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View Full Version : Judgement HELP


dreamingangei38
Jan 17, 2007, 04:28 PM
I have a judgement on me from a credit card company for the a mount of $1400.00 I'm down to $800.00 now done paid $500.00, I am be hind by $150.00 and it's a 100.00 a month payment plan, I got a letter saying if I don't get cought up with the $150.00 that I could be faceing more legal fees and that they could come to my home and take my TV and stuff and sell it, will I'm a disable single mom and I have only 1 car and its old like a 1989, And 3 TV and 2 computers what can they do? I mean what and how does this thing work if I don't have enough for the to sell to satisfied my judgement, I don't own hardly any thing kind of poor? Help need advice. I don't work and live of my disabilty and child support,

RickJ
Jan 17, 2007, 05:05 PM
Sounds like scare tactics.
1. they will likely not incur legal expenses for this debt, so they cannot pass legal fees on to you.
2. unless they have a lien on the TV, etc. they cannot take them.

I strongly suggest you call them and try to work out something on the remaining balance that fits your budget.

RECORD THE CALL.

Familiarize yourself with the FDCPA (http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm), and if they break the law then call your state attorney general and file a complaint.