have one credit card debt from 2006 judgment was given in 2014 can you help me?? do you have a phone number o i can talk to somone ??
I can answer specific questions about judgments, but the free avvo forum isn't a magic wand. By the time a case has reached the judgment stage, the court has already made a decision. Most people don't get a second chance absent exceptional circumstances and boatloads of money for legal fees. Other options may be available but you give me no useful information to work with. Info like how much is at stake, what you have known & done about this case until now, and whether most of the claims leading to this judgment were true. Hope this perspective helps!See question
Hi, if I have a old debt that went to collections over 7 years ago and a collection agency acquired that debt, how long can they report it on your credit and continue to send you collection notices?
7 years from the time you last paid on the debt or used the account. But if you don't dispute the age of the debt with the credit bureaus, this debt could remain on your credit forever, because the FCRA requires a dispute from YOU to remove out of date reports. Hope this perspective helps!See question
I own a home and have a 100k balloon payment that will become due in October. I can't afford to pay it and have been unable to refinance due to poor credit. I have done online research. I think I can afford to pay it over 5 years but do I hav...
It doesn't matter whether the mortgage is delinquent or not when you file Chapter 13. Hope this perspective helps!See question
My wages have been garnished each time i received my paycheck and it is compromising my ability to pay rent, phone bill etc. I would really like to be set up for a payment plan.
You may always ask, but a creditor who had to sue you and garnish your pay in order to collect may not have a lot of confidence in your commitment to resolving this matter. Also will be unlikely to take one dime less than the amount that comes from garnishment. Can't blame them for playing hardball when the debt gets to this place. Hope this perspective helps!See question
I had a loan that went delinquent and they were taking me to court so I went in and paid the loan off the court record shows it was dismissed with a zero balance showing. I checked my credit report zero balance closed. Anyhow I paid back in Febr...
What documents do you have to support your claim that the debt was paid off? A credit report is not considered to be reliable evidence that a debt was paid. Hope this perspective helps!See question
I am welling to make affordable payments on it so that it doesn't put my elderly and medically blind dad on stress. I was given his summon and haven't told him anything about it yet because I know it will stress him out. Is there a way for me to...
Having the debt is what is stressful, and not knowing about the summons is not doing your Dad any favors. Lots of times debts can be settled at a substantial discount for a lump sum of cash. No creditor will speak with you about this debt unless you have a Power of Attorney. And settling will require that a written response to the Summons and Complaint be filed, unless you want to roll over for the full amount, plus legal fees. Get to a consumer or debt settlement attorney with your Dad in tow. Hope this perspective helps!See question
I won a civil case for breach of contract in North Carolina and plan to file a Request to Issue Transcript of Judgment to 2 NC counties where the opposing party owns real estate properties in addition to to the county where the case was tried. ...
In many communities, the county recorder's office maintains a list of instructions and documents you must provide in order to record a lien. This can be a useful resource. In my community, all the documents need to be certified and of course, you pay for recording by the page. Hope this perspective helps!See question
My Mother passed away in August. She had no inheritance to leave. My Father is now getting harassing letters and phone calls regarding my Mother's debt; mostly medical debt that was acquired prior to her death. Is he personally responsible for thi...
Sure would have helped if your father had posted this question himself. You passing along helpful tidbits off the internet could subject you to charges of unauthorized practice of law, a criminal offense. Also would have helped if you indicated whether your parents were married at the time of Mom's death. In most states, spouses are by law responsible for each others medical debts. There is that "in sickness and in health" part of the wedding vows that allows the hospitals and other medical providers to get paid by a surviving spouse. But the good news is that medical debt is often able to be settled for "pennies on the dollar." And there are strategies to deal with harassing letters and phone calls from debt collectors. Have Dad consult with a consumer attorney about this situation & expect to pay for valuable advice. Hope this perspective helps!See question
I have a lawsuit from a landlord going through courts. The court date is novemeber 3rd. My lawyer will be filing my chapter 7 on october 4th. I am curious how that affects the lawsuit. I know it puts the lawsuit on hold, but will they be able to p...
Unless the lawsuit becomes a judgment before you file bankruptcy, the bankruptcy stay will stop the lawsuit. A discharge will mean that the lawsuit will never have a chance to become a judgment. Since you are represented, let your attorney handle the details. Hope this perspective helps!See question
I won a judgment against a business but the owner is playing games and changed its business name. I have a scheduled debtors exam. Can I amend the judgment to add the new business now or wait after the debtors exam?
I do not see how you have the power to amend a judgment at all. Only the court can decide if another party can be named in a lawsuit, and that generally requires the case to begin from scratch. Hope this perspective helps!See question