Legal Question in Credit and Debt Law in California

Ignoring what happened with the car, because from the facts you provided it is impossible to say if anything illegal was done or not, you need to act extremely quickly to resolve this. What happened is you were sued by the creditor, and because you did not respond (you should have read the summons which advises you that if you do not file a written response with the Court in Sacramento, a judgment could be entered against you), you now have a "Default Judgment" entered against you.

There is a procedure in California to obtain relief from a default judgment. You have to prepare and file a motion with the Court in Sacramento asking a judge to set aside the default judgment. You have to act very, very quickly because there is a six-month deadline by which you must file this motion, or you are going to be stuck with paying the judgment. Contact an attorney in Sacramento, as it is far to expensive for someone in Southern California to handle the case. Call the Sacramento County Bar Association for a referral - you can find their phone number and information online.

*Due to the limitations of the LawGuru Forums, The Gibbs Law Firm, APC's (the "Firm") participation in responding to questions posted herein does not constitute legal advice, nor legal representation of the person or entity posting a question. No Attorney/Client relationship is or shall be construed to be created hereby. The information provided is general and requires that the poster obtain specific legal advice from an attorney. The poster shall not rely upon the information provided herein as legal advice nor as the basis for making any decisions of legal consequence. As required by 11 U.S.C. �528, we must now disclose that, "We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. Assistance we provide with respect to Debt Relief may involve bankruptcy relief under the Bankruptcy Code."