I had voluntarily returned a vehicle as the car engine seized and no means to pay, after 7 years of surgeries.In 2005 I was sued ,but no judgement ever showed up on credit report. A different attorneys office in 2008 is now sending messages to contact them for payment with weekly calls and letters.I think my pension disability pension is exempt.Thanks
It's possible that your pension is exempt. However, there are a number of variables in your situation. Whether your pension is exempt depends on which department of government it comes from. Many federal benefits are exempt, and even some state ones. If there never was an actual judgment, the collection may now be time barred. You may also have a Fair Debt Collection Practices Act claim based on how often you've been contacted.
The details are really important. I'd recommend you find a collection defense attorney or a local free legal service agency to take a look at your situation.
Your car was repossession. Returning it doesn't make it anything else.
Your credit report is not always complete or accurate. Check with the court about judgments.
Pensions are protected until distributed, but are garnishable once the money is received. Check with your state to determine whether the proceeds can be protected.
Mr. Goldstein is a Virginia-licensed attorney only. The information is not, nor is it intended to be, legal advice. You should consult an attorney for individual advice regarding your own situation. Answering this question does not in any way constitute legal representation. Contacting Mitchell Goldstein or the Goldstein Law Group does not constitute legal representation, nor is any information you provide protected by attorney-client privilege until otherwise advised.
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