Hi! Want to meet up?

I recently bought a home (January 2013) and the only thing on my credit was a judgment from a neighboring County, which at the time I told the loan officer I don't know-- it's probably a mistake and nothing happened since I have very good credit (excellent if it wasn't for that judgment for $200).  So, when I moved from my old home to the new one, I came across the papers related to that.  An MRI company had sued my husband 2-3 years ago for not paying the bill and they sued both of us and he never told me.  I live in Utah, am married to someone that hid from me that "we" had been sued.  I was extremely upset of course, but the $200 were paid, but the judgment still appears on his and my credit report.  Is there anything I can do now?  I had nothing to do with his bill, nor did I know anything about it.  The papers I found were at my inlaws house, the papers had my inlaws house address.  So I never saw them-- very ticked by that too.  I never lived with my inlaws EVER and never received anything.  Anything I can do to get it off my credit report or off the record???  I can't believe they can sue you, send documents elsewhere-- where you DON'T LIVE OR HAVE EVER, and still be able to place a judgment against you.  Unbelievable!

Thank you for your help.

My son received a phone call on his cell phone from this company. The woman, Ann Miller, told him that I was going to have a warrant issued for my arrest for "failure to appear" on a casd #00111230.  She gave him PERSONAL information about me. Then she called my own cell phone and left a message, leaving out the part about a warrant and failure to appear. I assumed it was a crank call because nobody has my info. And nobody is sueing me.
My phone is registered in the National Do Not Call Registry.  This company upset my son to the extreme! How dare they do that! If this were a real call, I would have been served with papers and a court date. This is unacceptable.

I received a call for some one in my family.

The man said his name is Kevin Scott, with a Law furm, wanting money!

Hello,
I have never been called , contacted or in anyway attempted to be reached by these people.  I live in Nevada.  Last-night they called my 72 years old father & mother!!!!  They told them them that I was ignoring them and if I didn't respond they would have to make the decision for me.   What decision??????  I swear these people are nutz......................Scaring them info thinking there was some wort of litigation I was hiding from them. Great.

I got a voice message asking that I call this number, and giving me a case number.  I called back, and got bounced around to a few different people before winding up with a guy who sounded very young.  I asked the name of his company, and he replied, "Full Spectrum Litigation".  He then asked if I had received anything from his company about a court date.

This is a tactic used by debt collectors to intimidate people who don't know how the legal system works.

I then asked him, "Do you work for an attorney?"  He replied, "We have some on staff."  I then said, "No, do you WORK for an attorney?"  At that point, he hung up.

At no time did they ever state that they were a debt collector, or attempting to collect a debt.

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Thank you all for your insight.

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This is what amazes me. How do they get a judgement if they can not show they contacted the person they were suing. I have seen this so many times asked on here and ho is a person suppose to appear if they do not receive the summons.
Don't you have to sign for a summons? I had always thought this is what you had to do. Anyway Goodnatured is correct, once the judgment is granted and you do not dispute it with in thirty days it usually needs an atty to help with getting it removed. Also the regular SOl does not apply to judgments. If you look under your states SOL there will more than likely be a seperate one listed for judgments and I believe they are also renewable.

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You will need to contact the court that the original summons was filed in, you should be able to find that information out from the credit report as well. It should be the court in your jurisdiction.

You may also want to contact the court directly and see what is on file, you can do this by contacting the clerk or prothonotary office in the court house.

All the paperwork should be on file, you may need to get an attorney to fight it seeing that they have already gotten approval on the judgement.

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I recently had a background check and trans union sent me a notice informing me of the company doing this. On the notice is stated a public record as a Civil Judgment, there is a Docket number and the amount owed. I have never received D. V Letter and or any summons- I was never served for this. Also, what can I do regarding this?? Any info will help.. Thank you
I live in California and the Statue of Limitations is 4 years.

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Well, somebody sued you, you didn't show up, and the judge gave them everything for which they asked. Depending on when this occurred, you may be able to get the judgment vacated, if you were never served with a summons.

You do have a limited amount of time to try to get the judgment vacated. This can range from six months to two years from the date of judgment or when you should have discovered it. This is based on your state's laws, so you will have to check with your local courthouse to find out the amount of time you have. I would file immediately, now that you are aware of the judgment.

Visit the courthouse where the judgment was filed, and ask to see a copy of the file. They will let you see the file and make copies for you, but it is a felony to take the file or anything from it out of the viewing area.

Once you have copies of everything, you can file your own paperwork or have an attorney do it for you. You may do better with a lawyer, but the amount of money involved will be your determining issue. If you have no clue, find some help, either from a non-profit legal advocacy group or a national agency that deals with these matters (see links).

If you are able to successfully have the judgment vacated, you will immediately be subjected to a trial for the case. You will have to be ready to proceed immediately, unless you make other arrangements with the judgment creditor. Any discovery motions, cross-complaints, et cetera, should be served at the same time that you serve your Motion to Vacate Default and Default Judgment.

I wish you luck. You may find assistance at the links below.

NOTICE: Be advised that nothing stated herein is to be considered legal advice. If you need legal advice, see an attorney.

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What is a Civil Judgment? PLEASE HELP!?
I recently found out I may have a "civil judgment" on me. I never even gotten anything in the mail or NOTHING about it, so is this even legal!? I found out by trying to get a loan for a car.

Who does civil judgments anyhow? Individuals? Companies? What happens if you don't pay it? Can you go to jail or anything?

Thanks mucho guys!

Thanks to your People calling me at my Job I lost it. Now what am i going to do. But what do they care.

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I would guess it is 35 days from date of letter you received, i would make copies of what you offered along with explanation and file it with clerk of the court then make sure if you get summoned to court to show up. If you don't they win by default.

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Like the title says I'm being sued by bank of america. I got a letter in the mail today by the superior court special civil part and am completely overwhelmed. I have no idea what to do, it says to respond within 35 days but when does that so called 35 days start?... How do I respond? There isn't any forms.

Before I went into default, I tried settling a payment plan, asked if they could lower my interest, anything but I was told they couldn't do squat! I couldn't afford my minimum anymore and my minimum was only covering the interest. I'm currently unemployed and barely getting by every month. I initially wanted to file for chapter 7 but the lawyers wanted 2 thousand, which I couldn't afford at that time, or now. I would do it myself, but I read on forums that if I messed it up, that I would be sol (s*** outta luck).

If someone can help, anyone, if you've been in the same situation, how do you get out and get above water? because right now I'm sinking and seem to have no way out...

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Hi - my name is XXXXX XXXXX I'm a Consumer Protection litigation attorney here to assist you.



Your vehicle should be exempt from execution by this creditor if it takes a judgment against you.



Here's the law:



§ 42.002. PERSONAL PROPERTY. (a) The following personal
property is exempt under Section 42.001(a):
(1) home furnishings, including family heirlooms;
(2) provisions for consumption;
(3) farming or ranching vehicles and implements;
(4) tools, equipment, books, and apparatus, including
boats and motor vehicles used in a trade or profession;
(5) wearing apparel;
(6) jewelry not to exceed 25 percent of the aggregate
limitations prescribed by Section 42.001(a);
(7) two firearms;
(8) athletic and sporting equipment, including
bicycles;
(9) a two-wheeled, three-wheeled, or four-wheeled
motor vehicle for each member of a family or single adult who holds
a driver's license or who does not hold a driver's license but who
relies on another person to operate the vehicle for the benefit of
the nonlicensed person;
(10) the following animals and forage on hand for
their consumption:
(A) two horses, mules, or donkeys and a saddle,
blanket, and bridle for each;
(B) 12 head of cattle;
(C) 60 head of other types of livestock; and
(D) 120 fowl; and
(11) household pets.
(b) Personal property, unless precluded from being
encumbered by other law, may be encumbered by a security interest
under Subchapter B, Chapter 9, Business & Commerce Code, or
Subchapter F, Chapter 501, Transportation Code, or by a lien fixed
by other law, and the security interest or lien may not be avoided
on the ground that the property is exempt under this chapter.

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I am being sued by my credit card company (American Express Centurion BK) for $2,500.22. I own my truck (2005 Chevy Colorado). If they win the suit can they take my truck from me? It was never used on this account as collateral. It was actually given to me several years after I had opened the credit card account. I'm in Texas.

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In some states lying to a process server is against the law, but avoiding no. To be honest tho its easier just to accept the documents. Reason being is that its so easy for a process server to get an order for sub-serve where they can just tape the documents to your door . Which increases court cost which ends up costing you money. Also if the server has any proof or a good idea that you did avoid service then that is going to p****off the judge. Which means he is going to be harder on you. With the way the legal system is set up these days its better just to take the documents, smile to the process server, and hope that things go well for you in court or you can settle your case without court.

If you won't answer the door they can mail it to you, even if you don't accept delivery you are still served.  They can give it to anyone over the age of 14 or 15 at your address.  If they have no idea what your address is, they can publish it in the newspaper.  They can go forward and you are better off knowing what the papers say than not knowing.

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Here is a link that might help, i don't know how long it will help for but if you just want to buy some time this should work!!!
http://www.ehow.com/how_2092439_hide-process-server.html

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FILE BK!! FAST!!!

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The answer to your question depends on the type of papers that are trying to be served. If the creditor is trying to serve you with a summons and complaint then they just have to try to serve you twice (and one of those times must be between 6:00pm and 10:00pm) at home before being allowed to leave the summons and complaint on the door ... and that becomes effective service here in Minnesota. It might be a good idea to just accept the paperwork and ask the person delivering the papers what they are delivering to you. At least you'll know what the issue is about at that point and then can determine what, if anything, needs to be done about it.

Very best regards,
Errin P. Stowell, Esq.
Stowell Law Firm, LLC

http://800notes.com/Phone.aspx/1-888-844-0131

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What happens if i don't answer the door when they try to supeona me or give me the papers? They can't go forward if i don't properly receive the paper can they?

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I live in Illinois and this is not out of the status of limitations date..i think its 10 years :( thank ypu for the info ....and bankruptcy won't help cause i only owe about 5k....

If $2800 is the only debt, it may not be worth it to file bankruptcy.  If there is a lot of other debt it may be the right thing to do.  It depends on the SOL, the total amount of debt, any assets held, income, expected future large medical bills, recent transfers, etc.
We filed bankruptcy but we put it off for nearly a year before one of them sued.  Filing cut them off at the knees.   If it had only been $2800 we could have paid it.  
In some places it costs a lot more than $1000 to file, you don't want to cheap out on a lawyer.  You know what they call someone who graduated at the bottom of his class in law school?  A lawyer.

They said they may sue, and they may or may not.  They didn't say they will sue if you don't pay by ___date.  That would show  intent to sue.
I'd find out if the debt is still valid first, look at my other circumstances, then decide what to do.  If it is still valid, they may settle for $1000.  Be sure to get an agreement in writing, before paying.

Check what the statute of limitations is in your state on your type of debt.  Usually the statute of limitations counts from the time you last made a payment.  DOLA, date of last activity. Also, if you make a payment or sign an agreement to pay, that will restart the clock.  Wage garnishment will depend on state laws also, in TX for example wages can't be garnished.  Right now it looks like it is just a threat, they haven't actually filed, yet.  If it is past the statute of limitations, it is an empty threat and a violation of the FDCPA.  Is it still owned by the bank and they hired the collector or have they sold it to a debt buyer?
Check out http://creditboards.com/forums/
If they do file a suit, you'll need to file an answer before the court date and go to court and ask them to prove that it's your debt, that you are obligated to pay it and that they have the right to collect it.  The debt buyers will sometimes drop the suit right before it goes to trial if the debtor answers the suit because they can't really prove all that.
They bank on people not doing anything so they can get a default judgment, just like if a team doesn't show up for a game they forfeit.
If they can get a judgment they may ask that your wages or bank account be garnished or that a lien be put on your property, if you own any.  
You may just need to write a letter saying you don't recognize the account and ask for validation.  Is this the first contact you've had with this collector?
Check out that website, lots of information on collections, FDCPA, bankruptcy, lawsuits, etc.

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You should just file BANKRUPTCY. It only cost around $1000 and you can remove all your bills.
That will shut them up.

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There are a number of things they can do. They can garnish your wages. They can take future tax returns until it's paid off. If they have a judgement, and you come into some money, they get theirs. If you have a judgement against you, and you sell your house, they will be there with their hand out. I agree with the other person. Your best bet is to call them. Try to set up a monthly payment plan. Sometimes places like these will settle for a smaller amount if they get it all up front. (Don't forget to claim that on your taxes though--you have to report the difference between the original amount and the amount you actually paid as income.)