2doright Posted June 22, 2008 Report Share Posted June 22, 2008 I had a judgment against me by the courts and last week the collection attorneys office wiped out my bank account. I called the attorneys office and was told that they could not set up any arrangements until they had actually received the money from the bank and then they would send out a letter to me-then I could call to talk about arrangements. Whatever....So ok, I will wait. My question is how do I handle this from here. I am fortunate to have someone who can help me with this but I want to do it right. Do I just pay off the remainder? Do I try to settle for a smaller amount? (the original bill was 2000.00, not up to 4800.00 minus the 1610.00 taken from my account) What do I ask to be documented on my credit report? Paid? Settled?Thanks for all advice. I am so ready to just get this taken care of and get on the right track. Link to comment Share on other sites More sharing options...
jq26 Posted June 22, 2008 Report Share Posted June 22, 2008 You're kind of in a bad spot. They don't have to work with you at all. They already have a judgment. If they have a judgment for $4800 then that is what you owe according to the court. And even that judgment continues to accrue interest. You can try to negotiate for the remainder by making a lump sum offer. Make sure no more funds will go into the bank account that was garnished! Link to comment Share on other sites More sharing options...
merrybucks Posted June 23, 2008 Report Share Posted June 23, 2008 You will have to open another account at a completely different bank. Any money you deposit into that one will be seized. They will also look for your accounts at other local banks and the big internet banks. Link to comment Share on other sites More sharing options...
KMoney Posted June 23, 2008 Report Share Posted June 23, 2008 I had a judgment against me by the courts and last week the collection attorneys office wiped out my bank account. I called the attorneys office and was told that they could not set up any arrangements until they had actually received the money from the bank and then they would send out a letter to me-then I could call to talk about arrangements. Whatever....So ok, I will wait. My question is how do I handle this from here. I am fortunate to have someone who can help me with this but I want to do it right. Do I just pay off the remainder? Do I try to settle for a smaller amount? (the original bill was 2000.00, not up to 4800.00 minus the 1610.00 taken from my account) What do I ask to be documented on my credit report? Paid? Settled?Thanks for all advice. I am so ready to just get this taken care of and get on the right track.You should do an order to show cause. I had this crap pulled on me like 2 years ago but it was in NYS (You will need to find out about the state that you live in). Once I did the order to show cause I got a court date like 2 weeks later. Once that was settled, they settled for a lot less than what they were asking. The judge told them to fax the letter to my bank to release the hold. They did it and the hold was released and the funny thing about it was my money was in the account. Go figure Link to comment Share on other sites More sharing options...
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