squarepencil Posted February 10, 2005 Report Share Posted February 10, 2005 I am in NYC and last year after filing my taxes, I was expecting to receive my State Income Tax Refund in the total of $610. I then received a letter from the state letting me know that it had been claimed by an old school I went to, who was looking to collect a debt. I called the school and they referred me to Leshack & Grodensky. I called them and we argued over a payment agreement. Now this year I received a letter from a bank that I use to have a checking account with (haven't been in a member in a year!) that the same lawyer has put a hold on my account for close to $1,500. My current bank has not been put on any sort of hold (Thank God).I am unsure of how to proceed with the lawyers. They have taken $610 from me and I know that I cannot owe much more - less than I am sure to receive on my tax return.How do I proceed with the law office? And should I notify my old bank - I mean I don't have an account with them. I am not sure what to do here and I need to clear this up.Any help would be appreciated.Thank You Link to comment Share on other sites More sharing options...
divemedic Posted February 10, 2005 Report Share Posted February 10, 2005 If they did all of that, they probably have a judgement. Link to comment Share on other sites More sharing options...
squarepencil Posted February 10, 2005 Author Report Share Posted February 10, 2005 yes but what to do now? Link to comment Share on other sites More sharing options...
Recovering Attorney Posted February 10, 2005 Report Share Posted February 10, 2005 I would do the following:1. run a trimaerge credit report to see what comes up2. Check with the county clerks to see if there is a judgement against you. They can't take your bank account unless they have a judgment. Even then, in NYS, they have to give you notice of the judgement, what exemptions to enforcement are available to you, and other information. You can DV them now, if you wish, but I htink you should do the CR and search first. If you are having trouble with the count clerks, call a title company in the City and tell them you want a 10 year lien search of your name ( you should also give them past addresses). Might run you 50-100 bucks Link to comment Share on other sites More sharing options...
squarepencil Posted February 10, 2005 Author Report Share Posted February 10, 2005 Thanks.I did a check on my CR and it is indeed a judgement. I would like to settle with them - seeing as they already have $610 of my money. Do I need to DV them? What about the hold on my non-existent bank account? Do I contact the bank?TIA! Link to comment Share on other sites More sharing options...
Recovering Attorney Posted February 10, 2005 Report Share Posted February 10, 2005 forget about the old account. If you don't use it, who cares? What you don't want is for them to get your new bank account, or find out where you wowrk. Interest on judgements in NYS is 9% from the date of judgment. I would suggest you offer the principal balance. Better yet, offer a bit more and request they agree to vacate the judgement and sign a discontinuance, so you can get it off your credit report. Offer to make the motion to save them time and money, they will simply have to agree to it, which they can do and should do. They get their money, you get it wiped off your CR Link to comment Share on other sites More sharing options...
squarepencil Posted February 10, 2005 Author Report Share Posted February 10, 2005 Thanks. This is what I knew in the end I would have to do. I am all prepared to send them a letter telling them this - but not sure how much the principal is and so on....(remember I have paid them $610) already.Is there any template letter that would work well with this? I don't want to sound like a dope when I contact them... Link to comment Share on other sites More sharing options...
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