logo

Debtconsolidationcare.com - the USA consumer forum

have agreement but received notice of judgment?

Date: Wed, 09/29/2010 - 11:20

Submitted by anonymous
on Wed, 09/29/2010 - 11:20

Posts: 202330 Credits: [Donate]

Total Replies: 2


I was sued for a credit card. Took the summons to an attorney who promptly let plaintiff know i was represented, and got me a settlement and agreement that no judgment will be filed by plaintiff. Well i made the payment on time and in full in accordance with the signed agreement. Yesterday in the mail i get a copy of a judgment signed by a judge for the full amount! How can this happen? They totally breached the agreement we had in writing and signed by both parties. They cashed my check. Plus i am represented by an attorney yet the plaintiff sent this directly to me not my attorney. I was never alerted to a court date. I've called the attorney who is furious. Please give me your thoughts? Is this a violation of Fair Debt Practices? What other violation is this? I'm sick over this underhanded tactic. I made the payment in good faith and in accordance with the agreement. I thought this was over.


This did not happen because the defense attorney didnt do his job. It happened because the plaintiff and/or plaintiff's attorney pulled a bone-headed stunt that just happens to be illegal.

First, you have a written agreement. The defendant's attorney has no reason to think that the plaintiff will go against the very same agreement that they signed and agreed to abide by. This is why you get a written agreement in the first place--the attorney knew that a written agreement is enforceable and if there were to be any breach, it may be possible to have the whole thing thrown out in the end.

Second, is the plaintiff the original creditor in this case? Or was ita debt collector that bought the debt from your original creditor? If it is the original creditor, then there is no violation of Fair Debt Collection Practices Act because that law only applies to third party debt collectors, not to the original creditor. If you were sued by a debt collector instead, then it is time to go after them. In that case, this would most definitely be a 1 because the FDCPA does not allow ANY deceptive practices in debt collection. At this point, you can talk to your attorney about filing an 1 lawsuit. It would pretty much be an open and shut case for you....


lrhall41

Submitted by skydivr7673 on Wed, 09/29/2010 - 16:51

( Posts: 2036 | Credits: )