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Tag Archives: judgment

What Does Judgment Proof Mean?


Q: What does it mean to be judgement proof, and how do I know if I am? Thank you. - Betty Reply from Great question Betty! Being judgment proof essentially means that you don’t own any property that could be seized or attached by creditors. If you were sued, the creditor or collector might successfully get a judgment against ... Read More »

I Live on Social Security and a Small Pension and Can Barely Make It.


“Dear Damon, I live in california and i am retired and only income i receive is social security and a small pension from a job i worked at many many years ago I have two credit cards. each have a balance of $2000.00, total of about $4000.00. i have not missed a payment or been late with a payment. at ... Read More »

The Credit Card Company Levied My Bank Account and Took My Student Loan Money. – Lauren


“Dear Michael, I had a bad debit with a credit card company and it went to third party collections. A judgement was issued against me. I was on unemployment benefits at the time of the judgement, as well as going to school full time. I did not have the means to pay the debt. My bank account was garnished in ... Read More »

My Son Just Got Garnished for a Really Old Debt. – Bill


“Dear Steve, My son, who has always resided in Florida, had a GM credit card that was revoked in February, 1997. At some point, GM purportedly assigned their claim to Household Finance Corporation. Either GM or a purported assignee filed a collection action in 1998. My son was never served. They got a judgment (I assume the judgment was dated ... Read More »

We Just Got Hit With a Judgment for a 12 Year Old Debt in Florida. – Bill


“Dear Michael, Assignee of credit card issuer got judgment against my son in 1998 and recorded it in July 1998. Nothing happened for over ten years. In 2010 they filed a motion to garnish his pay, which was the first he knew of the judgment. I believe they were required to renew the judgment after five or seven years, which ... Read More »

I Have a Judgment Against Me by My Old Lawyer. But He Committed Suicide. Now How Do I Get Rid of This? – Rosemary


“Dear Steve, In Jan, 2005 went to lawyer to contest a divorce. No written contract. Charged me $2,500. I paid cash; got no receipt. Finally divorced in Jan 2007 after lawyer made many mistakes. Went on with my life. Then late 2010, got served w/ lawsuit for $5000 more from lawyer. Did not personally sue me; sued through his “corporation” ... Read More »

My Business Account Was Levied by a Judgment From Six Years Ago. – Jennifer


Single mom who has been working very hard to correct and improve my credit since a divorce in 2001. I just opened a salon last year and can finally breath financially. I lived in NY until 2004 now I live in Florida. my business account was levied by a judgement in Watertown ny from 2005. I was nailed and mailed ... Read More »

Old Judgment and New Order to Appear for Examination. – Blondie


In 1996 I was diagnosed with terminal cancer and lost my job. Told my landlord I did not want a 3 day notice to pay or quit. Was waiting on some money but wasn’t sure if it would arrive in time to pay rent. They told me to move and I did so in 3 days. They said they would ... Read More »

Can They Collect on a 20 Year Old California Judgment? – Dee


i just found out i have a court judgement from 1980s for $400 on credit card, i was never served. Now they are trying to take $9000+ out of my checking account. This is in CA. I thought CA had 4 year term for written contracts, how can they excercise a judgement beyond the statute of limitations and what should ... Read More »

We Are Trying to Buy a House But a Judgment Appears. – Amy


Trying to buy a house but a debt shows up with title company and not on our credit report. My husband and I am trying to buy a house we went through the pre-approval process and made and offer and it was accepted. Then we received the preliminary report from the title company and they show a judgment on my ... Read More »

I Spent The Morning in Court Watching Debtors Lose


This morning I spent time sitting in the local courthouse watching debtors go up against creditors in judgment cases. All the debtors lost and judgments were granted to the creditors. One judgment from 2000 was renewed for another term. The first case I watched was that of a guy with a copier purchase or lease. Since the copier was in ... Read More »

Will I Go to Jail Because of My Debts? – Pam


“Dear Steve, I am currently going through a divorce. We have put out house on the market and hoping it sells. We have plenty of equity in the house and are planning on using this equity to pay off credit card debt of about 40,000. I was enrolled in a debt settlement company for the last year but the payments ... Read More »

I Owe Amex and Now They Have Lawyers Chasing Me. What Should I Do? – Carol


“Dear Steve, I let an Amex card that was originally used for business by an associate, but in my name, go uppaid and unanswered. It is now being handled by a law firm. They have filed a lien against any property I may purchase in the county in which I live. I do not have the means to pay them ... Read More »

Out of My Divorce I Was Left With a Lot of Business Debt. – Lucy


Lucy “Hi Steve I have two questions and I am happy to provide background. My ex-husband and I were divorced and in the separation agreement it states I am responsible for all of the business debt, although it does not specify the names of accounts or amounts, etc. Out of our divorce I was left with a lot of debt ... Read More »

A Company That Got a Judgment Against Me Went Out of Business. – Tracey


Tracey “Dear Steve, Went to court to fight a small claims suit and lost, now it’s on my credit report. The company that sued me went out of business 3 months after the court case. We are trying to buy a house, and I would like to resolve this, but can’t contact the creditor. I have tried calling, phone number ... Read More »

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