Njpirate 10 Posted August 6, 2015 Report Share Posted August 6, 2015 hi i just received this notice of wage execution in the mail. i am not sure of how i should go about answering this. i know i will not be able to survive if my wages are taken at this point. cause in this case i am living paycheck to paycheck already. so where should i start in my response to the courts and law firm that have brought this judgment debt from another law firm that had it originally. Quote Link to post Share on other sites
shellieh98 1,505 Posted August 6, 2015 Report Share Posted August 6, 2015 Well let's first talk about the judgement. Did you get served? Did you lose at a trial? How did they get a judgement? 1 Quote Link to post Share on other sites
Njpirate 10 Posted August 6, 2015 Author Report Share Posted August 6, 2015 The judgements happen over 15 years ago when i was in college. I wasn't worry about them so i was living on campus when my mother was served. With the papers at home. Quote Link to post Share on other sites
Clydesmom 1,221 Posted August 6, 2015 Report Share Posted August 6, 2015 It will be impossible to vacate a judgment after 15 years and unfortunately NJ has a draconian long SOL to collect on it. Your 2 options are to see if NJ has an exemption to garnishments if your income is below a certain level (living paycheck to paycheck won't do it) and if that can quash the garnishment. Some states have laws like this like CA and FL. I do not know if NJ does. If NJ does not then your next option is bankruptcy because regardless of how tight your finances are they will garnish your wages otherwise. Quote Link to post Share on other sites
Njpirate 10 Posted August 6, 2015 Author Report Share Posted August 6, 2015 I guess at this time my next step is to look into bankruptcy. Quote Link to post Share on other sites
Njpirate 10 Posted August 6, 2015 Author Report Share Posted August 6, 2015 Thank you all for thw comments and information. Quote Link to post Share on other sites
Against All Odds 2 Posted August 6, 2015 Report Share Posted August 6, 2015 Unfortunately there is no getting out of this one. NJ has held that challenging a judgement would have to be within a year of the date it was entered. At this point....it appears you also missed the application. However, in that notice...you are given the option to object (pointless in your case - you'll never get it vacated) or asking for a reduction. They'll grant you a hearing within 7 days. They'll can only take 10% of your income after taxes if you earn less than 250% of the federal poverty level for your household size or up to 25% if you earn more than 250% of the FPL. Bankruptcy may be your sole savior at this point. Quote Link to post Share on other sites
