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what do i do now?


dixxi_moon
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i do owe cap 1 $1400. I was taken to court and they put a judgement on me for the balance. but what does that mean? now 5 months later i get a notice from some lawyer zacheim  offering to let me pay half and settel it. i have no clue what any iof this means and i keep hearing alot of bad dishonest stuff about this attorney and they are even being sued for fraud. i am selling my house to hopefully by july can they put a lien on it?

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While Zacheim & Associates' reputation does precede them, there is nonetheless a judgment. If you're planning to sell your house, you might want to address it beforehand.

 

Your judgment will be recorded in the public record and will need to be paid before or during the sale of the house. Under F.S. 55.10, a judgment in Florida automatically becomes a lien on real property when recorded.

 

If you have an opportunity to pay the judgment at a discount (a receive a satisfaction of judgment), it seems best to do so now, when you might only pay 50%, rather than later when you'll likely be forced to pay 100% upon sale of house. That said, you'll not want to disclose that you're preparing to sell your house - any deal involving a discount will probably disappear very quickly.

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