Question on judgement?

Question

Let me rephrase this…some people took it a little too personal…I have a judgement from 2004. What is the most they can do..can they garnish the wages and put a lien on my bank…?They will not work with me now that I can pay…do I have any other options or do I send money to them anyway

Answer 1

If this were a "Legal" judgment, they would have started wage garnishment back in 2004.  If they have not yet obtained a "writ of garnishment" from your local court, then they have no judgment against you.

Some creditors are notorious for sending phony letters stating they are seeking or have a judgment against someone, all of which is illegal under the FDCPA.

Perhaps your state statute of limitations on the debt has passed and they can not legally obtain a judgment.  Some states even prohibit wage garnishment.  Check this web site to find your states SOL on debts

http://www.bcsalliance.com/statute_of_li...

Check this web site to find your state laws regarding wage garnishment

http://www.bcsalliance.com/y_debt_statel...

Hope this answers your question

LEGAL DISCLAIMER:  The advice contained herein is for informational purposes only.  It is not to be construed as Legal Counsel nor Legal Advice.

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