Hello everyone!
I have hit bottom since opening my mail last night to find out my wages will be garnished (by Midland) 
for an unpaid judgment in 2009. I have sent this company DV letters with no response from them. I recently went to the city court where the judgment is in place to find out more on it before attempting to pay it off end of this year. So now I am wondering if this triggered something? Anyways, if I owe the judgment, paying it off isn't a factor at this point as it would give my scores a boost (only baddie remaining besides a paid medical collection). My question is: Can this garnishment be stopped? It has not taken place yet (but in effect). I assume it will start next payday. I will contact payroll on Monday to find out more on this garnishment stuff. I want to just pay the debt voluntarily to stop any AA from my current CCCs. Will the garnishment show on my credit report? Will this affect my current scores? Will freezing my credit reports prevent my current CCCs from viewing any new negatives on my record? I have no idea what to expect, or what to do. I've spent the last year rebuilding with the help of this forum; now my biggest fear is to lose it all....again
Please help!!
@JaB8199 wrote:Hello everyone!
I have hit bottom since opening my mail last night to find out my wages will be garnished (by Midland)
Hi there. I don't know how they got a default judgement on you with out ever serving you first. Perhaps someone can chime in here on maybe getting help with that. Talk to the court clerk and tell them you were never served and see if there is anything you can do.
Other than that I can offer this bit of info for certain:
Freezing your reports won't do anything for you. Your current creditors already have permissible purpose and access to your files, frozen or not.
Yes a judgement/garnishment will absolutely show up on your credit report under public records, and this is not a good thing.
Now- who was the original creditor? What state are you in? Perhaps you can get lucky and this is outside the statute of limitations in your state. Again, you were already hit with the judgement, so I don't know what to do for you there as it might be too late to do anything now... but on that part, I have no real idea.
@notfancy wrote:
@JaB8199 wrote:Hello everyone!
I have hit bottom since opening my mail last night to find out my wages will be garnished (by Midland)
Hi there. I don't know how they got a default judgement on you with out ever serving you first. Perhaps someone can chime in here on maybe getting help with that. Talk to the court clerk and tell them you were never served and see if there is anything you can do.
Other than that I can offer this bit of info for certain:
Freezing your reports won't do anything for you. Your current creditors already have permissible purpose and access to your files, frozen or not.
Yes a judgement/garnishment will absolutely show up on your credit report under public records, and this is not a good thing.
Now- who was the original creditor? What state are you in? Perhaps you can get lucky and this is outside the statute of limitations in your state. Again, you were already hit with the judgement, so I don't know what to do for you there as it might be too late to do anything now... but on that part, I have no real idea.
Thanks for your reply:
The original creditor was HSBC; (QVC). I don't remember being served 'directly' but it says I was. I can't prove that because I've been at my current address over 13 years. The statute of limitations for credit card debt in Louisiana is 7 or 10 years. I can't remember anything I've been told at the moment. I am SO frustrated. I just know that the judgment is due to fall off Jan. 2016. I made plans to clear this up before they tried to renew the judgment (additional 7 years). I never expected a garnishment! Now I'm thinking I should just close all my credit cards until this is over.
How does garnishment show on the report? The judgment is already on it as a public record. Will the garnishment be a separate entry?
*edited for grammar
@Anonymous wrote:Wage Garnishments usually never appear on your report...it's not the garnishment that hurts any way, it's the judgement. If the judgement is not on your report, then you can breath a sigh of relief.
If it is, it's usually under "public record".
Kind of odd they won't validate it. By law...they are supposed to validate it within 30 days upon receipt of a DV, or the debt becomes invalid. If you send the letter registered, and have the green card, you might have a leg to stand on. I have no idea about court stuff.
Thanks for your reply:
Yes, the judgment has been there since 2009; although I only found out about it since 'rebuilding' over a year ago. I don't mind that since it will fall off in 2016. I just don't want any 'new' negatives to show up to cause havoc with my current cards. I will know more on Monday; just keeping my fingers crossed that Midland will allow me to pay it without any garnishment. My public record list it as $1,300. I just hope it isn't much more than that for filing the garnishment order.
@JaB8199 wrote:
@notfancy wrote:
@JaB8199 wrote:Hello everyone!
I have hit bottom since opening my mail last night to find out my wages will be garnished (by Midland)
Hi there. I don't know how they got a default judgement on you with out ever serving you first. Perhaps someone can chime in here on maybe getting help with that. Talk to the court clerk and tell them you were never served and see if there is anything you can do.
Other than that I can offer this bit of info for certain:
Freezing your reports won't do anything for you. Your current creditors already have permissible purpose and access to your files, frozen or not.
Yes a judgement/garnishment will absolutely show up on your credit report under public records, and this is not a good thing.
Now- who was the original creditor? What state are you in? Perhaps you can get lucky and this is outside the statute of limitations in your state. Again, you were already hit with the judgement, so I don't know what to do for you there as it might be too late to do anything now... but on that part, I have no real idea.
Thanks for your reply:
The original creditor was HSBC; (QVC). I don't remember being served 'directly' but it says I was. I can't prove that because I've been at my current address over 13 years. The statute of limitations for credit card debt in Louisiana is 7 or 10 years. I can't remember anything I've been told at the moment. I am SO frustrated. I just know that the judgment is due to fall off Jan. 2016. I made plans to clear this up before they tried to renew the judgment (additional 7 years). I never expected a garnishment! Now I'm thinking I should just close all my credit cards until this is over.
How does garnishment show on the report? The judgment is already on it as a public record. Will the garnishment be a separate entry?
*edited for grammar
Garnishments will not be reflected on your credit reports.
@pizzadude wrote:
@JaB8199 wrote:
@notfancy wrote:
@JaB8199 wrote:Hello everyone!
I have hit bottom since opening my mail last night to find out my wages will be garnished (by Midland)
Hi there. I don't know how they got a default judgement on you with out ever serving you first. Perhaps someone can chime in here on maybe getting help with that. Talk to the court clerk and tell them you were never served and see if there is anything you can do.
Other than that I can offer this bit of info for certain:
Freezing your reports won't do anything for you. Your current creditors already have permissible purpose and access to your files, frozen or not.
Yes a judgement/garnishment will absolutely show up on your credit report under public records, and this is not a good thing.
Now- who was the original creditor? What state are you in? Perhaps you can get lucky and this is outside the statute of limitations in your state. Again, you were already hit with the judgement, so I don't know what to do for you there as it might be too late to do anything now... but on that part, I have no real idea.
Thanks for your reply:
The original creditor was HSBC; (QVC). I don't remember being served 'directly' but it says I was. I can't prove that because I've been at my current address over 13 years. The statute of limitations for credit card debt in Louisiana is 7 or 10 years. I can't remember anything I've been told at the moment. I am SO frustrated. I just know that the judgment is due to fall off Jan. 2016. I made plans to clear this up before they tried to renew the judgment (additional 7 years). I never expected a garnishment! Now I'm thinking I should just close all my credit cards until this is over.
How does garnishment show on the report? The judgment is already on it as a public record. Will the garnishment be a separate entry?
*edited for grammar
Garnishments will not be reflected on your credit reports.
@pizzadude... thanks. A bit of relief. Now I hope they accept a settlement to release the garnishment before it starts.
