driver26girl

Settle with UNIFUND?

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A judgement was won against me by one of Unifund's lawyers in NC. I wrote the lawyer and offered to settle but did not offer any amount. The judgement was won for 13,700.00 because I was not aware of the court date and the lawyer motioned that my answers be dismissed. This is also showing up on my credit report along with an enrty that I owe Unifund 22,000.00 for the same debt they won the judgement against. My question is should I try and settle with Unifund for pennies on the dollar or is it too late and should I just make arrangements to start paying off the 13,700? Can they have both listings on my credit report? I live in NC and thought I followed the procedure as I should have. Should I try and vacate or is it even worth it?

Any suggestions would be greatly appreciated.

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i would NOT settle with those bloodsuckers at all. did their judgment allow for interest, which may be where the 22k is coming from? what would be your defense to the lawsuit if you did try to vacation? It would need to be more than, "they didn't serve me". You also need a defense like, out of SOL, no right to collect, etc etc etc. They will not likely settle for pennies on the dollar b/c they already have a judgment that they can collect on for, probably, 20 years.

:goodluck:

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The judgement for 13000+ included interest. In my answer to the suit, I included out of SOL, JDB, etc. I was not informed when to show up for the hearing, I guess they just took it before the judge and won on default. They also motioned for my answers to be thrown out and the next thing I received was a document saying they had won the summary judgement. Should I just leave it alone and let it sit on my CR for 10 years. I am fairly new at all this and don't know what to do.

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If you were not informed of the hearing, and therefore didn't show up, you might still get the judgement vacated. See the link at the top on "vacating judgements".

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The judgement for 13000+ included interest. In my answer to the suit, I included out of SOL, JDB, etc. I was not informed when to show up for the hearing, I guess they just took it before the judge and won on default. They also motioned for my answers to be thrown out and the next thing I received was a document saying they had won the summary judgement. Should I just leave it alone and let it sit on my CR for 10 years. I am fairly new at all this and don't know what to do.

They may be able to collect interest on the judgment amount also. It will only stay on your CR for 7 years, however, the judgment may be renewable at 10 years extending it to 20. IMO, I would learn the ropes before attacking this problem. Once you know your rights you may be able to attempt to vacate the judgment, etc.

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