[vbest1]

Filled out an application for an apartment. The person that was staying there wasn't paying rent. So when the landlord called me I had nothing to say. I never signed an agreement. On June I came down to the place and talked to her. She said that she would take a lost and I can take over but her and I have to sign a lease. I explain that 900/800/700 was too much plus 100 late fee. She said we can work out something. Well I never filled out the lease and never move any of my things in the person wasn't even taking to court.

[ma0641]

So how did the bank get your personal info to file a levy?

[vbest1]

So how did the bank get your personal info to file a levy?

She had my information from the application.
I was helping someone else

[Fr_Chuck]

You signed for the apartment, so you will owe the rent if the other person does not pay.

No lease means you are on month to month, but will owe for the months someone lived there and did not pay.

You remove it by either.
1. proving in court, you do not owe.

2. paying the debt.

[vbest1]

I guess did a search on me to find my banks she did one on a closed account as well. I never paid sec.dep. Never filled an application

[vbest1]

I didn't sign I only filled out the application the other party signed the agreement

You signed for the apartment, so you will owe the rent if the other person does not pay.

No lease means you are on month to month, but will owe for the months someone lived there and did not pay.

You remove it by either.
1. proving in court, you do not owe.

2. paying the debt.

[tickle]

In post three you stated she got the info from your application, yet you say you did not fill one out. She must have done a search by your social insurance number which she got off the application??

In any event she has the information.

If you come here asking a question and you want qualified answers, it makes no sense not to tell us the truth.

[smoothy]

I think you did and just don't realize you did, or seem to have convinced yourself you really didn't, Fact is they have the proof you did, and they presented it to the court, which accepted it. Or they would never have won a levy (garnishment) on your account. They don't get that in a vacuum... the have to win a judgement , and once they have that they can get the writ of garnishment. And its all legal.

As was said... its all upon you to prove otherwise if you are even able to get an appeal in at this point... they already fought for and won it in court. You either pay bucks trying to appeal, or pay the debt. Problem is you pay to fight it and lose you will still own the debt. Just paying them and getting it behind you might be the cheapest way out for you. Consider it an expensive lesson about Cosigning (which I think you actually did), or filling out forms or anything else for anyone but yourself.

[vbest1]

I filled out the application. So anyone can sue if I didn't sign the lease the agreement terms.

I think you did and just don't realize you did, or seem to have convinced yourself you really didn't, Fact is they have the proof you did, and they presented it to the court, which accepted it. Or they would never have won a levy (garnishment) on your account. They don't get that in a vacuum... the have to win a judgement , and once they have that they can get the writ of garnishment. And its all legal.

As was said... its all upon you to prove otherwise if you are even able to get an appeal in at this point... they already fought for and won it in court. You either pay bucks trying to appeal, or pay the debt. Problem is you pay to fight it and lose you will still own the debt. Just paying them and getting it behind you might be the cheapest way out for you. Consider it an expensive lesson about Cosigning (which I think you actually did), or filling out forms or anything else for anyone but yourself.

[vbest1]

They said because I never showed up to court which the only court date was the person getting evicted. No I did not convince myself that I didn't sign a lease.

I filled out the application. So anyone can sue if I didn't sign the lease the agreement terms.

[vbest1]

What steps can I take to get some relive on them taking everything from my account

[smoothy]

Pay the debt. Unles you can get the court to hear an appeal, and you somehow manage to win that apeal, its too late to stop anything. That time was at the original hearing. If you didn't sign the application then why did you fill it out? And why did you give it to them? What you are saying makes no sense. And is incnosistant with what the court finding was. Which is that you cosigned. Even if you seem to believe otherwise.

THey would not win an judgement against you if there was not paperwork to prove you did.

I know you say and think otherwise... but the court appears to have seen them.

Why did you blow off the hearing? Not showing up is ALWAYS the worst thing you can do.

[ScottGem]

You received notice of a court date and you ignored it. BIG MISTAKE!! Yes, the hearing was to evict the tenant, but part of the hearing was also to award the landlord damages. The landlord apparently proved to the court that you were responsible and obtained a judgment against you as well as the tenant

So you need to go back to the court that issued the judgment and try to file an appeal. If the appeal is accepted you can get a hearing in which you can try and prove that you never agreed to being responsible. Not knowing what you signed or what proofs the landlord had, I can't tell you if you can win or not. The judge may not have examined the landlord's proofs because you didn't show so a default judgment was awarded.


But the reason the landlord won is because you let them win by not showing up. You NEVER ignore a court summons.