Reply
Member
Mamaoftwo
Posts: 5
Registered: ‎06-15-2012
0

Apartment in Collections and Judgement

Okay, so my husband and I have horrible credit and we are trying to rebuild it. We have an apartment in our name from about 5 years ago that was an eviction cause of late rent, right now it's only our credit for about 6000$ and we also have it as a judgment against us which we didn't know about and it didn't show. Mind you we really owe aboue 1500...but from interest and lawyer fees and so on they now say we owe them 6000$.

 

So my question right now is I just received a letter to appear in court for them to garnish my paycheck in a few weeks. What and how should I handle this? We currently are rehabing 3 student loans and have been paying all our debt and plus barely getting by with our family. I don't have hardly a dime to give out, but I know if I get garnished they are going to take more than if I offered something. Should I call them before court? What do I say? And if I wait until court what do I do?

 

Thanks for everyone's help...We are really trying not to file bankruptcy..and fix this ourselves...but it sems like we can't do it fast enough for our creditiors.

Valued Contributor
rootpooty
Posts: 1,772
Registered: ‎10-28-2011
0

Re: Apartment in Collections and Judgement

Id consult with a lawyer.  Most of them give free consultations and can give you advise on what to do.  Consult with more then one just dont listen to the first one.  I dont believe there is anything for you to do now that a court date has been ordered.  Id do whatever I could to find representation for court.

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Regular Contributor
Oyiwaa
Posts: 212
Registered: ‎09-25-2012
0

Re: Apartment in Collections and Judgement

Get a Lawyer now .... best strategy at this moment - look into your YellowPages for "Consumer Lawyers" - talk to a couple.  Do not panick - you need to have your head composed so you can handle this as best as you can.  Good Luck !

 

Oy


Starting Score: USAA-FACO(10/2012) - EX=498 / EQ = 498 / TU = 508
Recent Scores:
myFICO - Jun-2013: EX=595 / EQ = 582 / TU = 649
myFICO - Nov-2013: EX=634 / EQ = 649 / TU = 666
LenderPull - Nov-2013: EX=682 / EQ=649 /TU=687

Goal Score: 700


Take the myFICO Fitness Challenge

WALLET (Secured):  Capital One: $700  --- WellsFargo: $300 --- CapitalBank: $300


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}