Big RED NOTICE left on my front door!

Going to court over a little debt is not as painful as you think. You will not get arrested at work either. Just show up for court with every financial document you can find, you will prove your financial hardship, and everything will be ok. Not showing up is the worst thing you can do.

It is possible to stop a judgment by filing it in the bankruptcy. If the debt gets discharged, the creditor will be notified about it and hence all legal actions will stop against you. You need to talk to a bankruptcy lawyer for professional advice.

The rule of garnishment is this.."first in first right"..Unless it's a chapter 7 or chapter 13. That takes precedence over everything. You can definitely include any debt from the court case into your plan..And you can add things for a short time.

If this ever happens to anyone else or if you have not been to this court date as of yet. You do not have to appear at the court until the third court order.

I have also done this before declaring bankruptcy and after contacting the district attorney to see what would happen to me for not showing up twice, he said nothing. It's the third one you better be there for or they will issue a warrant for your arrest.

When you appear at court, the D.A on the case that day will only want to know some info about your income and what you have in the bank. Then they will want to know how much you can pay a week or monthly.

Tell them $10 a month and most of the time they will accept it. If that doesn'nt work, offer $20. This is bargaining time for you also, not just the creditor.

I told the court I would go $100 a month right at the start and paid for about three months before I called it quits and declared bankruptcy.

You should consolidate or file bankruptcy before paying through the court. You will notice that you will be paying that creditor alot longer through the court and alot more money also.

I paid $100 a month for three months and went back to court to do their update stuff and noticed that I owed about $60 more than the beginning balance.

Thats when I decided to file. I was also told by another D.A that was filling in for the original D.A of my case that the best way out of this is bankruptcy.

He also said that, the only way I would ever pay this off was to send at least $30 more a month than I had to. Because going through court, most of the payment is going to other charges instead of the balance.

I heard they were not supposed to do that, but my attorney for the bankruptcy told me they could.

i talked to a constable friend of mine about the court thing too. and he told me the same thing start low on ur payments if u can.. but im not sure if tehy will go that low on a 6500 judgment(court cost and attourney fees and intersedt included... original 4100) im a stay at home mom with 3 kids and only my husbands income forr ight now

Mimi,
you won't know if they'll accept it unless you try..Go for it! Something is always better than nothing.