Ive been reading all the post about this topic and its brought up one important question. If this is shall i say a "scam" from a law office to get more money then what is owed how and what can a person do if they have been paying this office now for a year? This place has issued a summons for me as well. however, at the same time they issued it i was also sent a letter that would "delete" the summons from their office because i requested one to be sent to me and would take care of the issue outside of court. once i got the paper work i sent it back and they said i didnt have to show up to court. From what ive read here so far sounds like the paper work didnt stop me from having to go to court. also i never received the summons because i moved out of state. i contacted them and had this paper sent out prior to the summons being issued and they still issued it. I know this and more information because i worked at the sheriffs department that got the summons!!! (needless to say it f@#$#% me over even more so because of it being a summons and me working in law enforcement.)
Well, now a year later i am trying to join the military and i need a security clearance and while they are doing the background check this "civil judgement" from this law officer shows up on my credit report even though ive taken care of everything prior to even getting a summons. This place has really hurt my credit report to the point that my credit union wont give me a loan or help me out with a house because this is on my report and wont go away even though I'm paying on it. it also shows that its still "a pending" judgement.
At first my monthly payments were $100 a month and i did see a decrease in my total amount due. but now with less money coming into the house i cant make $100 payments and can only make $50 and they wont go down that far and wont work with me. Im still sending in the $50 when i can. will this hurt me even further by not sending out the required amount? also, Someone talked about sending out a letter that requested the law office to send them a detailed statement of all the payments that have been received and what it has went to. What do i need to put in that letter (format wise) and what can i do depending on what is sent back to me if anything?
Ive also gotten one other paper from Neiamn, Stone & McCormick, P.C Attorneys at law office within the past 3 weeks. Its basically the same thing as the litow law office. however ive been able to get a peace of paper and have it notarized and ive been able to work with them and have it set up to were i send out $10 a month until tax time next year so i can pay it off. The only difference is that this office hasnt issued and summons or isnt on my credit report that i got from the military. It also seems to be a third party. the creditor is "Gemini Capital Group, LLC as successor in interest to Chase visa credit card."
One thing is for sure. I only have 3-4 credit issues out there and they are all being taken care of at tax time. however, should i settle with paying off the full amounts or play it stupid and say i only have this amount that i can pay it off with. I know what the original balances are of all the credit debts that i have. should i try to talk them down to a number that is close to it or will that hurt my credit that much further?
Ive made some stupid mistakes that have really put a crunch on my career path and its taking me a lot longer to get in then it should but im getting things finally taken care of!
p.s. I thought that all credit card debt law issues were all third parties and could not sued consumers and hurt their credit report like mine has been from a law office.
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