgement
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Wed May 28, 2008 4:14 pm
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| 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 ? |
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CMBV22
Joined: 08 May 2008
CMBV22's page
Posts: 382
4435 Magic Points
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Thu May 29, 2008 4:28 am
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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.
_________________
****************************
Free sample letters,
info on paying off payday loans,
and quick credit repair tips.
Pesonalized credit repair advice in the forum:
www.homecreditrepair.net
http://homecreditrepair.hqforums.net/ |
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Morningstar
Joined: 17 Apr 2007
Morningstar's page
Posts: 601
11 Magic Points
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Thu May 29, 2008 11:39 am
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| Code: |
| Can I file to have the judgement vacated ? |
Were you properly served or not?
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I don't dream since I quit sleeping |
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scott
Joined: 28 Jun 2006
scott's page
Posts: 462
10934 Magic Points
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Thu May 29, 2008 12:36 pm
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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
Use your credit account responsibly and enjoy a debt free life. |
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