Teresa
Virginia Beach,#2Consumer Comment
Wed, May 31, 2006
I am dealing with this same company. However, since I have had experience dealing with these companies and Lawyers, etc. I do know a few things that may help people. First of all, as stated here, it was remarked how a judgement was filed. The thing is, in order to get a judgement you would have already had to go to court. One cannot just get a judgement on you unless you were found guilty of owing the money. Now, a company can file a Warrant in Debt! That is showing that the company/person who is suing you for a certain amount of money and they take you to court to get a judgement which means really that you owe the money. One thing I have to say here and what is important. Most of the time, these companies will settle with you "before" you would even go to court. Now, you may have a court date but they still can dismiss the charge. You can try to get them to settle for a certain amount. In most cases, you can write out a letter to the creditor with all the information of account numbers, etc and explain to them that your having a hardship and explain it. If you give them permission to do a credit report on you to prove your case. they usually do allow a certain amount of money as a settlement in full. But whatever you do, GET IT FAXED TO YOU IN WRITING BEFORE you give them any money. that this amount would be settled in full. I was able to do this with a creditor and had a court date. I was able to get it knocked down from $1061 to $450. You just have to know what your doing. I would be interested in hearing what happened in this case above.