I enforce judgments for a living. Definitely try to avoid actually having a judgment rendered against you.
My hunch is that Aspire sold the debt to Midland Credit. So my advice would be to contact Midland Credit directly (or their lawyer) and negotiate a lump sum settlement. If you owe $750. Offer $350 via credit card payment today (or something similar that gets payment done that day) and avoid the judgment. You may want to be a little cocky and explain that if you go to court you have a valid defence and you think you'll win. But that you don't want to lose a day of work. You'd rather pay the $350 and call it a day for all parties. The other side doesn't risk losing or incur additional legal fees they aren't sure they'll ever recover so they'll probably accept the offer.
If a judgment is rendered, Midland can take the full balance due plus legal fees, court costs and post-judgment interest. They won't be asking at that point. They'll garnish your wages and bank account. And they'll have the power of the legal system behind them.
It would be an easy way to resolve a negative situation altogether.
Good luck!
BTW - I am not a lawyer so please don't construe this thread as legal advice.
Message Edited by JudgmentGroup on
08-28-2007 06:00 AM