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In Texas can a creditor judgment for an unpaid phone bill be enforced as a wage or tax refund garnishment or a bank account levy?
A judgment creditor can levy a bank account even if it is joint. A judgment creditor can only garnish income if there is no other way to recover monies owed. A judgment creditor can place a lien against real property but cannot perfect the lien as a forced sale of a primary residence. A judgment creditor cannot seize a tax refund.
Is it true that if you pay a creditor whatever you can afford each month even if it's less than your monthly minimumm they won't be able to get a judgment on you?
If you contact and work with the creditor and the creditor agrees.
If you have been served notice of a judgment against you can the judgment be dismissed or is it too late?
The defendant debtor can negotiate with the plaintiff creditor up until the time the judge awards a judgment for the debt owed, and sometimes after a judgment has been handed down. Often the presiding judge will request the two parties meet with an indpendent mediator to attempt to settle the issue without it being necessary for the court to make a decision. A judgment is issued after the case has been heard. If the debtor has already received a notice of final judgment that would indicate that the plaintiff creditor has won the case and can execute the judgment in the time and in the way the laws of the state allows. It is in the best interest of the judgment debtor to try and reach a settlement with the judgment creditor. Some creditors will negotiate for a lesser amount even after a judgment award just to have the matter finished, but many will not if they believe they can collect a larger amount by letting the judgment stand. Judgments can be valid 5 to 20 years and many are renewable, they will continue to accrue interest until they are paid or settled and the debtor can end up owing considerably more then the original debt.
Can a collection agency sue you if you're enrolled with a debt settlement group?
Yes. A lawsuit is still viable even if the debtor is actively participating in a debt repayment plan. It is unusual for a creditor to take such action however, as it is added expense and aggravation and often there is no certainty that a creditor would be able to execute a judgment.
Can your bank account be garnished by a creditor in Pennsylvania?
Yes. The state allows the levy of bank accounts even those held jointly by judgment creditor(s).
Can a creditor receive a judgment and or lien against me even though you have never appeared in court?
If you fail to appear in court a default judgment can be entered against you
Family Law Martial Settlement Agreement judgment recorded effect of later expungement is judgment sill in effect or is it as non existence?
i have a judgment aganst my exhusband but cant seem to get payment even thou i have been to court several times . tell me how i can get this.
If you had a levy placed against your bank account in 2005 and nothing has happened since can action still be taken at a later time?
In all likelihood it would be necessary for the creditor to refile the judgment as a new bank account levy or even renew the judgment and then file. The action that can be taken by a judgment creditor is determined by the laws of the state where the judgment is entered.
A levy was lifted on the account now the creditor wants to garnish wages Can this be done?
Yes, a creditor can garnish wages even if a levy was lifted on the account. This would require a judgment and the court documents.
If creditor received a judgment and you make arrangements to pay the bill can the creditor still repo your car?
"debtors" can never repo cars, LENDERS can, even after you make 'arrangements". As long as you are in "default", they can repo.
Can you get a civil judgment removed from your credit report if it was included and discharged in a bankruptcy even if the judgment date is later than the bankruptcy discharge date?
No, debts, liens, judgments incurred after a bankruptcy has been filed cannot be included and therefore cannot be discharged in the BK proceedings.AnswerI was informed that if you had included this creditor in your bankruptcy, which was discharged, the creditor should have stoped all actions towards obtaining a judgment against you. I believe this judgment can be discharged by filing a discharge request with the court administrator and only then removed from the credit report. However, if you did not list this creditor on your bankruptcy, then it will prevail. Call the court administrator.
What are the laws of filling a lien on personal property for medical bills?
The debtor must be sued in the court of jurisdication in their state. If the plaintiff/creditor prevails a judgment will be entered in their favor. The judgment can then be executed against property belonging to the debtor in accordance with the governing state laws. Collection agencies often use arbitration where it concerns medical bills. Arbitration allows the creditor to bypass normal court procedures by means of submitting valid evidence of the debt to the arbitration board. The debtor will be informed of the action and given 30 days to submit a written response. Even when an arbitration award is granted to the creditor said creditor must still file the action in the proper state court to receive a writ of judgment.
