Judgment after SOL period

Daisy, do you have a lawyer to help you in this case? Before you proceed with any actions, make sure that the last activity made on this account was in fact 11/1999 and after that, you never made any payment. You will be able to make your case stronger only with such defensive actions.

Also, as per the FCRA laws, this account should not have remained in your credit file after the 7 years period. You should take some legal counseling and make your case stronger. Appeal the judge with your defense so that you get the justice in a fair way.

Thank you for your reply. I was confident that this case would be dismissed due to the SOL period and was totally shocked when a judgment was granted. I guess I did not defend myself aggressively enough even though the Court had all the documents and my answer to the Court asking if this matter was out of the SOL Period. Will I be able to appeal the decision myself or will I need to consult an atty? Thanks again.

Daisy, you can appeal to the judge on your own or you can hire an attorney also for professional guidance. You will have to file some papers in the court for making your appeal. If you hire an attorney, he will do everything for you.

Daisy.. hire an attorney.

I am unable to find an atty to represent me. I went to legal aid but I am afraid the process is one I will not win like the initial court hearing. What I want to know now is what happens now that the Judgement has been granted? If it wasn't for bad luck I would have no luck at all. Although there are worse things by far that I could be going through. I would just like to kinda get an idea of what to expect. I owe the debt and wish I would have not have gotten sued but I thought I had a legal defense with the SOL but I needed an atty to help me because the collection agency won. I would rather have paid the original creditor than the collection agency. Oh well you live and you learn and if this helps anyone else that will be good. Thank you!

p.s. I only have 10 days from the date of the judgment and I am running out of time

Daisy, after a valid judgment gets issued, the judge will analyze your financial situation. He will study your total income as well as expenses and then only decide to garnish your wages. If you are employed, your wages can get garnished up to 25% after deducting the disposable income.

You can have some information about the lawyers from the local court also.

will I have to go to Court again? and can they take money from my bank acct? I am really scared over this. Thank you

After the judgment has been filed, all the decisions will be made by the judge. You can express your concern of keeping your bank account untouched for the payment purpose. The judge will make decisions accordingly and the company has to follow it in legal terms.

You could also look up the exemptions in your state, such as the homestead exemption.