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I just had a judgement slapped on me in n

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Donna Simmons
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Subject: judgement
 
Posted on Wed Dec 23, 2009 9:51 pm  

I owe about 15 thousand in credit card debt my only source of income is disability ,does judgement mean you go to court Only thing I own is 1998 car with over 200 thousand miles on it
big pete
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Subject: judgements
 
Posted on Wed Jan 13, 2010 9:19 pm  

I just had a judgement slapped on me in n.y. if I move to another stae can they still garnish my salary
liane burns
Guest






Subject: judgments
 
Posted on Tue Apr 27, 2010 11:41 pm  

credit reports- do they report from the file date or from the date
that the judgment was awarded. when does it come off credit- when the judgment was filed or when the judgement was awarded.
Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2632



48565 Magic Points

Subject: judgment
 
Posted on Tue May 04, 2010 12:19 pm  

Hi Donna:

You can opt for debt consolidation. Debt consolidation can lower your interest rates, and thus it becomes more easier to pay off the debts. Moreover, in debt consolidation, you need to take out a loan to pay off your debts. Thus, you need to make a single payment each month in place of many payments towards the various creditors. You forward the payment to the consolidation company, and they in turn forward the payment to all your creditors.

big pete:

Can you tell your state? Wage garnishment is not allowed in some states.

Liane:

Judgment is reported from the date the judgment was awarded. It stays on your report for 7 years from the date the judgment was awarded.

Thanks,

Aaron
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ladynascar77
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Subject: judgement
 
Posted on Mon May 24, 2010 6:52 pm  

have a judgement from court and person has moved, how can I attach his credit report being I have social security number, do I need an attorney or can I write to bureaus and send copy of judgement?
thefighter



Joined: 22 May 2010
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Posts: 13



228 Magic Points

 
Posted on Tue May 25, 2010 3:47 am  

bureaus usually pick up this information on thier own from third party data providers like Lexis Nexis. They like consumers to think they get this info directly from court records, but that's lie and your local courthouse can even verify for you that they don't supply credit bureaus w/ information. so, basically, you don't need to do anything.

do u know where person moved to? if the judgment amount is worth it, then consider having a sister judgment issued in the state where they moved. then you can go after them in that state.
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



490 Magic Points

 
Posted on Wed May 26, 2010 2:38 am  

I would think that you could call the court house where they moved to and see if you can file the judgement or a copy of it in that county but my initial thoughts are that the judgement will stick with them where ever they go, you don't need to do anything other wise you will be chasing them forever.

Is there a way you can have the irs deduct and pay you when they file their taxes? Just a thought//??
S.C.
Guest






Subject: wage garnishment/lien on home
 
Posted on Wed May 26, 2010 9:14 pm  

credit card got a judgement (I am in california) about 13,000.00 owed with all the fee they added on. My questions is credit card put a lien on my home and same credit card also garnish my wage.Can they do both?
Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2632



48565 Magic Points

Subject: wage garnishment and lien
 
Posted on Thu May 27, 2010 11:48 am  

Hi S.C.,

Yes, some can get a judgment to garnish your wage, and some can win a judgment and put a lien on your property. However, as far as I know creditors cannot do the both on the same debt. Another thing is that wage garnishment is not allowed in some states. So, you can check the garnishment laws in your state.

To stop wage garnishment, and to remove the lien on your property, you need to pay off the credit card debts. If you can't seem to pay off the outstanding debt amount, you can try to settle the debts.

Thanks,

Aaron
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S.C.
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Subject: wage garnishment and lien
 
Posted on Thu May 27, 2010 9:05 pm  

Thank you for the quick reply .
The creditor have done both (garnish wage & put lien on my home) for the same debt. I don't have money for a lawyer so if there is anything I can do myself please let me know. I live in California. In California they do allow wage
garnishment.
Aaron

Aaron

Joined: 08 Feb 2010
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Posts: 2632



48565 Magic Points

Subject: reply
 
Posted on Fri May 28, 2010 10:19 am  

Hi S.C.,

I did a bit of googling and found that a creditor can both put a lien on your property, and garnish your wage for the same debt. However, the lien will be removed when the debt gets paid off through garnishment of your wages.

I also noticed another thing. That is as California is a community property state, the creditor may also garnish your spouse's wage. Ina community property state both the spouses are held liable for a debt incurred by the other.

Thanks,

Aaron
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S.C.
Guest






Subject: Wage Garnishment and lien
 
Posted on Fri May 28, 2010 8:04 pm  

Thank you for the information. I will keep in touch.
Aaron

Aaron

Joined: 08 Feb 2010
Aaron's page
Posts: 2632



48565 Magic Points

Subject: reply
 
Posted on Tue Jun 01, 2010 6:53 am  

Hi S.C.,

Hope that you will be able to solve this problem.

Regards,

Aaron
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Racergirl
Guest






Subject: judgment
 
Posted on Fri Jul 16, 2010 3:22 pm  

Arrow financial bought my bad debt.They sent it to Rubin and Rothman,LLC. who, got a judgment and froze my bank account. I filed an Order to Show Cause with the Nassau county courts which was signed by the judge and a court date is Aug 11th. Now my questions.....will they negotiate with me before the court date? Also...if the loan was bought for 10% of the amount owed why do they insist they need full amt over $8500?
If it was the company itself I owed I could understand but its going to someone I do not even owe half that much to. Not to mention the fact my home may foreclose in the meantime because they have frozen my whole account. Any advice for me?
Guest







Subject: judgment
 
Posted on Sat Jul 17, 2010 9:30 am  

Hi Racegirl,

Quote:
will they negotiate with me before the court date?
This depends on them. One can never say whether or not a colection agency will settle with the debtor.

Quote:
if the loan was bought for 10% of the amount owed why do they insist they need full amt over $8500?
The collection agency can buy the debt for whatever amount they can. However, this does not mean that the debt amount can be lowered as such. If you owe, you are supposed to pay off the debt. If you are facing financial problems, you can request the collection agency to settle the debt.

Thanks,

Aaron

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