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suesan

discover card turned me over to an attoney and the attoney said I have to pay the full amount I owe 7,600 I told her I could only pay her 5000 now so she said I have to pay 1300 next month and the other the month after.I was trying to pay discover but the interest kept going up and every time I called them to ask if they would lower my interest they said no.My question is what can the attorney do I really don't have 1,300 a month all they told me is they can put a judgement against me and take me to court.
If I did not have a mogage to pay then I could pay them please if someone or an attorney who is reading this could shed some light on this please do.

Posted: Sun Oct 08, 2006 1:27 pm Subject:

well, they can sue you, get a judgement, and garnish your wages. Unless you are in Texas, the Carolinas, or Pennsylvania, they can and will garnish your wages for 25% of your disposable earnings.

Definitely show up for your court date if it comes to that. Hopefully you'll be able to make payment arrangements that are satisfactory.

suesan · Posted: Sun Oct 08, 2006 1:40 pm Subject: judgements

I live in florida so what all does a judgement mean?
Your reply was garnish wages,what else can they do?
I have paid the 5,000 over the phone the attorney never sent a letter to me just called on the phone.
I was trying to save up enough money to pay off discover because every month I paid them only 40 cents went toward the principle and the rest interest.If I have to go to court then so be it ,I just want to know what I am up against .

Posted: Sun Oct 08, 2006 1:56 pm Subject:

Suesan...You probably should have gotten something in writing if it was turned over to an attorney. Did you?
My advice to you is, NEVER EVER pay anyone anything over the phone...I'd call that attorney and tell him you need everything in writing. If he is collecting, then he must abide by the FDCPA..and honor your requests.

Posted: Sun Oct 08, 2006 2:33 pm Subject:

All a judgement means is that the courts rule in favor of you paying the debt. That's it. If you can make acceptable arrangements before they get a judgement, that would be great, because a judgement is NASTY on your credit report.

What can they do in Florida? Garnish your wages. That's really all they would do on a debt that size. Consider calling the local court or an attorney to find out what other options you have.

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