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Hneedshelp
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Subject: what to do when being sued by collection agency
 
Posted on Wed Oct 28, 2009 5:05 pm  

i have two civil claim judgments against me on my credit report. One was filed on 6/05 and the other 8/06. does the (SOL) in my state apply to this? they were filed in NJ.

Any advice will be appreciated.

what should be my steps to clear this out?
FreedomDM

FreedomDM

Joined: 28 Oct 2009
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Posts: 105
Location: Florida


2331 Magic Points

 
Posted on Wed Oct 28, 2009 7:13 pm  

If suit has already been filed and you've been officially served theres not much you can do. Try calling a non-profit credit counseling agency that provides free budget counseling. Have them admin a budget analysis outlining your debt to income ratio on a monthly basis. a judge may take this into consideration for payment options, evaluating how much (or little) disposable income you have to allot towards the debts. Any other questions feel free- hope this helps!
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Michael J Brazier
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Hneedshelp



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9 Magic Points

 
Posted on Wed Oct 28, 2009 8:12 pm  

CAn i call the collection agency and try to settle with them or do i have to pay the court?
FreedomDM

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Subject: ? for a ? with another answer 8)
 
Posted on Wed Oct 28, 2009 8:15 pm  

SOL for NJ is 6 years. When was your last court notice received?
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fireyone



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143 Magic Points

 
Posted on Thu Oct 29, 2009 2:17 am  

Freedom, Is that the SOL on judgment for NJ?
Need, you could call them and ask them to settle out the judgment. Some will do this. I have even seen where companies are said to have sold their judgments out to other collection companies. I do not know how true this is but I can believe it would happen. Try calling and getting the older judgment settled out first. Sometimes the older the debt the more willing they are to settle it out and settle for less. Just make sure if this does happen you get everything in writing before you pay it off.
Justin

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28944 Magic Points

 
Posted on Thu Oct 29, 2009 6:18 am  

Hi Hneedshelp,

I don't think that after getting a judgment against you any of the creditors will want to settle debt. They can easily attach your assets and get the entire debt amount since they have a judgment against you. So why will they settle if they can get the entire amount? Once you have a judgment against you, it is difficult to clear it out. It remains on the report for 10 years.

I do not agree with Freedom about the SOL on judgment in New Jersey. It is 20 years and is also renewable. So, I believe you cannot do much except paying the debt amount and waiting for 10 years to get the judgment fall off from your credit report.
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Justin
fireyone



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143 Magic Points

 
Posted on Thu Oct 29, 2009 12:52 pm  

That does make a good point. I guess there is less of a chance of a creditor agreeing for less than the judgment but I was thinking as a last effort it would be worth a try. If it doesn't you can always resort back to asking for reasonable payments. Judgments do stay on for 10 years. If they are renewable and they get it renewed after the ten year mark it may stay on for another ten. This is something I am not completely certian on but why take the chance and live under this judgment. Do your best to get it out of the way and you will have taken a load off your back. Good Luck.
JustincaF
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The bad manners Doll Island

In speaking spanish, This is viewed as The Island of the Dolls.

My half younger brother Andrew (Andres/Andy) Somprise Soyo went to spring time in Cancun, south america. The year used to be 1988. Andy met a young philippine local woman named Darlene Rodriguez and Darlene and Andy hit it off. Darlene showed Andy services in Mexico City and showed him the Pyramid of the Moon (Teotihuacan). Darlene after showing Andy the pyramid asked if he only desire to see an island that would blow his mind. Andy, Being the adventurer that he was, Said Darlene took him to the eerie island the Island of the Dolls. maui is just south of Mexico City and it is between the canals of Xochimico. This island at the same time was not a tourist attraction, But since some paranormal shows have featured maui, Paranormal aficionados now flock to the island.

fable has it, The island was aimed at a young girl that drowned. My half brother Andy said that the island has regarding horrific looking dolls hanging from the trees. The dolls are lacking limbs, without eyes, decaying filthy plastic and decapitated heads. The lifelike with eyes, Look as if they are looking right into your soul. Andy revealed that the hair on his arms stood on end. Andy felt queasy on the island and saw what was misty shapes moving about the forest. kauai once belonged to a man named Don Julian Santana Barrera. Santana became a loner, Introvert and did not like to interact socially. Santana discovered a drowned girl with a canals. By the drowned girl was a suspended doll. Santana believed the suspended doll belonged to the drowned girl. As a sign of respect, Santana hung the doll on various trees. Santana after returning home, Was plagued by the noise of whispers and hearing footsteps. throughout the evening, He would hear strange wailing cries in the night. Driven mad from the paranormal activity that was transpiring around him, for the following 50 years he started hanging dolls from the trees at this island. This was a way to appease the spirit of the drowned girl and the dark forces that now haunt him. why is this a big mystery is that Santana in 2001 was found dead in the exact spot where he found the drowned girl. Locals conceived he was cursed by the drowned girl and that dark forces sought revenge spanish babes upon Santana. Somehow Santana made the state of mind angry.

Carlos Menendez, A visitor of the island said that he actually witnessed much of the dolls moving their heads, arms and legs. One doll perhaps even winked at him. My half brother island felt little hands running through his scalp and his girlfriend right at that moment Darlene had a short fainting hot spanish women spell.

CHUCKIE VISITS the island OF THE DOLLS

Ximena Ruiz declared as a joke, She placed a Chuckie doll on this tropical isle. Her two friends told her it was disrespectful and that she mustn't do it. Ximena achieved it anyway. When she returned home after seeing the island, She had several nightmares where she was walking alone on the island. As she wandered, All of the dolls on the island turned their heads to consider her. well before she knew it, The dolls started shouting and laughing. a percentage of dolls started pointing their finger at her. Then out of the thickets Chuckie was approaching her and carrying a large knife. In each daydream that she had, Chuckie was how to get closer and closer. Ximena felt she was in danger and returned to the island and found the Chuckie doll that she that is abandoned. Ximena took the Chuckie doll home and had it endowed. Ximena bad dreams or nightmares have now stopped. Ximena says she won't ever disrespect the island in anyway, construction or form.

THE DOLL ISLAND webpage

Lorenzo Suarez in 2003 visited the area with two friends. Lorenzo says that on one perhaps the island he felt like he was walking through a surreal doorway. The fresh air was like a flowing jelly substance and the sky was no longer blue, the sun was an orangish tint. As he placed this doorway and looked around, He saw a mass of shadowy figures and they were all looking at him. Lorenzo started screaming and running back to where he felt the doorway got to be. Lorenzo felt the flowing jelly substance just as before and before he knew it, He was back in his reality, The sky was once much more blue and he could clearly see the dolls hanging from the trees.

DOLL remote island HOBGOBLIN:

Jimena Velez claims in 2009 while seeing the island with her father, They stumbled on a small humanoid creature. Jimena said it looks like a hobgoblin. so next encounter, Jimena spent time web-based trying to see what they encountered and the only thing she could find using the web was a drawing of a hobgoblin. This drawing was similar to what she came across with her father. The hobgoblin moved rather quickly across some lily pads, Through bushes and within Jimena and her father. Jimena said in a blink of a, The hobgoblin jumped on her father and marked his neck and then ran back into the bushes. Jimena father was internal bleeding from his neck and had 3 scratch wounds on his neck.

precious Note: I consider Jimena and her father encountered a demonic entity in the guise of a hobgoblin. The 3 scratches on the father neck was a warning to stay off kauai.

I have never been to Forbidden Doll Island and one day I would want to conduct my own investigation of the island. This paranormal hotspot absolutely on my bucket list.

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