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 Posted: Wed Mar 07, 2007 7:21 pm Subject: Help Default Judgement |
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I am so angry right now I could spit nails. Last month I received a supeona from a Collection Agency suing me for an unpaid balance for a credit card. I called them and worked out a payment agreement. They sent me a copy of the agreed upon payment agreement. Silly me thinks that the end of the story. Well, today I receive a default judgment letter from the court saying that I failed to appear. I call the collection agency and ask about it and I was told that they do that just in case a client defaults on the payment agreement. I don't think that this is fair. How do I know that they won't act upon this default judgement? How do I know that it won't go on my credit report? At this point what can I do? Can I appeal to the court?
Am I over reacting?
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VGreg
Joined: 18 Dec 2006
Posts: 19
Debtcc Points: 226
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| Posted: Wed Mar 07, 2007 9:03 pm Subject: |
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Unfortunately they got you. If you did not answer the summons to the court or appear, a judgement is automatically rendered. It will go on your credit report.
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SOAPLADY
Moderator
Joined: 07 Feb 2007
Posts: 1264
Debtcc Points: 14493
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| Posted: Sun Mar 18, 2007 11:38 am Subject: |
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Reading this, I had a question.
Several years ago (2004 I think), I got a letter in the mail from an attorney about a credit card debt I supposedly owed. The debt originated in the late 1990s.
Originally, I had paid this debt in part, through monthly debits to my account, and then the payments just stopped, and I lost track of it.
Anyway, I tried calling the attorney back and also wrote a letter, and never got any response. With my busy life (which is no excuse but it's the truth), I just never pursued it. Then was advised that I may not want to touch it because it will bring the SOL to a different date.
It slipped my mind till more recently. I got a letter in the mail from another collections agency -- not even the original lawyer from before. The amount is different.
What should I do? Should I leave it be? I've read so much about just letting it slide off when it gets so old, but that makes me nervous...any suggestions?
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mlposting
Joined: 16 Mar 2007
Posts: 29
Debtcc Points: 723
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