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    jdsanchez's Avatar
    jdsanchez Posts: 2, Reputation: 1
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    #1

    Dec 8, 2009, 05:49 PM
    Gergia judgement
    I more here to Gergia 2 yrs ago. I just received a call about a credit card company will be putting a judgement against me. I own them about 3,000. I have no properties and no savings. I purchase a veh in jan which I am still paying for it and I have a really old car that is pay for it. Now the representative that call me say that they can put a lien on that veh I am paying for it and possible have it sold to get this money.

    I am engaged but my fiancé gives his $ to deposit into my bank account. Now this guy sd they are also monitoring my bank account.

    Should I stop my direct deposit and starting paying bills from my fiancé account. Once lien on my truck do I have sell it as he stated?

    The payment plan they are asking is so high for me what should I do?
    JudyKayTee's Avatar
    JudyKayTee Posts: 46,503, Reputation: 4600
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    #2

    Dec 8, 2009, 07:24 PM

    Is there a Judgment against you or is the company simply making threats about what they could/would do IF they got a Judgment?

    If they DO get a Judgment they can take any steps which are legal in Georgia to collect from you.
    Fr_Chuck's Avatar
    Fr_Chuck Posts: 81,301, Reputation: 7692
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    #3

    Dec 8, 2009, 08:23 PM

    They will have to serve you notice of a court hearing. Then they will get a judgement.

    After they get a judgement they may freeze all of your bank accounts and garnish your paycheck. They will come after the paycheck long before they go after any liens on a car
    jdsanchez's Avatar
    jdsanchez Posts: 2, Reputation: 1
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    #4

    Dec 8, 2009, 08:59 PM

    How long does it take for credit card company to get a judgement? But as right now the payment plan the company is asking is way too high, that basically I can't afford it. If I filed for bankruptcy will the judgement in include in bankruptcy/
    JudyKayTee's Avatar
    JudyKayTee Posts: 46,503, Reputation: 4600
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    #5

    Dec 9, 2009, 06:35 AM

    Ys, if you file in Bankruptcy this will be discharged (forgiven).
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