No. Judgments can only be granted by the court, after a lawsuit has been filed and won.
If you have a judgment from a collection agency and it is valid, you have to pay it to have it reversed. If it is not valid you can try to appeal it.
If a judgment is in place the judgment holder can execute it under the provisions of the law of the debtor's state. It would not be necessary for the creditor to transfer the debt to a collection agency. That being said, a judgment is not transferrable, so if the original judgment holder did not record the judgment and take action they could not simply "pass it on" to another collector unless that collection agency was acting in their behalf and was part of the original suit.
you "satisfy" a judgment by paying balance in full or settlement. but understand that once a judgment has been issued by a court then there can be no one else that does this.
A collection agency cannot call your employer to garish your wages. In order for your wages to be garnished, you must be sued by the collection agency. And the agency must win a judgment against you.
With a judgment and execution, the sheriff can. Without it no. But the collection agency can never legally access it. However, there are ways to do it illegally. Can the creditor do it... ? If you have a citizens acct and a debt with them, then yes, they can legally access whatever accounts you have with them. But a creditor can't just get access to you bank accounts. (I own a collection agency)
== == Yes they can. Happens all the time.
Yes, provided there is an outstanding judgment against you. Without the judgment, neither the agency nor the original creditor has any recourse for garnishment, and will not be able to obtain an order for garnishment.
No. A collection agency may not legally make any false claims. However, they may have obtained a judgement by default if you failed to answer a summons.
There are several potential scenarios: If you simply refuse to acknowledge the colelction agency, they may simply return the debt to the creditor as unrecoverable. Not so likely. If you do not acknowledge the collection agencies efforts, and they confirm your location, they may recommend the creditor seek legal judgment against you, and proceed to recover the debt without your consent. More likely. If you acknowledge the collection agency and tell them over the telephone not to contact you further, they may return the account to the creditor as unrecoverable. Not so likely. If you acknowledge the collection agency, and request they not contact you further, the agency may take that as a refusal to pay, and recommend to the creditor to file suit. Upon successful receipt of judgment, they will recover the debt without your consent. More likely. If you write to the collection agency that they not contact you further, suggesting in your correspondence that the debt is invalid, the collection agency may return it to the creditor as unrecoverable. Not very likely. If you write to the collection agency to no longer contact you, for any reason or no reason at all, the collection agency will contact the creditor to confirm the debt, and recommend upon confirmation to seek legal action, obtain a judgment, and take your assets. Most likely. Keep in mind that you are not obligated to pay the collection agency by any law in any state. You are however obligated to pay the original creditor.
In Washington state, a collection agency can potentially file for a judgment as soon as they have exhausted other debt collection methods and the applicable statute of limitations has not expired, which is generally six years for most debts. However, the timeline may vary depending on the specific circumstances of the case. It is advisable to seek legal advice if you are facing a potential judgment from a collection agency.
No, it is still valid and the holder of the judgment writ can enforce it in the manner allowed by the laws of the judgment debtor's state.
They must respond and send a representative to the hearing. If they lose, they have to pay.