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#17
09-26-2007, 06:56 AM
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civil suit help me please
i live in virginia, and i have court tomorrow and i dont want to go because i work for the county jail and alot of my co workers work at the courts. What should i do. they said i would have to pay them all the money before court and right now i am living paycheck to paycheck so there is no way i can pay them off. Please Help! What do you think the best thing to do is?
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#18
09-26-2007, 02:31 PM
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Ashley, I can understand that you are embarrassed, but it is definitely in your best interest to go to court. If you don't, the judge will definitely honor the bank's complaint for judgment against you, and most likely they will garnish your wages.
By going to court and at least explaining that you tried to work out a payment arrangement and it was refused, it shows that you tried to do something and do care about the debt. It looks much better on you to go. Sometimes we have to swallow our pride and do some humiliating or embarassing things to clean up our messes, but I guess that is part of life.
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#19
09-26-2007, 02:51 PM
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Moki, If u've paid off the judgement then they're supposed to send somethign to the courts telling them the judgement's been satisfied then the court will update ur credit report as satisfied. It can stay on ur credit report for 10 years!! ANd if u don't pay it then they can renew it over and over again, so it can be there for infinity if u don't pay it!
Ashley, U NEED to go to court! If u do not show up they will win by default and can garnish ur wages and put leins on ur property! They may still get the judgement but if u explain to the judge he may help u with a repayment plan. Also, most times the first time going to court is just for them to get all ur information of what u own, bank accts and such. Please do show up! It's VERY important! Were u served a summons first??? Good luck and let us know how it goes, Ang P.S. I have a default judgement and i used to be like u embarassed and ashamed of myself but since i've foudn this site i'm NOT anymore. Things happen to people and it doesn't make them any less of a person than they were before! 
__________________
You will not be punished FOR your anger; you will be punished BY your anger. --Buddah
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#21
09-27-2007, 06:48 AM
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Was a citaton served with the summons? By that i mean a legal document with statements on it... Goes kinda like this:
   Did u recieve anything like this? If so, did u answer it? I'm trying to figure out why u have a court date but each state is different and does suits differently. Ang __________________
You will not be punished FOR your anger; you will be punished BY your anger. --Buddah
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#23
09-27-2007, 07:00 AM
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Ashley may I ask you which bank is the one taking you to court? I am now worried cause I have a $900 overdraft fee with Wachovia because of the PDLS and they just closed my account and sent me to collections. Now I am worried they might take me to court.
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#24
09-27-2007, 07:01 AM
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and u have a court date set? I'm thinking this may be some kind of arbitration to try and settle the debt before going before a judge but it's just a thought.
When is ur court date again? Sorry i forgot. Ang __________________
You will not be punished FOR your anger; you will be punished BY your anger. --Buddah
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#25
09-27-2007, 07:05 AM
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Ok i just looked back and ur court date is today! YIKES! Ok take a deep breath and count to 10 Ashley. Show up in court and bring any and all paperwork u have on ur pdl's!! U may be able to explain ur situation to whoever, the judge or arbitation person, but make sure to bring paperwork to show that pdl's caused this to happen to begin with!!
All that will happen more than likely is they will set up some sort of repayment plan for u to pay the bank back. Good Luck Ash and let us know how it goes for ya ok? I will be thinking of u today and sending good vibes ur way. Ang __________________
You will not be punished FOR your anger; you will be punished BY your anger. --Buddah
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#26
09-27-2007, 07:14 AM
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Ashley listen to all of us in this forum, please go to court they will set up payment arrangements. You really need to go and you will see that it will go well for you!! Good luck and let us know asap.
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#27
09-27-2007, 09:21 AM
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well i went to court today and they granted chesterfield federal credit union a judgement against me but when i spoke to them today they want to give me a negative loan and i make monthly payments on that. They told me it was no payment arrangements when i went into the bank and now they saying i can have one. So does the judgement mean that my wages are going to be garnished or do i just need to pay them back.
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#28
09-27-2007, 09:23 AM
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They are saying u "CAN" have this loan to pay it off?? If so, then i don't think they will garnish ur wages as long as u make these payments on time...
This whole process for u seems strange to me, didn't u even have any questions to answer??? Or did u ignore a citaton? If so, then they got a default and this was to determine how u were gonna pay them back.... Hope this makes sense to u, Ang __________________
You will not be punished FOR your anger; you will be punished BY your anger. --Buddah
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#29
09-27-2007, 09:35 AM
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Take them up on their offer to make payments to them. The judgment will still be on there until the debt is cleared, but this will keep them from garnishing your wages. They would have to have an order to garnish your wages and if you are making them payments they will not do that but it's important that you make those payments on time. I had a judgement for some medical bills and I made payments of $50 to the creditor and my wages never got garnished.
__________________
He is your friend, your partner, your defender, your dog. You are his life, his love, his leader. He will be yours, faithful and true, to the last beat of his heart.
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#30
09-27-2007, 10:28 AM
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no i didnt ignore the citation i only received a summons and if i would have said today that i disagreed oweing them the money then the case would have went to trial. they didnt ask me anything but did i owe them i said yea and he said judgement granted and told me i could speak with the representative to see if he will give me a payment arrangement and thats what i did.
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#31
09-27-2007, 10:31 AM
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Ahh ok, got it now Ashley! And the bank told u no they wud not give u a payment arrangement?? If not then they can indeed garnish ur wages.
Hope this helps a little, Ang __________________
You will not be punished FOR your anger; you will be punished BY your anger. --Buddah
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#32
09-27-2007, 01:02 PM
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Ashley, the way I am understanding it after you went to court, you talked with the bank and they said you could make arrangements for payment, right?
__________________
He is your friend, your partner, your defender, your dog. You are his life, his love, his leader. He will be yours, faithful and true, to the last beat of his heart.
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