one more thing, I see Minn has a 6yr SOL for written and open accts,, now on my own fact finding mission, I found out that 1. they cant sue you where a utility service was provided, only were you reside, but in your case, I take it you ran the bill up in Minn and still live in Minn, OK, but also on my quest, when ever I ask about what a phone bill is for SOL, none can tell me, but some have said, its not written and its not open, perhaps in your states UCCode,, you should call a few lawyers, and say, to the girl, I dont know if Ineed a lawyer or not, whats the SOL on a phone bill in Minn, it never hurts,,,
I'll try to find about phone bills and their SOLs soon and let you know what I find out. I know a lawyer who might help out. I don't understand what you meant by: "they cant sue you where a utility service was provided, only were you reside". Can you explain? I ran up this bill in Minn in 1998 and they cut it off due to inability to pay it. I then moved to another town in Minn. and still reside in MN So if it's not written and not open, what would that do for me? It doesn't stop them from proceeding with the garnishment and judgement does it?
I knew it sounded to good to be true, yah, a consent judgment,, one quick question, whats the difference between a consent judgement and a summary judgment,, thanks
Okay, I think I may now be in a position to prevent more harm to my CR. I have borrowed from my big brother the $1443 that they are asking for, but I think I will try and settle for less. Found an "agreement to compromise debt" sample letter here that I plan to use. My question is, do I want to write this and send it to the attorney representing the CA, or the CA itself? Do I want to call first and negotiate? I suppose I will need to have a condition for them not to enter the consent judgement onto my CR. I hope settling now will be better than garnishments at this stage of the game. I am not sure if anything is on my CR already and whether it would have changed again after the garnishment starts.
Talked to CA and they would not settle. Payment in full is the way they want to go. They will waive the garnishment once I pay. So I'm sending them their money and I can rest easy that my CR has not been tarnished further. I'm glad a default judgement was not entered.
