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Sub: #17
Replied on 09-11-2007, 11:33 AM
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Could someone please tell me what a default judgement means exactly I have two from two different credit card companies. I just couldn't take care of everything, fell behind on mortgage and wanted to get that squared away before I obligated myself to pay anyone else. Now I am ready to tackle this but do not know where to start. Should I write letter with some kind of payment arrangement schedule to attorney offices? Please help
Thank you

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Sub: #18
Replied on 09-11-2007, 11:49 AM
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That is a good question "What is the default judgement?"

Sub: #19
Replied on 09-11-2007, 11:52 AM
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Oops that was me posting that above, I didnt relaize i wasn't logged in.

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Sub: #20
Replied on 09-11-2007, 08:50 PM
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A default judgment occurs when you do not answer a summons or show up to a court date...hence the word, "default." An attorney can also essentially fabricate one, by intentionally failing to properly serve a debtor.

It is a court order that allows (per state laws governing exemptions) garnishment of wages, liens/levy of property. Judgments accrue interest at a statutory rate, and often include the creditor's court costs and attorney fees.

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Sub: #21
Replied on 09-26-2007, 08:47 PM
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The sheriffs office is trying to serve me in the state of NJ, (From someone who purchased my credit card debt)I have been away so they havent actually served me yet, I was told they have just left a notice in the mail box. Can I still be sued while Im away if they never got to serve me with the papers? I wont be back in NJ for a month or so and am worried. I am actually avoiding calling because at the moment and letting them know Im away. I have bigger fish to fry and dont need this on my plate also. so I wanted to know if I can wait the month out before I take this on, and can I get sued in the mean time if they cant find me to serve me? thanks.

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Sub: #22
Replied on 09-27-2007, 05:20 AM
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Well Nia i guess that depends on the state law of service. I'd imagine that if they can't find u to serve u then they may be able to move on and do what they need to do. I think u need to call and check on this instead of ignoring it as i did. Ignoring only makes things worse, trust me on this!
Much luck,
Ang

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Sub: #23 cc debt
Replied on 10-15-2007, 07:51 AM
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cc debt about 20000$. largest cc 8000$. They're taking me to court in NY. I stopped answering their calls as I can't repay the way they want me to. They want alot of $$$ up front and then a couple of payments to pay it all off quickly. I can't do that and keep my home. If they garnish my wages I'll lose my house!!! What do I do????

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Sub: #24
Replied on 10-24-2007, 06:20 AM
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Moving this topic to the top for more thoughts, suggestions and replies please.

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Sub: #25 I just recieved a summons from a law office
Replied on 10-29-2007, 05:17 PM
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I too am in the same situation, I lost my apartment earlier this year (I managed a property for someone and when the property closed down I too lost my apartment), I moved in with family and just today I was given a summons to appear in court in two weeks, I called the # on the court summons and was directed to the law office, when the attorney picked up I spoke with him and he stated I was told of this court date, I was not, yes I moved however I never recieved any waord on being sued until today, and in two weeks I have to appear in court , well, first I must pay the $143.00 to APPEAR in court which I cannot afford, I lost my job in January of this year and we're now losing our home, I don't even know where to turn now, this was the last thing I needed, I did not skip on them, I was actually still paying on my accounts and even paid some off including my school loan, yes I undertand I ose these monies and trust me I want to payto get these people out of my life, I just don't know what to do at this point. I will certainly write to the courts , what I'll say, I don't know.

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Sub: #26 Judgements against property
Replied on 11-23-2008, 06:24 PM
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Can a credit card company file a judgement against the sale of your hom? If they can, can they file for late charges or the original amount?




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Sub: #27
Replied on 11-24-2008, 03:31 AM
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What state do you live in?

Bruce Stavos
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Sub: #28
Replied on 04-23-2010, 08:42 AM
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Quote:
Originally Posted by Anonymous View Post
Being sued by Atlantic Credit & Finance? I can help win your case.
Atlantic Credit & Finance is what’s known as a "junk debt buyer"...they purchase very old debts from various lenders at about 7-8 cents on the dollar. 96% OF THE DEBT THEY PURCHASE CANNOT LEGALLY BE COLLECTED. However, they count on you never fighting your case – giving Atlantic Credit & Finance a default judgment against you. They use scare tactics (serving you with court papers, harassing letters/phone calls) to get you to budge and make some type of payment arrangement. When you do, you waive all your rights, and they can legally collect from you.
If you were served papers from Atlantic Credit & Finance, YOU HAVE 30 DAYS TO RESPOND - otherwise they will win the case by default and can legally collect the debt from you.
If you want to win your case, I have a turn-key way to do it. For $74.99 - You will get Atlantic Credit & Finance off your back, you won't have to pay anything to them, and you'll never have to go to court.
I started doing this because companies like Atlantic Credit & Finance are taking advantage of honest, hard working people. I'm one of those people, and I wouldn't stand for it. I think everyone deserves the power to fight companies like this without being charged $250 an hour by an attorney. I am in business with my family…We've been around for 35 years, and manage a variety of projects across the country - we have the knowledge and staff to help you win your case. We'll never charge you more than $74.99. PLUS, we're very professional, friendly people – we treat our customers like royalty
Feel free to contact me if you're interested or have any questions ... vizitllc@gmail.com – I will always get back to you within 24 hours.
Remember, you only have 30 days to respond after you get served papers. Don't let them win by default - take action and win your case!
Please don't confuse these debt laden posters with "honest, hard working people". Honest people pay their debts and do not get taken to court. Honest people pay higher interest rates because of people that do not pay back their debts. I can't dispute that most of these folks are hard working, but getting in over your head and not paying your bills does not make you "honest". If everyone in society failed to pay their debts, the credit markets would cease to exist.

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Sub: #29
Replied on 11-06-2010, 04:14 AM
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Fight this debt

There are a ton of websites that will help you fill out your responces to the court. The most important thing never ever let them get a default judgement. They paid at most ten cents on the dollar for the debt so if they are trying to collect 3500 they at most paid only 35 bucks for it.

In several stats as per Restatement (2nd) of contracts; There only loss could be the consideration paid for defaulted alleged debt, as They did not perform the contract; lent money or extend credit.

All states also have a statue of limitations on which they can collect.
An 90% of the time they dont even have proff they purchased the debt they never send anything for the oringal creditor becasue they dont have it.

on site that has helped me in dealing with these debt buyers is http://www.debt-consolidation-credit...d.php?t=293752

search the forum you will see examples of what defenses have worked and how to respond.






Sub: #30
Replied on 11-06-2010, 08:40 AM
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Gosh Bruce. I guess you haven't heard of the fraud perpetrated on the American people by the very banks who own our debt that caused us to default by making our homes virtually worthless, while they continue to make billions. You are a simple minded idiot. Now move on to the AA website so you can call them names for working on their addictions, you swine.




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