Okay - so my BF had a credit card 5 years ago. He got into some trouble, went to jail and never heard anymore from the credit card company when he got out. Well now, 5 years later, his sister gets a certified letter and signs and accepts it (it's for BF). Well they had filed a judgement against BF for the amount he owed them. My question is this.... does this mean he'll automatically get his check garnished for the money or could he possibly have a chance at setting up payment arrangements? I wonder if he could do payment arrangements only because of the following.... he's never received any communication from the credit card company because they have his address down as his sister's house (where he never lived), and she never passed along any bills. The judgement was sent certified letter to his sister's address as well and the only reason she passed it on to him was because it came certified from the court house. It'd be nice if he could do an arrangement with them - which he'd of done previously before it got to this point had they had his address down and contacted him and not his sister. Obviously the whole situation is frustrating to us - because his family wasn't considerate enough to give him the mail he was getting and if he'd of gotten that mail it wouldn't have gotten to this point.... but then it's frustrating that BF didn't deal with these things when he was out of jail and out of trouble also. Now I'm hoping that he has some chance at making payment arrangments that may be less than what it'd be if they took 1/4 of his check for garnishments.... Just hoping someone might have some insight to this! Thanks in advance for any advice!
Check your local courthouse and see if they got a judgement.Who is the company?What state?And is this a oc or an ca?
Well I'm in Michigan. The company is First Financial Portfolio, but the plaintiff on the judgement says it's a law office. The papers I have are the Civil Judgement court papers showing the breakdown or what he owed, what the court fees are, and the total due. It says he'll have 21 days to appeal the judgement. So basically unless he appeals - it's a done deal. Not sure what a OC or CA is... We just got it today from his sister, so I'll have to have him call after he's out of work to the lawyers office and hopefully they'll be able to help him out more. Just thought I'd check here first and see if anyone was familiar with if he could make payments when it's gone this far...... I'm a litttle stressed over this! (We live together - which is why it will affect me, obviously).
Whatever he/you will ultimately do, close any joint bank accounts you have now. If he is working they might garnish his wages, but at least won't be able to freeze/garnish any bank accounts.
