     anonymous (Zcraws) | Sunday, April 23, 2000 - 04:00 am 
What is the procedure that a creditor uses when obtaining a judgement? Would I be notified somehow? How do I find out if I have a judgement against me? |
| Don (Don) | Monday, April 24, 2000 - 04:14 am
Every place is different, but in my county I can walk across the street to the courthouse and pull up mine or anyone else's name up on a computer and get a screen detailing any jugdements. Call your county / city clerk's office and see how the do business. |
| Christine Baker (Admin) | Monday, April 24, 2000 - 08:47 am
Yes you can look it up in your county.
Have you been served? If they had your correct address, you also should have received notification once the judgment was entered. |
| Bryon Davis (Notaloseryet) | Monday, April 24, 2000 - 05:05 pm
I can tell you this about judgments and lawsuits by creditors...Most will bug you on the phone until they give up and charge you off. I owed $4000 on a lemon car which, when I offered it back to them, they didn't even want. I have owed them that for over a year. They have sicked a lawyer on me and he has never tried to sue me. Sure he threatens me, tries to cajole me, etc. but it still hasn't resulted in a lawsuit.
Most companies will not come after you unless you own secured property or owe a LARGE sum of debt (i.e. large credit card balances).
bd |
| Michelle Nielson (Michelle) | Tuesday, April 25, 2000 - 05:58 pm
I would have to disagree with you. I had a creditor obtain a judgement for $323 and I wasn't employed. They knew they couldn't get the money out of me. I couldn't believe when they did. I voluntarily paid the $323 (no court cost) once I was employed, mainly because I knew they could garnish if they wanted too once I started working. |
| Christine Baker (Admin) | Tuesday, April 25, 2000 - 07:03 pm
I guess it all depends on who you're dealing with. Who was that creditor? |
| Michelle Nielson (Michelle) | Wednesday, April 26, 2000 - 01:03 pm
It was a company called Debt Management Inc. I was wrong in my above posting. I looked it up on my credit report and the amount was for $233.23 which is the amount I paid to them. I wonder how much the attorney fees were, probably more than the total debt. |
| Christine Baker (Admin) | Wednesday, April 26, 2000 - 04:34 pm
That really is an unusually low amount to get a judgment for. Appreciate the info. |
| Daniel Tretola (Dant) | Monday, May 01, 2000 - 01:54 pm
I got a judgement from the DMV in NJ against me. Total sum- $200. It sucked too, because I didn't know I owed them the money, until I got a credit report, it reflected the judgement, so I paid it. I think it sucks because I didn't know I owed the money, I wouldn't have let it get as far as a judgement.
-dan |
| Jennifer Persinger (Velvet) | Saturday, May 06, 2000 - 04:37 am
What about "mystery judgements?" I received notice from a couple of places I had applied for a credit card (just for yucks) that one of the reasons I was turned down for credit was a judgement issued against me - however, neither Trans Union or Experian have any record of any sort of judgement (not sure about equifax, since I've moved twice since their last update on me, and I don't have the necessary ID to verify I am who I say I am) - and both were the CRAs used to check my credit report.
It *could* be my divorce from 3 yrs ago, but w/out any way to see what it is, I have no clue. I don't even know what county/state it was issued in (could be California, Indiana or Texas (tho highly unlikely Texas). |
| Christine Baker (Admin) | Saturday, May 06, 2000 - 10:44 am
When you are declined the creditors MUST tell you where they obtained the info. If they didn't use Equifax or another reporting service, it sounds like something is seriously wrong.
I'd mail a copy of the reports to the credit card companies and request an explanation. Maybe Credit Scoring is having PMS again.
And you do NOT need to provide ANY ID to obtain your Equifax report. If you have a decline due to an Equifax credit report, they have to send you that report.
Don't give them your driver's license, ss card, 5 year work and employment history, etc.
They only want this information so they can sell it.
Just include the decline notice with your ss# and date of birth and signature.
In my opinion, the fact that you have the decline notice is proof that you are you. |
| John Shimmer (Jshimmer) | Monday, May 08, 2000 - 04:27 am
And you do NOT need to provide ANY ID to obtain your Equifax report.
Not necessarily true. Try requesting a consumer copy of your report and having it mailed to an address OTHER than the one on file without providing proof of identification. |
| Jennifer Persinger (Velvet) | Monday, May 08, 2000 - 05:39 am
: Try requesting a consumer copy of your report and having it mailed to an address OTHER than the one on file
And that's exactly my problem. Since their last inquiry/update, I've not only moved, but gotten married (name change) as well. Oy. |
| Christine Baker (Admin) | Monday, May 08, 2000 - 08:45 am
Yeah, if your name and address are different, that's a problem. Aren't you getting new bills that are ON the Equifax report with your new name and address?
I'd send a copy of one of those for ID with the explanation that you got married and moved. |
