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  1. Hello! First off - I promise I searched for the answer to my question prior to this post. I am trying to buy a home and in the loan application process I learned of a $4000 judgement from Velocity Investments Llc. Seems it is 2 years old. All I want to know is what is the quickest way to negotiate a settlement, pay it and have the correct documentation? Is there someone I can hire to do this?
  2. I was sued by a JDB, and properly filed a MTC arbitration. Before the motion could be heard, the JDB filed for a default judgment. Eventually the MTC was granted. Did the JDB violate the FDCPA by filing for default once they knew I was demanding arbitration?
  3. What are the repercussions of submitting a fact information sheet to a collection firm? I have a judgment against me in small claims that orders the sheet to be submitted if I can't satisfy the judgment within 45 days. I am able to neglect other bills & pay it off in full before the submission deadline. Should I pay it off and not submit the fact information sheet or submit the sheet and wait and setup a payment plan.
  4. Hello, I'm new here. Short story to explain what I am wondering. I've been out of work, need back surgery, 59 yr old female, zero income. Husband lost his good 16 yr. High paying job. Now he works hard labor at $11 hour. We own one paid off house, one van that will pay off in Sept 2018. Once our income went to hades, we were only able to pay utilities and eat(also joined a food bank. ). It's bad, real bad. All of our unsecured credit accounts went sour. We both owe 3 or 4 to Midland and some other creditors. Midland/MCM put a judgment againt me and we ha
  5. Hi All, So I just found out that I have a default judgment (was never served) for a debt I've already paid about 7 years ago. At this point, I'd like to quickest and easiest way to proceed as I have proof that I've already paid my debt through a collection agency (thank God). What I'd really like to do is avoid having to take off from work and going to court. With that being said should I? A. Contact the creditor in writing with the proof of my paid debt? B. Go to court to formally vacate the judgment and fight it? Thanks in advance!
  6. Hi, I am new to credit repair, so I have a ton of questions. First, in 2013 a creditor filed a case against me and won a judgment by default. I wasn't home when the papers were served, so I had no idea of the claim. I would have fought the claim, because I had purchased insurance for the debt. Long story short, an illness resulted in a job loss and loan default. The creditor wouldn't process my insurance claim for the debt, because all of these events occurred within three months of the account being opened and they stated my account was not old enough to use the insurance for the debt. So, he
  7. Hello, I found out that I had a judgment against me a couple of years ago when I received paperwork from my local sheriff's office for the wage garnishment. I was never served - although they showed a picture of the front of my last 2 residences claiming that they'd served people that live with me in both locations on the same day ( I had lived alone for over 5 years). I went to court to block this action as I had no knowledge of the action taken against me. It took 5 trips to the other side of the county and roughly $300 in filing fees. I don't have spare money and they were taking 10
  8. Anyone have any tips on post judgment settlement with PRA? I have a default judgment that I am trying to settle and looking for advice.
  9. Hello everyone. I am new here. Please, help me out. I had a judgment against me in 2008. Not only I was not served properly, they simply dropped off the package by the door at the address I have not been living for years (I found out about it by pure accident when one of the neighbors who happened to know me told me about some package several weeks later) but the item they sued me for was not even mine. I had filed an Identity Theft report and two police reports of stolen identity. I have notified all credit bureaus. I also notified the creditor in writing that I had an extensive fraud on
  10. I was served by Portfolio Recovery for a 1300 debt. I planned to answer it but completely flaked out and forgot I only had 20 days, NOT 30 days :/. Today, I realized my mistake, and of course, I'm on day 21. From what I gather, if they pursue a default judgment, I would have 10 days to answer. Is this true in all states? I'm really hoping Ky isn't an exception, but I did see that default judgments don't typically get hearings here. I'm planning to go ahead and file a response first thing tomorrow. Can anyone tell me what to expect? Have I already forfeited all of my options to stop
  11. Hi guys, I need some urgent help with this case. I am not a lawyer and thus quite scared of what is happening. Few days ago i received a letter from a legal aid stating that I was the defendant in a lawsuit case (credit card debt). I used the case number they gave me and checked, and indeed there is a lawsuit against me. Today, about 10 days later, I find that: 09/10/2015 PROOF OF SERVICE OF SUMMONS AND COMPLAINT FILED. SERVED AS TO (XXXXXX, YYYYYYY). but i never received anything!!!! and my wife, who has lost her job is at home all day and she never got anything!!! What should i do
  12. Hi, I'm really hoping someone can help me because I'm extremely stressed, upset and at my wit's end. Back in 2000, someone backed into my car and I had to have it fixed. The repair man fixed it to perfection, but due to unfortunate financial circumstances, I bounced the check I gave him. He was nice enough to try to wait for me to fix things, but he eventually went to an attorney who obtained a judgment against me. Shortly thereafter, I contacted the repair man. He said all he wanted was the money owed for the fix (the original amount). I went and paid him in cash and he gave me a signed rec
  13. Well had court today. Judge denied Motion to Compel Arbitration even though Card Agreement was from account in Question, didn't give a reason guess he wanted jurisdiction, wouldn't even look at My JAMS case paperwork ( JAMS accepted and gave me a Number and served me and plaintiff). Talked with another attorney that hung around to talk with me, his business was done but he hung around till I was through...he wrote most of OK's Uniform Arbitration Act, he wanted to tell me not answering DV is a FDCPA violation...Betwee that and the overshadowing..least sophisticated consumer thing they pull
  14. - Hello, I'm new to this forum but I'm very impressed how helpful everyone is. I'm hoping I can get some advice from some of the experts here. As a real estate agent, I ran into trouble in 2008-2009 and had to give up paying on some credit cards to take care of other family needs. One of those credit cards, a Disover Card, got a summary judgment against me on 7/6/11 for the principal of $9165.78 as well as the filing fee of $230, the service of process for $79.50, the ex-parte of $30 and the attorney's fee of $500 for a total of $10,005.28 and interest accrueing at 12% per annum. They
  15. First off thanks to all in this community who contribute with very helpful information that others like myself have been able to use to fight off the JDB predators. Now for my current situation that I'm seeking help with. I'm in the state of MA. Back in 2012 a default judgement was entered against me for almost $10k including fees. The plaintiff is Unifund Corporation. The original creditior was Citi Card and original balance around $5k. Long story short, I did not know what I know now and have learned from being on this forum which I've used to successfully hold my own and have favorable
  16. Hello! I have a repossession on my credit report from 2008, and a judgment entered for it from 2010. (Yay, divorce!) They have never actively tried to collect on it. Since it's been so long, I'm wondering if anyone has ever had success trying to negotiate on a judgment? Also, what steps can I take to protect myself and my bank account in communications with them? I'm willing to make payments to get it paid off because I really want to buy a house, but I don't want to be garnished. Thanks!
  17. Hi everyone, I have been reading through the threads on this forum for the past couple of days and I have found some really promising information. But I am still very confused about what I should do about this court case and how I should write my answer to the courts. I think the more that I read the more that I am getting confused so any help that can be offered would be deeply appreciated. This is actually against my husband with an account that was opened and charged off before I even knew him. He was married to his first wife when this was opened but they have put this case against hi
  18. In 2009 I was extremely ill to the point I had to turn my finances over to my spouse. During that time, my spouse signed for a summons on a credit card debt. They never gave it to me. I only just became aware of it via a credit report. Bottom line, I did not get the opportunity to validate the debt or defend myself. Do I have any legal grounds to vacate the judgment at this point?
  19. If one wants to petition the court on a closed matter, ( credit card judgement ), does the defendant legally have to notify the plaintiff's law firm when petitioning the court on any matter relating to the closed and disposed case? The Law firm no longer works for the plaintiff, since the case is closed older than a year now . So, if the prior defendant happens to get the closed case in front of a judge, and wins his/her petition , does the prior defendant have to notify the prior law firm hired by the plaintiff?... I might have a real shot at getting my judgement vacated because of a
  20. Please Help - I received this Aid Of Execution This PRODUCTION OF DOCUMENTS seems very invasive to my privacy, its as if they want me to do all the work in findings to force Judgment. This is a Fla. Civ. Court for a 2009 Credit Card default Judgment of $19,000 against me. I was never served or new about this so I assume they did a sewer service to an old address long after the postal forwarding service ended. I have nothing they can get as im a hardship living with family. No current job for past 5 years, no furniture or anything of value. my car is 15 years old and is falling apart. No
  21. Hello everyone, First off, I'd like to say thank you to the magic of the internet, but also this site in particular. I'm a long-time lurker, and this is my first post. I was brought to court by Velocity Investments, LLC for old, junk, credit card debt. I believe I made some good decisions as well as some bad decisions along the way, and I'd like to share my story here. I found a lot of other people's stories helpful to me in my case, so I feel I should return the favor and write a very detailed account of my case. If I feel I have helped even one person, I'd have done my job here. I ap
  22. In September 2013, I received a letter from my employer's HR department advising me that I would be garnished for the next 2 pay cycles due to a writ of garnishment that was filed in 2009. Attached were court documents from Oregon, where I used to reside....with my ex-wife. The documents were addressed to myself and my ex-wife at an address I am unfamiliar with in Oregon, although I can assume the address listed is where my ex-wife lives. Because I don't talk to the ex, who did lots of nasty stuff leading up to divorce, I didn't fight the issue and just let the thing be done. The accoun
  23. I lost to Midland and, although I really wanted to appeal, I decided to just take my lumps and pay. BUT I wanted to try to get the judgment vacated in return for paying. I sent a letter to the law firm that won a judgment against me asking them if they could vacate the judgment after I paid in full. They called me yesterday (2/19) said since judgment was entered on the 6th, they only have until today to vacate so I would have to get certified payment to them by today. The person I spoke with (not a lawyer) said that if I couldn't make payment by today, all they'd be able to do is file that t
  24. A Judgment was entered Feb 2012 by JohnsonMarkLLC for Cap1 debt. I had been reading some of the forum here and maybe its too late for me to do anything but still has hope.... Back in 2011, got a summon for court hearing. I attended and it wasn't NO judge! it was the attorney for Cap1 and me....All he said was for me to make arrangement payment, I told him I can't make any payment due to no income. he said I needed to make some kind of payment arrangement with him or I will put in jail. I know, I was scar and signed the damn agreement to make payment which him and I both know I can't pay.
  25. This pertains to California--- Hi All! Its been a while since I have posted and I hope that you are all doing well! My original thread prior to a judgment being filed against me by GFCS, INC. is on a post on this site as well. I received two letters from ‘the KERN COUNTY SHERIFF-CORONER PUBLIC ADMINSTRATOR Civil Section’ this week which included Notices of Levy. I would really appreciate a bit of guidance on how to proceed with this. I will list the letter’s contents being as brief as possible, yet detailed. Thank you in advance for any assistance!! Note: a. Both letters are exactly the