12-15-2011 02:00 PM
I didn't see in there, how does this affect your job?
12-15-2011 02:18 PM
12-15-2011 02:29 PM
If you questioned proper venue (location of court), you would have needed to do that before court. Once you showed up, they might give you some consideration for showing up but would have likely continued once you were present at that point. That would have also taken care of proper service since you appeared. If service had not been proper, they would have just served you on the spot.
If you had any questions about SOL, your contract, signature, original debt, CA license, or interest/fees these should have been brought up at court or before.
If there were any payment arrangements to work out due to financial considerations, that should have been done it court.
The short version is that your court date was where all of this would normally get settled. If you were there and didn't bring up anything, it is mostly too late.
If you want a copy of the judgement you can request that from the court.
The time for appeal was probably a certain number of days after the judgement.
You might talk to a lawyer but it seems likely to be difficult to get an outcome that would help you at this point. However, I know nothing about FDCPA violations so that might be helpful.
You might work out a deal with them to vacate the judgement but I can't imagine why they would want to do that and accept less than owed unless they have little hope of collecting the judgement.
12-15-2011 02:38 PM - edited 12-29-2011 11:10 AM
@GregB thanks for the advice, I know this all sounds too late for me to take action. I knew nothing about any of these three years ago and I was scared and lost when the court date was given to me. My family could not guide me and I couldn't afford a lawyer either.
@Tryon2improve I sent ou a PM!
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.