[carol1957]

Hi, I bought some furniture 6 years ago. The payments were 200.00 a month. I paid every month for 2 years then I lost my job. The furniture company agreed I could start paying again when I found another job. One year later I found a job with less pay. The furniture company refinanced the furniture for one year, I got to pay 100.00 a month, that wouldn't pay it off in one year. Then I lost my job and found one making a little more that minimum wage. A deputy came to my house this past June 2006 and told me the furniture company was going to take a judgement out on me, but that if I called the co. we could work something out. I took the deputies advice. The furniture co. agreed to 25.00 every two weeks, but they said they were still going to take the judgement out. I never heard anything from the sheriffs dept. again. I have been making 25.00 every two sometimes every four weeks, it's hard when you have mouths to feed and only make 7.00 an hour. Anyway, I got a letter from the furniture company today, March 12, 2007 saying I haven't been making my 25.00 payments in a timely manner, they don't want the furniture just the money, which is 2400.00. My question is, if a judgement had been taken out on me this past June, wouldn't I have been served something? And if I tell the furniture company, hey, I'll pay you 25.00 as I can, is there anything they can really do to me? Should I get an attorney? Thanks, carol

[excon]

Hello carol:

Yes, hire an attorney.

excon

[ScottGem]

Yes you would have been informed if they had filed for or gotten a judgement from you. If they obtain a judgement, they could garnish your salary. But you seem to have little alternative. If you keep paying as much as you can and they accept those payments, it will be harder for them to get a judgement.