neicyspieces Posted October 16, 2008 Report Share Posted October 16, 2008 Hi I am new here, great forum!!I had a judgement a while back & they were paid via garnisment. Now its paid 9/08 and I received another letter RE: Garnishment and COurt so i will have another Garnishment ( I know Im horrible at facing facts and didnt go to court) Plus I received horrible legal advice from a lawyer who said nothing can be done I have to go to court and pay money i didnt even have. Now that i found this site, with people in situations like me I wanted to ask a question about the most recent judgment.1- Is it too late for me to go to court? No garnishment yet but I know its in thw works2- The amount is about $1000 more than it was orginally, can anything be done about this?Any advice or tips for a newbie will help.Thanks for reading2- Link to comment Share on other sites More sharing options...
swirlgirl Posted October 16, 2008 Report Share Posted October 16, 2008 The first thing you want to do is to request a copy of your court file. This will tell you the details of the specific judgment including how interest is being accrued. As far as the garnishment, if the plaintiff is not able to recover the entire amount with the first garnishment, they may file for another garnishment. This is probably the letter you received. Does the letter say you have a certain number of days to dispute and/or answer? Link to comment Share on other sites More sharing options...
neicyspieces Posted October 16, 2008 Author Report Share Posted October 16, 2008 I wrote them a letter stating I couldnt pay this amount and they sent me nothing with the pricing of but $3254.84. THis was a chase card that shows on my credit report my limit was 2000$ ( I know I never went over limit) Each CR states my Balance of with ChaseTU - 2920EXP-2920 written off as 2366EQ- 2366 charge off When it went to collections MIDLAND statesBalace 2835 and as if 9/2008 3286 with Judgment. I am extremly confused and feel dumb! Link to comment Share on other sites More sharing options...
neicyspieces Posted October 16, 2008 Author Report Share Posted October 16, 2008 The letter I received was just a copy of what they sent to my jobs office. This judgement is already on my report, thought I couldnt do anything to fix my mistakes, Im hoping I can now. Link to comment Share on other sites More sharing options...
neicyspieces Posted October 16, 2008 Author Report Share Posted October 16, 2008 http://www.judiciary.state.nj.us/rules/app11i.pdf THis is how the form looks Link to comment Share on other sites More sharing options...
flacorps Posted October 17, 2008 Report Share Posted October 17, 2008 NJ is hell for debtors. And one successful garnishment will attract others. If you can go in and file some exemptions with the court to cut it down, you'll have more money to live on. Also, if it's possible to reduce your hours at the garnished job and get a second job that might help you too. You would have to disclose the second job if the creditor were to call you in for a debtor's exam, but they seldom invest the time and effort to do that. Link to comment Share on other sites More sharing options...
neicyspieces Posted October 20, 2008 Author Report Share Posted October 20, 2008 I wish i could get a 2nd job but I already work 40 hours a week and have 2 small children (3 & 1yrs old) No way I can work anymore nor could I cut my hoursI wrote the court to get a hearing to stop the wage garnishment or even to lower the amount. 300 a month is alot of money to take out. Is there no hope for me in NJ? Link to comment Share on other sites More sharing options...
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