I honestly don't know what to do. PLEASE HELP!

did you speak to the corporate center for this lender? i would also call your court to see if they really do have a judgment against you. i am not sure which steps to follow but cannot believe how unprofessional they are acting!

What state do you live in? Do you own any assets such as real estate or an expensive car that is paid for? The courts only issue judgements, they do not collect on them. It is up to the collector to collect! Some states are wage garnishment safe such as Florida and Texas. Usually all the collector can do is wait in line or get a lien against you for when the day comes when you do have assets. If you should win the lottery, and I hope you do, be careful not to plop the money in your bank account. Start an LLC.

I can't believe they actually sent BACK a payment.

icon, strangely that has happened to me with an illegal lender, they said they wanted full (as in their illegal fees) or nothing. you can guess which they got (at that point i only owed them $35 so i did not feel bad)

I live in MS and they can't garnish me right now because I'm already being garnished for a medical bill. They are complete cows and terrible to deal with. As long as nothing can happen to me legal wise (like being in contempt of court or something) I may not pay them until I get my tax refund! And I still may file a complaint against them. I did just buy a car but my dad's name is the one the loan is in and both of our names is on the title but since I just bought it in March I won';t see that for awhile!

Hang onto that returned payment. I am going to forward this thread to skydvr, he might have some helpful information.

Thanks Shazzers I appreciate it. And trust me, I'm definetely keeping up with that payment! I'm still in shock!

Hi Meechell,


Some thoughts....

First, how did this end up in default judgment? Did you get served but not answer, or did you not get served at all?

Second, at one point you said this was a legal PDL, but then later you mention an illegal PDL. Was this one a legal or illegal one, and how so?

Third, it may help at this point to speak with an attorney. Some states have consumer laws where a creditor viods the entire debt if they refuse to accept a good faith payment. I have never heard of a debt collector returning a payment on a judgment like that--it shows that you are at least making an effort to pay off the balance. There is no law that requires them to accept payment arrangements, but this sounds wrong to me. Go to www.naca.net and fnid a consumer attorney in your area. They usually offer a free initial consultation, and they would be prepared to tell you the law in MS regarding refusal to accept a payment. At this point, they won a judgment, it is not typical for them to be playing such hardball games. Once a judgment is won, it is not usually paid off in a quick fashion, so it would seem that these guys are off their collective rockers. Normally to a collector, money in the hand is better than anything, so this puzzles me. Please, could you tell us how much the judgment amount is and how much you sent them?

EDIT--dont only keep the returned payment, keep your letter and their response letter as well.