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lrhall41 · May 21, 2007, 10:40 AM

I went to the "mediation hearing" in front of a judge and told them my side of the story and offered to pay them $50 a month until paid in full. The original amount owed in 2001 was $1,200 I paid most of it, but became ill and could not pay any more and forgot the balance of $500. That's what was owed on the original amount. The attorney wrote my information down and told me that he was going to take my offer to his office and that they would get back with me.
Well, this weekend I received a letter from the law firm signed by the judge indicating that the judgement was filed and signed by the judge and with all the fees now I owe $1240 on a $500 balance!!
What am I supposed to do now? I can not pay that amount in full. I do not have that kind of money. I live in Florida and probably they will garnish my wages, since I am not the head of household they could probably do that. Or should I contact them one more time and see if they take $100 a month instead of the $50 that I offered?
I thought they were going to contact me to negotiate, but that did nothappen.
Any suggestions are certainly welcomed.

lrhall41 · May 21, 2007, 06:39 PM

Can anyone help me with this? Do you know if my bank account will be frozen/?it is only in my name and I am in Florida.

brandy681 · May 21, 2007, 07:08 PM

Which company was this? If it is for a car or something like that they can garnish your wages but if it is for a credit card or something that you owe a bank or something I don't think that they can do anything but keep harassing you. I guess it is too late to go bankrupt since you have already been ordered to pay the amount but I would talk to a lawyer to see what you can do. I had a friend that owed for a car and had his wages garnished but it took almost a year to do so and then he quit and got another job and it took almost another year to find him again. I would talk to a lawyer and see what kins of a compromise you can come up with because that company may not be able to garnish your wages.

ScottGem · May 21, 2007, 07:08 PM

I would contact the court and ask why a judgment was entered when you thought the issue was under noegotiation. But bottom line is, with a judgement, they can garnish your wages and attach your bank account.

Fr_Chuck · May 21, 2007, 07:09 PM

Hello, well if your bank account is not froze I would take all the money out of it NOW>>>> Yes if they have a judgmement they can freeze your bank account as soon as they find it.

You are free to call and make a offer to make payments, but remember if under Fl rules they can garnish you pay, why should they settle for less than that amount? They have really no reason to settle or accept anything but they may.

lrhall41 · May 22, 2007, 06:14 AM

The company's name is RDL Investments and they "loaned" me money in 2001 for cosmetic surgery. The initial amount was $1,200 and I had only $500 balance. Now the case is with an attorney's office. I am afraid that they might take my paycheck or freeze the bank account which I use to pay my bills. How about if I add my husband to the account, can they still freeze it, since he is the "head of household" and according to FL law, they can not freeze a joint account. (I think).
Please advise.
Thanks.

ScottGem · May 22, 2007, 06:15 AM

Adding your husband doesn't prevent the attachment. They can go after any accounts that you have a joint interest in.

lrhall41 · May 22, 2007, 06:28 AM

Thanks Scott. I will call the courthouse and ask them, but they probably have so many cases, that they will refer me to the attorney, which is the one that has the judgement against me.