MN25 Posted September 25, 2004 Report Share Posted September 25, 2004 Well I have a judgement against me in the amount of 11033. It is a long story on how that came about. But now last month they sent me a letter telling me that I had a judgement filed against me although the filed it back in 2000 or late 1999. I have since moved and last month was the frist I had heard of it since then. Well today the mailman has a certified letter for me to sign for and it is the same letter. It says they would like to make payment arrangements if I chose or other alternatives can be pursued. What can they do if I dont pay? What if I ignore them? I am not working right now and as of last week my unemployment has run out so I have NO income. My roomate is pretty much supporting me until I can fond work. So what am I supposed to do now? What can they do since I have no income? Any help......Oh BTW I am in California but soon I may move to Nevada for work..... Link to comment Share on other sites More sharing options...
LadynRed Posted September 27, 2004 Report Share Posted September 27, 2004 If you have no income and no assailable assets, and no bank accounts, then there's nothing they can do - right now. However, a judgment in CA is good for 10 years and renewable for another 10. Its not what you do or do not have NOW, its what you might have later - they'll still get it. If you're moving to NV, it will be harder for them to do anything at all UNLESS and until they move the judgment to NV, then you're back in the soup. Link to comment Share on other sites More sharing options...
MN25 Posted September 29, 2004 Author Report Share Posted September 29, 2004 So I am assuming it would be in my best interest to let the bank know of my current situation. In the letter they sent me they say I have until 13 Oct to contact them or else they will contact their legal counsel. Then after I get employment work out some knid of payment arrangement? I guess there is no use in avoiding this issue and I would like to get it resloved I would just like to get out of it as painless and as cheap as possible. Also say they want me to pay like 300 a month and I only pay say 100 can they still go after my wages? Or should I just negoicate a lower monthly payment plan???? Link to comment Share on other sites More sharing options...
LadynRed Posted September 29, 2004 Report Share Posted September 29, 2004 If you're not paying enough for them, then they certainly can go after a garnishment to get more. Bottom line, if you don't offer them a payment that's at least close to what they'd get thru garnishment, they're likely to ignore you and just go for the wages. Link to comment Share on other sites More sharing options...
MN25 Posted September 30, 2004 Author Report Share Posted September 30, 2004 Ok I will contact them via writing and phone letting them know that I have sent correspondance via USPS. They letter will just state my current situation of being unemployed etc. But should I also ask the for valiadation of the debt in the letter? This is all so new to me and I see all these terms here on the site and I would like to solve this as simple as possible. Things have been looking up and I may have a job shortly and I really dont want to have a garnishment against my wages after I am employed. Thanks again and sorry about my lack of knowledge in this matter. Link to comment Share on other sites More sharing options...
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