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Tag Archives: judgment

A Creditor Took Me to Court. Now What?


Sometimes, the first time you find out you’ve had a judgment entered against you is when the judgment-holder seeks to enforce it. While due process is supposed to notify all parties to a court action ahead of time, there are many reasons why you may not have gotten that notice. You may have moved from the address where notice was ... Read More »

    Will You Be Sued Over an Unpaid Debt?

    law books

    The goal of all creditors is for consumers to repay borrowed money according to the terms and conditions of their original agreement. When a consumer debt fails to be repaid as agreed, creditors must decide the best option to take to recover their loss. At this point, creditors have several options available. They may decide to use an internal or ... Read More »

      How Can I Get My Name Off My Husband’s Judgment?

      questions narrow

      “Dear Steve, My husband received a deficiency judgement ($200,000)in Fl on a home about 13 years ago (My name was also on the judgement). The former owner has since died, yet this judgement looms over my head, too. My husband and the owner’s lawyer had an acrimonious relationship, and 5 years ago, they took our car to satisfy a small ... Read More »

        How Can I Get Out of This Judgment and Wage Garnishment?

        debt hole law tada

        “Dear Steve, In 2008, at the age of 18, I moved out of home, into an apartment with a roommate. The rent was high ($1300/mo), and about 4-5 months into the lease, my roommate’s work started to decline. One morning, she up and moved out, and with management (which has since changed, and the rates have lowered) being completely unhelpful, ... Read More »

          How Can I Get an Old Default Judgment Vacated?

          closeup of a gavel on cash, from above

          “Dear Steve, Hi Steve: 10 years ago discover card got a default judgment against me, as I failed to reply there summon. Then on January 28 2013, a collection firm send me a summon with a complain behalf of Discover Card with a 20 days date range to reply with their summon, I mailed them a letter in response to ... Read More »

            I Have a Lien Against My House for an Old Debt. – Joanne

            closeup of a gavel on cash, from above

            “Dear Steve, I had a judgement from a credit card against me, I filed for chapter 13 , but the plan was dismissed early. I saw on my credit report that the judgement was there but the company never contacted me. My wages were never garnished etc While going through my paperwork I found a letter from the sheriff that ... Read More »

              I Was in a Debt Settlement Program and Was Sued by a Creditor and Never Knew It. – Elizabeth


              “Dear Steve, I thought I was so close to closing the chapter in my life from the past full of debt. Then I recently learned of something else that came to light as a total shock! I have lived in Michigan for the past 2 years after living in Washington DC for 2.5 years before that. Prior to DC, I ... Read More »

                Discover Card Sued Me 10 Years Ago and Wants to Renew It. – Barna

                closeup of a gavel on cash, from above

                “Dear Steve, 10 years ago Discover card sued me but on that time, I was not aware this clearly and my roommate signed that summon. However, on 2003 around June they had a garnishment on my bank account and took all the money I had in my bank account. After that I did not receive any warning from Discover card. ... Read More »

                  How Do I Deal With My Old Debt I Owe? – Sarah

                  "Credit rating" handwritten with white chalk on a blackboard

                  “Dear Steve, I am looking to improve my credit score which is around 600 now. I currently have a judgement against me that I am working to settle on, but I have credit card and medical debt that is also hurting my credit. Some of my debt is over 7 years old, and I am going to write the credit ... Read More »

                    My Bank Account Was Frozen Because of a Debt Buyer Lawsuit. What Should I Do? – Charles

                    closeup of a gavel on cash, from above

                    “Dear Steve, In 2012 I had my bank account froze recived a letter saying I was sued in 2008 for a debt,I had know idea about being sued it seems its a third party debt buyer I have know idea what the debt is from have not had any credit cards opened since 2002 Is there a way I can ... Read More »

                      Can I Get a Lien Against My Truck So I Can Settle My Debt? – Gary

                      closeup of a gavel on cash, from above

                      “Dear Steve, I have a judgement that was granted against me in 2009 for a credit card ($7000.) at that time all of my assets were tied up in payments ( no real estate ) I had bought a truck for my business; had to use personal credit so the truck is still in my name instead of the LLC. ... Read More »

                        I Was a NYC Teacher. Will I Go to Jail Because the City Overpaid Me? – June

                        Elder Care

                        “Dear Steve, I worked as a NYC teacher. I was injured 6 years ago flling down the stairs. It was a line-of-duty accident, not subject to worker’s compensation laws. The departments doctor found me disabled, but did not make a final determination until 7 months later. They kept paying my salary. Then the doctor said that even though I was ... Read More »

                          Can Creditors and My Ex-Wife Seize My Debt Settlement Escrow Account? – Gary

                          Ready to Collapse

                          “Dear Steve, I owe $200,000 in unsecured credit card debt. My mortgage is 40% underwater (interest only nothing down), I am 66 and have Social Security and a small pension ($1,800 per mo.) I am working on starting a small business for which i have accumulated considerable additional debt. I do believe it will work and i will make a ... Read More »

                            Can My Creditors Take My Daughters Money From the Bank Account I Started for Her? – Beth

                            Ready to Collapse

                            Divorce, Loss of Custody, Bankruptcy, lots of bad decisions, job loss — you name it. I lost my job 2 years ago and racked up a fair amount of debt. I also gained back custody of my oldest the year before she started college (still think it’s a plot by my ex) and thankfully, with my financial situation and her ... Read More »

                              Now That I’m on Social Security Disability Can I Stop Paying My Judgment? – Wendy

                              Ready to Collapse

                              “Dear Steve, Have been paying monthly credit card judgment for couple of years now, even though on long-term disability from work for most of that time. Recently, I was awarded Social Security Disability. My question is: Am I judgment proof now and can stop paying this credit card debt? Every penny is going to count. And if so, can I ... Read More »

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