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Help Default Judgement

Date: Wed, 03/07/2007 - 18:21

Submitted by VGreg
on Wed, 03/07/2007 - 18:21

Posts: 19 Credits: [Donate]

Total Replies: 2


I am so angry right now I could spit nails. Last month I received a supeona from a Collection Agency suing me for an unpaid balance for a credit card. I called them and worked out a payment agreement. They sent me a copy of the agreed upon payment agreement. Silly me thinks that the end of the story. Well, today I receive a default judgment letter from the court saying that I failed to appear. I call the collection agency and ask about it and I was told that they do that just in case a client defaults on the payment agreement. I don't think that this is fair. How do I know that they won't act upon this default judgement? How do I know that it won't go on my credit report? At this point what can I do? Can I appeal to the court?

Am I over reacting?


Reading this, I had a question.

Several years ago (2004 I think), I got a letter in the mail from an attorney about a credit card debt I supposedly owed. The debt originated in the late 1990s.

Originally, I had paid this debt in part, through monthly debits to my account, and then the payments just stopped, and I lost track of it.

Anyway, I tried calling the attorney back and also wrote a letter, and never got any response. With my busy life (which is no excuse but it's the truth), I just never pursued it. Then was advised that I may not want to touch it because it will bring the SOL to a different date.

It slipped my mind till more recently. I got a letter in the mail from another collections agency -- not even the original lawyer from before. The amount is different.

What should I do? Should I leave it be? I've read so much about just letting it slide off when it gets so old, but that makes me nervous...any suggestions?


lrhall41

Submitted by mlposting on Sun, 03/18/2007 - 11:38

( Posts: 29 | Credits: )