Legal Question in Credit and Debt Law in California
I need help responding to a letter.
Here is my situation: a couple of years ago I fell behind on credit card payments. I hired an outside credit settlement agency to handle my negotiations. All the credit card companies recieved a letter of Power of Attorney from this company and all negotiations should go through them. One paticular credit card company refused to do busiess with them, so over the last two years this credit card company and their lawyers have called me repeatedly asking for money.
I recently recieved a letter stating that the court entered a judgement against me and is in process of recording an abstract of judgement to garnish wages, but is still willing to settle the debt.
What is the proper way to respond to this recently received letter?
1 Answer from Attorneys
The case is over, and you lost. You can certainly attempt to negotiate a settlement with the judgment creditor, but if you have a job they might well hold out for garnishing your wages for the full amount. If your debts are large, you could seek to have the judgment fully or partially discharged in a bankruptcy. Do not ever again blow off court documents that you receive.
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