Re: Re: Re: Re: Demand payment in 5 days? You still haven't answered my question. If she doesn't owe it then why would you send a settlement letter to the attorney? Don't pay anything you don't owe. iambroke ]]]]]]]]]]]]]]]]]]]]]]]]]] It's quite simple but lets see what you can come up with? THE END ** *** ** LB 59 """""""""```~~~```'"""""""""
Re: Re: Re: Re: Re: Demand payment in 5 days? Even though it seems odd that is what was done and that is the fact. Tho only available proof is the court docket. And i never said the judgement was paid just that it shows up as satisified on one and only one credit report. Also the docket says nothing about the judgment being satisfied. She is not denying that the debt is owed just the collection process and the whole garnishment thing. And once again the judgment was not ignored. years have passed since the original incident that caused the judgment in the first place. Things happen and things have been forgotten. And how is it that a CA/lawyer can collect on theis without notice. And how can the credit report, report it as satisified and it isn't it. If it is wrong then shouldn't the CRA be liable in some way.
Re: Re: Re: Re: Re: Demand payment in 5 days? 1*Seems odd they would get rid of a judgement only 8 yrs old when the SOL is 21 years? 2*Also, sounds like the jugement (original) one is not bogus 3*but when it was paid by said g/f there is no proof of payment? 4*Or has a "satisfaction of judgment" been recorded 5*I think if you had proof of payment then the attorney wouldn't be so quick to try and collect on it. 6*As for "emotional" aspect of a judgment being ignored is not emotion, but fact. 7*If you don't pay it then it's NOT paid....if you pay it you get proof of payment when payment is made. 8*That is the right financial thing to do as it may come back and bite you in the butt later on as it is now. 9*Also, why send a settlement letter to a collecting attorney when it's NOT owed according to everyone here? 10*And, so you're saying a credit report stating "satisfied" is the same thing as a letter from the courts (legal document) stating "satisfaction of judgement?" 11*That being the case then everyone who has "satisfied" on one credit report can get all 3 to state that? iambroke | ^^^^^^^^^^^^^^^^^^^^^^^^^^^ 1*then explain why he can't get a copy of the judgment from the court house. If you know the secret to him getting it from them please let us all know as they is what we're all wanting to know? 2*But the evidence points to the attorneys being bogus especially since the judgment can't seem to be produced from any other source. This sends up a very big red flag. 3*So why did the OC show it as paid on the credit report it not paid??? 4*How would you know when the records were destroyed? 5*The CAs persistence in collecting could be intensified in this case the destruction of records an incentive. You don't know CAs very well do you???? With less than a month here you haven't had time enough to really study them. Try 2.5 years like I have and you'll learn something about them. 6* For the last time - I hope - the judgment wasn't ignored! 7* The oc says paid what about that?? 8*The CA is making the claim it's up to them to prove it. They have done nothing of the kind. 9* Again you just don't know CAs very well. 10*Why would you need that when the court can't even produce a copy showing there is or was a judgment? 11* How are they going to validate a judgment that isn't even on record with the court?? THE END ** *** ** LB 59 """""""""```~~~```'"""""""""
Re: Re: Re: Re: Re: Demand payment in 5 days? Sure can and so could you if you understood the nature of CAs better.
Re: Re: Re: Re: Re: Re: Demand payment in 5 days? PS There are 2 many fishy things about the deal & this CA owes the original poster complete and true answers to all the issues brought up in the 2 threads. Unless these issues are properly addressed one has no right to suggest the poster is a deadbeat ignoring anything.
Re: Re: Re: Re: Re: Re: Re: Demand payment in 5 days? Thank-You lbrown 59 Is there a possible law suit for the CRA reporting this thing wrong.
This post could really use consolidation -- could the original poster some up everything (including previous related posts) in a new post? I think it would help with a lot of the bickering going on here... --Galabar
I -think it would help with a lot of the bickering going on here... Galabar ================ I don't. iambroke is lost now with just two threads I can imagine what confusion he would encounter with a third thread. This is why one should never ever start more than one thread per topic.
Re: Re: Demand payment in 5 days? I am sorry for starting another thread. But this matter is going to cost my girfriend a lot of money. and i believe there is some wrong doing. Rather it is on the lawyer, the CRA, or the OC. It just does not seem right that after 8 years the only attempt to collect the debt has been a letter stating pay in 5 days or garnishment will occur and on a credit report the judgment is shown as satisified. Yes she does owe the money we all make mistakes. At the time she was young and upset about the rip off known as auto insurance. So not understanding credit as we now understand she did not pay what was left on the balance of the car loan, after the insurance co totaled out the car. A judgement was placed and her being a student at the time could not afford to pay the judgment. So fast forward to 2003 and this is where she is at. I just need to know what to help her do. She wants to settle this thing but as cheap and as quick as possible. The only proof of judgment is a court docket. Which seems to be enough to let the lawyer go through with garnishment. She is contacting the OC to see why this was repoted this way on the credit report.
Re: Re: Demand payment in 5 days? I may get skewered here for saying this, but . . . Have you checked into Bill Bauer's site -- creditwrench.com? I have not personally used him, but his specialty seems to be vacating judgements. (Once again, I do not have the ability to vouch for him, as I have not used his services to date. However, I have noticed reference to several other CN'ers using him.) Of course, he does charge for his services, but if you decide to go that route, it might be cheaper than what you're currently paying via garnishment. Just a thought . . . Good luck!
Re: Re: Demand payment in 5 days? Ok. Just contacted the OC. And yes it was a mistake the way it was reported on the credit report. So now what? After the OC or the CRA? Help please.
Re: Re: Demand payment in 5 days? there's one very important question which I haven't seen an answer to: Does the attorney know where you work or bank? If not, then it will be REAL hard for him to garnishee a paycheck he can't find. It's like going hunting blindfolded - you know your quarry is out there somewhere, but you can't see it, so your chances of getting it are real small.
Re: Re: Re: Demand payment in 5 days? I have already answered that. The garnishment has already started. I need to know what the recourse is when the wrong information is reported wrong and the results are adverse.
Re: Re: Demand payment in 5 days? You definitely want to get this taken care of because there are ramifications beyond wage garnishment. 21 years @ 12% interest is a long time and I'm assuming that at some point you (your girlfriend?) is going to want to own a house or a car or some other form of property and the judgement can attach to that as well (assuming you can even get financed). Regardless of how this may or may not have been addressed in the past, the important thing is that you are now[/] addressing it. If I were you, I would first attack the problem by determining if I can get the judgement vacated (I think there may be a time limit, but it's worth checking into). You should probably invest the time and money by speaking to someone who is knowledgeable in judgements (e.g., an attorney). If a judgement is not on file with the court, does it exist? If Ohio law has put the statute of limitations on this at 21 years, one would think that they would maintain the records for that period of time. If the attorney is the only person on this earth with a copy of the judgement, what would stop him from altering the document to suit his purposes -- or completely fabricating it? (This is a hypothetical, not necessarily what's happening here.) There has to be an original somewhere (doesn't there?) I agree with LB59 . . . there are enough odd things with this that I would start at the source (the judgement) and work from there.
Re: Re: Demand payment in 5 days? You are mailed a copy of the original judgement once it is entered at the courthouse, which would have been 8 yrs ago. Both the plaintiff and the defendents receive a copy. I think you need an attorney in order to find out what happened to the original if you don't have it.
Re: Re: Demand payment in 5 days? But still this doesn't take care of the fact that it was reported wrong. Who do I talk to about this.
Re: Re: Demand payment in 5 days? I'll admit that I may be missing something here, but the fact it that was reported wrong may be secondary to your immediate problem of wage garnishment. Wages are being garnished -- that needs to be addressed first. If you can somehow use the inaccurate reporting to your advantage in order to cease garnishment, great. But otherwise you may be focusing too much attention on an issue that might be secondary. You can always look into the possiblility of action based upon the fact that you were damaged due to inaccurate reporting (you thought it was settled and therefore took no further action -- not sure how strong of a case this would be). In terms of who you would go after for inaccurate reporting, the starting point would be the company providing the inaccurate information -- they've already admitted to you that they made the mistake.
Re: Re: Re: Demand payment in 5 days? Ok everybody says start with tha garnishment. Where do I start? Find the orginal judgment. If I can't find that then what? Is the court docket enough?
