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    chizzy721's Avatar
    chizzy721 Posts: 1, Reputation: 1
    New Member
    		  
    #1

    Jun 20, 2008, 09:45 AM
    Debt judgement
    Are there any ways around beating a judgement for unsecured credit card debt??
    progunr's Avatar
    progunr Posts: 1,971, Reputation: 288
    Ultra Member
    		  
    #2

    Jun 20, 2008, 09:51 AM
    The best way to beat a judgment, is with a payment before it ever gets to that point.

    Just because it is "unsecured" debt, do you really feel that you are not responsible to pay back what you borrowed?
    George_1950's Avatar
    George_1950 Posts: 3,099, Reputation: 236
    Ultra Member
    		  
    #3

    Jun 20, 2008, 09:53 AM
    That unsecured credit card debt that has become a judgment is by definition a secured debt in most states. Either pay it or file bankruptcy, or ignore it and hope.
    ScottGem's Avatar
    ScottGem Posts: 64,966, Reputation: 6056
    Computer Expert and Renaissance Man
    		  
    #4

    Jun 20, 2008, 10:14 AM
    I don't like the phrase "beating a judgement". That implies shirking your responsibilities. If you owe the debt you should pay it.

    However there are dozens of threads in this forum that discuss how to deal with a summons on unsecured debt. I suggest you do some research.
    TheCleaner's Avatar
    TheCleaner Posts: 152, Reputation: 3
    Junior Member
    		  
    #5

    Jun 23, 2008, 04:15 PM
    Give me more info, I can't advise anything positive with the data you gave

    How long ago you quited paying?
    How long ago since they filed suit?
    Was any arbitration procedure involved?
    Where they filed?
    Did you show up in court and filed response to the suit?
    Did you ever ask for validation over this debt?
    The plaintfill is the original creditor or a collection agency?
    Were you served in a legal manner?
    What state your live in?

    Carl.-
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