sharizap Posted April 19, 2007 Report Share Posted April 19, 2007 I spoke to the CA that holds the judgement against my dh yesterday. I had made an offer that he (the mgr of the CA) was taking before their "board" and he was going to let me know if they accepted it or not. I had offered $1500 + court costs for a total of $1700- they came back with $1700 + costs for $1900. *sigh* Honestly- I'm ok with it, just to get it over with. There's a sherrif's sale scheduled for later in the month hanging over my head (and I know that's part of their plan- scare me into settling or accepting their offer.) The thing is, he said he thought I'd have to come up with $2300 or so, so 19 isn't bad. The original amount was about $2300 and with all their costs they were trying to collect over $3000. So it's not a perfect scenario, but I'm ok with 19. If my dh hadn't ignored the summons in the first place we would have more leverage, but oh well. Anyway, I asked him to send me something in writing, which he agreed to. He made a short attempt at a check-by-phone but backed off right away. So my question is, what specific things should I insist on in the settlement contract? I know I need to make sure that it says settled/paid in full, and there needs to be something that says it won't be sold to another party for collection of the remainder, etc. Is it too late to NOT get the paid judgement listing? Probably, since it IS a paid judgement, right? Is there anything I can do to improve this listing, or just take the hit on this one and work on the other ones that haven't gone this far? Link to comment Share on other sites More sharing options...
sharizap Posted April 19, 2007 Author Report Share Posted April 19, 2007 bumpAnyone? Link to comment Share on other sites More sharing options...
buckeyechick1219 Posted April 19, 2007 Report Share Posted April 19, 2007 I'm not sure. I paid a settlement on a judgement a month ago and it still hasn't even been satisfied with the court yet (although I demanded that the CA sent me something in writing indicating that it was, in fact, paid in full.) The only thing I requested in mine was that the account be marked as paid in full and that nobody else was able to collect the balance.Ofcourse, I was in a hurry to get it resolved so we could buy our house, and the judgement will disappear from my credit reports next year anyway. Link to comment Share on other sites More sharing options...
chelseagirl Posted April 20, 2007 Report Share Posted April 20, 2007 sherriff sale? Link to comment Share on other sites More sharing options...
chelseagirl Posted April 20, 2007 Report Share Posted April 20, 2007 - they came back with $1700 + costs for $1900. *sigh* Honestly- I'm ok with it, just to get it over with. There's a sherrif's sale scheduled for later in the month hanging over my head. Why would there be a sherriff's sale for $1900.? Link to comment Share on other sites More sharing options...
nomorecredit Posted April 20, 2007 Report Share Posted April 20, 2007 Hello I am new to this forum. I just recieved a judgement from my bank that my account was frozen. I never recieved a summons or judgement letter in the mail. I had moved over a year ago so I do not know if it went to my old address. How do I get my account released so that I can come to a settlement with the co? Link to comment Share on other sites More sharing options...
sharizap Posted April 20, 2007 Author Report Share Posted April 20, 2007 Well, the sale is for over $3000- the amount they won in the judgement. If that seems like a very small amount, I'd agree, and from what I've read here and heard, having a CA employ methods this aggressive is unusual. But- apparently they're allowed to do this- a state constable came out to our house and spoke to my dh, who managed to prevent him from walking through the house with a clipboard and pen to jot down everything we own that can be sold. He did manage to spot the tv through the door, wrote that down, and added "dining room set" and various appliances that he's assuming are (a) there and ( ours. The appliances aren't. So he left us with a paper with SHERRIFF'S SALE in huge bold letters, with the date and everything that's to be sold. This was in spite of the fact that I had already spoken to the CA, who told me not to worry about the constable, that they'd take care of it. When I asked the CA guy why he came out anyway he said "Oh, I don't know. We told him not to." The constable did say that he knew we were talking to the CA and trying to get it settled, but he had to come out anyway. Seems extreme to me, but this is all new to me. If you have any ideas on a better way to handle this, I'm all ears. Any way to buy some time on this? The sale is in a week or so if we don't pay the CA by then. (we're planning to- as soon as I get the paperwork from them.) Link to comment Share on other sites More sharing options...
sharizap Posted April 20, 2007 Author Report Share Posted April 20, 2007 Hello I am new to this forum. I just recieved a judgement from my bank that my account was frozen. I never recieved a summons or judgement letter in the mail. I had moved over a year ago so I do not know if it went to my old address. How do I get my account released so that I can come to a settlement with the co?I don't have an answer for that other than be sure to answer the summons (DON'T IGNORE IT- that's how my husband and I got in this particular mess!) but I know that there are others on here who CAN help. You might want to post a new thread, either under "collections" or "is there a lawyer in the house." A new thread will get more attention and more responses/answers to your post. Link to comment Share on other sites More sharing options...
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