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bsunshine315 · Feb 26, 2007, 12:46 PM

I recently received a notice of a hearing scheduled to place judgement on me for a credit card debt of one thousand dollars. My husband lost his job 2 years ago and I was trying to support my whole family on a small income so my credit card payments got put aside in order to put food on the table and keep a roof over our heads. I did not go to the hearing and am worried sick about what they will and can do to me. I offered to make small payments but they went ahead with the judgement hearing. It isn't a large amount of money so I wonder why they are going to such an effort to do this to me. I have not heard anything but am guessing that they got the judgement because I didn't show. I live in WV. Can you please give me some advice?

excon · Feb 26, 2007, 01:23 PM

Hello bs:

They're going to sneak up behind you and garnish your wages and attach your bank accounts.

Advice?? Don't put your money in there.

excon

ScottGem · Feb 26, 2007, 01:38 PM

Why would you not go to the hearing? You're right, they most likely obtained a default judgement because you let them. There may have been several things you could do to forestall the judgement, but you just gave in. If you were so worried you would have fought it.

Now, with a judgement in place, they can garnish your wages, seize your ank accounts or other assets.

Justice Matters · Feb 26, 2007, 02:14 PM

Depending upon the Rules of the Small Claims Court in your jurisdition you may be able to have the default judgment set aside. (You should speak with court staff in this regard.)

A more practical solution is to contact the creditor and work out a repayment schedule that provides for no enforcement activity to take place so long as you are making payments. As indicated by the other answers, ignoring the creditor will only make matters worse.

cozyk · Feb 21, 2008, 08:21 PM

Originally Posted by bsunshine315

I recently received a notice of a hearing scheduled to place judgement on me for a credit card debt of one thousand dollars. My husband lost his job 2 years ago and i was trying to support my whole family on a small income so my credit card payments got put aside in order to put food on the table and keep a roof over our heads. I did not go to the hearing and am worried sick about what they will and can do to me. I offered to make small payments but they went ahead with the judgement hearing. It isn't a large amount of money so I wonder why they are going to such an effort to do this to me. I have not heard anything but am guessing that they got the judgement because i didn't show. I live in WV. Can you please give me some advice?

Why didn't you make small pmts. To begin with? Either make minimum pmts. Or even communicate with them to arrange even smaller pmts?

How could you not go to the hearing? [I] think you really messed up when you were a no show. They may have been willing to work with you. You have shown no intent to pay. And that is why they are "doing this to you,"
You allowed it when you ignored it./I]